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Your Partner �For Growth

Corebridge Financial

Policies and annuities issued by American General Life Insurance Company (AGL), �Houston, TX, member of American International Group, Inc. (AIG).

FOR FINANCIAL PROFESSIONAL USE ONLY – NOT FOR PUBLIC DISTRIBUTION

AGLC200377

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AIG life & retirement is now Corebridge Financial

For financial professional use only. Not for distribution or publication.

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Corebridge Financial is a new company, but not a�new business.

Formerly AIG Life & Retirement, we are one of the largest more established providers of retirement solutions and insurance products in the United States, with a long and proven track record of serving our clients.

At Corebridge, we’re passionate about giving people the power to help them reach their financial goals. It’s who�we are.

$404 billion

in assets under management �or administration �as of December 31, 2024

$41.7 billion

in premiums and deposits in 2024

$51 billion

claims and benefits paid�2020-2024 by the U.S. life insurance companies collectively*

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Ratings as of 2024

For financial professional use only. Not for distribution or publication.

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For financial professional use only. Not for distribution or publication.

Rewards

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Recognition: �QoL Bonus

For financial professional use only. Not for distribution or publication.

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QoL Bonus 2025

20% bonus on eligible premium in excess of $33,000 and 7 lives
Bonus paid in January 2026

Connext Portal tracker updated weekly to help stay on track to qualify.

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Recognition: �Leader's Development Conference

For financial professional use only. Not for distribution or publication.

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2 recognition tiers:

Elite Leaders Development Conference

Agent Level: $165,000 Paid Net-Weighted First Year Premium and 7 lives

Leaders Development Conference

Agent level: $110,000 Paid Net-Weighted First Year Premium and 7 lives

Connext Portal tracker updated weekly to help stay on track to qualify.

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For financial professional use only. Not for distribution or publication.

Resources

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Stand out with QoL

For financial professional use only. Not for distribution or publication.

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Producer Website – Stand Out with QoL
Product marketing materials, sales concepts, conversation starters, and more to help you �stand out from your peers
Corebridgefinancial.com/QoL – No login required
Resources and marketing tools �are unmatched in the industry and help grow �your business

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QoL Marketing QR Code Flyer

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For financial professional use only. Not for distribution or publication.

Products

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Value of living benefits

For financial professional use only. Not for distribution or publication.

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Help cover the cost of care for chronic, �critical or terminal illness
Provide peace of mind during a difficult time
Help maintain quality of life

Built in on ALL Quality of Life …�Insurance Products ONLY available�through Corebridge Financial

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Our goal is to provide differentiated, affordable products with built-in ABRs to meet the financial needs of your clients in the event of a critical, chronic, or terminal illness.

Living benefits will help cover the cost of care for chronic, critical, or terminal illnesses.

�They provide peace of mind to you during a difficult time. Knowing you can accelerate a portion of their life insurance policy’s death benefit can help ease the financial burden caused by these unexpected illnesses or conditions.

It will also help you maintain your quality of life.

The SelectChoice II Accelerated Benefit Riders are included automatically on all Quality of Life…Insurance products. There are no underwriting restrictions. If you qualify for the policy, you automatically receive the accelerated benefit riders on their policy.

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Value of Living Benefits

Built into ALL our Quality of Life (QoL) Insurance Products

Help cover cost of care for chronic, critical, or terminal illnesses¹
Provide peace of mind during a difficult time
Help maintain quality �of life

FOR FINANCIAL PROFESSIONAL USE ONLY– NOT FOR PUBLIC DISTRIBUTION

¹Also referred to as our three Accelerated Benefit Riders (ABRs)

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Value of Our Accelerated Benefit Riders (ABRs)

Accelerate 100% of death benefit, up to $2 million, for a qualifying chronic, critical, or terminal illness.
Total accelerated death benefit across all QoL policies may not exceed $2 million
Provide a discounted benefit depending on severity of the condition and the expected impact on life expectancy

More severe the expected impact on life expectancy, greater the accelerated amount
Death benefit will be reduced by the death benefit allocated to the benefit claimed

Includes GUARANTEED MINIMUM benefit payout

Percentage of death benefit based off policy year at time of claim

Indemnity Benefit – No receipts required; spend benefits on anything
No underwriting restrictions!

FOR FINANCIAL PROFESSIONAL USE ONLY– NOT FOR PUBLIC DISTRIBUTION

Accelerate 100% of death benefit, up to $2 million, for a qualifying chronic, critical, or terminal illness
Total accelerated death benefit across all QoL policies may not exceed $2 million
Provide a discounted benefit depending on severity of the condition and the expected impact on life expectancy
More severe the expected impact on life expectancy, greater the accelerated amount
Death benefit will be reduced by the death benefit allocated to the benefit claimed
Includes GUARANTEED MINIMUM benefit payout
Percentage of death benefit based off policy year at time of claim
Indemnity Benefit – No receipts required; spend benefits on anything
No underwriting restrictions!

Refer to ABR & Health Statistics flyer for more details

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Accelerated benefit riders

For financial professional use only. Not for distribution or publication.

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Chronic Illness

The illness or condition does not need to be considered permanent, but must impair the insured where he or she is unable to perform at least two Activities of Daily Living (ADLs);

Major Heart Attack
Coronary Artery Bypass
Stroke
Invasive Cancer
Blood Cancers: Leukemia, Lymphoma, Multiple Myeloma and Myelodysplastic Syndromes
Major Organ Transplant
End Stage Renal Failure
Paralysis
Coma
Severe Burn

An illness or physical condition that is�certified by a physician to be reasonably expected to result in the insured’s death within 24 months from the date of certification.

Bathing
Dressing
Toileting
Transferring
Continence
Eating

Additional chronic illness coverage may be added to your policy by purchasing the Accelerated Access Solution^® rider.

*IRS caps the maximum daily rate each year.

Critical Illness

Terminal Illness

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Living Benefits Comparison (1/3)

	Corebridge Financial	American National	Columbus Life	Fidelity & Guaranty	National Life	North American	Transamerica
	QoL SelectChoice II Accelerated Benefit Riders	Accelerated Benefit Riders	Life Plus Accelerated Death Benefit	Accelerated Death Benefit Riders	Accelerated Benefits Riders	Accelerated Death Benefit Endorsement	Trendsetter^® LB Accelerated Death Benefits
Available Products	GUL, IUL, Term	CAUL, GUL, IUL, Whole Life	CAUL, GUL, IUL, Term	IUL	GUL, IUL, Term	GUL, IUL, Term	Term
Guaranteed Minimum Payout	√	N/A	N/A	N/A	N/A	√ Critical Illness only	N/A
Chronic Illness Accelerated Benefit	√	√	√	√	√	√	√
Critical Illness Accelerated Benefit	√	√	√	√	√	√	√
Terminal Illness Accelerated Benefit	√ 24 months*	√ 24 months*	√ 24 months	√ 24 months	√ 24 months	√ 24 months	√ 12 months
Available on All UW Classes	√	Chronic and Critical Illness: Up to Table 4; not with flat extra rating greater than $5.00 per thousand	0-70 Table C or better; �71-79 Standard or better	Up to Table D	Chronic Illness: Up to Table D Critical Illness: No table ratings	Chronic Illness: Up to Table D Critical Illness: Up to Table B	√

FOR FINANCIAL PROFESSIONAL USE ONLY– NOT FOR PUBLIC DISTRIBUTION

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Living Benefits Comparison (2/3)

	Corebridge Financial	American National	Columbus Life	Fidelity & Guaranty	National Life	North American	Transamerica
	QoL SelectChoice II Accelerated Benefit Riders	Accelerated Benefit Riders	Life Plus Accelerated Death Benefit	Accelerated Death Benefit Riders	Accelerated Benefits Riders	Accelerated Death Benefit Endorsement	Trendsetter^® LB Accelerated Death Benefits
Available Product	GUL, IUL, Term	CAUL, GUL, IUL, Whole Life	CAUL, GUL, IUL, Term	IUL	GUL, IUL, Term	GUL, IUL, Term	Term
Lifetime Maximum Amount of Death Benefit	Chronic, Critical and Terminal Illness: Lesser of 100% of DB or $2,000,000	Chronic, Critical and Terminal Illness: Lesser of 100% of DB or $2,000,000 for issue ages 0-65 and $1,000,000 for issue ages 66+	Chronic Illness: UL: Lesser of $1,000,000 or 50% of the death benefit Term: Lesser of $250,000 or 40% of the death benefit Critical Illness: UL: Lesser of 10% of NAR or $25,000; Term: Lesser of 10% of DB or $25,000 Terminal Illness: UL: Lesser of 40% of NAR or $250,000; Term: Less of DB or $250,000	Chronic and Terminal Illness: Initial acceleration is 25% of death benefit; Subsequent ones are lesser of 100% of death benefit or $1,000,000 Critical Illness: Lesser of 25% of DB or $1,000,000	Chronic and Terminal Illness: Lesser of 100% of DB or $1,500,000 Critical Illness: Lesser of 100% of DB or $1,000,000	Chronic Illness: Term: Lesser of 24% or $480,000 / year UL: Lesser of 24% or $240,000 / year Critical Illness: Term: Lesser of 90% or $1,000,000; UL: Lesser of 25% or $50,000 Terminal Illness: Term and Builder Plus IUL: Lesser of 90% or $1,000,000; Other UL: Lesser of 75% or $750,000	Chronic and Critical Illness: Lesser of 90% of DB or $1,500,000 Terminal Illness: Lesser of 100% of DB or $1,500,000
Optional Dollar-for- Dollar Chronic Illness Benefits for additional cost	√ With the Accelerated Access Solution^® rider	N/A	N/A	N/A	N/A	N/A	N/A

FOR FINANCIAL PROFESSIONAL USE ONLY– NOT FOR PUBLIC DISTRIBUTION

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Living Benefits Comparison (3/3)

	Corebridge Financial	American National	Columbus Life	Fidelity & Guaranty	National Life	North American	Transamerica
	QoL SelectChoice II Accelerated Benefit Riders	Accelerated Benefit Riders	Life Plus Accelerated Death Benefit	Accelerated Death Benefit Riders	Accelerated Benefits Riders	Accelerated Death Benefit Endorsement	Trendsetter^® LB Accelerated Death Benefits
Available Product	GUL, IUL, Term	CAUL, GUL, IUL, Whole Life	CAUL, GUL, IUL, Term	IUL	GUL, IUL, Term	GUL, IUL, Term	Term
Waiting / Elimination Period	Chronic Illness: 30 days waiting period / 90 days elimination period Critical Illness: 30 days waiting period; 90 days for Invasive Cancer	Chronic Illness: 30 days waiting period / 90 days elimination period Critical Illness: 30 days waiting period	Chronic Illness: 2 years Critical Illness: None	Chronic Illness: 2 years Critical Illness: 2 years	Chronic Illness: 30 days waiting period / 90 days elimination period Critical Illness: 30 days waiting period	Chronic Illness: No waiting period / 90 days elimination period Critical Illness: 30 days waiting period	Chronic Illness: 2 years waiting period / 90 days elimination period Critical Illness: 30 days waiting period

FOR FINANCIAL PROFESSIONAL USE ONLY– NOT FOR PUBLIC DISTRIBUTION

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Don’t forget about Agile Underwriting+ (AU+)

Ages 18-59
Face Amounts: up to $2 Million
Part B Completion:

Through $1 million and submitted via iGO full eApp: Tele-interview or agent completed Part B
Over $1 million through $2 million: Tele-interview only

Standard to Preferred Plus rate classes available. Tables A & B are included in the Standard Rate class. Flat extras are not available for AU+.
If amount of inforce coverage for the applicant is greater than $2,000,000, any new application for coverage cannot be eligible for AU+.

If the amount of inforce coverage is less than $2,000,000, any new application may only be eligible for AU+ review up to a total inforce and applied-for amount of $2,000,000.
For ImperIUL Plus total inforce coverage consideration includes QoL Advantage program scenarios where a combination of QoL Flex Term and QoL UL policies are purchased.
NOTE: In scenario where a combination of Term and UL policies are purchased, the term policy is fully underwritten, and the UL will hold for the rate class decision made under the fully underwritten Term policy.

FOR FINANCIAL PROFESSIONAL USE ONLY– NOT FOR PUBLIC DISTRIBUTION

Refer to Underwriting Guidelines flyer for more details

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QoL product portfolio overview

For financial professional use only. Not for distribution or publication.

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QoL Max Accumulator+ III

Competitive cash value accumulation and income distribution potential in target market ages 35-55
Proprietary Volatility Control Index options that help stabilize returns
Persistency bonus credited from year six that can further boost cash value and income
Living benefits

Competitive premiums to carry in target market ages 40-70
Guarantee to life expectancy –generally age 85 up to age 100
Attractive cash value growth with downside protection from volatility control index options and persistency bonus starting as early as year six
Living benefits

Competitive guarantee premiums in target market of age 55+. Most competitive guarantee to age �100-110
Built in ROP in years 20 and 25 with no additional cost
Guaranteed cash value accumulated in the policy
Living benefits

Competitive premiums and living benefit riders
Innovative design that is truly customizable; multiple durations to meet your clients’ exact insurance needs
Attractive conversion provisions with conversion credits �for certain years
Living benefits

Cash �Value Accumulation

Death �Benefit Protection

Competitive products with �BUILT IN living benefits

QoL Value+ Protector III

QoL Guarantee Plus GUL II

QoL Flex Term

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Index universal life insurance (IUL)

For financial professional use only. Not for distribution or publication.

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QoL Value+ Protector III – �Protection IUL

Competitive premiums carry in target market ages 40-70
Guarantee to life expectancy – age 85�up to age 100
Attractive cash value growth with downside protection from volatility control index options and persistency bonus starting as early as year six
Enhanced surrender value rider �(Return of Premium)

QoL Max Accumulator+ III – �Accumulation IUL

Competitive cash value accumulation and �income distribution potential
Proprietary Volatility Control Index
Persistency bonus credited from year�six that can further boost cash value�and income
Non-medical underwriting – fewer requirements/faster processing

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Term and UL Insurance

For financial professional use only. Not for distribution or publication.

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QoL Flex Term

Competitive premiums with built-in living benefits
Innovative design that is truly �customizable – 18 durations (10, 15-30, 35) �to meet clients’ needs
QoL Advantage or Laddering multiple smaller policies to customize to your clients’ needs rather than one large policy. Includes banding discounts and the ability to waive the policy fee on the association term policies
QoL Rapid Rater – instant quoting

QoL Guarantee Plus II- GUL

Competitive premiums in 55+
Most competitive guarantee for age 100-110
Built in Return of Premium rider in year 20 and 25

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Important consumer disclosures regarding �accelerated benefit riders

For financial professional use only. Not for distribution or publication.

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An Accelerated Death Benefit Rider (ABR) is not a replacement for Long Term Care Insurance (LTCI). It is a life insurance benefit that gives you the option to accelerate some of the death benefit in the event the insured meets the criteria for a qualifying event described in the policy. The rider does not provide long-term care insurance subject to California insurance law, is not a California Partnership for Long-Term Care program policy. The policy is not �a Medicare supplement.

ABRs and LTCI provide different types of benefits. An ABR allows the insured to access a portion of the life insurance policy’s death benefit while living. �ABR payments are unrestricted and may be used for any purpose. LTCI provides reimbursement for necessary care received due to the inability to perform activities of daily living or cognitive impairment.

The activities of daily living are bathing, continence, dressing, eating, toileting, and transferring.

LTCI coverage may include reimbursement for the cost of a nursing home, assisted living, home health care, homemaker services, adult day care, hospice services or respite care for the primary caretaker and the benefits may be conditioned on certain requirements or meeting an elimination period or limited by type of service, the number of days or a maximum dollar limit. Some ABRs and all LTCI are conditioned upon the insured not being able to perform two or more of the activities of daily living or being cognitively impaired.

This ABR pays proceeds that are intended to qualify for favorable tax treatment under section 101(g) of the Internal Revenue Code. The federal, state, �or local tax consequences resulting from payment of an ABR will depend on the specific facts and circumstances, and consequently advice and guidance should be obtained from a personal tax advisor prior to the receipt of any payments. ABR payments may affect eligibility for, or amounts of, Medicaid or other benefits provided by federal, state, or local government. Death benefits and policy values, such as cash values, premium payments and cost of insurance charges if applicable, will be reduced if an ABR payment is made. ABR payments may be limited by the contract or by outstanding policy loans.

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Financial professional use only. Not for public distribution.

AGLC200377 REV0723

Policies issued by American General Life Insurance Company (AGL), Houston, TX. AGL does not solicit, issue or deliver policies or contracts in the state of New York. Guarantees are backed by the claims-paying ability of the issuing insurance company and each company is responsible for the financial obligations of its products. Products may not be available in all states and features may vary by state. Please refer to the policy for more information.

All companies above are wholly owned subsidiaries of Corebridge Financial, Inc. Corebridge Financial and Corebridge are marketing names used by these companies.

This material is general in nature, was developed for educational use only, and is not intended to provide ﬁnancial, legal, ﬁduciary, accounting or tax advice, nor is it intended to make any recommendations. Applicable laws and regulations are complex and subject to change. Please consult with your ﬁnancial professional regarding your situation. For legal, accounting or tax advice consult the appropriate professional.

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