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Pre-Effective Amendment No. |
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Post-Effective Amendment No. 21 |
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Amendment No. 21 |
[X] |
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G-1 | |
H-1 | |
I-1 |
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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the withdrawal up to the annual penalty-free withdrawal amount which equals 10% of your Purchase Payments not yet withdrawn. If you withdraw money from your contract within you may be assessed a withdrawal charge of up to Payment withdrawn. 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 8%. |
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 data 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 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 |
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RISKS |
Location in Prospectus | ||
Risk of Loss |
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Principal Risks of Investing in the Contract |
Not a Short-Term Investment |
• | |||
Risks Associated with Investment Options |
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Insurance Company Risks |
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RESTRICTIONS |
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Investments |
• |
Investment Options | ||
Optional Benefits |
• |
Optional Living Benefit Death Benefits | ||
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TAXES |
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Tax Implications |
• |
Taxes |
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CONFLICTS OF INTEREST |
Location in Prospectus | ||
Investment Professional Compensation |
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Payments in Connection with Distribution of the Contract | ||
Exchanges |
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Maximum Withdrawal Charges (as a percentage of each Purchase Payment) |
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Transfer Fee1 (Per transfer after 15 transfers in any contract year) |
$ |
Years Since Receipt of Purchase Payments |
1 |
2 |
3 |
4 |
5 |
6+ |
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8% |
7% |
6% |
5% |
4% |
0% |
Contract Maintenance Fee (assessed annually and may be waived if contract value is $75,000 or more.) |
$ |
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Contract Years 1-5 |
After 5th Contract Anniversary |
Base Contract Expenses2 (deducted from the average daily ending net asset value allocated to the Variable Portfolios) |
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Maximum Anniversary Value |
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Maximum Fee4 |
One Covered Person |
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Two Covered Persons |
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Minimum |
Maximum |
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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 Charges (as a percentage of each Purchase Payment) |
8% |
Transfer Fee1 (Per transfer after 15 transfers in any contract year) |
$25 |
Years Since Receipt of Purchase Payments |
1 |
2 |
3 |
4 |
5 |
6+ |
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8% |
7% |
6% |
5% |
4% |
0% |
Contract Maintenance Fee (assessed annually and may be waived if contract value is $75,000 or more.) |
$50 |
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Contract Years 1-5 |
After 5th Contract Anniversary |
Base Contract Expenses2 (deducted from the average daily ending net asset value allocated to the Variable Portfolios) |
1.55% |
1.30% |
Maximum Anniversary Value |
0.25% |
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Initial Fee4 |
Maximum Fee4 |
One Covered Person |
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Two Covered Persons |
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Initial Fee4 |
Maximum Fee4 |
One Covered Person |
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Two Covered Persons |
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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% |
1.89% |
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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% |
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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 |
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Minimum Initial Purchase Payment |
Minimum Subsequent Purchase Payment |
Minimum Automatic Subsequent Purchase Payment |
Qualified(1) |
$4,000 |
$500 |
$100 |
Non-Qualified(1) |
$10,000 |
$500 |
$100 |
American General Life Insurance Company Premium Processing Center P.O. Box 100330 Pasadena, CA 91189-0330 |
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US Life (New York contracts only) Premium Processing Center P.O. Box 100357 Pasadena, CA 91189-0357 |
For American General Life Insurance Company: JPM Chase-AGL 100330 Premium Processing Center 2710 Media Center Drive Building #6, Suite 120 Los Angeles, CA 90065-1750 |
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For US Life (New York contracts only): 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 |
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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 Plus? 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) |
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Name of Benefit |
Purpose |
Maximum Fee |
Brief Description of Restrictions/Limitations |
Polaris Income Plus Living Benefit (For contracts issued prior to Oct 9, 2017) (Formerly SunAmerica Income Plus) |
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 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 •Fee may be deducted pro rata from variable portfolios only in certain states. Please see APPENDIX E – STATE CONTRACT AVAILABILITY AND/OR VARIABILITY for specific states |
Income Credit Percentage (as a percentage of the Income Credit Base) |
Income Credit Availability |
The applicable Income Credit Percentage is provided in the Rate Sheet Supplement |
Available during the first 12 Benefit Years — the Income Credit is reduced in years withdrawals are taken |
Minimum Income Base Period (if no withdrawal are taken prior to the Benefit Year Anniversary) |
Minimum Income Base Percentage (as a Percentage of the 1st Benefit Year’s Purchase Payments) |
12th Benefit Year Anniversary |
200% |
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% |
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Covered Person | |
Minimum Age |
Maximum Age | |
One Owner |
45 |
80 |
Joint Owners(1) |
45 |
80 |
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Covered Person #1 |
Covered Person #2 | ||
Minimum Age |
Maximum Age |
Minimum Age |
Maximum Age | |
Non-Qualified: Joint Owners(2) |
45 |
80 |
45 |
85 |
Non-Qualified: One Owner with Spousal Beneficiary |
45 |
80 |
45 |
N/A(3) |
Qualified: One Owner with Spousal Beneficiary |
45 |
80 |
45 |
N/A(3) |
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 |
1.55% |
Years Since Purchase Payment Receipt |
1 |
2 |
3 |
4 |
5 |
6+ |
Withdrawal Charge |
8% |
7% |
6% |
5% |
4% |
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% |
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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 |
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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 | |||
Bond (continued) |
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- |
- |
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Shares |
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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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N/A |
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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 PIMCO Total Return SA American Century Inflation Protection SA American Funds VCP Managed Allocation* SA BlackRock VCP Global Multi Asset Allocation* SA Federated Hermes Corporate Bond SA Fixed Income Index SA Fixed Income Intermediate Index SA JPMorgan MFS Core Bond SA JPMorgan Ultra-Short Bond SA PIMCO Global Bond Opportunities SA PIMCO VCP Tactical Balanced* SA Schroders VCP Global Allocation* 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. |
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 PIMCO Total Return SA American Century Inflation Protection SA American Funds VCP Managed Allocation* SA BlackRock VCP Global Multi Asset Allocation* SA Federated Hermes Corporate Bond SA Fixed Income Index SA Fixed Income Intermediate Index SA JPMorgan MFS Core Bond SA JPMorgan Ultra-Short Bond SA PIMCO Global Bond Opportunities SA PIMCO VCP Tactical Balanced* SA Schroders VCP Global Allocation* 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. |
20% Secure Value Account |
80% 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 American Funds VCP Managed Allocation* SA BlackRock VCP Global Multi Asset* SA Federated Hermes Corporate Bond SA Fixed Income Index SA Fixed Income Intermediate Index SA JPMorgan MFS Core Bond SA JPMorgan Ultra-Short Bond SA PIMCO Global Bond Opportunities SA PIMCO VCP Tactical Balanced* SA Schroders VCP Global Allocation* 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. |
20% Secure Value Account |
80% in one or more of the following Variable Portfolios: SA American Century Inflation Protection SA American Funds VCP Managed Allocation* SA BlackRock VCP Global Multi Asset* SA Federated Hermes Corporate Bond SA Fixed Income Index SA Fixed Income Intermediate Index SA JPMorgan MFS Core Bond SA JPMorgan Ultra-Short Bond SA PIMCO Global Bond Opportunities SA PIMCO VCP Tactical Balanced* SA Schroders VCP Global Allocation* 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 |
Check-The-Box Option 1 |
90% in one of the three available Allocations*: Allocation 1, 2 or 3 *Please see POLARIS PORTFOLIO ALLOCATOR PROGRAM AND 50%-50% COMBINATION MODEL PROGRAM FOR CONTRACTS ISSUED PRIOR TO FEBRUARY 6, 2017 later in this Appendix for the allocations for the formerly available Polaris Portfolio Allocator Models. |
Check-The-Box Option 2 |
90% in one or more of the following Variable Portfolios: Franklin Income VIP Fund SA Allocation Balanced SA Allocation Moderate SA Allocation Moderate Growth SA American Funds Asset Allocation SA JPMorgan Diversified Balanced SA MFS Total Return SA VCP Dynamic Allocation SA VCP Dynamic Strategy |
Check-The-Box Option 3 |
90% in the SA JPMorgan Ultra-Short Bond |
Investment Group |
Investment Requirement |
Variable Portfolios and/or DCA Fixed Accounts |
A. Bond, Cash and DCA Fixed Accounts |
Minimum 20% Maximum 90% |
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 |
Investment Group |
Investment Requirement |
Variable Portfolios and/or DCA Fixed Accounts |
B. Equity** |
Minimum 0% Maximum 70% |
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 SA AB Growth SA AB Small & Mid Cap Value SA Allocation Balanced SA Allocation Growth SA Allocation Moderate SA Allocation Moderate Growth SA American Funds Asset Allocation SA American Funds Global Growth SA American Funds Growth SA American Funds Growth-Income 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 VCP Dynamic Strategy SA Wellington Capital Appreciation |
C. Limited Equity |
Minimum 0% Maximum 10% |
SA American Funds VCP Managed Allocation SA Fidelity Institutional AM Real Estate SA Franklin Small Company Value SA Invesco Growth Opportunities SA JPMorgan Emerging Markets |
Check-the-Box Option 1 |
90% in one of the three available Allocations*: Allocation 1, 2 or 3 *Please see POLARIS PORTFOLIO ALLOCATOR PROGRAM AND 50%-50% COMBINATION MODEL PROGRAM FOR CONTRACTS ISSUED PRIOR TO FEBRUARY 6, 2017 later in this Appendix for the allocations for the formerly available Polaris Portfolio Allocator Models. |
Check-the-Box Option 2 |
90% in one or more of the following Variable Portfolios: Franklin Income VIP Fund SA Allocation Balanced SA Allocation Moderate SA Allocation Moderate Growth SA American Funds Asset Allocation SA JPMorgan Diversified Balanced SA MFS Total Return SA VCP Dynamic Allocation SA VCP Dynamic Strategy |
Check-the-Box Option 3 |
90% in the SA JPMorgan Ultra-Short Bond |
Investment Group |
Investment Requirement |
Variable Portfolios and/or DCA Fixed Accounts |
A. Bond, Cash and DCA Fixed Accounts |
Minimum 20% Maximum 90% |
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 |
Investment Group |
Investment Requirement |
Variable Portfolios and/or DCA Fixed Accounts |
B. Equity** |
Minimum 0% Maximum 70% |
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 SA AB Growth SA AB Small & Mid Cap Value SA Allocation Balanced SA Allocation Growth SA Allocation Moderate SA Allocation Moderate Growth SA American Funds Asset Allocation SA American Funds Global Growth SA American Funds Growth SA American Funds Growth-Income 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 VCP Dynamic Strategy SA Wellington Capital Appreciation |
C. Limited Equity |
Minimum 0% Maximum 10% |
SA American Funds VCP Managed Allocation SA Fidelity Institutional AM Real Estate SA Franklin Small Company Value SA Invesco Growth Opportunities SA JPMorgan Emerging Markets |
Variable Portfolios |
Allocation 1 |
Allocation 2 |
Allocation 3 |
Allocation 4 |
Invesco V.I. Comstock Fund |
5.00% |
5.00% |
6.00% |
8.00% |
Invesco V.I. Growth and Income Fund |
6.00% |
7.00% |
8.00% |
8.00% |
SA AB Growth |
3.00% |
4.00% |
4.00% |
6.00% |
SA AB Small & Mid Cap Value |
1.00% |
1.00% |
1.00% |
2.00% |
SA American Century Inflation Protection |
5.00% |
3.00% |
2.00% |
0.00% |
SA American Funds Global Growth |
2.00% |
3.00% |
4.00% |
6.00% |
SA American Funds Growth-Income |
0.00% |
0.00% |
1.00% |
4.00% |
SA Federated Hermes Corporate Bond |
10.00% |
8.00% |
7.00% |
1.00% |
SA Fidelity Institutional AM® Real Estate |
0.00% |
0.00% |
0.00% |
1.00% |
SA Franklin BW U.S. Large Cap Value |
4.00% |
4.00% |
4.00% |
5.00% |
SA Franklin Small Company Value |
0.00% |
2.00% |
2.00% |
1.00% |
SA Franklin Systematic U.S. Large Cap Value |
3.00% |
3.00% |
3.00% |
5.00% |
SA Janus Focused Growth |
0.00% |
1.00% |
1.00% |
2.00% |
SA JPMorgan Emerging Markets |
0.00% |
1.00% |
2.00% |
2.00% |
SA JPMorgan Equity-Income |
6.00% |
7.00% |
8.00% |
8.00% |
SA JPMorgan Large Cap Core |
3.00% |
4.00% |
4.00% |
6.00% |
SA JPMorgan MFS Core Bond |
17.00% |
13.00% |
10.00% |
5.00% |
SA JPMorgan Ultra-Short Bond |
2.00% |
1.00% |
0.00% |
0.00% |
SA MFS Blue Chip Growth |
2.00% |
3.00% |
4.00% |
4.00% |
SA MFS Massachusetts Investors Trust |
6.00% |
6.00% |
7.00% |
8.00% |
SA Morgan Stanley International Equities |
3.00% |
3.00% |
4.00% |
5.00% |
SA PIMCO Global Bond Opportunities |
4.00% |
4.00% |
2.00% |
2.00% |
SA PIMCO RAE International Value |
3.00% |
3.00% |
3.00% |
4.00% |
SA PineBridge High-Yield Bond |
4.00% |
3.00% |
2.00% |
0.00% |
SA Wellington Capital Appreciation |
3.00% |
3.00% |
4.00% |
5.00% |
SA Wellington Government and Quality Bond |
8.00% |
8.00% |
7.00% |
2.00% |
Total |
100% |
100% |
100% |
100% |
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% |
Benefit Quarter |
Quarterly Average (Daily VIX2) |
Calculated Formula Value* |
Annual Fee Rate |
Quarterly Fee Rate** |
1st |
525.71 |
N/A |
1.00% |
0.2500% |
2nd |
412.12 |
N/A |
1.00% |
0.2500% |
3rd |
770.25 |
N/A |
1.00% |
0.2500% |
4th |
573.97 |
N/A |
1.00% |
0.2500% |
5th |
204.42 |
0.81% |
0.81% |
0.2025% |
Benefit Quarter |
Quarterly Average (Daily VIX2) |
Calculated Formula Value |
Annual Fee Rate |
Quarterly Fee Rate |
6th |
351.93 |
1.03% |
1.03% |
0.2575% |
7th |
307.03 |
0.97% |
0.97% |
0.2425% |
8th |
602.30 |
1.41% |
1.37% |
0.3425% |
9th |
698.25 |
1.56% |
1.56% |
0.3900% |
10th |
323.74 |
0.99% |
1.16% |
0.2900% |
11th |
398.72 |
1.10% |
1.10% |
0.2750% |
12th |
261.37 |
0.90% |
0.90% |
0.2250% |
13th |
281.15 |
0.93% |
0.93% |
0.2325% |
14th |
151.32 |
0.73% |
0.73% |
0.1825% |
15th |
52.63 |
0.58% |
0.60% |
0.1500% |
16th |
207.38 |
0.81% |
0.81% |
0.2025% |
Values as of |
Purchase Payments Invested |
Contract Value |
Income Base |
Income Credit Base |
Maximum Annual Withdrawal Amount |
Benefit Effective Date |
$100,000 |
$100,000 |
$100,000 |
$100,000 |
$6,000 |
Values as of |
Purchase Payment Invested |
Assumed Contract Value |
Anniversary Value |
Income Base |
Income Credit Base |
Income Credit |
Maximum Annual Withdrawal Amount |
Benefit Effective Date |
$100,000 |
$100,000 |
— |
$100,000 |
$100,000 |
— |
$6,000 |
Year 1 |
$150,000 |
$245,000 |
— |
$250,000 |
$250,000 |
— |
$15,000 |
1st Anniversary |
— |
$270,000 |
$270,000 |
$270,000 |
$270,000 |
$13,125 |
$16,200 |
2nd Anniversary |
— |
$287,000 |
$287,000 |
$287,000 |
$287,000 |
$14,175 |
$17,220 |
3rd Anniversary |
— |
$310,000 |
$310,000 |
$310,000 |
$310,000 |
$15,068 |
$18,600 |
Values as of |
Withdrawal Taken |
Assumed Contract Value |
Anniversary Value |
Income Base |
Income Credit Base |
Income Credit |
Maximum Annual Withdrawal Amount |
3rd Anniversary |
— |
$310,000 |
$310,000 |
$310,000 |
$310,000 |
$15,068 |
$18,600 |
Year 4 |
$15,500 |
$312,000 |
— |
$310,000 |
$310,000 |
— |
$18,600 |
4th Anniversary |
— |
$310,000 |
$310,000 |
$310,775 |
$310,000 |
$775 |
$18,647 |
Year 5 |
$15,539 |
$302,000 |
— |
$310,775 |
$310,000 |
— |
$18,647 |
5th Anniversary |
— |
$305,000 |
$305,000 |
$310,550 |
$310,000 |
$775 |
$18,693 |
Values as of |
Withdrawal Taken |
Assumed Contract Value |
Anniversary Value |
Income Base |
Income Credit Base |
Income Credit |
Maximum Annual Withdrawal Amount |
5th Anniversary |
— |
$305,000 |
$305,000 |
$311,550 |
$310,000 |
$775 |
$18,693 |
Year 6 |
$24,924 |
$280,000 |
— |
$304,770 |
$303,253 |
— |
$18,286 |
6th Anniversary |
— |
$290,000 |
$290,000 |
$304,770 |
$303,253 |
$0 |
$18,286 |
Year 7 |
$24,382 |
$260,000 |
— |
$297,933 |
$296,451 |
— |
$17,876 |
7th Anniversary |
— |
$230,000 |
$230,000 |
$297,933 |
$296,451 |
$0 |
$17,876 |
Values as of |
Assumed Contract Value |
Anniversary Value |
Income Base |
Income Credit Base |
Income Credit |
Maximum Annual Withdrawal Amount |
Protected Income Payment |
7th Anniversary |
$230,000 |
$230,000 |
$297,933 |
$296,451 |
$0 |
$17,876 |
— |
8th Anniversary |
$150,000 |
$150,000 |
$313,496 |
$296,451 |
$15,564 |
$18,810 |
— |
9th Anniversary |
$100,000 |
$100,000 |
$329,060 |
$296,451 |
$15,564 |
$19,744 |
— |
10th Anniversary |
$50,000 |
$50,000 |
$344,624 |
$296,451 |
$15,564 |
$20,677 |
— |
Year 11 |
$0 |
$0 |
$344,624 |
$296,451 |
— |
$20,677 |
— |
11th Anniversary |
$0 |
$0 |
$344,624 |
$296,451 |
— |
— |
$13,785 |
PROSPECTUS PROVISION |
AVAILABILITY OR VARIATION |
ISSUE STATE |
Administration Charge |
Contract Maintenance Fee is $30. |
New Mexico |
Administration Charge |
Charge will be deducted pro-rata from Variable Portfolios only. |
New York Oregon Texas Washington |
Annuity Date |
You may switch to the Income Phase any time after your first contract anniversary. |
Florida |
Annuity Date |
You may begin the Income Phase any time 13 or more months after contract issue. |
New York |
Free Look |
If you are age 65 or older on the contract issue date, the Free Look period is 30 days. |
Arizona |
Free Look |
If you are age 60 or older on the contract issue date: The Free Look period is 30 days; and If you invest in the Money Market Portfolio, the Free Look amount is calculated as the Purchase Payments paid; or If you invest in Variable Portfolio(s), the Free Look amount is calculated as the greater of (1) Purchase Payments or (2) the value of your contract plus any fees paid on the day we received your request in Good Order at the Annuity Service Center. If you are younger than age 60 on the contract issue date, the Free Look amount is calculated as the value of your contract plus fees and charges on the day we received your request in Good Order at the Annuity Service Center. |
California |
Free Look |
The Free Look period is 21 days and the amount is calculated as the value of your contract plus fees and charges on the day we receive your request in Good Order at the Annuity Service Center |
Florida |
Free Look |
The Free Look period is 20 days. |
Idaho North Dakota Rhode Island Texas |
Free Look |
The Free Look amount is calculated as the value of your contract plus fees and charges on the day we received your request in Good Order at the Annuity Service Center |
Michigan Minnesota Missouri Texas |
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 plus fees and charges on the day we receive your request in Good Order at the Annuity Service Center. |
Arkansas New York |
Joint Ownership |
Benefits and Features to be made available to Domestic Partners. |
California District of Columbia Maine Nevada Oregon Washington Wisconsin |
Joint Ownership |
Benefits and Features to be made available to Civil Union Partners. |
California Colorado Hawaii Illinois New Jersey Rhode Island |
Minimum Contract Value |
The minimum remaining contract value after a partial withdrawal must be $2,000. |
New York Texas |
Nursing Home Waiver |
The Nursing Home Waiver is not available for contracts purchased on or after May 1, 2014. |
California |
Nursing Home Waiver |
The Nursing Home waiver is not available for contracts purchased on or after February 6, 2017. |
Connecticut Massachusetts Pennsylvania |
Nursing Home Waiver |
The Nursing Home waiver is not available for contracts purchased on or after May 1, 2017. |
Missouri |
Purchase Payment Age Limit |
The Purchase Payment Age Limit is the later of two years after contract issue or the Owner’s 62nd birthday for contracts issued November 14, 2011 through August 2, 2015. The Purchase Payment Age limit is not applicable to contracts issued on or after August 3, 2015. |
Washington |
Polaris Income Plus |
Charge will be deducted pro-rata from Variable Portfolios only. * for contracts issued on or after January 23, 2017 |
Missouri* New York Oregon Texas Washington |
PROSPECTUS PROVISION |
AVAILABILITY OR VARIATION |
ISSUE STATE |
Transfer Privilege |
Any transfer over the limit of 15 will incur a $10 transfer fee. |
Pennsylvania Texas |
Polaris Income Plus* |
F-1 |
Polaris Income Plus* Fee |
F-8 |
Additional Important Information Applicable to Polaris Income Plus* |
F-9 |
|
|
First Contract Year |
Subsequent Contract Years |
100% of Purchase Payments received |
Only Purchase Payments received in First Contract Year are considered Eligible Purchase Payments |
First Contract Year |
Subsequent Contract Years |
100% of Purchase Payments received |
Only 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 |
Only Purchase Payments received in Contract Years 2-5, capped at 200% of Purchase Payments received in first Contract Year |
Income Credit Percentage (as a percentage of the Income Credit Base) |
Income Credit Availability |
5.25% |
Available during the first 12 Benefit Years — the Income Credit is reduced in years withdrawals are taken |
Income Credit Percentage (as a percentage of the Income Credit Base) |
Income Credit Availability |
6% |
Available during the first 12 Benefit Years — the Income Credit is reduced in years withdrawals are taken |
Income Credit Percentage (as a percentage of the Income Credit Base) |
Income Credit Availability |
5.5% |
Available during the first 12 Benefit Years — the Income Credit is reduced in years withdrawals are taken |
Income Credit Percentage (as a percentage of the Income Credit Base) |
Income Credit Availability |
6% |
Available during the first 12 Benefit Years — the Income Credit is reduced in years withdrawals are taken |
Minimum Income Base Period (if no withdrawal are taken prior to the Benefit Year Anniversary) |
Minimum Income Base Percentage (as a Percentage of the 1st Benefit Year’s Purchase Payments) |
12th Benefit Year Anniversary |
200% |
Number of Covered Person and Age of Covered Person at First Withdrawal* |
Polaris Income Plus Income Option with Dynamic Allocation |
One Covered Person (Age 45 - 59) |
3.50% / 3.00%** |
One Covered Person (Age 60 - 64) |
4.50% / 3.00%** |
One Covered Person (Age 65 - 71) |
6.00% / 4.00% |
One Covered Person (Age 72 and Older) |
6.50% / 4.00% |
Two Covered Persons (Age 45 - 59) |
3.00% / 3.00%*** |
Two Covered Persons (Age 60 - 64) |
4.00% / 3.00%*** |
Two Covered Persons (Age 65 - 71) |
5.50% / 4.00% |
Two Covered Persons (Age 72 and Older) |
6.00% / 4.00% |
Number of Covered Person and Age of Covered Person at First Withdrawal* |
Polaris Income Plus Income Option with Dynamic Allocation |
One Covered Person (Age 45 - 59) |
4.00% / 3.00%** |
One Covered Person (Age 60 - 64) |
5.00% / 3.00%** |
One Covered Person (Age 65 - 71) |
6.50% / 4.00% |
One Covered Person (Age 72 and Older) |
7.00% / 4.00% |
Two Covered Persons (Age 45 - 59) |
3.50% / 3.00%*** |
Two Covered Persons (Age 60 - 64) |
4.50% / 3.00%*** |
Two Covered Persons (Age 65 - 71) |
6.00% / 4.00% |
Two Covered Persons (Age 72 and Older) |
6.50% / 4.00% |
Number of Covered Person and Age of Covered Person at First Withdrawal* |
Polaris Income Plus Income Option with Dynamic Allocation |
One Covered Person (Age 45 - 59) |
4.50% / 3.00%** |
One Covered Person (Age 60 - 64) |
5.50% / 3.00%** |
One Covered Person (Age 65 - 71) |
6.50% / 4.50% |
One Covered Person (Age 72 and Older) |
7.00% / 4.50% |
Two Covered Persons (Age 45 - 59) |
3.50% / 3.00%*** |
Two Covered Persons (Age 60 - 64) |
4.50% / 3.00%*** |
Two Covered Persons (Age 65 - 71) |
6.00% / 4.50% |
Two Covered Persons (Age 72 and Older) |
6.50% / 4.50% |
Number of Covered Person and Age of Covered Person at First Withdrawal* |
Polaris Income Plus Income Option with Dynamic Allocation |
One Covered Person (Age 45 - 59) |
4.00% / 3.00%** |
One Covered Person (Age 60 - 64) |
5.00% / 3.00%** |
One Covered Person (Age 65 - 71) |
6.50% / 4.00% |
One Covered Person (Age 72 and Older) |
7.00% / 4.00% |
Two Covered Persons (Age 45 - 59) |
3.50% / 3.00%*** |
Two Covered Persons (Age 60 - 64) |
4.50% / 3.00%*** |
Two Covered Persons (Age 65 - 71) |
6.00% / 4.00% |
Two Covered Persons (Age 72 and Older) |
6.50% / 4.00% |
Number of Covered Person and Age of Covered Person at First Withdrawal* |
Polaris Income Plus Income Option with Dynamic Allocation |
One Covered Person (Age 45 - 59) |
4.00% / 3.00%** |
One Covered Person (Age 60 - 64) |
5.00% / 3.00%** |
One Covered Person (Age 65 - 71) |
6.00% / 4.00% |
One Covered Person (Age 72 and Older) |
6.50% / 4.00% |
Two Covered Persons (Age 45 - 59) |
3.50% / 3.00%*** |
Two Covered Persons (Age 60 - 64) |
4.50% / 3.00%*** |
Two Covered Persons (Age 65 - 71) |
5.50% / 4.00% |
Two Covered Persons (Age 72 and Older) |
6.00% / 4.00% |
Number of Covered Persons and Age of Covered Person at First Withdrawal* |
Polaris Income Plus Income Option with Dynamic Allocation |
One Covered Person (Age 64 and Younger) |
5.5% / 3.0% ** |
One Covered Person (Age 65 and Older) |
6.0% / 4.0% |
Two Covered Persons (Age 64 and Younger) |
5.0% / 3.0% *** |
Two Covered Persons (Age 65 and Older) |
5.5% / 4.0% |
Number of Covered Persons and Age of Covered Person at First Withdrawal* |
Polaris Income Plus Income Option with Dynamic Allocation |
One Covered Person (Age 64 and Younger) |
5.0% / 3.0%** |
One Covered Person (Age 65 and Older) |
5.5% / 4.0% |
Two Covered Persons (Age 64 and Younger) |
4.5% / 3.0%*** |
Two Covered Persons (Age 65 and Older) |
5.0% / 4.0% |
Number of Covered Persons and Age of Covered Person at First Withdrawal* |
Polaris Income Plus Income Option with Dynamic Allocation |
Polaris Income Plus Income Option with Custom Allocation |
One Covered Person (Age 64 and Younger) |
5.5% / 3.0%** |
4.5% / 3.0%** |
One Covered Person (Age 65 and Older) |
5.5% / 4.0% |
4.5% / 4.0% |
Two Covered Persons (Age 64 and Younger) |
5.0% / 3.0%*** |
4.0% / 3.0%*** |
Two Covered Persons (Age 65 and Older) |
5.0% / 4.0% |
4.0% / 4.0% |
Number of Covered Persons and Age of Covered Person at First Withdrawal* |
Polaris Income Plus Income Option with Dynamic Allocation |
One Covered Person (Age 64 and Younger) |
6.0% / 3.0%** |
One Covered Person (Age 65 and Older) |
6.0% / 4.0% |
Two Covered Persons (Age 64 and Younger) |
5.5% / 3.0%*** |
Two Covered Persons (Age 65 and Older) |
5.5% / 4.0% |
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 |
1.00% |
2.50% |
0.60% |
±0.40% |
Two Covered Persons |
1.25% |
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 |
1.10% |
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 |
$150,000 |
$245,000 |
$250,000 |
$250,000 |
1st Anniversary |
— |
$270,000 |
$250,000 |
$270,000 |
2nd Anniversary |
— |
$287,000 |
$250,000 |
$287,000 |
Values as of |
Assumed Contract Value |
Withdrawal Taken |
Anniversary Value |
Maximum Annual Withdrawal Amount |
Net Purchase Payments |
Standard Death Benefit |
3rd Anniversary |
$310,000 |
— |
$310,000 |
$18,600 |
$250,000 |
$310,000 |
Year 4 |
$312,000 |
$15,500 |
— |
$18,600 |
$234,500 |
$296,500 |
4th Anniversary |
$310,000 |
— |
$310,000 |
$18,647 |
$234,500 |
$310,000 |
Year 5 |
$302,000 |
$15,539 |
— |
$18,647 |
$218,961 |
$286,461 |
5th Anniversary |
$305,000 |
— |
$305,000 |
$18,693 |
$218,961 |
$305,000 |
Values as of |
Assumed Contract Value |
Withdrawal Taken |
Anniversary Value |
Assumed Maximum Annual Withdrawal Amount |
Net Purchase Payments |
Standard Death Benefit |
5th Anniversary |
$305,000 |
— |
$305,000 |
$18,693 |
$218,961 |
$305,000 |
Year 6 |
$305,000 |
$24,924 |
— |
$18,286 |
$195,910 |
$280,076 |
6th Anniversary |
$280,000 |
— |
$280,000 |
$18,286 |
$195,910 |
$280,000 |
Year 7 |
$290,000 |
$24,382 |
— |
$17,876 |
$173,639 |
$260,618 |
7th Anniversary |
$260,000 |
— |
$260,000 |
$17,876 |
$173,639 |
$260,000 |
Values as of |
Purchase Payment Invested |
Contract Value |
Net Purchase Payments |
Maximum Anniversary Value Death Benefit |
Issue Date |
$100,000 |
$100,000 |
$100,000 |
$100,000 |
Values as of |
Purchase Payment Invested |
Assumed Contract Value |
Anniversary Value |
Net Purchase Payments |
Maximum Anniversary Value |
Maximum Anniversary Value Death Benefit |
Issue Date |
$100,000 |
$100,000 |
— |
$100,000 |
— |
$100,000 |
Year 1 |
$150,000 |
$245,000 |
— |
$250,000 |
— |
$250,000 |
1st Anniversary |
— |
$270,000 |
$270,000 |
$250,000 |
$270,000 |
$270,000 |
2nd Anniversary |
— |
$287,000 |
$287,000 |
$250,000 |
$287,000 |
$287,000 |
3rd Anniversary |
— |
$310,000 |
$310,000 |
$250,000 |
$310,000 |
$310,000 |
Values as of |
Assumed Contract Value |
Withdrawal Taken |
Anniversary Value |
Assumed Maximum Annual Withdrawal Amount |
Net Purchase Payments |
Maximum Anniversary Value |
Maximum Anniversary Value Death Benefit |
3rd Anniversary |
$310,000 |
— |
$310,000 |
$18,600 |
$250,000 |
$310,000 |
$310,000 |
Year 4 |
$312,000 |
$15,500 |
— |
$18,600 |
$234,500 |
$294,500 |
$296,500 |
4th Anniversary |
$310,000 |
— |
$310,000 |
$18,647 |
$234,500 |
$310,000 |
$310,000 |
Year 5 |
$302,000 |
$15,539 |
— |
$18,647 |
$218,961 |
$294,461 |
$294,461 |
5th Anniversary |
$305,000 |
— |
$305,000 |
$18,693 |
$218,961 |
$305,000 |
$305,000 |
Values as of |
Assumed Contract Value |
Withdrawal Taken |
Anniversary Value |
Assumed Maximum Annual Withdrawal Amount |
Net Purchase Payments |
Maximum Anniversary Value |
Maximum Anniversary Value Death Benefit |
5th Anniversary |
$305,000 |
— |
$305,000 |
$18,693 |
$218,961 |
$305,000 |
$305,000 |
Year 6 |
$305,000 |
$24,924 |
— |
$18,286 |
$195,910 |
$280,076 |
$280,076 |
6th Anniversary |
$280,000 |
— |
$280,000 |
$18,286 |
$195,910 |
$280,076 |
$280,076 |
Year 7 |
$290,000 |
$24,382 |
— |
$17,876 |
$173,639 |
$273,793 |
$273,793 |
7th Anniversary |
$260,000 |
— |
$260,000 |
$17,876 |
$173,639 |
$273,793 |
$273,793 |
Number of Covered Persons |
Initial Annual Fee Rate |
One Covered Person |
1.00% |
Two Covered Persons |
1.25% |
Income Credit Percentage (as a percentage of the Income Credit Base) |
Income Credit Availability |
7.00% |
Available during the first 12 Benefit Years — the Income Credit is reduced in years withdrawals are taken |
Number of Covered Person and Age of Covered Person at First Withdrawal* |
Polaris Income Plus Income Option with Dynamic Allocation |
One Covered Person (Age 45 - 59) |
4.00% / 3.50%** |
One Covered Person (Age 60 - 64) |
5.00% / 3.50%** |
One Covered Person (Age 65 - 71) |
7.00% / 4.50% |
One Covered Person (Age 72 and Older) |
7.50% / 4.50% |
Two Covered Persons (Age 45 - 59) |
3.50% / 3.50%*** |
Two Covered Persons (Age 60 - 64) |
4.50% / 3.50%*** |
Two Covered Persons (Age 65 - 71) |
6.50% / 4.50% |
Two Covered Persons (Age 72 and Older) |
7.00% / 4.50% |
Number of Covered Person and Age of Covered Person at First Withdrawal* |
Polaris Income Plus Income Option with Dynamic Allocation |
One Covered Person (Age 45 - 59) |
3.75% / 3.25%** |
One Covered Person (Age 60 - 64) |
4.75% / 3.25%** |
One Covered Person (Age 65 - 71) |
6.75% / 4.25% |
One Covered Person (Age 72 and Older) |
7.25% / 4.25% |
Two Covered Persons (Age 45 - 59) |
3.25% / 3.25%*** |
Two Covered Persons (Age 60 - 64) |
4.25% / 3.25%*** |
Two Covered Persons (Age 65 - 71) |
6.25% / 4.25% |
Two Covered Persons (Age 72 and Older) |
6.75% / 4.25% |
Number of Covered Persons |
Initial Annual Fee Rate |
One Covered Person |
1.00% |
Two Covered Persons |
1.25% |
Income Credit Percentage (as a percentage of the Income Credit Base) |
Income Credit Availability |
7.00% |
Available during the first 12 Benefit Years — the Income Credit is reduced in years withdrawals are taken |
Number of Covered Person and Age of Covered Person at First Withdrawal* |
Polaris Income Plus Income Option with Dynamic Allocation |
One Covered Person (Age 45 - 59) |
4.00% / 3.50%** |
One Covered Person (Age 60 - 64) |
5.00% / 3.50%** |
One Covered Person (Age 65 - 71) |
7.00% / 4.50% |
One Covered Person (Age 72 and Older) |
7.50% / 4.50% |
Two Covered Persons (Age 45 - 59) |
3.50% / 3.50%*** |
Two Covered Persons (Age 60 - 64) |
4.50% / 3.50%*** |
Two Covered Persons (Age 65 - 71) |
6.50% / 4.50% |
Two Covered Persons (Age 72 and Older) |
7.00% / 4.50% |
Number of Covered Person and Age of Covered Person at First Withdrawal* |
Polaris Income Plus Income Option with Dynamic Allocation |
One Covered Person (Age 45 - 59) |
3.75% / 3.25%** |
One Covered Person (Age 60 - 64) |
4.75% / 3.25%** |
One Covered Person (Age 65 - 71) |
6.75% / 4.25% |
One Covered Person (Age 72 and Older) |
7.25% / 4.25% |
Two Covered Persons (Age 45 - 59) |
3.25% / 3.25%*** |
Two Covered Persons (Age 60 - 64) |
4.25% / 3.25%*** |
Two Covered Persons (Age 65 - 71) |
6.25% / 4.25% |
Two Covered Persons (Age 72 and Older) |
6.75% / 4.25% |
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 Initial Registration Statement to File Nos. 333-102137 and 811-08810, filed December 23, 2002, Accession No. 0000898430-02-004616. | |
(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. 5 and Amendment No. 5, File Nos. 333-178849 and 811-03859, filed on April 29, 2013, Accession No. 0000950123-13-002973. | |
(d)(2) |
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. | |
(d)(3) |
Incorporated by reference to Post-Effective Amendment No. 10 and Amendment No. 10, File Nos. 333-178849 and 811-08810, filed on April 29, 2016, Accession No. 0001193125-16-569351. | |
(d)(4) |
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)(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. 0000950123-13-002972. | |
(d)(6) |
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. 0000950123-13-002972. | |
(d)(7) |
Incorporated by reference to Post-Effective Amendment No. 5 and Amendment No. 5, File Nos. 333-178849 and 811-03859, filed on April 29, 2013, Accession No. 0000950123-13-002973. | |
(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. 0000950123-13-002972. | |
(d)(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. | |
(d)(10) |
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. 0000950123-13-002972. | |
(d)(11) |
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. 0000950123-13-002972. | |
(d)(12) |
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. 0000950123-13-002972. | |
(d)(13) |
Incorporated by reference to Post-Effective Amendment No. 16 and Amendment No. 16, File Nos. 333-178841 and 811-08810, filed on April 26, 2017, Accession No. 0001193125-17-138994. | |
(d)(14) |
Incorporated by reference to Post-Effective Amendment No. 16 and Amendment No. 16, File Nos. 333-178841 and 811-08810, filed on April 26, 2017, Accession No. 0001193125-17-138994. |
Exhibit Number |
Description |
Location |
(d)(15) |
Incorporated by reference to Post-Effective Amendment No. 16 and Amendment No. 16, File Nos. 333-178841 and 811-08810, filed on April 26, 2017, Accession No. 0001193125-17-138994. | |
(d)(16) |
Incorporated by reference to Post-Effective Amendment No. 11 and Amendment No. 11, File Nos. 333-178849 and 811-08810, filed on April 27, 2017, Accession No. 0001193125-17-139893. | |
(d)(17) |
Incorporated by reference to Post-Effective Amendment No. 12 and Amendment No. 12, File Nos. 333-178849 and 811-08810, filed on October 5, 2017, Accession No. 0001193125-17-303660. | |
(d)(18) |
Incorporated by reference to Post-Effective Amendment No. 12 and Amendment No. 12, File Nos. 333-178849 and 811-08810, filed on October 5, 2017, Accession No. 0001193125-17-303660. | |
(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. | |
(d)(20) |
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)(21) |
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)(22) |
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)(23) |
Filed Herewith | |
(d)(24) |
Filed Herewith | |
(e)(1) |
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. 0000950123-13-002972. | |
(e)(2) |
Incorporated by reference to Post-Effective Amendment No. 8 and Amendment No. 8, File Nos. 333-178841 and 811-08810, filed on December 28, 2015, Accession No. 0001193125-15-414554. | |
(e)(3) |
Incorporated by reference to Post-Effective Amendment No. 17 and Amendment No. 17, File Nos. 333-178849 and 811-08810, filed on April 28, 2021, Accession No. 0001193125-21-137493. | |
(f) |
Corporate Documents of Depositor |
|
(f)(1) |
Incorporated by reference to Post-Effective Amendment No. 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. 4 and Amendment No. 5, File Nos. 333-172003 and 811-03859, filed on July 13, 2012, Accession No. 0000950123-12-010016. | |
(h)(2) |
Incorporated by reference to Post-Effective Amendment No. 4 and Amendment No. 5, File Nos. 333-172003 and 811-03859, filed on July 13, 2012, Accession No. 0000950123-12-010016. |
Exhibit Number |
Description |
Location |
(h)(3) |
Incorporated by reference to Pre-Effective Amendment No. 1 and Amendment No. 1, File Nos. 333-91860 and 811-03589, filed on October 28, 2002, Accession No. 0000898430-02-003844. | |
(h)(4) |
Incorporated by reference to Post-Effective Amendment No. 13 and Amendment No. 14, File Nos. 333-102137 and 811-08810, filed April 30, 2007, Accession No. 0000950124-07-002498. | |
(h)(5) |
Incorporated by reference to Post-Effective Amendment No. 3 and Amendment No. 6, File Nos. 333-146433 and 811-08810, filed on April 28, 2008, Accession No. 0000950148-08-000098. | |
(h)(6) |
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)(7) |
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. | |
(h)(8) |
Incorporated by reference to Post-Effective Amendment No. 4 and Amendment No. 5, File Nos. 333-172003 and 811-03859, filed on July 13, 2012, Accession No. 0000950123-12-010016. | |
(h)(9) |
Incorporated by reference to Post-Effective Amendment No. 10 to Form N-6 Registration Statement, File Nos. 333-48457, filed on May 2, 2005, Accession No. 0001193125-05-091912. | |
(h)(10) |
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)(11) |
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)(12) |
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)(13) |
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 |
|
(j) |
Other Material Contracts |
|
(j)(1) |
Incorporated by reference to Post-Effective Amendment No. 7 and Amendment No. 7, File Nos. 333-178845 and 811-08810, 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. 8 and Amendment No. 8, File Nos. 333-178849 and 811-08810, filed on April 29, 2015, Accession No. 0001193125-15-156370. | |
(k) |
Incorporated by reference to Pre-Effective Amendment No. 1 under the Securities Act of 1933 and Amendment No. 1 under the Investment Company Act of 1940, File Nos. 333-178849 and 811-08810 filed on January 3, 2012, Accession No. 0000950123-11-104758. | |
(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 |
Names Positions and Offices Held with Depositor |
|
Michelle D. Campion (4) |
Vice President |
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 |