GROW more assets for retirement with interest crediting strategies that are based in part on the performance of the S&P 500 (excluding dividends).

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1 SM Power Index Plus Annuity with Lifetime SM Income Plus PRODUCT HIGHLIGHTS Help Clients Secure More Retirement Income For Life To help your clients with their retirement goals, it s important to consider a retirement income solution that guarantees more income for life. The Power Index Plus SM Annuity with Lifetime Income Plus SM offers clients the opportunity to: DOUBLE their retirement income potential with Lifetime Income Plus, an optional guaranteed living benefit rider available for an annual fee of 0.95% of the Income Base. GROW more assets for retirement with interest crediting strategies that are based in part on the performance of the S&P 500 (excluding dividends). PROTECT their principal against market loss with a fixed interest account and two index interest crediting strategies. Note: Guarantees are backed by the claims-paying ability of American General Life Insurance Company. Restrictions and limitations apply.

2 Power Index Plus SM Annuity Contract Description Modified single premium deferred index annuity with a fixed interest account and two index interest crediting strategies. Issue Age 0-80 owner and annuitant (may vary by state) Premium Index Interest Accounts Fixed Interest Account Death Benefit Withdrawal Charge Initial premium: $25,000 minimum (qualified and non-qualified). Subsequent premiums permitted only in the first 30 days after contract issue. Premiums that would cause the total of all contracts issued to the same owner and/or annuitant to exceed $1 million require prior company approval. Annual Point-to-Point Index Interest Account: Interest earned is based on the annual change in the S&P 500 (excluding dividends) from one contract anniversary to the next, subject to the annual index rate cap. This cap is set each year by the company. Monthly Point-to-Point Additive Index Interest Account: Interest earned is based on the sum of 12 monthly point-to-point percentage changes in the S&P 500 (excluding dividends), subject to the monthly index rate cap. This cap is set each year by the company. The participation rate for both index interest accounts is set at 100% and guaranteed for the life of the contract. 1-year fixed account: The rate is set at contract issue, guaranteed for one year and subject to change annually. The minimum guaranteed rate is listed in the contract. Upon death, the beneficiary receives the greater of the contract value (excluding withdrawal charges and Market Value Adjustment) or the Minimum Withdrawal Value. The withdrawal charge applies to amounts that exceed the annual 10% Free Withdrawal amount. It declines over 7 years as follows: Contract Year Percentage (%) Free Withdrawals Market Value Adjustment (MVA) After the first contract year, clients may withdraw up to 10% of the annuity value (based on the previous contract anniversary) without withdrawal charges or MVA. No Free Withdrawals are allowed in the first contract year (unless required by state law or taken under Lifetime Income Plus or as Required Minimum Distributions). If Lifetime Income Plus is elected, clients may take out up to the maximum annual withdrawal amount (MAWA) without any company-imposed charges. A withdrawal in excess of the MAWA will reduce future income under the benefit, even if it is a Free Withdrawal. Withdrawals in excess of the 10% Free Withdrawal amount are subject to an MVA during the contract s first 7 years. This adjustment may either increase or decrease the amount withdrawn, and is determined by a formula in the contract that reflects changes in the Barclays US Credit Index yield since the contract was issued. The MVA may not apply in all states.

3 Power Index Plus SM with Lifetime Income Plus SM Double Your Client s Retirement Income Potential with Lifetime Income Plus sm The Lifetime Income Plus SM optional guaranteed living benefit rider provides clients with the confidence of knowing that their Income Base the amount on which lifetime withdrawals are based can rise over 10 years without the risk of market loss. 1 Lifetime Income Plus: Guarantees their Income Base will DOUBLE to 200% of eligible premiums on the 10th contract anniversary, when no withdrawals are taken before that date. 2 Guarantees a 7% annual income credit (roll-up) every year that withdrawals are not taken in the first 10 contract years. Guarantees lifetime withdrawals of up to 6% per year depending on the owner s age at the time of the first withdrawal and how many individuals are covered under the rider. 3 Important Information about Selling Index Annuity Products Index annuity products are fixed deferred annuities, and it s important that producers properly position these products when selling them to clients. Index annuities are not subject to federal and state securities registration requirements, so it s important to understand that the way in which a product is marketed can directly impact the determination of whether it is considered to be a security. Therefore, all producers should be aware of the following guidelines for marketing index annuity products: Index annuity products should be properly positioned as an alternative to other fixed deferred annuities. They should not be marketed as a substitute for equity investments (such as mutual funds, securities, an investment in the market, etc.). The marketing and sales process should speak to the guaranteed features of the product without unduly emphasizing the possibility of index interest crediting or implying any linkage to equities. The overall focus of any marketing, including any sales presentations, should be the long-term retirement aspects of index annuities, such as minimum guaranteed surrender values, annuity payout options and the safety and stability of insurance products in general. 1 Lifetime Income Plus is available at contract issue with the Power Index Plus Annuity for an annual fee of 0.95% of the Income Base. Restrictions and limitations apply. 2 Eligible premiums are all premiums paid in the first 30 days of the contract and do not include income credits. The Income Base is the amount on which lifetime withdrawals and the rider fee are based; it is not used in the calculation of the contract value or any other benefits under the contract, and cannot be withdrawn partially or in a lump sum. 3 To receive guaranteed benefits, withdrawals must be taken according to the terms of the rider. Income for life can also be achieved through annuitization at no additional cost.

4 Minimum Withdrawal Value Terminal Illness, Extended Care and Activities of Daily Living Riders Required Minimum Distributions (RMDs) Annuitization Choices Cash Surrender Value Clients will receive at least 87.5% of eligible premiums, growing at a rate of 1% compounded annually (less withdrawals and excluding withdrawal charges and MVA). State variations may apply. The withdrawal charge and MVA may be waived if the contract owner: Is diagnosed with a terminal illness: One partial or full withdrawal is permitted. The terminal illness must be diagnosed after the contract issue date by a qualified physician and supported by clinical, radiological or laboratory evidence. Has extended care needs: Extended care must begin at least one year after the contract issue date and is defined as treatment prescribed by a qualified physician and received while staying in a qualified institution for at least 90 consecutive days. The rider terminates when the owner turns age 86. Requires assistance with activities of daily living: To utilize this benefit, an owner, after a 1-year deferral period, must be unable to perform at least 2 of 6 activities of daily living for 90 consecutive days or more. The 6 activities of daily living are bathing, continence, dressing, eating, toileting, and transferring. These riders are not available in all states. If clients purchase their annuity under a qualified plan (e.g., an IRA), the Internal Revenue Code directs that a minimum amount of retirement income must be paid each year beginning in the year the owner turns age 70½. These payments are known as Required Minimum Distributions (RMDs). Please note: Withdrawal charges and MVA will not apply to RMDs attributable to a Power Index Plus contract at any time after issue, including the first contract year. RMD amounts do count against the 10% Free Withdrawal amount, thereby reducing or possibly eliminating the ability to take other Free Withdrawals within a contract year. Failure to satisfy the RMD requirements may result in a tax penalty. Clients should consult their tax advisor for more information. Clients can choose from five options, also known as Income Plans: 1) Life income; 2) Joint and survivor annuity; 3) Joint and survivor annuity with 10- or 20-year period certain; 4) Life annuity with 10- or 20-year period certain; and 5) Income for a specified period (5-30 years). Equals the greater of the Minimum Withdrawal Value or the contract value adjusted for any MVA, optional living benefit fee and withdrawal charge. These product highlights are not intended to be all-inclusive. State variations may apply. Please refer to the Owner Acknowledgment and Disclosure Statement for additional details. Do not state or imply that the purchase of this annuity is like an investment or a means of participating in securities, markets, stocks, stock market index or S&P 500.

5 Lifetime Income Plus SM Rider Description Lifetime Income Plus SM is an optional guaranteed living benefit rider. Eligible Premiums All premiums paid in the contract s first 30 days Issue Age Income Base Annual Income Credit (Roll-up) Income Credit Base Income Credit Period Minimum Income Base The value on which guaranteed withdrawals and the rider fee are based; it is not used in the calculation of the contract value or any other benefits under the contract, and cannot be withdrawn partially or in a lump sum. The Income Base is initially equal to the first eligible premium; it is increased with each additional eligible premium. 7% of the Income Credit Base in years when no withdrawals are taken in the contract s first 10 years A component of the rider that is used solely to calculate the income credit. Initially, the Income Credit Base is equal to the first eligible premium; it is increased with each additional eligible premium. 10 years 200% of eligible premiums, if no withdrawals are taken before the 10th contract anniversary. Maximum Annual Withdrawal Amount (as a percentage of the Income Base) Age of Covered Person(s) at First Withdrawal One Covered Person Two Covered Persons Maximum Annual Withdrawal Amount (MAWA) 75 and older 6.00% 5.00% 70 to % 4.50% 65 to % 4.00% 60 to % 3.25% Note: Withdrawals under this rider are not allowed prior to age 60. The MAWA is determined by the age at the time of the first withdrawal on or after age 60. The age at the time of the first withdrawal is based on the age of the older individual if the contract is jointly owned with one covered person or the age of the younger individual if two people are covered. A withdrawal in excess of the MAWA will reduce future income under the benefit, even if it is a Free Withdrawal. Protected Income Payment Fee Annual lifetime income if contract value is completely depleted due to withdrawals taken under the terms of the rider, and/or due to fees associated with the rider. The Protected Income Payment percentages are currently the same as the MAWA percentages above. 0.95% of the Income Base. Deducted from the contract value on each contract anniversary or on a pro-rata basis if the contract is fully surrendered before the end of the contract year.

6 Index annuities are not a direct investment in the stock market. They are long-term insurance products with guarantees backed by the claims-paying ability of the issuing insurance company. They provide the potential for interest to be credited based in part on the performance of the specified index, without the risk of loss of premium due to market downturns or fluctuations. Index annuities may not be suitable or appropriate for all clients. Withdrawals may be subject to federal and/or state income taxes. An additional 10% federal tax may apply if a client makes withdrawals or surrenders their annuity before age 59 ½. Effective January 1, 2013, annuity income may be subject to an additional tax of 3.8% under specific factual situations. Clients should consult a tax advisor regarding their specific situation. The S&P 500 Index is a product of S&P Dow Jones Indices LLC ( SPDJI ), and has been licensed for use by American General Life Insurance Company and affiliates. Standard & Poor s, S&P, and S&P 500 are registered trademarks of Standard & Poor s Financial Services LLC ( S&P ); Dow Jones is a registered trademark of Dow Jones Trademark Holdings LLC ( Dow Jones ); and these trademarks have been licensed for use by SPDJI and sublicensed for certain purposes by American General Life Insurance Company and affiliates. American General Life Insurance Company and affiliates products are not sponsored, endorsed, sold or promoted by SPDJI, Dow Jones, S&P, their respective affiliates, and none of such parties make any representation regarding the advisability of purchasing such product(s) nor do they have any liability for any errors, omissions, or interruptions of the S&P 500 Index. Barclays Capital Inc. and its affiliates ("Barclays") is not the issuer or producer of the Power Index Plus Annuity and Barclays has no responsibilities, obligations or duties to purchasers of Power Index Plus. The Barclays US Credit Index is a trademark owned by Barclays Bank PLC and licensed for use by American General Life Insurance Company ("AGL") as the issuer of Power Index Plus. While AGL may for itself execute transaction(s) with Barclays in or relating to the Barclays US Credit Index in connection with Power Index Plus that purchasers acquire from AGL, purchasers of Power Index Plus neither acquire any interest in the Barclays US Credit Index nor enter into any relationship of any kind whatsoever with Barclays upon purchasing Power Index Plus. Power Index Plus is not sponsored, endorsed, sold or promoted by Barclays, and Barclays makes no representation regarding the advisability of Power Index Plus or use of the Barclays US Credit Index or any data included therein. Barclays shall not be liable in any way to the issuer or to other third parties in respect of the use or accuracy of the Barclays US Credit Index or any data included therein. This material was prepared to support the marketing of the Power Index Plus Annuity. Please keep in mind that American General Life Insurance Company and its distributors and representatives may not give tax, accounting or legal advice. Any tax statements in this material are not intended to suggest the avoidance of U.S. federal, state or local tax penalties. Such discussions generally are based upon the company s understanding of current tax rules and interpretations. Tax laws are subject to legislative modification, and while many such modifications will have only a prospective application, it is important to recognize that a change could have a retroactive effect as well. Clients should seek the advice of an independent tax advisor or attorney for more complete information concerning their particular circumstances and any tax statements made in this material. Annuities are issued by American General Life Insurance Company, 2727-A Allen Parkway, Houston, Texas Power Index Plus Modified Single Premium Deferred Fixed Index Annuity, Contract Number AG-800 (12/12); Market Value Adjustment (MVA) Rider, Form Number AGE-8000 (12/12); Lifetime Income Plus Guaranteed Living Benefit Rider, Form Number AGE-8002 (12/12); Annual Point-to-Point Index Interest Account Rider, Form Number AGE-8003 (12/12); Monthly Point-to-Point Additive Index Interest Account Rider, Form Number AGE-8005 (12/12); Terminal Illness Rider, Form Number AGE-8007 (12/12); Extended Care Rider, Form Number AGE-8008 (12/12); and Activities of Daily Living Rider, Form Number AGE-8009 (12/12). American General Life Companies, is the marketing name for a group of affiliated domestic life insurers, including American General Life Insurance Company (AGL). The underwriting risks, financial and contractual obligations and support functions associated with the annuities issued by AGL are its responsibility. Guarantees are backed by the claims-paying ability of AGL. AGL does not solicit business in the state of New York. Annuities and riders may vary by state and are not available in all states. Not FDIC or NCUA/NCUSIF Insured May Lose Value No Bank or Credit Union Guarantee Not a Deposit Not Insured by any Federal Government Agency American International Group, Inc. All rights reserved. I5319FL2 (7 /13)

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