Investor Presentaiton

Life and Retirement: Reflects strong asset growth from new business and favorable equity markets, active spread management and favorable mortality, partially mitigated by continued headwinds from lower interest rates Adjusted Return on Common Equity 3.2 pts 7 AIG 13.0% 9.8% 4Q18 4Q19 Adjusted Pre-Tax Income ($M) $839 $78 $623 $51 $50 $209 $87 $159 $501 $327 4Q18 ■Individual Retirement ■Group Retirement 4Q19 ■Life Insurance ■ Institutional Markets Premiums and Deposits ($B) $8.2 $7.1 $0.8 $0.5 $1.0 $1.1 $2.1 $2.3 $4.2 $3.2 4Q18 4Q19 ■Individual Retirement Life Insurance ■ Group Retirement ■Institutional Markets General Operating Expenses ($M) $416 $388 $16 $13 $162 $156 $105 $122 $114 $116 4Q18 4Q19 ■Individual Retirement ■Group Retirement Life Insurance ■Institutional Markets 12

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