|
Pre-Effective Amendment No. |
[ ] |
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Post-Effective Amendment No. 24 |
[X] |
|
Amendment No. 24 |
[X] |
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A-1 | |
B-1 | |
C-1 | |
D-1 | |
E-1 | |
F-1 | |
G-1 | |
H-1 | |
I-1 |
|
FEES AND EXPENSES |
Location in Prospectus |
Charges for Early Withdrawals |
You may be subject to charges for early withdrawals. Withdrawal charges do not apply to certain withdrawals including the withdrawal up to the annual penalty-free withdrawal amount which equals 10% of your Purchase Payments not yet withdrawn. If you withdraw money from your contract within you may be assessed a withdrawal charge of up to Payment withdrawn. The maximum withdrawal charge ranges from 6% to 2.25% depending on the total Purchase Payments you invest. For example, if you were to withdraw $100,000 during a withdrawal charge period, you could be assessed a withdrawal charge of up to $ is 6% or $2,250 if your maximum withdrawal charge is 2.25%. |
Expenses – Withdrawal Charges |
Transaction Charges |
In addition to withdrawal charges, you may be charged for other transactions. You will be charged for each transfer after 15 transfers in any contract year during the Accumulation Phase. There may also be taxes on Purchase Payments. |
Expenses |
Ongoing Fees and Expenses (annual charges) |
The table below describes the current fees and expenses of the contract that you may pay each year, depending on the options you choose. Please refer to your contract specifications page for information about the specific fees you will pay each year based on the options you have elected. |
Expenses | ||
Annual Fee |
Minimum |
Maximum | ||
Base Contract1 |
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Investment Options2 (Underlying Fund fees and expenses) |
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Optional Benefits Available for an Additional Charge (For a single optional benefit, if elected) |
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1 2 3 4 Because your contract is customizable, the choices you make affect how much you will pay. To help you understand the cost of owning your contract, the following table shows the lowest and highest cost you could pay each year, based on current charges. This estimate assumes that you do not take withdrawals from the contract, which could add withdrawal charges that substantially increase costs. | ||||
Lowest Annual Cost: $ |
Highest Annual Cost: $ | |||
Assumes: •Investment of $100,000 •5% annual appreciation •Least expensive Underlying Fund fees and expenses •No optional benefits •No withdrawal charges •No additional Purchase Payments, transfers, or withdrawals |
Assumes: •Investment of $100,000 •5% annual appreciation •Most expensive combination of optional benefits and Underlying Fund fees and expenses •No withdrawal charges •No additional Purchase Payments, transfers, or withdrawals |
|
RISKS |
Location in Prospectus | ||
Risk of Loss |
|
Principal Risks of Investing in the Contract |
Not a Short-Term Investment |
• | |||
Risks Associated with Investment Options |
• | |||
Insurance Company Risks |
| |||
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RESTRICTIONS |
| ||
Investments |
• |
Investment Options | ||
Optional Benefits |
• |
Optional Living Benefit Death Benefits | ||
|
TAXES |
| ||
Tax Implications |
• |
Taxes |
|
CONFLICTS OF INTEREST |
Location in Prospectus | ||
Investment Professional Compensation |
|
Payments in Connection with Distribution of the Contract | ||
Exchanges |
|
Maximum Withdrawal Charges1 (as a percentage of each Purchase Payment withdrawn) |
|
Transfer Fee2 (Per transfer after 15 transfers in any contract year) |
$ |
Maximum Premium Based Charge3 (assessed quarterly as an annualized percentage of each Purchase Payment) |
|
Contract Maintenance Fee (assessed annually and may be waived if contract value is $75,000 or more) |
$ |
Base Contract Expenses4 (deducted from the average daily ending net asset value allocated to the Variable Portfolios) |
|
Maximum Anniversary Value |
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Maximum Fee6 |
One Covered Person |
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Two Covered Persons |
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Minimum |
Maximum |
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Years Since Premium Receipt | |||||||
Accumulated Premium Breakpoint |
1 |
2 |
3 |
4 |
5 |
6 |
7 |
8+ |
Less than $50,000 |
6% |
5% |
5% |
4% |
3% |
2% |
1% |
0% |
$50,000 but less than $100,000 |
5.5% |
5% |
5% |
4% |
3% |
2% |
1% |
0% |
$100,000 but less than $250,000 |
4.5% |
4% |
4% |
3% |
3% |
2% |
1% |
0% |
$250,000 but less than $500,000 |
3.5% |
3% |
3% |
2.25% |
2% |
2% |
1% |
0% |
$500,000 but less than $1,000,000 |
3% |
2% |
2% |
1.5% |
1% |
1% |
1% |
0% |
$1,000,000 or more |
2.25% |
1.5% |
1.5% |
1% |
1% |
0.75% |
0.5% |
0% |
Accumulated Premium Breakpoint |
Premium Based Charge as a Percentage of Purchase Payments Invested |
Annualized Premium Based Charge (over 7 Year Period) |
Less than $50,000 |
5.00% |
0.71% |
$50,000 but less than $100,000 |
4.50% |
0.64% |
$100,000 but less than $250,000 |
3.50% |
0.50% |
$250,000 but less than $500,000 |
2.50% |
0.36% |
$500,000 but less than $1,000,000 |
2.00% |
0.29% |
$1,000,000 or more |
1.25% |
0.18% |
Number of Covered Persons |
Minimum Annual Fee Rate |
Maximum Annualized Fee Rate Decrease or Increase Each Benefit Quarter* |
One Covered Person |
0.60% |
±0.40% |
Two Covered Persons |
0.60% |
±0.40% |
Maximum Withdrawal Charges1 (as a percentage of each Purchase Payment withdrawn) |
6% |
Transfer Fee2 (Per transfer after 15 transfers in any contract year) |
$25 |
Maximum Premium Based Charge3 (assessed quarterly as an annualized percentage of each Purchase Payment) |
0.71% |
Contract Maintenance Fee (assessed annually and may be waived if contract value is $75,000 or more) |
$50 |
Base Contract Expenses4 (deducted from the average daily ending net asset value allocated to the Variable Portfolios) |
0.95% |
Maximum Anniversary Value |
0.25% |
|
Initial Fee6 |
Maximum Fee6 |
One Covered Person |
|
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Two Covered Persons |
|
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|
Initial Fee6 |
Maximum Fee6 |
One Covered Person |
1.30% |
2.50% |
Two Covered Persons |
1.45% |
2.50% |
|
Initial Fee6 |
Maximum Fee6 |
One Covered Person |
1.10% |
2.20% |
Two Covered Persons |
1.35% |
2.70% |
|
Minimum |
Maximum |
Expenses deducted from Underlying Fund assets, including management fees, distribution and/or service (12b-1) fees, if applicable, and other expenses. |
0.46% |
1.60% |
|
Years Since Premium Receipt | |||||||
Accumulated Premium Breakpoint |
1 |
2 |
3 |
4 |
5 |
6 |
7 |
8+ |
Less than $50,000 |
6% |
5% |
5% |
4% |
3% |
2% |
1% |
0% |
$50,000 but less than $100,000 |
5.5% |
5% |
5% |
4% |
3% |
2% |
1% |
0% |
$100,000 but less than $250,000 |
4.5% |
4% |
4% |
3% |
3% |
2% |
1% |
0% |
$250,000 but less than $500,000 |
3.5% |
3% |
3% |
2.25% |
2% |
2% |
1% |
0% |
$500,000 but less than $1,000,000 |
3% |
2% |
2% |
1.5% |
1% |
1% |
1% |
0% |
$1,000,000 or more |
2.25% |
1.5% |
1.5% |
1% |
1% |
0.75% |
0.5% |
0% |
Accumulated Premium Breakpoint |
Premium Based Charge as a Percentage of Purchase Payments Invested |
Annualized Premium Based Charge (over 7 Year Period) |
Less than $50,000 |
5.00% |
0.71% |
$50,000 but less than $100,000 |
4.50% |
0.64% |
$100,000 but less than $250,000 |
3.50% |
0.50% |
$250,000 but less than $500,000 |
2.50% |
0.36% |
$500,000 but less than $1,000,000 |
2.00% |
0.29% |
$1,000,000 or more |
1.25% |
0.18% |
|
Minimum Annual Fee Rate |
Maximum Annualized Fee Rate Decrease or Increase Each Benefit Quarter* |
One Covered Person |
0.60% |
±0.40% |
Two Covered Persons |
0.60% |
±0.40% |
|
Minimum Annual Fee Rate |
Maximum Annualized Fee Rate Decrease or Increase Each Benefit Quarter* |
One Covered Person |
0.60% |
±0.25% |
Two Covered Persons |
0.60% |
±0.25% |
1 year |
3 years |
5 years |
10 years |
$ |
$ |
$ |
$ |
1 year |
3 years |
5 years |
10 years |
$ |
$ |
$ |
$ |
1 year |
3 years |
5 years |
10 years |
$ |
$ |
$ |
$ |
1 year |
3 years |
5 years |
10 years |
$ |
$ |
$ |
$ |
1 year |
3 years |
5 years |
10 years |
$ |
$ |
$ |
$ |
1 year |
3 years |
5 years |
10 years |
$ |
$ |
$ |
$ |
1 year |
3 years |
5 years |
10 years |
$ |
$ |
$ |
$ |
1 year |
3 years |
5 years |
10 years |
$ |
$ |
$ |
$ |
Without Optional Benefits |
With Optional Living Benefit |
With Optional Maximum Anniversary Death Benefit |
85 |
80* |
80 |
|
Minimum Initial Purchase Payment |
Minimum Subsequent Purchase Payment |
Minimum Automatic Subsequent Purchase Payment |
Qualified(1) |
$10,000 |
$500 |
$100 |
Non-Qualified(1) |
$10,000 |
$500 |
$100 |
Without Optional Benefits |
With Optional Living Benefit |
With Optional Maximum Anniversary Death Benefit |
86 |
81 |
81 |
US Life: Premium Processing Center P.O. Box 100357 Pasadena, CA 91189-0357 |
For US Life: JPM Chase-USL 100357 Premium Processing Center 2710 Media Center Drive Building #6, Suite 120 Los Angeles, CA 90065-1750 |
Annuity Service Center P.O. Box 15570 Amarillo, Texas 79105-5570. |
You can gain or lose money if you invest in these Variable Portfolios. You are responsible for allocating Purchase Payments to the Variable Portfolios as appropriate for your own individual circumstances, investment goals, financial situation and risk tolerance. You should periodically review your allocations and values to ensure they continue to suit your needs. You bear the risk of any decline in contract value resulting from the performance of the Variable Portfolio you have selected. In making your investment selections, you should investigate all information available to you including the Underlying Fund’s prospectus, statement of additional information and annual and semi-annual reports. |
We do not provide investment advice, nor do we recommend or endorse any particular Underlying Fund. |
DCA Fixed Account |
Minimum Purchase Payment |
6-Month |
$600 |
12-Month |
$1,200 |
2-Year* |
$2,400 |
Month |
Accumulation Unit Value |
Units Purchased |
1 |
$7.50 |
100 |
2 |
$5.00 |
150 |
3 |
$10.00 |
75 |
4 |
$7.50 |
100 |
5 |
$5.00 |
150 |
6 |
$7.50 |
100 |
Telephone: (800) 445-7862 |
Internet: www.corebridgefinancial.com/annuities |
United States Postal Service (first-class mail): Annuity Service Center P.O. Box 15570 Amarillo, Texas 79105-5570 |
Facsimile: (818) 615-1543 |
|
Minimum Withdrawal Amount |
Minimum Contract Value(1) |
Partial Withdrawal |
$1,000 |
$2,500(2) |
Systematic Withdrawal |
$100 |
$2,500(2) |
Your maximum annual penalty-free withdrawal amount equals 10% of remaining Purchase Payments not yet withdrawn each contract year, and still subject to withdrawal charges. |
If you elect the optional Living Benefit, please see Penalty-Free Withdrawal Amount under “What are the effects of withdrawals on Polaris Income Builder Daily Flex?” under OPTIONAL LIVING BENEFIT below. |
Annuity Service Center P.O. Box 15570 Amarillo, TX 79105-5570 |
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Maximum Fee |
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(as a percentage of Income Base) |
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(as a percentage of average daily net asset value allocated to the Variable Portfolios) |
|
Name of Benefit |
Purpose |
Maximum Fee |
Brief Description of Restrictions/Limitations |
Polaris Income Builder Daily Living Benefit |
A guaranteed minimum withdrawal benefit with frequent step-up opportunities |
2.50% (as a percentage of Income Base) |
•Excess withdrawals may significantly reduce or terminate the benefit •Step-up opportunities change from daily to annually after first withdrawal •Investment requirements limit available investment options •Purchase Payments subject to additional restrictions •May not be cancelled by you prior to the 5th benefit anniversary •Certain events will automatically terminate the benefit •May not be re-elected or reinstated after termination •Fees deducted pro rata from variable portfolios only |
Name of Benefit |
Purpose |
Maximum Fee |
Brief Description of Restrictions/Limitations |
Polaris Income Builder Living Benefit (Formerly SunAmerica Income Builder) |
A guaranteed minimum withdrawal benefit with Income Credits and step-up opportunities |
2.20% One Covered Person / 2.70% Two Covered Persons (as a percentage of Income Base) |
•Excess withdrawals may significantly reduce or terminate the benefit •Income Credits not available in any benefit year withdrawals are taken and not available after 12th benefit anniversary •Investment requirements limit available investment options •Purchase Payments subject to additional restrictions •May not be cancelled by you prior to the 5th benefit anniversary •Certain events will automatically terminate the benefit •May not be re-elected or reinstated after termination •Fees may be deducted pro rata from variable portfolios only |
SunAmerica Income Plus Living Benefit |
A guaranteed minimum withdrawal benefit with Income Credits and step-up opportunities |
2.20% One Covered Person / 2.70% Two Covered Persons (as a percentage of Income Base) |
•Excess withdrawals may significantly reduce or terminate the benefit •Income Credits unavailable after the 12th benefit anniversary •Investment requirements limit available investment options •Minimum Income Base not available on 12th benefit anniversary if a withdrawal has been taken •Purchase Payments subject to additional restrictions •May not be cancelled by you prior to the 5th benefit anniversary •Certain events will automatically terminate the benefit •May not be re-elected or reinstated after termination •Fees may be deducted pro rata from variable portfolios only |
Number of Covered Persons |
Maximum Annual Fee Rate |
Minimum Annual Fee Rate |
Maximum Annualized Fee Rate Decrease or Increase Each Benefit Quarter* |
One Covered Person |
2.50% |
0.60% |
±0.40% |
Two Covered Persons |
2.50% |
0.60% |
±0.40% |
Number of Owners |
Covered Person | |
Minimum Age(1) |
Maximum Age(2) | |
One Owner |
45 |
80 |
Joint Owners(3) |
45 |
80 |
Number of Owners and Covered Persons |
Allowed Changes to Covered Person(s) on the Activation Date |
Single Owned Contract & One Covered Person |
Add Spouse as the second Covered Person |
Single Owned Contract & Two Covered Persons(1) |
Remove or Change the second Covered Person who is not the Single Owner |
Jointly Owned Contract & One Covered Person |
Add Joint Owner as the second Covered Person |
Jointly Owned Contract & Two Covered Persons(1) |
Remove or Change either Covered Person |
Cancellation Request Received |
Cancellation Effective Date |
Years 1-5 |
5th Benefit Year Anniversary |
Years 5+ |
Benefit Quarter Anniversary following the receipt of the cancellation request |
Owner |
Payable Upon Death of |
Natural persons |
Owner (or first to die, if jointly owned) |
Non-natural person (e.g. Trust) |
Annuitant |
Satisfactory proof of death includes, but may not be limited to: |
(1)A certified copy of the death certificate; or |
(2)A certified copy of a decree of a court of competent jurisdiction as to the finding of death; or |
(3)A written statement by a medical doctor who attended the deceased at the time of death. |
We will process an Extended Legacy election as of the date we receive the following in Good Order at the Annuity Service Center: |
•Death Claim form electing Extended Legacy Program; and |
•Satisfactory proof of death of the original Owner. |
We will process an Inherited Account election as of the date we receive the following at the Annuity Service Center: |
•Inherited Account and Required Minimum Distribution Election Form; and |
•New contract application |
We will process a spousal continuation as of the date we receive the following at the Annuity Service Center: |
•Death Claim form; and |
•Satisfactory proof of death of the original Owner. |
Base Contract Expenses |
0.95% |
Accumulated Premium Breakpoint |
Premium Based Charge |
Quarterly Premium Based Charge (over 7 Year Period) |
Less than $50,000 |
5.00% |
0.1786% |
$50,000 but less than $100,000 |
4.50% |
0.1607% |
$100,000 but less than $250,000 |
3.50% |
0.1250% |
$250,000 but less than $500,000 |
2.50% |
0.0893% |
$500,000 but less than $1,000,000 |
2.00% |
0.0714% |
$100,000,000 or more |
1.25% |
0.0446% |
Accumulated Premium Breakpoint |
Years Since Receipt of Each Premium | |||||||
1 |
2 |
3 |
4 |
5 |
6 |
7 |
8+ | |
Less than $50,000 |
6% |
5% |
5% |
4% |
3% |
2% |
1% |
0% |
$50,000 but less than $100,000 |
5.5% |
5% |
5% |
4% |
3% |
2% |
1% |
0% |
$100,000 but less than $250,000 |
4.5% |
4% |
4% |
3% |
3% |
2% |
1% |
0% |
$250,000 but less than $500,000 |
3.5% |
3% |
3% |
2.25% |
2% |
2% |
1% |
0% |
$500,000 but less than $1,000,000 |
3% |
2% |
2% |
1.5% |
1% |
1% |
1% |
0% |
$1,000,000 or more |
2.25% |
1.5% |
1.5% |
1% |
1% |
0.75% |
0.5% |
0% |
After 15 Transfers |
$25 |
Number of Covered Persons |
Maximum Annual Fee Rate |
Minimum Annual Fee Rate |
Maximum Annualized Fee Rate Decrease or Increase Each Benefit Quarter* |
One Covered Person |
2.50% |
0.60% |
±0.40% |
Two Covered Persons |
2.50% |
0.60% |
±0.40% |
|
Underlying Fund – Share Class Advisor Subadvisor (if applicable) |
Current Expenses |
Average Annual Total Returns (as of 12/31/2023) | ||
1 Year |
5 Year |
10 Year | |||
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N/A |
N/A |
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N/A |
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N/A |
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N/A |
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N/A |
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N/A |
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N/A |
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N/A |
Type |
Underlying Fund – Share Class Advisor Subadvisor (if applicable) |
Current Expenses |
Average Annual Total Returns (as of 12/31/2023) | ||
1 Year |
5 Year |
10 Year | |||
Asset Allocation (continued) |
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N/A |
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N/A |
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N/A |
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- |
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N/A |
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N/A |
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- |
- |
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Type |
Underlying Fund – Share Class Advisor Subadvisor (if applicable) |
Current Expenses |
Average Annual Total Returns (as of 12/31/2023) | ||
1 Year |
5 Year |
10 Year | |||
Bond (continued) |
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- |
- |
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Shares |
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N/A |
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– Class 3 |
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N/A |
N/A |
Type |
Underlying Fund – Share Class Advisor Subadvisor (if applicable) |
Current Expenses |
Average Annual Total Returns (as of 12/31/2023) | ||
1 Year |
5 Year |
10 Year | |||
Stock (continued) |
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N/A |
N/A |
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N/A |
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N/A |
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N/A |
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N/A |
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N/A |
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Type |
Underlying Fund – Share Class Advisor Subadvisor (if applicable) |
Current Expenses |
Average Annual Total Returns (as of 12/31/2023) | ||
1 Year |
5 Year |
10 Year | |||
Stock (continued) |
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N/A |
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N/A |
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20% Secure Value Account |
80% in one or more of the following Variable Portfolios or DCA Fixed Accounts: American Funds Asset Allocation Goldman Sachs VIT Government Money Market Fund MFS Growth Allocation PIMCO Total Return SA Allocation Balanced SA Allocation Growth SA Allocation Moderate SA Allocation Moderate Growth SA American Century Inflation Protection SA BlackRock Multi-Factor 70/30 SA Federated Hermes Corporate Bond SA Fixed Income Index SA Fixed Income Intermediate Index SA Franklin Tactical Opportunities SA Global Index Allocation 60/40 SA Global Index Allocation 75/25 SA Global Index Allocation 90/10 SA Goldman Sachs Multi-Asset Insights SA Index Allocation 60/40 SA Index Allocation 80/20 SA Index Allocation 90/10 SA JPMorgan Diversified Balanced SA JPMorgan MFS Core Bond SA JPMorgan Ultra-Short Bond SA MFS Total Return SA PIMCO Global Bond Opportunities SA Putnam Asset Allocation Diversified Growth SA T. Rowe Price Asset Allocation Growth SA Wellington Government and Quality Bond SA Wellington Strategic Multi-Asset DCA Fixed Accounts* 6-Month DCA 1-Year DCA *You may use a DCA Fixed Account to invest your target allocations in accordance with the investment requirements. |
10% Secure Value Account |
90% in one or more of the following Variable Portfolios: American Funds Asset Allocation Goldman Sachs VIT Government Money Market Fund MFS Growth Allocation PIMCO Total Return SA Allocation Balanced SA Allocation Growth SA Allocation Moderate SA Allocation Moderate Growth SA American Century Inflation Protection SA BlackRock Multi-Factor 70/30 SA Federated Hermes Corporate Bond SA Fixed Income Index SA Fixed Income Intermediate Index SA Franklin Tactical Opportunities SA Global Index Allocation 60/40 SA Global Index Allocation 75/25 SA Global Index Allocation 90/10 SA Goldman Sachs Multi-Asset Insights SA Index Allocation 60/40 SA Index Allocation 80/20 SA Index Allocation 90/10 SA JPMorgan Diversified Balanced SA JPMorgan MFS Core Bond SA JPMorgan Ultra-Short Bond SA MFS Total Return SA PIMCO Global Bond Opportunities SA Putnam Asset Allocation Diversified Growth SA T. Rowe Price Asset Allocation Growth SA Wellington Government and Quality Bond SA Wellington Strategic Multi-Asset DCA Fixed Accounts* 6-Month DCA 1-Year DCA *You may use a DCA Fixed Account to invest your target allocations in accordance with the investment requirements. |
10% Secure Value Account |
90% in one or more of the following Variable Portfolios: American Funds Asset Allocation Goldman Sachs VIT Government Money Market Fund MFS Growth Allocation PIMCO Total Return SA Allocation Balanced SA Allocation Growth SA Allocation Moderate SA Allocation Moderate Growth SA American Century Inflation Protection SA BlackRock Multi-Factor 70/30 SA Federated Hermes Corporate Bond SA Fixed Income Index SA Fixed Income Intermediate Index SA Franklin Tactical Opportunities SA Global Index Allocation 60/40 SA Global Index Allocation 75/25 SA Global Index Allocation 90/10 SA Goldman Sachs Multi-Asset Insights SA Index Allocation 60/40 SA Index Allocation 80/20 SA Index Allocation 90/10 SA JPMorgan Diversified Balanced SA JPMorgan MFS Core Bond SA JPMorgan Ultra-Short Bond SA MFS Total Return SA PIMCO Global Bond Opportunities SA Putnam Asset Allocation Diversified Growth SA T. Rowe Price Asset Allocation Growth SA Wellington Government and Quality Bond SA Wellington Strategic Multi-Asset |
1 |
10% Secure Value Account |
90% SA VCP Dynamic Allocation |
2 |
10% Secure Value Account |
90% in one or more of the following Variable Portfolios, except as otherwise noted: Goldman Sachs VIT Government Money Market Fund SA American Century Inflation Protection SA Federated Hermes Corporate Bond SA JPMorgan MFS Core Bond SA JPMorgan Ultra-Short Bond SA PIMCO Global Bond Opportunities SA T. Rowe Price VCP Balanced* SA VCP Dynamic Allocation SA VCP Dynamic Strategy* SA Wellington Government and Quality Bond *You may invest up to a maximum of 50% in each of these Variable Portfolios. |
1 |
Option 1 10% Secure Value Account |
45% SA VCP Dynamic Allocation and 45% in one of three following allocations*: - Allocation A - Allocation B - Allocation C *Please see the allocations for the formerly available Polaris Portfolio Allocator Models at the end of this Appendix. |
2 |
Option 2 10% Secure Value Account |
90% in one or more of the following Variable Portfolios, except as otherwise noted: Goldman Sachs VIT Government Money Market Fund SA American Century Inflation Protection SA Federated Hermes Corporate Bond SA JPMorgan MFS Core Bond SA JPMorgan Ultra-Short Bond SA PIMCO Global Bond Opportunities SA T. Rowe Price VCP Balanced* SA VCP Dynamic Allocation SA Wellington Government and Quality Bond *You may invest up to a maximum of 50% in each of these Variable Portfolios. |
Option |
Investment Options |
Option 1 |
Invest 45% in the SA VCP Dynamic Allocation Portfolio and 45% in the following Sample Portfolio: - Balanced Toward Growth1 or Invest 45% in the SA VCP Dynamic Allocation Portfolio and 45% in one of the three following Allocations*: - Allocation A - Allocation B - Allocation C *Please see the allocations for the formerly available Polaris Portfolio Allocator Models at the end of this Appendix. |
Option 2 |
Invest 90% in one or more of the following Variable Portfolios, except as otherwise noted: Goldman Sachs VIT Government Money Market Fund SA American Century Inflation Protection SA Federated Hermes Corporate Bond SA JPMorgan MFS Core Bond SA JPMorgan Ultra-Short Bond SA PIMCO Global Bond Opportunities SA T. Rowe Price VCP Balanced* SA VCP Dynamic Allocation SA Wellington Government and Quality Bond *You may invest up to a maximum of 50% in each of these Variable Portfolios. |
Option 1 |
Invest in one of three available Allocations*: Allocation A, Allocation B or Allocation C or Invest in one of three available Sample Portfolios: Balanced Growth & Income1 Balanced Toward Growth Growth Focus *Please see the allocations for the formerly available Polaris Portfolio Allocator Models at the end of this Appendix. |
Option 2 |
Invest in one or more of the following Variable Portfolios, except as otherwise noted: American Funds Asset Allocation Franklin Income VIP Fund Goldman Sachs VIT Government Money Market Fund SA JPMorgan Diversified Balanced SA MFS Total Return SA VCP Dynamic Allocation |
Option 3 |
Invest in the SA JPMorgan Ultra-Short Bond Portfolio |
Investment Group |
Investment Requirement |
Variable Portfolios and/or Fixed Accounts |
A. Bond, Cash and Fixed Accounts |
Minimum 20% Maximum 90% |
Goldman Sachs VIT Government Money Market Fund SA American Century Inflation Protection SA Federated Hermes Corporate Bond SA JPMorgan MFS Core Bond SA JPMorgan Ultra-Short Bond SA PIMCO Global Bond Opportunities SA Wellington Government and Quality Bond DCA Fixed Accounts* 6-Month DCA 1-Year DCA 2-Year DCA Fixed Accounts 1-Year Fixed (if available) |
Investment Group |
Investment Requirement |
Variable Portfolios and/or Fixed Accounts |
B. Equity |
Minimum 0% Maximum 70% |
American Funds Asset Allocation American Funds Capital World Bond American Funds Growth American Funds Growth-Income Franklin Allocation VIP Fund Franklin Income VIP Fund Invesco V.I. American Franchise Fund Invesco V.I. Comstock Fund Invesco V.I. Growth and Income Fund Lord Abbett Growth and Income Lord Abbett Mid Cap Stock SA AB Growth SA AB Small & Mid Cap Value SA Franklin BW U.S. Large Cap Value SA Franklin Systematic U.S. Large Cap Value SA Janus Focused Growth SA JPMorgan Diversified Balanced SA JPMorgan Equity-Income SA JPMorgan Global Equities SA JPMorgan Large Cap Core SA JPMorgan Mid-Cap Growth SA MFS Blue Chip Growth SA MFS Massachusetts Investors Trust SA MFS Total Return SA Morgan Stanley International Equities SA PIMCO RAE International Value SA PineBridge High-Yield Bond SA Putnam International Growth and Income SA VCP Dynamic Allocation SA Wellington Capital Appreciation |
C. Limited Equity |
Minimum 0% Maximum 10% |
SA Fidelity Institutional AM® Real Estate SA Franklin Small Company Value SA Invesco Growth Opportunities SA JPMorgan Emerging Markets |
Variable Portfolios |
Allocation A |
Allocation B |
Allocation C |
American Funds Global Growth |
2.0% |
3.0% |
4.0% |
American Funds Growth-Income |
0.0% |
0.0% |
1.0% |
Invesco V.I. Comstock Fund |
5.0% |
5.0% |
6.0% |
Invesco V.I. Growth and Income Fund |
6.0% |
7.0% |
8.0% |
SA AB Growth |
3.0% |
4.0% |
4.0% |
SA AB Small & Mid Cap Value |
1.0% |
1.0% |
1.0% |
SA American Century Inflation Protection |
5.0% |
3.0% |
2.0% |
SA Federated Hermes Corporate Bond |
10.0% |
8.0% |
7.0% |
SA Fidelity Institutional AM® Real Estate |
0.0% |
0.0% |
0.0% |
SA Franklin BW U.S. Large Cap Value |
4.0% |
4.0% |
4.0% |
SA Franklin Small Company Value |
0.0% |
2.0% |
2.0% |
SA Franklin Systematic U.S. Large Cap Value |
3.0% |
3.0% |
3.0% |
SA Janus Focused Growth |
0.0% |
1.0% |
1.0% |
SA JPMorgan Emerging Markets |
0.0% |
1.0% |
2.0% |
SA JPMorgan Equity-Income |
6.0% |
7.0% |
8.0% |
SA JPMorgan Large Cap Core |
3.0% |
4.0% |
4.0% |
SA JPMorgan MFS Core Bond |
17.0% |
13.0% |
10.0% |
SA JPMorgan Ultra-Short Bond |
2.0% |
1.0% |
0.0% |
SA MFS Blue Chip Growth |
2.0% |
3.0% |
4.0% |
SA MFS Massachusetts Investors Trust |
6.0% |
6.0% |
7.0% |
SA Morgan Stanley International Equities |
3.0% |
3.0% |
4.0% |
SA PIMCO Global Bond Opportunities |
4.0% |
4.0% |
2.0% |
SA PIMCO RAE International Value |
3.0% |
3.0% |
3.0% |
SA PineBridge High-Yield Bond |
4.0% |
3.0% |
2.0% |
SA Wellington Capital Appreciation |
3.0% |
3.0% |
4.0% |
SA Wellington Government and Quality Bond |
8.0% |
8.0% |
7.0% |
Total |
100% |
100% |
100% |
PROSPECTUS PROVISION |
AVAILABILITY OR VARIATION |
ISSUE STATE |
Administrative Charge |
Charge will be deducted pro-rata from Variable Portfolios only. |
New York |
Annuity Date |
You may begin the Income Phase any time after 13 months after contract issue. |
New York |
Free Look |
The Free Look amount is calculated as the greater of (1) Purchase Payments including fees and charges or (2) the value of your contract on the day we receive your request in Good Order at the Annuity Service Center. |
New York |
Minimum Contract Value |
The minimum remaining contract value after a partial withdrawal must be $2,000. |
New York |
Premium Based Charge |
Charge will be deducted pro-rata from Variable Portfolios only. |
New York |
Polaris Income Builder Daily Flex |
Charge will be deducted pro-rata from Variable Portfolios only. |
New York |
Polaris Income Builder Daily |
Charge will be deducted pro-rata from Variable Portfolios only. |
New York |
Polaris Income Builder |
Charge will be deducted pro-rata from Variable Portfolios only. |
New York |
SunAmerica Income Plus |
Charge will be deducted pro-rata from Variable Portfolios only. |
New York |
Number of Covered Persons |
Maximum Annual Fee Rate |
Minimum Annual Fee Rate |
Maximum Annualized Fee Rate Decreased or Increase Each Benefit Quarter* |
Once Covered Person |
2.50% |
0.60% |
±0.40% |
Two Covered Persons |
2.50% |
0.60% |
±0.40% |
Benefit Quarter Anniversary |
Quarterly Average (Daily VIX2) |
Calculated Annual Fee Rate* |
Annual Fee Rate |
Quarterly Fee Rate** |
1st |
525.71 |
N/A |
1.45% |
0.3625% |
2nd |
412.12 |
N/A |
1.45% |
0.3625% |
3rd |
770.25 |
N/A |
1.45% |
0.3625% |
4th |
573.97 |
N/A |
1.45% |
0.3625% |
5th |
204.42 |
1.26% |
1.26% |
0.3150% |
Benefit Quarter |
Quarterly Average (Daily VIX2) |
Calculated Annual Fee Rate |
Annual Fee Rate |
Quarterly Fee Rate |
6th |
351.93 |
1.48% |
1.48% |
0.3700% |
7th |
307.03 |
1.42% |
1.42% |
0.3550% |
8th |
602.30 |
1.86% |
1.82% |
0.4550% |
9th |
698.25 |
2.01% |
2.01% |
0.5025% |
10th |
323.74 |
1.44% |
1.61% |
0.4025% |
11th |
398.72 |
1.55% |
1.55% |
0.3875% |
12th |
261.37 |
1.35% |
1.35% |
0.3375% |
13th |
281.15 |
1.38% |
1.38% |
0.3450% |
14th |
151.32 |
1.18% |
1.18% |
0.2950% |
15th |
52.63 |
1.03% |
1.03% |
0.2575% |
16th |
207.38 |
1.26% |
1.26% |
0.3150% |
As of |
Purchase Payment Invested |
Contract Value |
Minimum Income Base |
Income Base |
Maximum Annual Withdrawal Amount |
Benefit Effective Date |
$100,000 |
$100,000 |
$100,000 |
$100,000 |
$5,000 |
As of |
Purchase Payment Invested |
Assumed Contract Value |
Step-up Value |
Minimum Income Base |
Income Base |
Maximum Annual Withdrawal Amount upon Activation |
Benefit Effective Date |
$100,000 |
$100,000 |
— |
$100,000 |
$100,000 |
$5,000 |
Year 1 – Day 25 |
— |
$102,000 |
$102,000 |
$100,000 |
$102,000 |
$5,100 |
Year 1 – Day 105 |
— |
$105,000 |
$105,000 |
$100,000 |
$105,000 |
$5,250 |
Year 1 – Day 200 |
$60,000 |
$162,000 |
— |
$160,000 |
$165,000 |
$8,250 |
Year 1 – Day 300 |
— |
$166,000 |
$166,000 |
$160,000 |
$166,000 |
$8,300 |
1st Anniversary |
— |
$167,000 |
$167,000 |
$168,000 |
$168,000 |
$8,400 |
Year 2 – Day 180 |
$90,000 |
$250,000 |
— |
$258,000 |
$258,000 |
$12,900 |
Year 2 – Day 250 |
— |
$280,000 |
$280,000 |
$258,000 |
$280,000 |
$14,000 |
2nd Anniversary |
— |
$279,000 |
— |
$270,500 |
$280,000 |
$14,000 |
As of |
Assumed Contract Value |
Withdrawal Taken |
Step-up Value |
Minimum Income Base |
Income Base |
Maximum Annual Withdrawal Amount upon Activation |
2nd Anniversary |
$279,000 |
— |
— |
$270,500 |
$280,000 |
$14,000 |
Year 3 – Day 45 |
$290,000 |
— |
$290,000 |
$270,500 |
$290,000 |
$14,500 |
Year 3 – Day 155 |
$285,000 |
$5,000 |
— |
$265,754 |
$284,912 |
$14,246 |
Year 3 – Day 275 |
$300,000 |
— |
$300,000 |
$265,754 |
$300,000 |
$15,000 |
3rd Anniversary |
$310,000 |
— |
$310,000 |
$278,035 |
$310,000 |
$15,500 |
As of |
Assumed Contract Value |
Withdrawal Taken |
Step-up Value |
Minimum Income Base |
Income Base |
Maximum Annual Withdrawal Amount upon Activation |
3rd Anniversary |
$310,000 |
— |
$310,000 |
$278,035 |
$310,000 |
$15,500 |
Year 4 – Day 65 |
$315,000 |
— |
$315,000 |
$278,035 |
$315,000 |
$15,750 |
Year 4 – Day 92 |
$312,000 |
$10,000 |
— |
— |
$315,000 |
$15,750 |
Year 4 – Day 350 |
$320,000 |
— |
$320,000 |
— |
$315,000 |
$15,750 |
4th Anniversary |
$311,000 |
— |
— |
— |
$320,000 |
$16,000 |
Year 5 – Day 75 |
$325,000 |
— |
$325,000 |
— |
$320,000 |
$16,000 |
Year 5 – Day 80 |
$322,000 |
$16,000 |
— |
— |
$320,000 |
$16,000 |
5th Anniversary |
$317,000 |
— |
— |
— |
$325,000 |
$16,250 |
Year 6 – Day 155 |
$330,000 |
— |
$330,000 |
— |
$325,000 |
$16,250 |
6th Anniversary |
$329,000 |
— |
— |
— |
$330,000 |
$16,500 |
As of |
Assumed Contract Value |
Withdrawal Taken |
Step-up Value |
Income Base |
Maximum Annual Withdrawal Amount |
6th Anniversary |
$329,000 |
— |
— |
$330,000 |
$16,500 |
Year 7 – Day 37 |
$321,000 |
$26,400 |
— |
$319,271 |
$15,964 |
Year 7 – Day 362 |
$325,000 |
— |
$325,000 |
$319,271 |
$15,964 |
7th Anniversary |
$317,000 |
— |
— |
$325,000 |
$16,250 |
Year 8 – Day 46 |
$307,000 |
$26,000 |
— |
$314,101 |
$15,705 |
8th Anniversary |
$270,000 |
— |
— |
$314,101 |
$15,705 |
As of |
Assumed Contract Value |
Withdrawal Taken |
Step-up Value |
Income Base |
Maximum Annual Withdrawal Amount |
Protected Income Payment |
8th Anniversary |
$270,000 |
— |
— |
$314,101 |
$15,705 |
— |
9th Anniversary |
$150,000 |
$15,705 |
— |
$314,101 |
$15,705 |
— |
10th Anniversary |
$100,000 |
$15,705 |
— |
$314,101 |
$15,705 |
— |
11th Anniversary |
$50,000 |
$15,705 |
— |
$314,101 |
$15,705 |
— |
Year 12 – Day 81 |
$0 |
$15,705 |
— |
$314,101 |
$15,705 |
— |
12th Anniversary |
$0 |
$0 |
— |
$314,101 |
— |
$15,705 |
Polaris Income Builder Daily Flex |
F-1 |
Polaris Income Builder Daily Flex Fee |
F-7 |
Additional Important Information Applicable to Polaris Income Builder Daily Flex |
F-8 |
Polaris Income Builder Daily |
F-11 |
Polaris Income Builder Daily Fee |
F-16 |
Additional Important Information Applicable to Polaris Income Builder Daily |
F-17 |
Polaris Income Builder |
F-19 |
Polaris Income Builder Fee |
F-24 |
SunAmerica Income Plus |
F-25 |
SunAmerica Income Plus Fee |
F-30 |
Additional Important Information Applicable to Polaris Income Builder and SunAmerica Income Plus |
F-32 |
|
|
Benefit Year Anniversary after Each Purchase Payment |
Minimum Income Base Percentage (as a Percentage of each Purchase Payment) |
1st Benefit Year Anniversary |
105% |
2nd Benefit Year Anniversary |
110% |
3rd Benefit Year Anniversary |
115% |
4th Benefit Year Anniversary |
120% |
5th Benefit Year Anniversary |
125% |
6th Benefit Year Anniversary |
130% |
7th Benefit Year Anniversary |
135% |
8th Benefit Year Anniversary |
140% |
9th Benefit Year Anniversary |
145% |
10th Benefit Year Anniversary |
150% |
Number of Covered Person and Age of Covered Person(s) on the Activation Date(1) |
Polaris Income Builder Daily Flex |
One Covered Person (Age 45 - 59) |
3.50% / 3.50% |
One Covered Person (Age 60 - 64) |
4.00% / 4.00% |
One Covered Person (Age 65 - 74) |
5.40% / 5.40% |
One Covered Person (Age 75 and Older) |
5.60% / 5.60% |
Two Covered Persons (Age 45 - 59) |
3.00% / 3.00% |
Two Covered Persons (Age 60 - 64) |
3.50% / 3.50% |
Two Covered Persons (Age 65 - 74) |
4.90% / 4.90% |
Two Covered Persons (Age 75 and Older) |
5.10% / 5.10% |
Number of Covered Person and Age of Covered Person(s) on the Activation Date(1) |
Polaris Income Builder Daily Flex |
One Covered Person (Age 45 - 59) |
3.25% / 3.25% |
One Covered Person (Age 60 - 64) |
3.75% / 3.75% |
One Covered Person (Age 65 - 74) |
5.00% / 5.00% |
One Covered Person (Age 75 and Older) |
5.25% / 5.25% |
Two Covered Persons (Age 45 - 59) |
2.75% / 2.75% |
Two Covered Persons (Age 60 - 64) |
3.25% / 3.25% |
Two Covered Persons (Age 65 - 74) |
4.50% / 4.50% |
Two Covered Persons (Age 75 and Older) |
4.75% / 4.75% |
Number of Covered Person and Age of Covered Person(s) on the Activation Date(1) |
Polaris Income Builder Daily Flex |
One Covered Person (Age 45 - 59) |
3.25% / 3.25% |
One Covered Person (Age 60 - 64) |
3.75% / 3.75% |
One Covered Person (Age 65 - 71) |
5.00% / 5.00% |
One Covered Person (Age 72 and Older) |
5.25% / 5.25% |
Two Covered Persons (Age 45 - 59) |
2.75% / 2.75% |
Two Covered Persons (Age 60 - 64) |
3.25% / 3.25% |
Two Covered Persons (Age 65 - 71) |
4.50% / 4.50% |
Two Covered Persons (Age 72 and Older) |
4.75% / 4.75% |
Number of Covered Person and Age of Covered Person(s) on the Activation Date(1) |
Polaris Income Builder Daily Flex |
One Covered Person (Age 45 - 59) |
3.50% / 3.50% |
One Covered Person (Age 60 - 64) |
4.00% / 4.00% |
One Covered Person (Age 65 - 71) |
5.40% / 5.40% |
One Covered Person (Age 72 and Older) |
5.70% / 5.70% |
Two Covered Persons (Age 45 - 59) |
3.00% / 3.00% |
Two Covered Persons (Age 60 - 64) |
3.50% / 3.50% |
Two Covered Persons (Age 65 - 71) |
4.90% / 4.90% |
Two Covered Persons (Age 72 and Older) |
5.20% / 5.20% |
Number of Covered Person and Age of Covered Person(s) on the Activation Date(1) |
Polaris Income Builder Daily Flex |
One Covered Person (Age 45 - 59) |
3.50% / 3.50% |
One Covered Person (Age 60 - 64) |
4.00% / 4.00% |
One Covered Person (Age 65 - 71) |
5.60% / 5.60% |
One Covered Person (Age 72 and Older) |
5.85% / 5.85% |
Two Covered Persons (Age 45 - 59) |
3.00% / 3.00% |
Two Covered Persons (Age 60 - 64) |
3.50% / 3.50% |
Two Covered Persons (Age 65 - 71) |
5.10% / 5.10% |
Two Covered Persons (Age 72 and Older) |
5.35% / 5.35% |
Number of Covered Persons |
Initial Annual Fee Rate |
Maximum Annual Fee Rate |
Minimum Annual Fee Rate |
Maximum Annualized Fee Rate Decrease or Increase Each Benefit Quarter* |
One Covered Person |
1.45% |
2.50% |
0.60% |
±0.40% |
Two Covered Persons |
1.45% |
2.50% |
0.60% |
±0.40% |
Number of Covered Persons |
Initial Annual Fee Rate |
Maximum Annual Fee Rate |
Minimum Annual Fee Rate |
Maximum Annualized Fee Rate Decrease or Increase Each Benefit Quarter* |
One Covered Person |
1.35% |
2.50% |
0.60% |
±0.40% |
Two Covered Persons |
1.35% |
2.50% |
0.60% |
±0.40% |
Number of Owners |
Covered Person | |
Minimum Age(1) |
Maximum Age(2) | |
One Owner |
45 |
80 |
Joint Owners(3) |
45 |
80 |
Number of Owners and Covered Persons |
Allowed Changes to Covered Person(s) on the Activation Date |
Single Owned Contract & One Covered Person |
Add Spouse as the second Covered Person |
Single Owned Contract & Two Covered Persons(1) |
Remove or Change the second Covered Person who is not the Single Owner |
Jointly Owned Contract & One Covered Person |
Add Joint Owner as the second Covered Person |
Jointly Owned Contract & Two Covered Persons(1) |
Remove or Change either Covered Person |
Cancellation Request Received |
Cancellation Effective Date |
Years 1-5 |
5th Benefit Year Anniversary |
Years 5+ |
Benefit Quarter Anniversary following the receipt of the cancellation request |
Minimum Income Base Period (if no withdrawals are taken prior to the Benefit Year Anniversary) |
Minimum Income Base Percentage (as a Percentage of the 1st Benefit Year’s Purchase Payment) |
1st Benefit Year Anniversary |
105% |
2nd Benefit Year Anniversary |
110% |
3rd Benefit Year Anniversary |
115% |
4th Benefit Year Anniversary |
120% |
5th Benefit Year Anniversary |
125% |
6th Benefit Year Anniversary |
130% |
7th Benefit Year Anniversary |
135% |
8th Benefit Year Anniversary |
140% |
9th Benefit Year Anniversary |
145% |
10th Benefit Year Anniversary |
150% |
Number of Covered Person and Age of Covered Person at First Withdrawal(1) |
Polaris Income Builder Daily |
One Covered Person (Age 45 - 59) |
3.50% / 3.50% |
One Covered Person (Age 60 - 64) |
4.00% / 4.00% |
One Covered Person (Age 65 - 71) |
5.50% / 5.50% |
One Covered Person (Age 72 and Older) |
5.75% / 5.75% |
Two Covered Persons (Age 45 - 59) |
3.00% / 3.00% |
Two Covered Persons (Age 60 - 64) |
3.50% / 3.50% |
Two Covered Persons (Age 65 - 71) |
5.00% / 5.00% |
Two Covered Persons (Age 72 and Older) |
5.25% / 5.25% |
Number of Covered Persons |
Initial Annual Fee Rate |
Maximum Annual Fee Rate |
Minimum Annual Fee Rate |
Maximum Annualized Fee Rate Decrease or Increase Each Benefit Quarter* |
One Covered Person |
1.30% |
2.50% |
0.60% |
±0.40% |
Two Covered Persons |
1.45% |
2.50% |
0.60% |
±0.40% |
Cancellation Request Received |
Cancellation Effective Date |
Years 1-5 |
5th Benefit Year Anniversary |
Years 5+ |
Benefit Quarter Anniversary following the receipt of the cancellation request |
Income Credit (as a percentage of the Income Credit Base) |
Income Credit Availability |
6% |
Available during the first 12 Benefit Years — the Income Credit is eliminated in years any withdrawal is taken |
Number of Covered Persons and Age of Covered Person at First Withdrawal* |
Maximum Annual Withdrawal Percentage |
Protected Income Payment Percentage |
One Covered Person (Age 64 and Younger) |
4.0% |
4.0% |
One Covered Person (Ages 65 and older) |
5.2% |
5.2% |
Two Covered Persons (Age 64 and Younger) |
3.5% |
3.5% |
Two Covered Persons (Ages 65 and older) |
4.7% |
4.7% |
Number of Covered Persons and Age of Covered Person at First Withdrawal* |
Maximum Annual Withdrawal Percentage |
Protected Income Payment Percentage |
One Covered Person (Age 64 and Younger) |
4.0% |
4.0% |
One Covered Person (Ages 65 and older) |
5.0% |
5.0% |
Two Covered Persons (Age 64 and Younger) |
3.5% |
3.5% |
Two Covered Persons (Ages 65 and older) |
4.5% |
4.5% |
Number of Covered Persons |
Initial Annual Fee Rate |
Maximum Annual Fee Rate |
Minimum Annual Fee Rate |
Maximum Annualized Fee Rate Decrease or Increase Each Benefit Quarter* |
One Covered Person |
1.10% |
2.20% |
0.60% |
±0.25% |
Two Covered Persons |
1.35% |
2.70% |
0.60% |
±0.25% |
First Contract Year |
|
100% of Purchase Payments received |
|
First Contract Year |
Subsequent Contract Years |
100% of Purchase Payments received |
Purchase Payments received in Contract Year 2, capped at 100% of Purchase Payments received in the first Contract Year |
First Contract Year |
Subsequent Contract Years |
100% of Purchase Payments received |
Purchase Payments received in Contract Year 2-5, capped at 200% of Purchase Payments received in the first Contract Year |
Income Credit |
Income Credit Availability |
5.50% |
Available during the first 12 Benefit Years — the Income Credit is reduced in the years withdrawals are taken |
Income Credit |
Income Credit Availability |
5.25% |
Available during the first 12 Benefit Years — the Income Credit is reduced in the years withdrawals are taken |
Income Credit |
Income Credit Availability |
6% |
Available during the first 12 Benefit Years — the Income Credit is reduced in the years withdrawals are taken |
Number of Covered Persons and Age of Covered Person at First Withdrawal* |
Maximum Annual Withdrawal Percentage |
Protected Income Payment Percentage |
One Covered Person (Age 64 and Younger) |
4.0% |
4.0% |
One Covered Person (Ages 65 and older) |
5.0% |
5.0% |
Two Covered Persons (Age 64 and Younger) |
3.5% |
3.5% |
Two Covered Persons (Ages 65 and older) |
4.5% |
4.5% |
Number of Covered Persons |
Initial Annual Fee Rate |
Maximum Annual Fee Rate |
Minimum Annual Fee Rate |
Maximum Annualized Fee Rate Decrease or Increase Each Benefit Quarter* |
One Covered Person |
1.10% |
2.20% |
0.60% |
±0.25% |
Two Covered Persons |
1.35% |
2.70% |
0.60% |
±0.25% |
Cancellation Request Received |
Cancellation Effective Date |
Years 1-5 |
5th Benefit Year Anniversary |
Years 5+ |
Benefit Quarter Anniversary following the receipt of the cancellation request |
Values as of |
Purchase Payment Invested |
Contract Value |
Net Purchase Payments |
Standard Death Benefit |
Issue Date |
$100,000 |
$100,000 |
$100,000 |
$100,000 |
Values as of |
Purchase Payment Invested |
Assumed Contract Value |
Net Purchase Payments |
Standard Death Benefit |
Contract Date |
$100,000 |
$100,000 |
$100,000 |
$100,000 |
Year 1 – Day 200 |
$60,000 |
$162,000 |
$160,000 |
$162,000 |
1st Anniversary |
— |
$167,000 |
$160,000 |
$167,000 |
Year 2 – Day 180 |
$90,000 |
$250,000 |
$250,000 |
$250,000 |
2nd Anniversary |
— |
$279,000 |
$250,000 |
$279,000 |
Values as of |
Assumed Contract Value |
Withdrawal Taken |
Anniversary Value |
Net Purchase Payments |
Standard Death Benefit |
2nd Anniversary |
$279,000 |
— |
$279,000 |
$250,000 |
$279,000 |
Year 3 – Day 155 |
$285,000 |
$5,000 |
— |
$245,614 |
$280,000 |
3rd Anniversary |
$310,000 |
— |
$310,000 |
$245,614 |
$310,000 |
Values as of |
Assumed Contract Value |
Withdrawal Taken |
Anniversary Value |
Assumed Maximum Annual Withdrawal Amount |
Net Purchase Payments |
Standard Death Benefit |
3rd Anniversary |
$310,000 |
— |
$310,000 |
$17,360 |
$245,614 |
$310,000 |
Year 4 – Day 65 |
$315,000 |
— |
— |
$17,640 |
$245,614 |
$315,000 |
Year 4 – Day 92 |
$312,000 |
$10,000 |
— |
$17,640 |
$235,614 |
$302,000 |
Year 4 – Day 350 |
$320,000 |
— |
— |
$17,640 |
$235,614 |
$320,000 |
4th Anniversary |
$311,000 |
— |
$311,000 |
$17,920 |
$235,614 |
$311,000 |
Year 5 – Day 75 |
$325,000 |
— |
— |
$17,920 |
$235,614 |
$325,000 |
Year 5 – Day 80 |
$322,000 |
$17,920 |
— |
$17,920 |
$217,694 |
$304,080 |
5th Anniversary |
$317,000 |
— |
$317,000 |
$18,200 |
$217,694 |
$317,000 |
Values as of |
Assumed Contract Value |
Withdrawal Taken |
Anniversary Value |
Assumed Maximum Annual Withdrawal Amount |
Net Purchase Payments |
Standard Death Benefit |
5th Anniversary |
$317,000 |
— |
$317,000 |
$18,200 |
$217,694 |
$317,000 |
Year 6 – Day 155 |
$330,000 |
— |
— |
$18,200 |
$217,694 |
$330,000 |
6th Anniversary |
$329,000 |
— |
$329,000 |
$18,480 |
$217,694 |
$329,000 |
Year 7 – Day 37 |
$321,000 |
$26,400 |
— |
$17,996 |
$193,999 |
$294,600 |
Year 7 – Day 362 |
$325,000 |
— |
— |
$17,996 |
$193,999 |
$325,000 |
7th Anniversary |
$317,000 |
— |
$317,000 |
$18,200 |
$193,999 |
$317,000 |
Values as of |
Assumed Contract Value |
Withdrawal Taken |
Anniversary Value |
Assumed Net Purchase Payments |
Maximum Anniversary Value |
Maximum Anniversary Value Death Benefit |
Contract Date |
$100,000 |
— |
— |
$100,000 |
— |
$100,000 |
1st Anniversary |
$167,000 |
— |
$167,000 |
$160,000 |
$167,000 |
$167,000 |
2nd Anniversary |
$279,000 |
— |
$279,000 |
$250,000 |
$279,000 |
$279,000 |
Year 3 – Day 155 |
$285,000 |
$5,000 |
— |
$245,614 |
$274,105 |
$280,000 |
3rd Anniversary |
$310,000 |
— |
$310,000 |
$245,614 |
$310,000 |
$310,000 |
Number of Covered Person(s) |
Initial Annual Fee Rate |
One Covered Person |
1.45% |
Two Covered Persons |
1.45% |
Number of Covered Persons and Age of Covered Person(s) on the Activation Date(1) |
Polaris Income Builder Daily Flex | |
Maximum Annual Withdrawal Percentage |
Protected Income Payment Percentage | |
One Covered Person (Age 45 – 49) |
3.30% |
3.30% |
One Covered Person (Age 50 – 54) |
3.50% |
3.50% |
One Covered Person (Age 55 – 59) |
4.00% |
4.00% |
One Covered Person (Age 60 – 64) |
4.20% |
4.20% |
One Covered Person (Age 65 – 69) |
5.60% |
5.60% |
One Covered Person (Age 70 – 74) |
6.00% |
6.00% |
One Covered Person (Age 75 – 79) |
6.50% |
6.50% |
One Covered Person (Age 80 – 84) |
7.10% |
7.10% |
One Covered Person (Age 85 – 89) |
7.85% |
7.85% |
One Covered Person (Age 90 – 94) |
8.80% |
8.80% |
One Covered Person (Age 95 and older) |
10.05% |
10.05% |
Two Covered Persons (Age 45 – 49) |
2.80% |
2.80% |
Two Covered Person (Age 50 – 54) |
3.00% |
3.00% |
Two Covered Person (Age 55 – 59) |
3.50% |
3.50% |
Two Covered Person (Age 60 – 64) |
3.70% |
3.70% |
Two Covered Person (Age 65 – 69) |
5.10% |
5.10% |
Two Covered Person (Age 70 – 74) |
5.50% |
5.50% |
Two Covered Person (Age 75 – 79) |
6.00% |
6.00% |
Two Covered Person (Age 80 – 84) |
6.60% |
6.60% |
Two Covered Person (Age 85 – 89) |
7.35% |
7.35% |
Two Covered Person (Age 90 – 94) |
8.30% |
8.30% |
Two Covered Person (Age 95 and older) |
9.55% |
9.55% |
Number of Covered Person(s) |
Initial Annual Fee Rate |
One Covered Person |
1.45% |
Two Covered Persons |
1.45% |
Number of Covered Persons and Age of Covered Person(s) on the Activation Date(1) |
Polaris Income Builder Daily Flex | |
Maximum Annual Withdrawal Percentage |
Protected Payment Income Percentage | |
One Covered Person (Age 45 – 59) |
3.50% |
3.50% |
One Covered Person (Age 60 – 64) |
4.00% |
4.00% |
One Covered Person (Age 65 – 74) |
5.40% |
5.40% |
One Covered Person (Age 75 and older) |
5.60% |
5.60% |
Two Covered Person (Age 45 – 59) |
3.00% |
3.00% |
Two Covered Person (Age 60 – 64) |
3.50% |
3.50% |
Two Covered Person (Age 65 – 74) |
4.90% |
4.90% |
Two Covered Person (Age 75 and older) |
5.10% |
5.10% |
NIF |
= |
($11.46/$11.44) |
|
= |
1.00174825 |
|
|
(1/12) |
|
|
|
1/ |
[(1.035) |
|
] |
= |
0.99713732 |
Ameriprise Financial Services, Inc. |
Primerica Financial Services |
Cadaret, Grant & Co, Inc |
PRUCO Securities LLC |
Centaurus Financial, Inc. |
Raymond James & Associates |
Edward D. Jones & Co., L.P |
Raymond James Financial |
Independent Financial Group |
SagePoint Financial, Inc. |
Lincoln Financial Advisors |
Securian Financial Services, Inc. |
MML Investors Services, LLC |
Securities America, Inc. |
Osaic Wealth, Inc. |
Woodbury Financial Services, Inc. |
Exhibit Number |
Description |
Location |
(a) |
Incorporated by reference to Post-Effective Amendment No. 5 and Amendment No. 7, File Nos. 033-85014 and 811-08810, filed on January 30, 1998, Accession No. 0000950148-98-000132. | |
(b) |
Custodian Agreements |
Not Applicable |
(c)(1) |
Incorporated by reference to Post-Effective Amendment No. 24 and Amendment No. 24, File Nos. 333-178841 and 811-08810, filed on April 25, 2019, Accession No. 0001193125-19-119350. | |
(c)(2) |
Incorporated by reference to Initial Registration Statement, File Nos. 333-178841 and 811-08810, filed on January 3, 2012, Accession No. 0000950123-11-104741. | |
(d)(1) |
Incorporated by reference to Post-Effective Amendment No. 3 and Amendment No. 3, File Nos. 333-178843 and 811-08810, filed on April 29, 2013, Accession No. 0000950123-13-002976. | |
(d)(2) |
Incorporated by reference to Initial Registration Statement, File Nos. 333-178841 and 811-08810, filed on January 3, 2012, Accession No. 0000950123-11-104741. | |
(d)(3) |
Incorporated by reference to Post-Effective Amendment No. 2 and Amendment No. 2, File Nos. 333-178843 and 811-08810, filed on April 30, 2012, Accession No. 0000950123-12-007278. | |
(d)(4) |
Incorporated by reference to Post-Effective Amendment No. 5 and Amendment No. 5, File Nos. 333-178841 and 811-03859, filed on April 29, 2013, Accession No. 000950123-13-002972. | |
(d)(5) |
Incorporated by reference to Post-Effective Amendment No. 5 and Amendment No. 5, File Nos. 333-178841 and 811-03859, filed on April 29, 2013, Accession No. 000950123-13-002972. | |
(d)(6) |
Incorporated by reference to Post-Effective Amendment No. 3 and Amendment No. 3, File Nos. 333-178843 and 811-08810, filed on April 29, 2013, Accession No. 0000950123-13-002976. | |
(d)(7) |
Incorporated by reference to Post-Effective Amendment No. 3 and Amendment No. 3, File Nos. 333-178843 and 811-08810, filed on April 29, 2013, Accession No. 0000950123-13-002976. | |
(d)(8) |
Incorporated by reference to Post-Effective Amendment No. 5 and Amendment No. 5, File Nos. 333-178841 and 811-03859, filed on April 29, 2013, Accession No. 000950123-13-002972. | |
(d)(9) |
Incorporated by reference to Post-Effective Amendment No. 9 and Amendment No. 9, File Nos. 333-178843 and 811-08810, filed on April 29, 2016, Accession No. 0001193125-16-569374. | |
(d)(10) |
Incorporated by reference to Post-Effective Amendment No. 10 and Amendment No. 10, File Nos. 333-178843 and 811-08810, filed on April 27, 2017, Accession No. 0001193125-17-139897. | |
(d)(11) |
Incorporated by reference to Post-Effective Amendment No. 16 and Amendment No. 16, File Nos. 333-178843 and 811-08810, filed on September 5, 2018, Accession No. 0001193125-18-267279. | |
(d)(12) |
Incorporated by reference to Post-Effective Amendment No. 17 and Amendment No. 17, File Nos. 333-178843 and 811-08810, filed on April 27, 2017, Accession No. 0001193125-19-122180. |
Exhibit Number |
Description |
Location |
(d)(13) |
Incorporated by reference to Post-Effective Amendment No. 17 and Amendment No. 17, File Nos. 333-178843 and 811-08810, filed on April 27, 2017, Accession No. 0001193125-19-122180. | |
(d)(14) |
Incorporated by reference to Post-Effective Amendment No. 17 and Amendment No. 17, File Nos. 333-178843 and 811-08810, filed on April 27, 2017, Accession No. 0001193125-19-122180. | |
(d)(15) |
Incorporated by reference to Initial Registration Statement, File Nos. 333-178843 and 811-08810, filed on April 27, 2022, Accession No. 0001193125-22-123141. | |
(d)(16) |
Incorporated by reference to Initial Registration Statement, File Nos. 333-178843 and 811-08810, filed on April 27, 2022, Accession No. 0001193125-22-123141. | |
(d)(17) |
Incorporated by reference to Pre-Effective Amendment No. 3 and Amendment No. 3, File Nos. 333-213339 and 811-08810, filed on December 14, 2016, Accession No. 0001193125-16-793057. | |
(d)(18) |
Incorporated by reference to Pre-Effective Amendment No. 3 and Amendment No. 3, File Nos. 333-213339 and 811-08810, filed on December 14, 2016, Accession No. 0001193125-16-793057. | |
(d)(19) |
Incorporated by reference to Pre-Effective Amendment No. 3 and Amendment No. 3, File Nos. 333-213339 and 811-08810, filed on December 14, 2016, Accession No. 0001193125-16-793057. | |
(e)(1) |
Incorporated by reference to Post-Effective Amendment No. 3 and Amendment No. 3, File Nos. 333-178843 and 811-08810, filed on April 29, 2013, Accession No. 0000950123-13-002976. | |
(e)(2) |
Incorporated by reference to Post-Effective Amendment No. 8 and Amendment No. 8, File Nos. 333-178843 and 811-08810, filed on December 28, 2015, Accession No. 0001193125-15-414603. | |
(e)(3) |
Incorporated by reference to Post-Effective Amendment No. 20 and Amendment No. 20, File Nos. 333-178843 and 811-08810, filed on April 29, 2021, Accession No. 0001193125-21-137623. | |
(f) |
Corporate Documents of Depositor |
|
(f)(1) |
Incorporated by reference to Post-Effective Amendment 1 and Amendment No. 2, File Nos. 333-171493 and 811-04865-01, filed on May 2, 2011, Accession No. 0001193125-11-120900. | |
(g) |
Reinsurance Contract |
Not Applicable |
(h) |
Participation Agreements |
|
(h)(1) |
Incorporated by reference to Post-Effective Amendment No. 5 and Amendment No. 7, File Nos. 033-85014 and 811-08810, filed on January 30, 1998, Accession No. 0000950148-98-000132. | |
(h)(2) |
Incorporated by reference to Pre-Effective Amendment 1 and Amendment No. 1, File Nos. 333-118218 and 811-08369, filed on December 10, 2004, Accession No. 0001193125-04-210437. | |
(h)(3) |
Incorporated by reference to Post-Effective Amendment No. 5 and Amendment No. 7, File Nos. 033-85014 and 811-08810, filed on January 30, 1998, Accession No. 0000950148-98-000132. | |
(h)(4) |
Incorporated by reference to Post-Effective Amendment No. 4 and Amendment No. 7, File Nos. 333-146491 and 811-08810, filed on August 26, 2010, Accession No. 0000950123-10-081251. |
Exhibit Number |
Description |
Location |
(h)(5) |
Incorporated by reference to Post-Effective Amendment No. 18 and Amendment No. 20, File Nos. 033-85014 and 811-08810, filed on November 27, 2002, Accession No. 0000950148-02-002786. | |
(h)(5)(a) |
Incorporated by reference to Pre-Effective Amendment No. 1 and Amendment No. 1, File Nos. 333-198224 and 811-08810, filed on November 3, 2014, Accession No. 0000959123-14-010829. | |
(h)(6) |
Incorporated by reference to Post-Effective Amendment No. 1 and Amendment No. 4, File Nos. 333-146429 and 811-08810, filed on April 28, 2008, Accession No. 0000950148-08-000097. | |
(h)(6)(a) |
Incorporated by reference to Initial Registration Statement, File Nos. 333-178841 and 811-08810, filed on January 3, 2012, Accession No. 0000950123-11-104741. | |
(h)(6)(b) |
Incorporated by reference to Post-Effective Amendment No. 7 and Amendment No. 7, File Nos. 333-178843 and 811-08810, filed on October 5, 2015, Accession No. 0001193125-15-337551. | |
(h)(7) |
Incorporated by reference to Post-Effective Amendment No. 18 and Amendment No. 20, File Nos. 033-85014 and 811-08810, filed on November 27, 2002, Accession No. 0000950148-02-002786. | |
(h)(8) |
Incorporated by reference to Post-Effective Amendment No. 10 to Form N-6 Registration Statement, File No. 333-48457, filed on May 2, 2005, Accession No. 0001193125-05-091912. | |
(h)(9) |
Incorporated by reference to Post-Effective Amendment No. 11 and Amendment No. 11, File Nos. 333-178841 and 811-08810, filed on April 29, 2016, Accession No. 0001193125-16-568259. | |
(h)(10) |
Incorporated by reference to Initial Registration Statement, File Nos. 333-178841 and 811-08810, filed on January 3, 2012, Accession No. 0000950123-11-104741. | |
(h)(11) |
Incorporated by reference to Post-Effective Amendment No. 2 to Form S-6 Registration Statement, File No. 333-80191, filed on September 20, 2000, Accession No. 0000899243-00-002107. | |
(h)(12) |
Incorporated by reference to Pre-Effective Amendment No. 1 and Amendment No. 1, File Nos. 333-198223 and 811-03859, filed on November 3, 2014, Accession No. 0000950123-14-010828. | |
(i) |
Administrative Contracts |
Not Applicable |
(j) |
Other Material Contracts |
|
(j)(1) |
Incorporated by reference to Post-Effective Amendment No. 7 and Amendment No. 7, File Nos. 333-178845 and 811-08820, filed on April 29, 2014, Accession No. 0000950123-14-004354. | |
(j)(2) |
Incorporated by reference to Initial Registration Statement, File Nos. 333-178841 and 811-08810, filed on January 3, 2012, Accession No. 0000950123-11-104741. | |
(j)(3) |
Incorporated by reference to Post-Effective Amendment No. 6 and Amendment No. 6, File Nos. 333-178843 and 811-08810, filed on April 29, 2015, Accession No. 0001193125-15-156381. | |
(k) |
Incorporated by reference to Initial Registration Statement, File Nos. 333-178843 and 811-08810, filed on January 3, 2012, Accession No. 0000950123-11-104745. | |
(l) |
Filed Herewith | |
(m) |
Financial Statements Omitted |
None |
Exhibit Number |
Description |
Location |
(n) |
Initial Capital Agreement |
Not Applicable |
(o) |
Form of Initial Summary Prospectus |
Not Applicable |
(p) |
Filed Herewith | |
101. |
Inline Interactive Data File – the instance document does not appear in the Interactive Data File because its iXBRL tags are embedded within the Inline XBRL document. |
Filed Herewith |
Names Positions and Offices Held with Depositor |
|
Christopher B. Smith (8) |
Director, Chairman of the Board and President |
Christopher P. Filiaggi (8) |
Director, Senior Vice President and Chief Financial Officer |
Timothy M. Heslin |
Director, President, Life US |
Lisa M. Longino (8) |
Director, Executive Vice President and Chief Investment Officer |
Jonathan J. Novak (1) |
Director, President, Institutional Markets |
Bryan A. Pinsky (2) |
Director, President, Individual Retirement |
William J. Carr |
Director |
Glen D. Keller |
Director |
Sandra M. McDermott |
Director |
John P. Byrne (3) |
President, Financial Distributor |
Terri N. Fiedler (3) |
President, Group Retirement |
Steven D. (“Doug”) Caldwell, Jr. |
Executive Vice President and Chief Risk Officer |
David Ditillo (6) |
Executive Vice President and Chief Information Officer |
Elizabeth B. Cropper (8) |
Executive Vice President and Chief Human Resources Officer |
Emily W. Gingrich |
Senior Vice President, Chief Actuary and Corporate Illustration Actuary |
Frank A. Kophamel (4) |
Senior Vice President, Deputy Chief Actuary and Appointed Actuary |
Christopher V. Muchmore (2) |
Senior Vice President, Chief Financial Officer, Individual Retirement |
Sai P. Raman (7) |
Senior Vice President, Institutional Markets |
Eric G. Tarnow |
Senior Vice President, Life Products |
Mallary L. Reznik (2) |
Senior Vice President, General Counsel and Assistant Secretary |
Nikil Kannan |
Senior Vice President and Deputy Investment Officer |
Farhad Mian (8) |
Senior Vice President and Deputy Investment Officer |
Christina M. Haley (2) |
Senior Vice President, Product Filing |
Brigitte K. Lenz |
Vice President and Controller |
Jennifer A. Roth (2) |
Vice President and Chief Compliance Officer, and 38a-1 Compliance Officer |
Justin J. W. Caulfield |
Vice President and Treasurer |
Julie Cotton Hearne (3) |
Vice President and Corporate Secretary |
Lloyd J. Bellow |
Vice President and Tax Officer |
Margaret Chih |
Vice President and Tax Officer |
Daniel R. Cricks (4) |
Vice President and Tax Officer |
Stephen G. Lunanuova |
Vice President and Tax Officer |
Valerie J. Vetters |
Vice President and Tax Officer |
Leo W. Grace (4) |
Vice President, Product Filing |
Preston L. Schnoor (2) |
Vice President, Product Filing |
Aimy T. Tran (2) |
Vice President, Product Filing |
Michelle D. Campion (4) |
Vice President |
Names Positions and Offices Held with Depositor |
|
Jeffrey S. Flinn (5) |
Vice President |
Christopher J. Hobson (5) |
Vice President |
Jennifer N. Miller |
Vice President |
Marjorie D. Brothers (3) |
Assistant Secretary |
Rosemary Foster (3) |
Assistant Secretary |
Virginia N. Puzon (2) |
Assistant Secretary |
Angela G. Bates |
Anti-Money Laundering and Economic Sanctions Compliance Officer |
Grace D. Harvey |
Illustration Actuary |
Kenneth R. Kiefer (9) |
Head of Structured Settlements |
Michael F. Mulligan (1) |
Head of International Pension Risk Transfer |
Ethan D. Bronsnick (8) |
Head of U.S. Pension Risk Transfer |
Aileen V. Apuy |
Assistant Manager, State Filings |
Melissa H. Cozart (3) |
Privacy Officer |
Officer/Directors* |
Position |
Christina Nasta |
Director, Chairman and President |
Eric Taylor |
Director |
Frank Curran |
Vice President, Chief Financial Officer, Chief Operating Officer, Treasurer and Controller |
Daniel R. Cricks(1) |
Vice President and Tax Officer |
Julie A. Cotton Hearne(2) |
Vice President and Secretary |
Michael Fortey(2) |
Chief Compliance Officer |
John T. Genoy |
Vice President |
Mallary L. Reznik(3) |
Vice President |
Margaret Chih |
Tax Officer |
Valerie Vetters |
Tax Officer |
Rosemary Foster(2) |
Assistant Secretary |
Virginia N. Puzon(3) |
Assistant Secretary |
Signature |
Title |
Date |
*CHRISTOPHER B. SMITH CHRISTOPHER B. SMITH |
Director, Chairman of the Board, and President (Principal Executive Officer) |
April 23, 2024 |
| ||
*CHRISTOPHER P. FILIAGGI CHRISTOPHER P. FILIAGGI |
Director, Senior Vice President, and Chief Financial Officer (Principal Financial Officer) (Principal Accounting Officer) |
April 23, 2024 |
| ||
*WILLIAM J. CARR WILLIAM J. CARR |
Director |
April 23, 2024 |
| ||
*TIMOTHY M. HESLIN TIMOTHY M. HESLIN |
Director |
April 23, 2024 |
| ||
*GLEN D. KELLER GLEN D. KELLER |
Director |
April 23, 2024 |
| ||
*LISA M. LONGINO LISA M. LONGINO |
Director |
April 23, 2024 |
| ||
*JONATHAN J. NOVAK JONATHAN J. NOVAK |
Director |
April 23, 2024 |
| ||
*BRYAN A. PINSKY BRYAN A. PINSKY |
Director |
April 23, 2024 |
| ||
*SANDRA M. MCDERMOTT SANDRA M. MCDERMOTT |
Director |
April 23, 2024 |
| ||
*BY: /s/ TRINA SANDOVAL TRINA SANDOVAL Attorney-in-Fact pursuant to Powers of Attorney filed previously and/or herewith. |
|
April 23, 2024 |