Ideas to Help you Never Outlive Your Money or its Purchasing Power

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Live Longer

Research clearly shows that decisions you make today can have a profound impact on all of your tomorrows. If you find ways to maintain your health, challenge your mind and nurture your soul, you'll not only increase your chances of living longer, but your also likely you live a happier more productive life

Examples of Adding Years

+15Reduce StressRelaxing and reducing stress can add 15 years to your life

+2Active MindPlay games and exercise yourMind to addextra years toYour life

+7PetsA dog really is man’s best friend. Owning a pet can add 7 years to your life

+9Friendship

Spending time with friends can add 9 years to your life

Sources: Smartwomansguide.com – “10 Small Things That Can Add Big Years To Your Life”Everydayhealth.com – “10 Ways to Add Years to Your Life”

People are Living Longer

0%

20%

40%

At least one spouse

60%

80%

100%

Age80 85 90 95 100 105

Individual

Chances of a 65-year-old living to age X

Ask Yourself…

Are you ready for 20+ years of retirement? How will you fund these years?

– Fewer companies are offering pension plans– Social security only replaces a portion of pre-retirement income

Do you want to maintain your current lifestyle?

Did you start saving early enough?

Your Investments will Need to Fund Much More of Your Retirement

Take a look at the facts:The majority of Americans have a target retirement income goal ofat least 75% of their current income.*

So what does that mean

If your current income = $100,000

Target retirement income = $75,000 annually

Funding a 20-year retirement = $1.5 million payout* America Speaks Out On Retirement 2007 Research study conducted by Harris Interactive

You Need to Retire Stronger

With all these extra years potentially in your future we need to consider how you are going to pay for them. The realities of today’s retirement can be daunting. Traditional sources of income like employer pensions and Social Security may not be enough to fund all of your retirement goals. And stretching your personal savingsto make up the difference presentsits own set of planning and investment challenges.

Inflation Will Play a Part

Source: Cadillac.com and Edmunds.com

Other Considerations

• Retiring at the wrong time– Reduction in 401K balance

• Unforeseen expenses– Medical bills– Home repairs

• Changes in Social Security• Leaving a legacy

So What are the Options?

Variable Universal Life•A Variable Universal Life Policy has uniquebenefits and features that can help youachieve your retirement goals, plan forunforeseen expense and provide a benefitto your loved ones in the event of your premature or untimely death.

•Additionally, certain VUL policies like the Protection Advantage sold by American General Life Insurance Companies can guarantee a death benefit regardless of market performance. So you have the option to participate in the market and still guarantee a death benefit if the market does not perform to your expectations.

VUL

Potential for Gains from Market Growth Yes

Less Restrictive Annual Contributions Limits YesTax Deferred Accumulation

(based on current federal income tax law)Yes

Tax-Efficient Distribution* (based on current federal income tax law)

Yes

Income Tax-Free Death Benefits(based on current federal income tax law)

Yes

How can VUL HelpSupplement Retirement?

* Policy loans accumulate interest

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FOR THIS AND OTHER INFORMATION ABOUT OUR VARIABLE UNIVERSAL LIFE PRODUCTS, PLEASE CONTACT YOUR REPRESENTATIVE OR GO ONLINE TO "WWW.AMERICANGENERAL.COM/VUL" FOR THE POLICY AND FUND PROSPECTUSES.BEFORE INVESTING OR SENDING MONEY, PLEASE READ BOTH THE POLICY AND UNDERLYING FUND PROSPECTUSES CAREFULLY, CONSIDERING THE FUNDS’ INVESTMENT OBJECTIVES, RISKS, CHARGES AND EXPENSES CAREFULLY (AS THESE FACTORS WILL AFFECT FUTURE RETURNS).

Policies issued by: American General Life Insurance Company 2727-A Allen Parkway, Houston, Texas 77019 The United States Life Insurance Company in the City of New York 70 Pine Street, New York, New York 10270

The underwriting risks, financial and contractual obligations and support functions associated with products issued by American General Life Insurance Company (AGL) or The United States Life Insurance Company in the City of New York (USL) are each insurer's own responsibility. USL is authorized to conduct insurance business in New York. Policies and riders not available in all states.

Guarantees are subject to the claims-paying ability of the issuing insurer.

Variable universal life insurance policies distributed by American General Equity Services Corporation, member FINRA and a subsidiary of American International Group, Inc.

American General Life Companies, www.americangeneral.com, is the marketing name for the insurance companies and affiliates comprising the domestic life operations of American International Group, Inc., including AGL and USL.