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Pre-Effective Amendment No. |
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Post-Effective Amendment No. 33 |
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Amendment No. 33 |
[X] |
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L-1 | |
M-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the withdrawal up to the annual penalty-free withdrawal amount which equals 10% of your Purchase Payments not yet withdrawn. •Contracts without Early Access Feature. If you withdraw money from your contract within charge of up to issued prior to July 18, 2011), as a percentage of each Purchase Payment withdrawn. •Contracts with Early Access Feature. If you withdraw money from your contract within 4 years following your purchase of the contract or your last Purchase Payment, you may be assessed a withdrawal charge of up to 8%, as a percentage of each Purchase Payment withdrawn.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 $ charge is 8% or $7,000 if your maximum withdrawal charge is 7%. |
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 |
• | |||
Insurance Company Risks |
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RESTRICTIONS |
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Investments |
• |
Investment Options | ||
Optional Benefits |
• |
Optional Living Benefits 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 withdrawn) |
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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 |
7 |
8+ |
|
8% |
7% |
6% |
5% |
4% |
3% |
2% |
0% |
Contract Maintenance Fee (assessed annually and may be waived if contract value is $75,000 or more) |
$ |
Base Contract Expenses2 (deducted from the average daily ending net asset value allocated to the Variable Portfolios) |
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Return of Purchase Payment |
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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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Lifetime Income Option Change Fee5 |
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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 withdrawn) |
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 |
7 |
8+ |
Without Early Access feature |
8% |
7% |
6% |
5% |
4% |
3% |
2% |
0% |
With Early Access feature (Contracts issued between May 1, 2016 and April 30, 2019) |
8% |
7% |
6% |
5% |
0% |
0% |
0% |
0% |
Without Early Access feature (Contracts issued prior to July 18, 2011) |
7% |
6% |
6% |
5% |
4% |
3% |
2% |
0% |
Contract Maintenance Fee (Contracts purchased on or after July 18, 2011) (assessed annually and may be waived if contract value is $75,000 or more) |
$50 |
Contract Maintenance Fee (Contracts purchased prior to July 18, 2011) (assessed annually and may be waived if contract value is $50,000 or more) |
$ |
Base Contract Expenses2 (Contracts issued on or after May 1, 2017) (deducted from the average daily ending net asset value allocated to the Variable Portfolios) |
1.15% |
Base Contract Expenses2 (Contracts issued prior to May 1, 2017) (deducted from the average daily ending net asset value allocated to the Variable Portfolios) |
|
Return of Purchase Payment |
0.15% |
Maximum Anniversary Value (Contracts issued on or after May 1, 2017) |
0.40% |
Maximum Anniversary Value (Contracts issued prior to |
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Combination HV & Roll-Up (Contracts issued prior to January 23, 2012) |
0.65% |
Early Access Fee3 (Contracts issued between May 1, 2016 and April 30, 2019) |
0.40% |
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Initial Fee5 |
Maximum Fee5 |
One Covered Person |
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Two Covered Persons |
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Lifetime Income Option Change Fee6 |
0.25% |
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Initial Fee5 |
Maximum Fee5 |
One Covered Person |
1.15% |
2.50% |
Two Covered Persons |
1.35% |
2.50% |
|
Initial Fee5 |
Maximum Fee5 |
One Covered Person |
1.25% |
2.20% |
Two Covered Persons |
1.45% |
2.70% |
|
Initial Fee5 |
Maximum Fee5 |
One Covered Person |
1.10% |
2.20% |
Two Covered Persons |
1.35% |
2.70% |
|
Initial Fee5 |
Maximum Fee5 |
One Covered Person |
1.00% |
2.50% |
Two Covered Persons |
1.25% |
2.50% |
|
Initial Fee5 |
Maximum Fee5 |
One Covered Person |
1.10% |
2.20% |
Two Covered Persons |
1.35% |
2.70% |
|
Initial Fee5 |
Maximum Fee5 |
One Covered Person |
1.10% |
2.20% |
Two Covered Persons |
1.35% |
2.70% |
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Annualized fee |
One Covered Person |
0.70% |
Two Covered Persons |
0.95% |
|
Annualized fee |
One Covered Person |
1.10% |
Two Covered Persons |
1.35% |
|
Annualized fee |
One Covered Person |
0.95% |
Two Covered Persons |
1.25% |
|
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% |
Contract Year |
|
1-4 |
0.40% |
5+ |
none |
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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% |
Number of Covered Persons |
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(1) |
Minimum Subsequent Purchase Payment |
Minimum Automatic Subsequent Purchase Payment |
Qualified(2) |
$4,000 |
$500 |
$100 |
Non-Qualified(2) |
$10,000 |
$500 |
$100 |
Without Optional Benefits |
With Optional Living Benefit |
With Optional Maximum Anniversary Death Benefit |
86 |
81 |
81 |
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 |
Contract Year |
1-4 |
5+ |
Optional Early Access Feature Fee |
0.40% |
none |
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 an optional Living Benefit, please see Penalty-Free Withdrawal Amount under "What are the effects of withdrawals on Polaris Income Max?" and "What are the effects of withdrawals on Polaris Income Plus Daily Flex?" under OPTIONAL LIVING BENEFITS 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 Income Base) |
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(as a percentage of average daily net asset value allocated to the Variable Portfolios) |
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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 |
Early Access Feature |
Reduces the length of the withdrawal charge schedule under the contract |
0.40% (as a percentage of average daily ending net asset value allocated to the Variable Portfolios) |
•DCA Fixed Accounts may not be available in same states if this benefit was elected |
Polaris Income Plus Flex Living Benefit |
A guaranteed minimum withdrawal benefit with Income Credits and step-up opportunities |
2.50% (as a percentage of Income Base) |
•All withdrawals before guaranteed withdrawals are activated may significantly reduce or terminate the benefit •Excess withdrawals after guaranteed withdrawals are activated may significantly reduce or terminate the benefit •Income Credits not available after the 12th benefit anniversary •Minimum Income Base not available on 12th benefit anniversary if guaranteed withdrawals have been activated •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 •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 |
Polaris Income Plus Daily Flex Living Benefit (For contracts issued before October 13, 2020) |
A guaranteed minimum withdrawal benefit with frequent step-up opportunities |
2.50% (as a percentage of Income Base) |
•All withdrawals before guaranteed withdrawals are activated may significantly reduce or terminate the benefit •Excess withdrawals after guaranteed withdrawals are activated may significantly reduce or terminate the benefit •Minimum Income Base not available after the earlier of 15th benefit anniversary or activating guaranteed withdrawals •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 •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 |
Polaris Income Plus Daily Living Benefit |
A guaranteed minimum withdrawal benefit with frequent step-up opportunities |
Purchased between Oct. 9, 2017 and Sept. 8, 2019 2.50% (as a percentage of Income Base) Purchased before Oct. 9, 2017 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 •Step-up opportunities change from daily to annually after first withdrawal •Investment requirements limit available investment options •For contracts with Minimum Income Base (contracts issued between May 1, 2017 and September 8, 2019), Minimum Income Base not available after the earlier of 15th benefit anniversary or first withdrawal •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 |
Name of Benefit |
Purpose |
Maximum Fee |
Brief Description of Restrictions/Limitations |
Polaris Income Plus Living Benefit (Formerly SunAmerica Income Plus) |
A guaranteed minimum withdrawal benefit with Income Credits and step-up opportunities |
Purchased between Oct. 9, 2017 and Sept. 8, 2019 2.50% (as a percentage of Income Base) Purchased before Oct. 9, 2017 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 |
Polaris Income Builder Living Benefit (Formerly SunAmerica Income Builder) |
A guaranteed minimum withdrawal benefit with Income Credits and step-up opportunities |
Purchased on or after Oct. 9, 2017 2.50% (as a percentage of Income Base) Purchased before Oct. 9, 2017 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 •Minimum Income Base not available if withdrawal taken before the 12th benefit anniversary •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 |
MarketLock For Life Living Benefit |
A guaranteed minimum withdrawal benefit with step-up opportunities |
0.70% One Covered Person /0.95% Two Covered Persons (as a percentage of Income Base) |
•Excess withdrawals may significantly reduce or terminate the benefit •The fee and investment requirements may change if you elect a step-up period extension •Ineligible for step-up period extension if any previous extension opportunity was not elected or age requirements are not satisfied •Investment requirements limit available investment options •Purchase Payments subject to additional restrictions •May be cancelled by you on the 5th or 10th benefit anniversary or any benefit anniversary thereafter •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 |
Name of Benefit |
Purpose |
Maximum Fee |
Brief Description of Restrictions/Limitations |
MarketLock Income Plus Living Benefit |
A guaranteed minimum withdrawal benefit with Income Credits and step-up opportunities |
1.10% One Covered Person / 1.35% Two Covered Persons (as a percentage of Income Base) |
•Excess withdrawals may significantly reduce or terminate the benefit •The fee and investment requirements may change if you elect a step-up period extension •Ineligible for step-up period extension if any previous extension opportunity was not elected or age requirements are not satisfied •Income Credit period may only be extended once •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 be terminated by you on the 5th or 10th benefit anniversary or any benefit anniversary thereafter •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 |
MarketLock For Life Plus Living Benefit |
A guaranteed minimum withdrawal with Income Credits and step-up opportunities |
0.95% One Covered Pers on /1.25% Two Covered Persons (as a percentage of Income Base) |
•Excess withdrawals may significantly reduce or terminate the benefit •Ineligible for step-up period extension if any previous extension opportunity was not elected or age requirements are not satisfied •Income Credit period may only be extended once •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 be terminated by you on the 5th or 10th benefit anniversary or any benefit anniversary thereafter •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 |
Maximum Anniversary Death Benefit (For contracts issued before May 1, 2017) |
Provides a death benefit based on the greatest of contract value, net purchase payments, or highest contract value on an eligible contract anniversary |
0.25% (as a percentage of average daily net asset value allocated to the Variable Portfolios) |
•Death benefit calculated differently depending on whether an optional Living Benefit has been elected •Death benefit election cannot be changed •Withdrawals may significantly reduce the benefit |
Optional Combination HV & Roll- Up Death Benefit (For contracts issued before January 23, 2012) |
Provides a death benefit based on the greatest of contract value, highest contract value on an eligible contract anniversary, or net purchase payments with 5% accumulation |
0.65% (as a percentage of average daily net asset value allocated to the Variable Portfolios) |
•Fixed Account not available for investment •May not be elected with the Maximum Anniversary Value death benefit and/or a Living Benefit •Death benefit election cannot be changed •Withdrawals may significantly reduce the benefit •Accumulation applies only to Purchase Payments made before the earliest of the 15th contract anniversary, your 80th birthday, or the date of death •Not available in New York and Washington |
Optional Living Benefit |
Income Credit (as a percentage of the Income Credit Base) |
Income Credit Availability Prior to the Activation Date |
Polaris Income Max |
The applicable Income Credit Percentage is provided in the Rate Sheet Supplement |
The Income Credit Base and Income Base are reduced proportionately for any withdrawals taken prior to the Activation Date |
Polaris Income Plus Daily Flex |
Not available |
Living Benefit Parameter |
Polaris Income Max |
Polaris Income Plus Daily Flex |
This Living Benefit is suitable for the type of investor |
Who wants the guarantee of Income Credits prior to the Activation Date |
Who wants the greater flexibility of investment options and wants a Living Benefit that provides the ability for the Income Base to step up more frequently to Step-up Values. |
Minimum Income Base |
N/A |
Minimum Income Base: a Minimum Income Base Percentage is applied annually to Purchase Payments received prior to the Activation Date. Any withdrawals taken prior to the Activation Date will proportionately reduce all Purchase Payments used in the calculation of the Minimum Income Base. No further adjustments are made on or after the Activation Date. |
Income Credit – Prior to the Activation Date |
Income Credit available – the Income Credit Base and Income Base are reduced proportionately for any withdrawals taken prior to the Activation Date |
N/A |
Income Credit – On or After the Activation Date |
N/A |
N/A |
Frequency of Step-up Values |
Annually |
Daily |
Investment Requirements |
20% in Secure Value Account 80% in Variable Portfolios (total of 18 investment options) |
10% in Secure Value Account 90% in Variable Portfolios Asset Allocation Portfolios (37 investment options) or 90% in Build Your Own Allocation (76 investment options that cross 12 asset classes) |
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% |
Lifetime Income Option Change Fee* |
0.25% |
Number of Owners |
Covered Person | |
Minimum Age(1) |
Maximum Age(2) | |
One Owner |
50 |
80 |
Joint Owners(3) |
50 |
80 |
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 |
Number of Covered Persons |
Current Annualized Fee After First Extension (calculated as a percentage of the Income Base) |
Annualized Fee After Second Extension (calculated as a percentage of the Income Base) |
One |
1.20% |
1.25% |
Two |
1.45% |
1.50% |
Number of Covered Persons |
Current Annualized Fee After First Extension (calculated as a percentage of the Income Base) |
Annualized Fee After Second Extension (calculated as a percentage of the Income Base) |
One |
1.20% |
1.25% |
Two |
1.45% |
1.50% |
Number of Covered Persons |
Current Annualized Fee (calculated as a percentage of the Income Base) |
Annualized Fee After Extension (calculated as a percentage of the Income Base) |
One |
0.95% |
1.00% |
Two |
1.20% |
1.25% |
Number of Covered Persons |
Current Annualized Fee After Second Extension (calculated as a percentage of the Income Base) |
Annualized Fee After Third Extension (calculated as a percentage of the Income Base) |
One |
1.25% |
1.30% |
Two |
1.50% |
1.55% |
Number of Covered Persons |
Current Annualized Fee After Second Extension (calculated as a percentage of the Income Base) |
Annualized Fee After Third Extension (calculated as a percentage of the Income Base) |
One |
1.25% |
1.30% |
Two |
1.50% |
1.55% |
Number of Covered Persons |
Current Annualized Fee After Second Extension (calculated as a percentage of the Income Base) |
Annualized Fee After Third Extension (calculated as a percentage of the Income Base) |
One |
1.00% |
1.05% |
Two |
1.25% |
1.30% |
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 |
Withdrawal taken: |
Withdrawal Amount | |
Up to MAWA |
In Excess of MAWA | |
Before your 81st birthday |
By the dollar amount which equals each withdrawal taken |
Proportionately by the percentage by which Excess Withdrawal reduced the contract value |
On or after your 81st birthday |
Proportionately by the percentage that withdrawals reduced the contract value |
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 |
1.15% |
Years Since Purchase Payment Receipt |
1 |
2 |
3 |
4 |
5+ |
Withdrawal Charge |
8% |
7% |
6% |
5% |
0% |
Years Since Purchase Payment Receipt |
1 |
2 |
3 |
4 |
5 |
6 |
7 |
8+ |
Withdrawal Charge |
8% |
7% |
6% |
5% |
4% |
3% |
2% |
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% |
Lifetime Income Option Change Fee* |
0.25% |
Contract Year |
1-4 |
5+ |
Optional Early Access Feature Fee |
0.40% |
none |
|
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 |
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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 | |||
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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N/A |
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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 |
|
– Class 3 |
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N/A |
N/A |
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N/A |
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 | |||
Stock (continued) |
|
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|
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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 |
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N/A |
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 PIMCO Total Return 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 VCP Index Allocation SA Wellington Government and Quality Bond DCA Fixed Accounts** 6-Month DCA 1-Year DCA *You may invest up to a maximum of 50% in each of these Variable Portfolios. **You may use a DCA Fixed Account to invest your target allocation in accordance with the investment requirements. |
10% Secure Value Account |
Asset Allocation Portfolios 90% in one or more of the following Variable Portfolios: Individually Managed Asset Allocation Portfolios: SA American Funds Asset Allocation SA BlackRock Multi-Factor 70/30 SA Franklin Tactical Opportunities SA Goldman Sachs Multi-Asset Insights SA JPMorgan Diversified Balanced SA MFS Total Return SA Putnam Asset Allocation Diversified Growth SA T. Rowe Price Asset Allocation Growth SA Wellington Strategic Multi-Asset Actively Managed Fund-of-Funds: SA Allocation Balanced SA Allocation Growth SA Allocation Moderate SA Allocation Moderate Growth Index Fund-of-Funds Portfolios: SA Global Index Allocation 90/10 SA Global Index Allocation 75/25 SA Global Index Allocation 60/40 SA Index Allocation 90/10 SA Index Allocation 80/20 SA Index Allocation 60/40 Volatility Control Portfolios: SA American Funds VCP Managed Allocation SA BlackRock VCP Global Multi Asset 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 VCP Index Allocation Fixed Income Portfolios Goldman Sachs VIT Government Money Market Fund PIMCO Total Return SA American Century Inflation Protection SA Federated Hermes Corporate Bond SA Fixed Income Immediate Index SA Fixed Income Index SA JPMorgan MFS Core Bond SA JPMorgan Ultra-Short Bond SA PIMCO Global Bond Opportunities SA Wellington Government & Quality Bond DCA Fixed Accounts* 6-Month DCA 1-Year DCA *You may use a DCA Fixed Account to invest your target allocation in accordance with the investment requirements. |
FIXED INCOME PORTFOLIOS Investment Requirement Minimum 18% Maximum 90% | |
Money Market Portfolio: |
|
Goldman Sachs VIT Government Money Market Fund |
|
Core Fixed Income Portfolios: |
|
PIMCO Total Return |
|
SA American Century Inflation Protection |
|
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 Wellington Government & Quality Bond |
|
DCA Fixed Accounts* |
|
6-Month DCA |
|
1-Year DCA |
|
Fixed Accounts |
|
1-Year Fixed (if available) |
|
| |
PRIMARY EQUITY AND ASSET ALLOCATION PORTFOLIOS Investment Requirement Minimum 0% Maximum 72%** | |
Global & International Portfolios: |
|
SA Emerging Markets Equity Index |
|
SA International Index |
|
SA JPMorgan Global Equities |
|
SA Morgan Stanley International Equities |
|
Large Core Portfolios: |
|
SA American Funds Growth-Income |
|
SA Franklin Systematic U.S. Large Cap Core |
|
SA JPMorgan Large Cap Core |
|
SA Large Cap Index |
|
SA MFS Massachusetts Investors Trust |
|
Large Value Portfolios: |
|
Invesco V.I. Comstock |
|
Invesco V.I. Growth and Income |
|
Lord Abbett Growth and Income |
|
SA Franklin BW U.S. Large Cap Value |
|
SA Franklin Systematic U.S. Large Cap Value |
|
SA JPMorgan Equity-Income |
|
SA Large Cap Value Index |
|
Large Growth Portfolios: |
|
Invesco V.I. American Franchise |
|
SA AB Growth |
|
SA American Funds Growth |
|
SA Janus Focused Growth |
|
SA Large Cap Growth Index |
|
SA MFS Blue Chip Growth |
|
SA Wellington Capital Appreciation |
|
Small & Mid Cap Portfolios: |
|
SA Mid Cap Index |
|
SA Small Cap Index |
|
Asset Allocation Portfolios: |
|
Franklin Allocation VIP Fund |
|
Franklin Income VIP Fund |
|
SA Allocation Balanced |
|
SA Allocation Growth |
|
SA Allocation Moderate |
|
SA Allocation Moderate Growth |
|
PRIMARY EQUITY AND ASSET ALLOCATION PORTFOLIOS - CONTINUED Investment Requirement Minimum 0% Maximum 72%** | |
SA American Funds Asset Allocation |
|
SA BlackRock Multi-Factor 70/30 |
|
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 MFS Total Return |
|
SA Putnam Asset Allocation Diversified Growth |
|
SA T. Rowe Price Asset Allocation Growth |
|
SA Wellington Strategic Multi-Asset |
|
Asset Allocation (Volatility Control Portfolios): |
|
SA American Funds VCP Managed Allocation |
|
SA BlackRock VCP Global Multi Asset |
|
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 VCP Index Allocation |
|
| |
OTHER EQUITY AND SPECIALTY PORTFOLIOS Investment Requirement Minimum 0% Maximum 27%*** | |
Small & Mid Cap Portfolios: |
|
SA AB Small & Mid Cap Value |
|
SA Franklin Small Company Value |
|
SA Invesco Growth Opportunities |
|
SA JPMorgan Mid-Cap Growth |
|
Global & International Portfolios: |
|
SA American Funds Global Growth |
|
SA Fidelity Institutional AM® International Growth |
|
SA JPMorgan Emerging Markets |
|
SA PIMCO RAE International Value |
|
SA Putnam International Growth and Income |
|
Specialty Portfolios: |
|
PIMCO Emerging Markets Bond |
|
SA Fidelity Institutional AM® Real Estate |
|
SA PineBridge High-Yield Bond |
|
|
|
10% Secure Value Account |
Asset Allocation Portfolios 90% in one or more of the following Variable Portfolios: Individually Managed Asset Allocation Portfolios: SA American Funds Asset Allocation SA BlackRock Multi-Factor 70/30 SA Franklin Tactical Opportunities SA Goldman Sachs Multi-Asset Insights SA JPMorgan Diversified Balanced SA MFS Total Return SA Putnam Asset Allocation Diversified Growth SA T. Rowe Price Asset Allocation Growth SA Wellington Strategic Multi-Asset Actively Managed Fund-of-Funds: SA Allocation Balanced SA Allocation Growth SA Allocation Moderate SA Allocation Moderate Growth Index Fund-of-Funds Portfolios: SA Global Index Allocation 90/10 SA Global Index Allocation 75/25 SA Global Index Allocation 60/40 SA Index Allocation 90/10 SA Index Allocation 80/20 SA Index Allocation 60/40 Volatility Control Portfolios: SA American Funds VCP Managed Allocation SA BlackRock VCP Global Multi Asset 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 VCP Index Allocation Fixed Income Portfolios Goldman Sachs VIT Government Money Market Fund PIMCO Total Return SA American Century Inflation Protection SA Federated Hermes Corporate Bond SA Fixed Income Immediate Index SA Fixed Income Index SA JPMorgan MFS Core Bond SA JPMorgan Ultra-Short Bond SA PIMCO Global Bond Opportunities SA Wellington Government & Quality Bond DCA Fixed Accounts* 6-Month DCA 1-Year DCA *You may use a DCA Fixed Account to invest your target allocation in accordance with the investment requirements. |
FIXED INCOME PORTFOLIOS Investment Requirement Minimum 18% Maximum 90% | |
Money Market Portfolio: |
|
Goldman Sachs VIT Government Money Market Fund |
|
Core Fixed Income Portfolios: |
|
PIMCO Total Return |
|
SA American Century Inflation Protection |
|
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 Wellington Government & Quality Bond |
|
DCA Fixed Accounts* |
|
6-Month DCA |
|
1-Year DCA |
|
Fixed Accounts |
|
1-Year Fixed (if available) |
|
| |
PRIMARY EQUITY AND ASSET ALLOCATION PORTFOLIOS Investment Requirement Minimum 0% Maximum 72%** | |
Global & International Portfolios: |
|
SA Emerging Markets Equity Index |
|
SA International Index |
|
SA JPMorgan Global Equities |
|
SA Morgan Stanley International Equities |
|
Large Core Portfolios: |
|
SA American Funds Growth-Income |
|
SA Franklin Systematic U.S. Large Cap Core |
|
SA JPMorgan Large Cap Core |
|
SA Large Cap Index |
|
SA MFS Massachusetts Investors Trust |
|
Large Value Portfolios: |
|
Invesco V.I. Comstock |
|
Invesco V.I. Growth and Income |
|
Lord Abbett Growth and Income |
|
SA Franklin BW U.S. Large Cap Value |
|
SA Franklin Systematic U.S. Large Cap Value |
|
SA JPMorgan Equity-Income |
|
SA Large Cap Value Index |
|
Large Growth Portfolios: |
|
Invesco V.I. American Franchise |
|
SA AB Growth |
|
SA American Funds Growth |
|
SA Janus Focused Growth |
|
SA Large Cap Growth Index |
|
SA MFS Blue Chip Growth |
|
SA Wellington Capital Appreciation1 |
|
Small & Mid Cap Portfolios: |
|
SA Mid Cap Index |
|
SA Small Cap Index |
|
Asset Allocation Portfolios: |
|
Franklin Allocation VIP Fund |
|
Franklin Income VIP Fund |
|
SA Allocation Balanced |
|
SA Allocation Growth |
|
SA Allocation Moderate |
|
SA Allocation Moderate Growth |
|
PRIMARY EQUITY AND ASSET ALLOCATION PORTFOLIOS - CONTINUED Investment Requirement Minimum 0% Maximum 72%** | |
SA American Funds Asset Allocation |
|
SA BlackRock Multi-Factor 70/30 |
|
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 MFS Total Return |
|
SA Putnam Asset Allocation Diversified Growth |
|
SA T. Rowe Price Asset Allocation Growth |
|
SA Wellington Strategic Multi-Asset |
|
Asset Allocation (Volatility Control Portfolios): |
|
SA American Funds VCP Managed Allocation |
|
SA BlackRock VCP Global Multi Asset |
|
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 VCP Index Allocation |
|
| |
OTHER EQUITY AND SPECIALTY PORTFOLIOS Investment Requirement Minimum 0% Maximum 27%*** | |
Small & Mid Cap Portfolios: |
|
SA AB Small & Mid Cap Value |
|
SA Franklin Small Company Value |
|
SA Invesco Growth Opportunities |
|
SA JPMorgan Mid-Cap Growth2 |
|
Global & International Portfolios: |
|
SA American Funds Global Growth |
|
SA Fidelity Institutional AM® International Growth |
|
SA JPMorgan Emerging Markets |
|
SA PIMCO RAE International Value |
|
SA Putnam International Growth and Income |
|
Specialty Portfolios: |
|
PIMCO Emerging Markets Bond |
|
SA Fidelity Institutional AM® Real Estate |
|
SA PineBridge High-Yield Bond |
|
|
|
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* 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 VCP Index Allocation SA Wellington Government and Quality Bond DCA Fixed Accounts** 6-Month DCA 1-Year DCA *You may invest up to a maximum of 50% in each of these Variable Portfolios. **You may use a DCA Fixed Account to invest your target allocation in accordance with the investment requirements. |
10% Secure Value Account |
90% in one or more of the following Variable Portfolios: Individually Managed Asset Allocation Portfolios: SA American Funds Asset Allocation SA Franklin Tactical Opportunities SA Goldman Sachs Multi-Asset Insights SA JPMorgan Diversified Balanced SA MFS Total Return SA Putnam Asset Allocation Diversified Growth SA T. Rowe Price Asset Allocation Growth SA Wellington Strategic Multi-Asset Income Actively Managed Fund-of-Funds: SA Allocation Balanced SA Allocation Growth SA Allocation Moderate SA Allocation Moderate Growth Fixed Income and Money Market Portfolios: Goldman Sachs VIT Government Money Market Fund SA American Century Inflation Protection 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 Wellington Government and Quality Bond Index Fund-of-Funds Portfolios SA Global Index Allocation 90/10 SA Global Index Allocation 75/25 SA Global Index Allocation 60/40 SA Index Allocation 90/10 SA Index Allocation 80/20 SA Index Allocation 60/40 Volatility Control Portfolios: SA American Funds VCP Managed Allocation SA BlackRock VCP Global Multi Asset 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 VCP Index Allocation DCA Fixed Accounts* 6-Month DCA 1-Year DCA *You may use a DCA Fixed Account to invest your target allocation in accordance with the investment requirements. |
A |
10% Secure Value Account and 90% in Allocation* 1, 2, 3 or 4 * 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. |
B |
10% Secure Value Account and select up to 90% in one or more of the following Variable Portfolios: Individually Managed Asset Allocation Portfolios: SA American Funds Asset Allocation SA Franklin Tactical Opportunities SA Goldman Sachs Multi-Asset Insights SA JPMorgan Diversified Balanced SA MFS Total Return SA Putnam Asset Allocation Diversified Growth SA T. Rowe Price Asset Allocation Growth SA Wellington Strategic Multi-Asset Income Volatility Control Portfolios: SA American Funds VCP Managed Allocation SA BlackRock VCP Global Multi Asset 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 VCP Index Allocation Fixed Income and Money Market Portfolios: Goldman Sachs VIT Government Money Market Fund SA American Century Inflation Protection 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 Wellington Government and Quality Bond Index Fund-of-Funds Portfolios SA Global Index Allocation 90/10 SA Global Index Allocation 75/25 SA Global Index Allocation 60/40 SA Index Allocation 90/10 SA Index Allocation 80/20 SA Index Allocation 60/40 Actively Managed Fund-of-Funds: SA Allocation Balanced SA Allocation Growth SA Allocation Moderate SA Allocation Moderate Growth DCA Fixed Accounts* 6-Month DCA 1-Year DCA *You may use a DCA Fixed Account to invest your target allocation in accordance with the investment requirements. |
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 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 VCP Index Allocation 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 VCP Index Allocation SA Wellington Government and Quality Bond * You may invest up to a maximum of 50% in each of these Variable Portfolios. |
Option 1 |
10% Secure Value Account |
90% in 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. |
Option 2 |
10% Secure Value Account |
90% in one or more of the following Variable Portfolios: Franklin Income VIP Fund SA Allocation Balanced SA Allocation Moderate Growth SA Allocation Moderate SA American Funds Asset Allocation SA JPMorgan Diversified Balanced SA Fixed Income Index SA Fixed Income Intermediate Index SA MFS Total Return SA VCP Dynamic Allocation SA VCP Dynamic Strategy SA VCP Index Allocation |
Option 3 |
10% Secure Value Account |
90% SA JPMorgan Ultra-Short Bond |
Investment Group |
Flexible Allocation |
Variable Portfolios and/or DCA Fixed Accounts |
A. Bond, and DCA Fixed Account |
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* DCA 6-Month 1-Year DCA 2-Year DCA |
Investment Group |
Flexible Allocation |
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 Growth SA Allocation Moderate 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 |
Option 1 |
10% Secure Value Account |
90% in 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. |
Option 2 |
10% Secure Value Account |
90% in one or more of the following Variable Portfolios: Franklin Income VIP Fund SA Allocation Balanced SA Allocation Moderate Growth SA Allocation Moderate SA American Funds Asset Allocation SA JPMorgan Diversified Balanced SA MFS Total Return SA VCP Dynamic Allocation SA VCP Dynamic Strategy |
Option 3 |
10% Secure Value Account |
90% SA JPMorgan Ultra-Short Bond Portfolio |
Investment Group |
Flexible Allocation |
Variable Portfolios and/or DCA Fixed Accounts |
A. Bond, 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* DCA 6-Month 1-Year DCA 2-Year DCA Fixed Accounts 1-Year Fixed (if available) |
Investment Group |
Flexible Allocation |
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 Growth SA Allocation Moderate 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 |
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 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 VCP Index Allocation 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 VCP Index Allocation SA Wellington Government and Quality Bond *You may invest up to a maximum of 50% in each of these Variable Portfolios. |
Option 1 |
10% Secure Value Account |
90% in 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. |
Option 2 |
10% Secure Value Account |
90% in one or more of the following Variable Portfolios: Franklin Income VIP Fund SA Allocation Balanced SA Allocation Moderate Growth SA Allocation Moderate SA American Funds Asset Allocation SA JPMorgan Diversified Balanced SA MFS Total Return SA VCP Dynamic Allocation SA VCP Dynamic Strategy |
Option 3 |
10% Secure Value Account |
90% SA JPMorgan Ultra-Short Bond |
Investment Group |
Flexible Allocation |
Variable Portfolios and/or DCA Fixed Accounts |
A. Bond, and DCA Fixed Account |
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* DCA 6-Month 1-Year DCA 2-Year DCA Fixed Accounts 1-Year Fixed (if available) |
Investment Group |
Flexible Allocation |
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 Growth SA Allocation Moderate 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 PineBridge High-Yield Bond SA PIMCO RAE Foreign Value 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 |
1 |
Invest in one of the three available Allocations*: Allocation 1, Allocation 2 or Allocation 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. |
2 |
Invest 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 |
3 |
Invest in the SA JPMorgan Ultra-Short Bond |
4 |
In accordance with the requirements outlined in the table below: |
Investment Group |
Investment Requirement |
Variable Portfolios and/or Fixed Accounts |
A. Bond, Cash and Fixed Accounts |
Minimum 30% Maximum 100% |
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% |
Franklin Allocation VIP Fund Franklin Income VIP Fund Invesco V.I. American Franchise Fund Invesco V.I. Comstock 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 VCP Dynamic Allocation SA VCP Dynamic Strategy 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 |
Investment Group |
Investment Requirement |
Variable Portfolios and/or Fixed Accounts |
A. Bond, Cash and Fixed Accounts |
Minimum 30% Maximum 100% |
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 Maximum |
Minimum 0% Maximum 70% |
Franklin Allocation VIP Fund Franklin Income VIP Fund Invesco V.I. American Franchise Fund Invesco V.I. Comstock 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 Portfolio 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 VCP Dynamic Allocation SA VCP Dynamic Strategy 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 |
Investment Group |
Investment Requirement |
Variable Portfolios and/or Fixed Accounts |
A. Bond, Cash and Fixed Accounts |
Minimum 30% Maximum 100% |
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 Maximum |
Minimum 0% Maximum 70% |
Franklin Allocation VIP Fund Franklin Income VIP Fund Invesco V.I. American Franchise Fund Invesco V.I. Comstock 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 Mid-Cap Growth SA MFS Blue Chip Growth SA MFS Massachusetts Investors Trust SA MFS Total Return SA Morgan Stanley International Equities SA PIMCO Global Bond Opportunities SA PIMCO RAE International Value SA PineBridge High-Yield Bond SA VCP Dynamic Allocation SA VCP Dynamic Strategy 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 |
Option 1 |
100% in one or more of the following: SA JPMorgan Ultra-Short Bond SA VCP Dynamic Allocation SA VCP Dynamic Strategy |
Option 2 |
At least 50% and up to 100% in one or more of the following: SA JPMorgan Ultra-Short Bond SA VCP Dynamic Allocation SA VCP Dynamic Strategy Up to 50% 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 |
Option 3 |
25% SA VCP Dynamic Allocation and 25% SA VCP Dynamic Strategy and 50% in one of the following Allocations*: Allocation 1, Allocation 2 or Allocation 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. |
Option 4 |
At least 50% and up to 100% in one or more of the following: SA JPMorgan Ultra-Short Bond SA VCP Dynamic Allocation SA VCP Dynamic Strategy Up to 50% in accordance with the requirements outlined in the table below: |
Investment Group |
Investment Requirement |
Variable Portfolios and/or Fixed Accounts |
A. Bond, Cash and Fixed Accounts |
Minimum 15% Maximum 50% |
SA American Century Inflation Protection SA Federated Hermes Corporate Bond SA JPMorgan MFS Core Bond SA PIMCO Global Bond Opportunities SA Wellington Government and Quality Bond Fixed Accounts 1-Year Fixed (if available) |
Investment Group |
Investment Requirement |
Variable Portfolios and/or Fixed Accounts |
B. Equity Maximum |
Minimum 0% Maximum 35% |
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 Growth SA Allocation Moderate 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 Wellington Capital Appreciation |
C. Limited Equity |
Minimum 0% Maximum 5% |
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% |
Lifetime Income Option Change Fee* |
0.25% |
Benefit Quarter |
Quarterly Average (Daily VIX2) |
Calculated Formula Value* |
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 Formula Value |
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 |
525.72 |
1.75% |
1.75% |
0.4375% |
12th |
765.45 |
2.11% |
2.11% |
0.5275% |
Benefit Quarter |
Quarterly Average (Daily VIX2) |
Calculated Formula Value |
Annual Fee Rate |
Quarterly Fee Rate |
Annual Lifetime Income Option Change Fee |
Quarterly Lifetime Income Option Change Fee |
12th |
765.45 |
2.11% |
2.11% |
0.5275% |
N/A |
N/A |
13th |
957.12 |
2.40% |
2.50% |
0.6250% |
0.10% |
0.0250% |
14th |
1,025.43 |
2.50% |
2.50% |
0.6250% |
0.00% |
0.0000% |
15th |
721.89 |
2.04% |
2.35% |
0.5875% |
0.25% |
0.0625% |
16th |
207.38 |
1.26% |
1.95% |
0.4875% |
0.25% |
0.0625% |
Values as of |
Purchase Payments Invested |
Contract Value |
Income Base |
Income Credit Base |
Maximum Annual Withdrawal Amount upon Activation |
Benefit Effective Date |
$100,000 |
$100,000 |
$100,000 |
$100,000 |
$6,250 |
Values as of |
Purchase Payment Invested |
Assumed Contract Value |
Anniversary Value |
Income Base |
Income Credit Base |
Income Credit |
Maximum Annual Withdrawal Amount upon Activation |
Benefit Effective Date |
$100,000 |
$100,000 |
— |
$100,000 |
$100,000 |
— |
$6,250 |
Year 1 |
$60,000 |
$165,000 |
— |
$160,000 |
$160,000 |
— |
$10,000 |
1st Anniversary |
— |
$170,000 |
$170,000 |
$170,000 |
$170,000 |
$8,400 |
$10,625 |
Year 2 |
$90,000 |
$255,000 |
— |
$260,000 |
$260,000 |
— |
$16,250 |
2nd Anniversary |
— |
$287,000 |
$287,000 |
$287,000 |
$287,000 |
$13,650 |
$17,938 |
As of |
Assumed Contract Value |
Withdrawal Taken |
Anniversary Value |
Income Base |
Income Credit Base |
Income Credit |
Maximum Annual Withdrawal Amount upon Activation |
2nd Anniversary |
$287,000 |
— |
$287,000 |
$287,000 |
$287,000 |
$13,650 |
$17,938 |
3rd Anniversary |
$300,000 |
— |
$300,000 |
$302,068 |
$287,000 |
$15,068 |
$18,879 |
As of |
Assumed Contract Value |
Withdrawal Taken |
Anniversary Value |
Income Base |
Income Credit Base |
Income Credit |
Maximum Annual Withdrawal Amount upon Activation |
3rd Anniversary |
$300,000 |
— |
$300,000 |
$302,068 |
$287,000 |
$15,068 |
$18,879 |
Year 4 |
$305,000 |
$5,000 |
— |
$279,116 |
$282,295 |
— |
$18,570 |
4th Anniversary |
$312,000 |
— |
$312,000 |
$312,000 |
$14,820 |
$14,820 |
$19,500 |
As of |
Assumed Contract Value |
Withdrawal Taken |
Anniversary Value |
Income Base |
Income Credit Base |
Income Credit |
Maximum Annual Withdrawal Amount |
4th Anniversary |
$312,000 |
— |
$312,000 |
$312,000 |
$312,000 |
$14,820 |
$19,500 |
Year 5 |
$302,000 |
$19,500 |
— |
$312,000 |
— |
— |
$19,500 |
5th Anniversary |
$305,000 |
— |
$305,000 |
$312,000 |
— |
— |
$19,500 |
As of |
Assumed Contract Value |
Withdrawal Taken |
Anniversary Value |
Income Base |
Maximum Annual Withdrawal Amount |
5th Anniversary |
$305,000 |
— |
$305,000 |
$312,000 |
$19,500 |
Year 6 |
$305,000 |
$24,960 |
— |
$306,033 |
$19,127 |
6th Anniversary |
$280,000 |
— |
$290,000 |
$306,033 |
$19,127 |
Year 7 |
$290,000 |
$24,483 |
— |
$299,982 |
$18,749 |
7th Anniversary |
$260,000 |
— |
$230,000 |
$299,982 |
$18,749 |
Values as of |
Assumed Contract Value |
Anniversary Value |
Income Base |
Maximum Annual Withdrawal Amount |
Protected Income Payment |
7th Anniversary |
$230,000 |
$260,000 |
$299,982 |
$18,749 |
— |
8th Anniversary |
$150,000 |
$150,000 |
$299,982 |
$18,749 |
— |
9th Anniversary |
$100,000 |
$100,000 |
$299,982 |
$18,749 |
— |
10th Anniversary |
$50,000 |
$50,000 |
$299,982 |
$18,749 |
— |
Year 11 |
$0 |
$0 |
$299,982 |
$18,749 |
— |
11th Anniversary |
$0 |
$0 |
$299,982 |
— |
$11,999 |
Value as of |
Purchase Payments Invested |
Contract Value |
Minimum Income Base |
Income Base |
Maximum Annual Withdrawal Amount upon Activation |
Benefit Effective Date |
$100,000 |
$100,000 |
$100,000 |
$100,000 |
$6,000 |
Values 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 |
$6,000 |
Year 1 – Day 25 |
— |
$102,000 |
$102,000 |
$100,000 |
$102,000 |
$6,120 |
Year 1 – Day 105 |
— |
$105,000 |
$105,000 |
$100,000 |
$105,000 |
$6,300 |
Year 1 – Day 200 |
$60,000 |
$162,000 |
— |
$160,000 |
$165,000 |
$9,900 |
Year 1 – Day 300 |
— |
$166,000 |
$166,000 |
$160,000 |
$166,000 |
$9,960 |
1st Anniversary |
— |
$167,000 |
$167,000 |
$168,000 |
$168,000 |
$10,080 |
Year 2 – Day 180 |
$90,000 |
$250,000 |
— |
$258,000 |
$258,000 |
$15,480 |
Year 2 – Day 250 |
— |
$280,000 |
$280,000 |
$258,000 |
$280,000 |
$16,800 |
2nd Anniversary |
— |
$279,000 |
— |
$270,500 |
$280,000 |
$16,800 |
Value 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 |
$16,800 |
Year 3 – Day 45 |
$290,000 |
— |
$290,000 |
$270,500 |
$290,000 |
$17,400 |
Year 3 – Day 155 |
$285,000 |
$5,000 |
— |
$265,754 |
$284,912 |
$17,095 |
Year 3 – Day 275 |
$300,000 |
— |
$300,000 |
$265,754 |
$300,000 |
$18,000 |
3rd Anniversary |
$310,000 |
— |
$310,000 |
$278,035 |
$310,000 |
$18,600 |
Value 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 |
$18,600 |
Year 4 – Day 65 |
$315,000 |
— |
$315,000 |
$278,035 |
$315,000 |
$18,900 |
Year 4 – Day 92 |
$312,000 |
$10,000 |
— |
— |
$315,000 |
$18,900 |
Year 4 – Day 350 |
$320,000 |
— |
$320,000 |
— |
$315,000 |
$18,900 |
4th Anniversary |
$311,000 |
— |
— |
— |
$320,000 |
$19,200 |
Year 5 – Day 75 |
$325,000 |
— |
$325,000 |
— |
$320,000 |
$19,200 |
Year 5 – Day 80 |
$322,000 |
$19,200 |
— |
— |
$320,000 |
$19,200 |
5th Anniversary |
$317,000 |
— |
— |
— |
$325,000 |
$19,500 |
Year 6 – Day 155 |
$330,000 |
— |
$330,000 |
— |
$325,000 |
$19,500 |
6th Anniversary |
$329,000 |
— |
— |
— |
$330,000 |
$19,800 |
Value as of |
Assumed Contract Value |
Withdrawal Taken |
Step-up Value |
Income Base |
Maximum Annual Withdrawal Amount |
6th Anniversary |
$329,000 |
— |
— |
$330,000 |
$19,800 |
Year 7 – Day 37 |
$321,000 |
$26,400 |
— |
$322,769 |
$19,366 |
Year 7 – Day 362 |
$325,000 |
— |
$325,000 |
$322,769 |
$19,366 |
7th Anniversary |
$317,000 |
— |
— |
$325,000 |
$19,500 |
Year 8 – Day 46 |
$307,000 |
$26,000 |
— |
$317,652 |
$19,059 |
8th Anniversary |
$270,000 |
— |
— |
$317,652 |
$19,059 |
Value as of |
Assumed Contract Value |
Withdrawal Taken |
Step-up Value |
Income Base |
Maximum Annual Withdrawal Amount |
Protected Income Payment |
8th Anniversary |
$270,000 |
— |
— |
$317,652 |
$19,059 |
— |
9th Anniversary |
$150,000 |
$19,059 |
— |
$317,652 |
$19,059 |
— |
10th Anniversary |
$100,000 |
$19,059 |
— |
$317,652 |
$19,059 |
— |
11th Anniversary |
$50,000 |
$19,059 |
— |
$317,652 |
$19,059 |
— |
Year 12 – Day 81 |
$0 |
$19,059 |
— |
$317,652 |
$19,059 |
— |
12th Anniversary |
$0 |
$0 |
— |
$317,652 |
— |
$12,706 |
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 |
Cancellation of Living Benefit |
Amounts allocated to the Secure Value Account will be automatically transferred to the Goldman Sachs VIT Government Money Market Fund or similar money market portfolio. |
Washington |
Early Access |
The Early Access Feature is not available for contracts purchased on or after September 2, 2016. |
Maryland |
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 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 |
Marketlock Income Plus, MarketLock For Life Plus, MarketLock For Life |
Charge will be deducted pro-rata from Variable Portfolios only. |
New York Oregon Texas Washington |
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 issued on or after May 1, 2017. |
Missouri |
PROSPECTUS PROVISION |
AVAILABILITY OR VARIATION |
ISSUE STATE |
Polaris Income Plus Max Polaris Income Plus Daily Flex |
Charge will be deducted pro-rata from Variable Portfolios only. |
Connecticut Hawaii Missouri New York Oregon Texas Washington Vermont Virginia |
Polaris Income Builder 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 |
Polaris Income Plus Daily |
Charge will be deducted pro-rata from Variable Portfolios only. |
Hawaii Missouri New York Oregon Texas Washington |
Purchase Payment Age Limit |
The Purchase Payment Age Limit is the later of three years after contract issue or the Owner’s 63rd birthday for contracts issued July 18, 2011 through August 2, 2015. The Purchase Payment Age limit is not applicable to contracts issued on or after August 3, 2015. |
Kentucky Minnesota Oklahoma Texas |
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 July 18, 2011 through August 2, 2015. The Purchase Payment Age limit is not applicable to contracts issued on or after August 3, 2015. |
Washington |
Transfer Privilege |
Any transfer over the limit of 15 will incur a $10 transfer fee. |
Pennsylvania Texas |
Polaris Income Max & Polaris Income Plus Daily Flex (October 13, 2020 to April 30, 2023) |
F-1 |
Polaris Income Max & Polaris Income Plus Daily Flex Fee |
F-13 |
Additional Important Information Applicable to Polaris Income Max and Polaris Income Plus Daily Flex |
F-14 |
Polaris Income Plus Flex & Polaris Income Plus Daily Flex (May 1, 2019 to October 12, 2020) |
F-18 |
Polaris Income Plus Flex & Polaris Income Plus Daily Flex Fee |
F-30 |
Additional Important Information Applicable to Polaris Income Plus Flex and Polaris Income Plus Daily Flex |
F-31 |
Polaris Income Plus Daily |
F-35 |
Polaris Income Plus Daily Fee |
F-41 |
Additional Important Information Applicable to Polaris Income Plus Daily |
F-42 |
Polaris Income Plus* |
F-45 |
Polaris Income Plus* Fee |
F-54 |
Additional Important Information Applicable to Polaris Income Plus |
F-55 |
Polaris Income Builder** |
F-57 |
Polaris Income Builder** Fee |
F-63 |
Additional Important Information Applicable to Polaris Income Builder |
F-64 |
MarketLock For Life |
F-66 |
MarketLock For Life Fee |
F-68 |
MarketLock Income Plus |
F-72 |
MarketLock Income Plus Fee |
F-76 |
MarketLock For Life Plus |
F-76 |
MarketLock For Life Plus Fee |
F-79 |
Additional Important Information Applicable to MarketLock Income Plus and MarketLock For Life Plus |
F-81 |
|
|
Optional Living Benefit |
Income Credit (as a percentage of the Income Credit Base) |
Income Credit Availability Prior to the Activation Date |
Polaris Income Max |
7.00% (For contracts issued on or after July 25, 2022) 5.25% (For contracts issued prior to July 25, 2022) |
The Income Credit base and Income Base are reduced proportionately for any withdrawals taken prior to the Activation Date |
Polaris Income Plus Daily Flex |
Not available |
Living Benefit Parameter |
Polaris Income Max |
Polaris Income Plus Daily Flex |
This Living Benefit is suitable for the type of investor |
Who wants the guarantee of Income Credits prior to the Activation Date |
Who wants the greater flexibility of investment options and wants a Living Benefit that provides the ability for the Income Base to step up more frequently to Step-Up Values. |
Minimum Income Base |
N/A |
Minimum Income Base: a Minimum Income Base Percentage is applied annually to Purchase Payments received prior to the Activation Date. Any withdrawals taken prior to the Activation Date will proportionately reduce all Purchase Payments used in the calculation of the Minimum Income Base. No further adjustments are made on or after the Activation Date. |
Income Credit – Prior to the Activation Date |
Income Credit available – the Income Credit Base and Income Base are reduced proportionately for any withdrawals taken prior to the Activation Date |
N/A |
Income Credit – On or After the Activation Date |
N/A |
N/A |
Frequency of Step-up Values |
Annually |
Daily |
Investment Requirements |
20% in Secure Value Account 80% in Variable Portfolios (total of 18 investment options) |
Allocation Structure: 10% in Secure Value Account 90% in Variable Portfolios Asset Allocation Portfolios (37 investment options) or Build Your Own Allocation (76 investment options that cross 12 asset classes) |
Number of Covered Persons and Age of Covered Person(s) on the Activation Date(1) |
Polaris Income Max Income Option 1 |
Polaris Income Max Income Option 2 |
Polaris Income Max Income Option 3 | |||
Maximum Annual Withdrawal Percentage |
Protected Income Payment Percentage |
Maximum Annual Withdrawal Percentage |
Protected Income Payment Percentage |
Maximum Annual Withdrawal Percentage |
Protected Income Payment Percentage | |
One Covered Person (Age 50 - 59) |
4.25% |
3.25%(2) |
4.25% |
3.25%(2) |
3.50% |
3.50% |
One Covered Person (Age 60 - 64) |
5.25% |
3.25%(2) |
5.25% |
3.25%(2) |
4.20% |
4.20% |
One Covered Person (Age 65 - 74) |
7.00% |
4.25% |
8.00% |
3.25% |
5.60% |
5.60% |
One Covered Person (Age 75 and Older) |
7.50% |
4.25% |
8.50% |
3.25% |
5.90% |
5.90% |
Two Covered Persons (Age 50 - 59) |
4.00% |
3.00%(3) |
4.00% |
3.00%(3) |
3.10% |
3.10% |
Two Covered Persons (Age 60 - 64) |
5.00% |
3.00%(3) |
5.00% |
3.00%(3) |
3.80% |
3.80% |
Two Covered Persons (Age 65 - 74) |
6.75% |
4.00% |
7.75% |
3.00% |
5.20% |
5.20% |
Two Covered Persons (Age 75 and Older) |
7.25% |
4.00% |
8.25% |
3.00% |
5.50% |
5.50% |
Number of Covered Persons and Age of Covered Person(s) on the Activation Date(1) |
Polaris Income Max Income Option 1 |
Polaris Income Max Income Option 2 |
Polaris Income Max Income Option 3 | |||
Maximum Annual Withdrawal Percentage |
Protected Income Payment Percentage |
Maximum Annual Withdrawal Percentage |
Protected Income Payment Percentage |
Maximum Annual Withdrawal Percentage |
Protected Income Payment Percentage | |
One Covered Person (Age 50 - 59) |
4.25% |
3.25%(2) |
4.25% |
3.25%(2) |
3.30% |
3.30% |
One Covered Person (Age 60 - 64) |
5.25% |
3.25%(2) |
5.25% |
3.25%(2) |
3.80% |
3.80% |
One Covered Person (Age 65 - 74) |
6.50% |
4.25% |
7.75% |
3.25% |
5.30% |
5.30% |
One Covered Person (Age 75 and Older) |
7.00% |
4.25% |
8.25% |
3.25% |
5.55% |
5.55% |
Two Covered Persons (Age 50 - 59) |
3.85% |
2.85%(3) |
3.85% |
2.85%(3) |
2.90% |
2.90% |
Two Covered Persons (Age 60 - 64) |
4.85% |
2.85%(3) |
4.85% |
2.85%(3) |
3.40% |
3.40% |
Two Covered Persons (Age 65 - 74) |
6.10% |
3.85% |
7.35% |
2.85% |
4.90% |
4.90% |
Two Covered Persons (Age 75 and Older) |
6.60% |
3.85% |
7.85% |
2.85% |
5.15% |
5.15% |
Number of Covered Persons and Age of Covered Person(s) on the Activation Date(1) |
Polaris Income Max Income Option 1 |
Polaris Income Max Income Option 2 |
Polaris Income Max Income Option 3 | |||
Maximum Annual Withdrawal Percentage |
Protected Income Payment Percentage |
Maximum Annual Withdrawal Percentage |
Protected Income Payment Percentage |
Maximum Annual Withdrawal Percentage |
Protected Income Payment Percentage | |
One Covered Person (Age 50 - 59) |
4.00% |
3.00%(2) |
4.00% |
3.00%(2) |
3.00% |
3.00% |
One Covered Person (Age 60 - 64) |
5.00% |
3.00%(2) |
5.00% |
3.00%(2) |
3.50% |
3.50% |
One Covered Person (Age 65 - 71) |
6.25% |
4.00% |
7.50% |
3.00% |
5.00% |
5.00% |
One Covered Person (Age 72 and Older) |
6.75% |
4.00% |
8.00% |
3.00% |
5.25% |
5.25% |
Two Covered Persons (Age 50 - 59) |
3.60% |
2.60%(3) |
3.60% |
2.60%(3) |
2.60% |
2.60% |
Two Covered Persons (Age 60 - 64) |
4.60% |
2.60%(3) |
4.60% |
2.60%(3) |
3.10% |
3.10% |
Two Covered Persons (Age 65 - 74) |
5.85% |
3.60% |
7.10% |
2.60% |
4.60% |
4.60% |
Two Covered Persons (Age 75 and Older) |
6.35% |
3.60% |
7.60% |
2.60% |
4.85% |
4.85% |
Number of Covered Persons and Age of Covered Person(s) on the Activation Date(1) |
Polaris Income Max Income Option 1 |
Polaris Income Max Income Option 2 |
Polaris Income Max Income Option 3 |
One Covered Person (Age 50 - 59) |
4.00% / 3.00%(2) |
4.00% / 3.00%(2) |
3.00% / 3.00% |
One Covered Person (Age 60 - 64) |
5.00% / 3.00%(2) |
5.00% / 3.00%(2) |
3.50% / 3.50% |
One Covered Person (Age 65 - 71) |
6.25% / 4.00% |
7.50% / 3.00% |
5.00% / 5.00% |
One Covered Person (Age 72 and Older) |
6.75% / 4.00% |
8.00% / 3.00% |
5.25% / 5.25% |
Two Covered Persons (Age 50 - 59) |
3.50% / 3.00%(3) |
3.50% / 3.00%(3) |
2.75% / 2.75% |
Two Covered Persons (Age 60 - 64) |
4.50% / 3.00%(3) |
4.50% / 3.00%(3) |
3.25% / 3.25% |
Two Covered Persons (Age 65 - 71) |
5.75% / 4.00% |
7.00% / 3.00% |
4.50% / 4.50% |
Two Covered Persons (Age 72 and Older) |
6.25% / 4.00% |
7.50% / 3.00% |
4.75% / 4.75% |
|
Polaris Income Plus Daily Flex Income Option 1 |
Polaris Income Plus Daily Flex Income Option 2 |
Polaris Income Plus Daily Flex Income Option 3 | |||
Number of Covered Persons and Age of Covered Person(s) on the Activation Date(1) |
Maximum Annual Withdrawal Percentage |
Protected Income Payment Percentage |
Maximum Annual Withdrawal Percentage |
Protected Income Payment Percentage |
Maximum Annual Withdrawal Percentage |
Protected Income Payment Percentage |
One Covered Person (Age 45 - 59) |
4.00% |
3.00%(2) |
4.00% |
3.00%(2) |
3.30% |
3.30% |
One Covered Person (Age 60 - 64) |
5.00% |
3.00%(2) |
5.00% |
3.00%(2) |
4.00% |
4.00% |
One Covered Person (Age 65 - 74) |
6.75% |
4.25% |
7.75% |
3.25% |
5.40% |
5.40% |
One Covered Person (Age 75 and Older) |
7.25% |
4.25% |
8.25% |
3.25% |
5.70% |
5.70% |
Two Covered Persons (Age 45 - 59) |
3.75% |
2.75%(3) |
3.75% |
2.75%(3) |
2.90% |
2.90% |
Two Covered Persons (Age 60 - 64) |
4.75% |
2.75%(3) |
4.75% |
2.75%(3) |
3.60% |
3.60% |
Two Covered Persons (Age 65 - 74) |
6.50% |
4.00% |
7.50% |
3.00% |
5.00% |
5.00% |
Two Covered Persons (Age 75 and Older) |
7.00% |
4.00% |
8.00% |
3.00% |
5.30% |
5.30% |
|
Polaris Income Plus Daily Flex Income Option 1 |
Polaris Income Plus Daily Flex Income Option 2 |
Polaris Income Plus Daily Flex Income Option 3 | |||
Number of Covered Persons and Age of Covered Person(s) on the Activation Date(1) |
Maximum Annual Withdrawal Percentage |
Protected Income Payment Percentage |
Maximum Annual Withdrawal Percentage |
Protected Income Payment Percentage |
Maximum Annual Withdrawal Percentage |
Protected Income Payment Percentage |
One Covered Person (Age 45 - 59) |
3.50% |
3.00%(2) |
3.50% |
3.00%(2) |
2.90% |
2.90% |
One Covered Person (Age 60 - 64) |
4.50% |
3.00%(2) |
4.50% |
3.00%(2) |
3.40% |
3.40% |
One Covered Person (Age 65 - 74) |
6.25% |
4.25% |
7.25% |
3.25% |
5.15% |
5.15% |
One Covered Person (Age 75 and Older) |
6.75% |
4.25% |
7.75% |
3.25% |
5.40% |
5.40% |
Two Covered Persons (Age 45 - 59) |
3.10% |
2.60%(3) |
3.10% |
2.60%(3) |
2.50% |
2.50% |
Two Covered Persons (Age 60 - 64) |
4.10% |
2.60%(3) |
4.10% |
2.60%(3) |
3.00% |
3.00% |
Two Covered Persons (Age 65 - 74) |
5.85% |
3.85% |
6.85% |
2.85% |
4.75% |
4.75% |
Two Covered Persons (Age 75 and Older) |
6.35% |
3.85% |
7.35% |
2.85% |
5.00% |
5.00% |
Number of Covered Persons and Age of Covered Person(s) on the Activation Date(1) |
Polaris Income Plus Daily Flex Income Option 1 |
Polaris Income Plus Daily Flex Income Option 2 |
Polaris Income Plus Daily Flex Income Option 3 | |||
Maximum Annual Withdrawal Percentage |
Protected Income Payment Percentage |
Maximum Annual Withdrawal Percentage |
Protected Income Payment Percentage |
Maximum Annual Withdrawal Percentage |
Protected Income Payment Percentage | |
One Covered Person (Age 45 - 59) |
3.25% |
2.75%(2) |
3.25% |
2.75%(2) |
2.50% |
2.50% |
One Covered Person (Age 60 - 64) |
4.25% |
2.75%(2) |
4.25% |
2.75%(2) |
3.00% |
3.00% |
One Covered Person (Age 65 - 74) |
6.00% |
4.00% |
7.00% |
3.00% |
4.75% |
4.75% |
One Covered Person (Age 75 and Older) |
6.50% |
4.00% |
7.50% |
3.00% |
5.00% |
5.00% |
Two Covered Persons (Age 45 - 59) |
2.85% |
2.35%(3) |
2.85% |
2.35%(3) |
2.10% |
2.10% |
Two Covered Persons (Age 60 - 64) |
3.85% |
2.35%(3) |
3.85% |
2.35%(3) |
2.60% |
2.60% |
Two Covered Persons (Age 65 - 74) |
5.60% |
3.60% |
6.60% |
2.60% |
4.35% |
4.35% |
Two Covered Persons (Age 75 and Older) |
6.10% |
3.60% |
7.10% |
2.60% |
4.60% |
4.60% |
Number of Covered Persons and Age of Covered Person(s) on the Activation Date(1) |
Polaris Income Plus Daily Flex Income Option 1 |
Polaris Income Plus Daily Flex Income Option 2 |
Polaris Income Plus Daily Flex Income Option 3 |
One Covered Person (Age 45 - 59) |
3.25% / 2.75%(2) |
3.25% / 2.75%(2) |
2.50% / 2.50% |
One Covered Person (Age 60 - 64) |
4.25% / 2.75%(2) |
4.25% / 2.75%(2) |
3.00% / 3.00% |
One Covered Person (Age 65 - 71) |
6.00% / 4.00% |
7.00% / 3.00% |
4.75% / 4.75% |
One Covered Person (Age 72 and Older) |
6.50% / 4.00% |
7.50% / 3.00% |
5.00% / 5.00% |
Two Covered Persons (Age 45 - 59) |
2.75% / 2.75%(3) |
2.75% / 2.75%(3) |
2.25% / 2.25% |
Two Covered Persons (Age 60 - 64) |
3.75% / 2.75%(3) |
3.75% / 2.75%(3) |
2.75% / 2.75% |
Two Covered Persons (Age 65 - 71) |
5.50% / 4.00% |
6.50% / 3.00% |
4.25% / 4.25% |
Two Covered Persons (Age 72 and Older) |
6.00% / 4.00% |
7.00% / 3.00% |
4.50% / 4.50% |
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 |
1.25% |
2.50% |
0.60% |
±0.40% |
Two Covered Persons |
1.25% |
2.50% |
0.60% |
±0.40% |
Lifetime Income Option Change Fee* |
0.25% |
Number of Owners |
Covered Person | |
Minimum Age(1) |
Maximum Age(2) | |
One Owner |
50 |
80 |
Joint Owners(3) |
50 |
80 |
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 |
Optional Living Benefit |
Income Credit (as a percentage of the Income Credit Base) |
Income Credit Availability Prior to the Activation Date |
Income Credit Availability On or After Activation Date |
Polaris Income Plus Flex |
5.25% (For contracts purchased on or after March 30, 2020) 6% (For contracts purchased prior to March 30, 2020) |
Available during the first 12 Benefit Years – the Income Credit Base and Income Base are reduced proportionately for any withdrawals taken prior to the Activation Date |
Available during the first 12 Benefit Years – the Income Credit is reduced, but not eliminated in any Benefit Year in which cumulative withdrawals are less than the applicable Income Credit Percentage |
Polaris Income Plus Daily Flex |
Not available |
Minimum Income Base Period |
Minimum Income Base Percentage (as a Percentage of the Purchase Payments*) |
Activation Date on or after the 12th Benefit Year Anniversary |
200% of Purchase Payments* received in the 1st Benefit Year, plus 100% of Purchase Payments* received after the 1st Benefit Year |
Minimum Income Base Period (Lifetime Income is not activated prior to the Benefit Year Anniversary) |
Minimum Income Base Percentage (as a Percentage of the Purchase Payments) |
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% |
11th Benefit Year Anniversary |
155% |
12th Benefit Year Anniversary |
160% |
13th Benefit Year Anniversary |
165% |
14th Benefit Year Anniversary |
170% |
15th Benefit Year Anniversary |
175% |
Living Benefit Parameter |
Polaris Income Plus Flex |
Polaris Income Plus Daily Flex |
Initial Annual Fee |
1.25% One Covered Person 1.25% Two Covered Persons | |
Minimum Income Base |
Minimum Income Base Percentage: 200% of Purchase Payments received in 1st Benefit Year 100% of Purchase Payments received after 1st Benefit Year Minimum Income Base Period: 12 years if Lifetime Income is NOT activated |
Range of Minimum Income Base Percentage: 105% - 175% Minimum Income Base Period: Years 1-15; upon the Activation Date, no further adjustments are made to the Minimum Income Base |
Income Credit – Prior to the Activation Date |
Income Credit available in first 12 Benefit Years – the Income Credit Base and Income Base are reduced proportionately for any withdrawals taken prior to the Activation Date |
N/A |
Income Credit – On or After the Activation Date |
Income Credit available in first 12 Benefit Years – the Income Credit is reduced, but not eliminated in any Benefit Year on or after the Activation date in which cumulative withdrawals are less than the applicable Income Credit Percentage |
N/A |
Frequency of Step-up Values |
Annual |
Daily |
Investment Requirements |
10% in Secure Value Account 90% in Variable Portfolios (total of 18 investment options) |
Allocation Structure: 10% in Secure Value Account 90% in Variable Portfolios Asset Allocation Portfolios (37 investment options) or Build Your Own Allocation (76 investment options that cross 12 asset classes) |
Number of Covered Persons and Age of Covered Person(s) on the Activation Date(1) |
Polaris Income Plus Flex Income Option 1 |
Polaris Income Plus Flex Income Option 2 |
Polaris Income Plus Flex Income Option 3 |
One Covered Person (Age 45 - 59) |
3.50% / 3.00%(2) |
3.50% / 3.00%(2) |
2.75% / 2.75% |
One Covered Person (Age 60 - 64) |
4.50% / 3.00%(2) |
4.50% / 3.00%(2) |
3.25% / 3.25% |
One Covered Person (Age 65 - 71) |
6.00% / 4.00% |
7.00% / 3.00% |
4.75% / 4.75% |
One Covered Person (Age 72 and Older) |
6.50% / 4.00% |
7.50% / 3.00% |
5.00% / 5.00% |
Two Covered Persons (Age 45 - 59) |
3.00% / 3.00%(3) |
3.00% / 3.00%(3) |
2.50% / 2.50% |
Two Covered Persons (Age 60 - 64) |
4.00% / 3.00%(3) |
4.00% / 3.00%(3) |
3.00% / 3.00% |
Two Covered Persons (Age 65 - 71) |
5.50% / 4.00% |
6.50% / 3.00% |
4.25% / 4.25% |
Two Covered Persons (Age 72 and Older) |
6.00% / 4.00% |
7.00% / 3.00% |
4.50% / 4.50% |
Number of Covered Persons and Age of Covered Person(s) on the Activation Date(1) |
Polaris Income Plus Flex Income Option 1 |
Polaris Income Plus Flex Income Option 2 |
Polaris Income Plus Flex Income Option 3 |
One Covered Person (Age 45 - 59) |
4.00% / 3.00%(2) |
4.00% / 3.00%(2) |
3.25% / 3.25% |
One Covered Person (Age 60 - 64) |
5.00% / 3.00%(2) |
5.00% / 3.00%(2) |
3.75% / 3.75% |
One Covered Person (Age 65 - 71) |
6.50% / 4.00% |
7.50% / 3.00% |
5.25% / 5.25% |
One Covered Person (Age 72 and Older) |
7.00% / 4.00% |
8.00% / 3.00% |
5.50% / 5.50% |
Two Covered Persons (Age 45 - 59) |
3.50% / 3.00%(3) |
3.50% / 3.00%(3) |
3.00% / 3.00% |
Two Covered Persons (Age 60 - 64) |
4.50% / 3.00%(3) |
4.50% / 3.00%(3) |
3.50% / 3.50% |
Two Covered Persons (Age 65 - 71) |
6.00% / 4.00% |
7.00% / 3.00% |
4.75% / 4.75% |
Two Covered Persons (Age 72 and Older) |
6.50% / 4.00% |
7.50% / 3.00% |
5.00% / 5.00% |
Number of Covered Persons and Age of Covered Person(s) on the Activation Date(1) |
Polaris Income Plus Flex Income Option 1 |
Polaris Income Plus Flex Income Option 2 |
Polaris Income Plus Flex Income Option 3 |
One Covered Person (Age 45 - 59) |
4.50% / 3.00%(2) |
4.50% / 3.00%(2) |
3.75% / 3.75% |
One Covered Person (Age 60 - 64) |
5.50% / 3.00%(2) |
5.50% / 3.00%(2) |
4.25% / 4.25% |
One Covered Person (Age 65 - 71) |
6.50% / 4.50% |
7.50% / 3.50% |
5.50% / 5.50% |
One Covered Person (Age 72 and Older) |
7.00% / 4.50% |
8.00% / 3.50% |
5.75% / 5.75% |
Two Covered Persons (Age 45 - 59) |
3.50% / 3.00%(3) |
3.50% / 3.00%(3) |
3.25% / 3.25% |
Two Covered Persons (Age 60 - 64) |
4.50% / 3.00%(3) |
4.50% / 3.00%(3) |
3.75% / 3.75% |
Two Covered Persons (Age 65 - 71) |
6.00% / 4.50% |
7.00% / 3.50% |
5.00% / 5.00% |
Two Covered Persons (Age 72 and Older) |
6.50% / 4.50% |
7.50% / 3.50% |
5.25% / 5.25% |
Number of Covered Persons and Age of Covered Person(s) on the Activation Date(1) |
Polaris Income Plus Daily Flex Income Option 1 |
Polaris Income Plus Daily Flex Income Option 2 |
Polaris Income Plus Daily Flex Income Option 3 |
One Covered Person (Age 45 - 59) |
3.25% / 2.75%(2) |
3.25% / 2.75%(2) |
2.50% / 2.50% |
One Covered Person (Age 60 - 64) |
4.25% / 2.75%(2) |
4.25% / 2.75%(2) |
3.00% / 3.00% |
One Covered Person (Age 65 - 71) |
6.00% / 4.00% |
7.00% / 3.00% |
4.75% / 4.75% |
One Covered Person (Age 72 and Older) |
6.50% / 4.00% |
7.50% / 3.00% |
5.00% / 5.00% |
Two Covered Persons (Age 45 - 59) |
2.75% / 2.75%(3) |
2.75% / 2.75%(3) |
2.25% / 2.25% |
Two Covered Persons (Age 60 - 64) |
3.75% / 2.75%(3) |
3.75% / 2.75%(3) |
2.75% / 2.75% |
Two Covered Persons (Age 65 - 71) |
5.50% / 4.00% |
6.50% / 3.00% |
4.25% / 4.25% |
Two Covered Persons (Age 72 and Older) |
6.00% / 4.00% |
7.00% / 3.00% |
4.50% / 4.50% |
Number of Covered Persons and Age of Covered Person(s) on the Activation Date(1) |
Polaris Income Plus Daily Flex Income Option 1 |
Polaris Income Plus Daily Flex Income Option 2 |
Polaris Income Plus Daily Flex Income Option 3 |
One Covered Person (Age 45 - 59) |
3.75% / 2.75%(2) |
3.75% / 2.75%(2) |
3.00% / 3.00% |
One Covered Person (Age 60 - 64) |
4.75% / 2.75%(2) |
4.75% / 2.75%(2) |
3.50% / 3.50% |
One Covered Person (Age 65 - 71) |
6.50% / 4.00% |
7.50% / 3.00% |
5.25% / 5.25% |
One Covered Person (Age 72 and Older) |
7.00% / 4.00% |
8.00% / 3.00% |
5.50% / 5.50% |
Two Covered Persons (Age 45 - 59) |
3.25% / 2.75%(3) |
3.25% / 2.75%(3) |
2.75% / 2.75% |
Two Covered Persons (Age 60 - 64) |
4.25% / 2.75%(3) |
4.25% / 2.75%(3) |
3.25% / 3.25% |
Two Covered Persons (Age 65 - 71) |
6.00% / 4.00% |
7.00% / 3.00% |
4.75% / 4.75% |
Two Covered Persons (Age 72 and Older) |
6.50% / 4.00% |
7.50% / 3.00% |
5.00% / 5.00% |
Number of Covered Persons and Age of Covered Person(s) on the Activation Date(1) |
Polaris Income Plus Daily Flex Income Option 1 |
Polaris Income Plus Daily Flex Income Option 2 |
Polaris Income Plus Daily Flex Income Option 3 |
One Covered Person (Age 45 - 59) |
4.25% / 2.75%(2) |
4.25% / 2.75%(2) |
3.50% / 3.50% |
One Covered Person (Age 60 - 64) |
5.25% / 3.00%(2) |
5.25% / 3.00%(2) |
4.00% / 4.00% |
One Covered Person (Age 65 - 71) |
6.50% / 4.50% |
7.50% / 3.50% |
5.50% / 5.50% |
One Covered Person (Age 72 and Older) |
7.00% / 4.50% |
8.00% / 3.50% |
5.75% / 5.75% |
Two Covered Persons (Age 45 - 59) |
3.25% / 2.75%(3) |
3.25% / 2.75%(3) |
3.00% / 3.00% |
Two Covered Persons (Age 60 - 64) |
4.25% / 3.00%(3) |
4.25% / 3.00%(3) |
3.50% / 3.50% |
Two Covered Persons (Age 65 - 71) |
6.00% / 4.50% |
7.00% / 3.50% |
5.00% / 5.00% |
Two Covered Persons (Age 72 and Older) |
6.50% / 4.50% |
7.50% / 3.50% |
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 |
1.25% |
2.50% |
0.60% |
±0.40% |
Two Covered Persons |
1.25% |
2.50% |
0.60% |
±0.40% |
Lifetime Income Option Change Fee* |
0.25% |
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% |
11th Benefit Year Anniversary |
155% |
12th Benefit Year Anniversary |
160% |
13th Benefit Year Anniversary |
165% |
14th Benefit Year Anniversary |
170% |
15th Benefit Year Anniversary |
175% |
Number of Covered Person and Age of Covered Person at First Withdrawal(1) |
Polaris Income Plus Daily Income Option 1 |
Polaris Income Plus Daily Income Option 2 |
Polaris Income Plus Daily Income Option 3 |
One Covered Person (Age 45 - 59) |
3.75% / 2.75%(2) |
3.75% / 2.75%(2) |
3.00% / 3.00% |
One Covered Person (Age 60 - 64) |
4.75% / 2.75%(2) |
4.75% / 2.75%.(2) |
3.50% / 3.50% |
One Covered Person (Age 65 - 71) |
6.50% / 4.00% |
7.50% / 3.00% |
5.25% / 5.25% |
One Covered Person (Age 72 and Older) |
7.00% / 4.00% |
8.00% / 3.00% |
5.50% / 5.50% |
Two Covered Persons (Age 45 - 59) |
3.25% / 2.75%(3) |
3.25% / 2.75%(3) |
2.75% / 2.75% |
Two Covered Persons (Age 60 - 64) |
4.25% / 2.75%(3) |
4.25% / 2.75%(3) |
3.25% / 3.25% |
Two Covered Persons (Age 65 - 71) |
6.00% / 4.00% |
7.00% / 3.00% |
4.75% / 4.75% |
Two Covered Persons (Age 72 and Older) |
6.50% / 4.00% |
7.50% / 3.00% |
5.00% / 5.00% |
Number of Covered Persons and Age of Covered Person at First Withdrawal(1) |
Polaris Income Plus Daily Income Option 1 |
Polaris Income Plus Daily Income Option 2 |
Polaris Income Plus Daily Income Option 3 |
One Covered Person (Age 45 - 59) |
3.75% / 2.75%(2) |
3.75% / 2.75%(2) |
3.00% / 3.00% |
One Covered Person (Age 60 - 64) |
4.75% / 2.75%(2) |
4.75% / 2.75%(2) |
3.50% / 3.50% |
One Covered Person (Age 65 - 71) |
6.00% / 4.00% |
7.00% / 3.00% |
5.00% / 5.00% |
One Covered Person (Age 72 and Older) |
6.50% / 4.00% |
7.50% / 3.00% |
5.25% / 5.25% |
Two Covered Persons (Age 45 - 59) |
3.25% / 2.75%(3) |
3.25% / 2.75%(3) |
2.75% / 2.75% |
Two Covered Persons (Age 60 - 64) |
4.25% / 2.75%(3) |
4.25% / 2.75%(3) |
3.25% / 3.25% |
Two Covered Persons (Age 65 - 71) |
5.50% / 4.00% |
6.50% / 3.00% |
4.50% / 4.50% |
Two Covered Persons (Age 72 and Older) |
6.00% / 4.00% |
7.00% / 3.00% |
4.75% / 4.75% |
Number of Covered Persons and Age of Covered Person at First Withdrawal(1) |
Polaris Income Plus Daily Income Option 1 |
Polaris Income Plus Daily Income Option 2 |
Polaris Income Plus Daily Income Option 3 |
One Covered Person (Age 45 - 59) |
4.00% / 3.00%(2) |
4.00% / 3.00%(2) |
3.25% / 3.25% |
One Covered Person (Age 60 - 64) |
5.00% / 3.00%(2) |
5.00% / 3.00%(2) |
3.75% / 3.75% |
One Covered Person (Age 65 - 71) |
6.00% / 4.00% |
7.00% / 3.00% |
5.00% / 5.00% |
One Covered Person (Age 72 and Older) |
6.50% / 4.00% |
7.50% / 3.00% |
5.25% / 5.25% |
Two Covered Persons (Age 45 - 59) |
3.50% / 3.00%(3) |
3.50% / 3.00%(3) |
3.00% / 3.0% |
Two Covered Persons (Age 60 - 64) |
4.50% / 3.00%(3) |
4.50% / 3.00%(3) |
3.50% / 3.50% |
Two Covered Persons (Age 65 - 71) |
5.50% / 4.00% |
6.50% / 3.00% |
4.50% / 4.50% |
Two Covered Persons (Age 72 and Older) |
6.00% / 4.00% |
7.00% / 3.00% |
4.75% / 4.75% |
Number of Covered Persons and Age of Covered Person at First Withdrawal(1) |
Polaris Income Plus Daily Income Option 1 |
Polaris Income Plus Daily Income Option 2 |
Polaris Income Plus Daily Income Option 3 |
One Covered Person (Age 45 - 59) |
3.5% / 2.5%(4) |
3.5% / 2.5%(4) |
2.75% / 2.75% |
One Covered Person (Age 60 - 64) |
4.5% / 2.5%(4) |
4.5% / 2.5%(4) |
3.25% / 3.25% |
One Covered Person (Age 65 - 67) |
5.5% / 3.5% |
6.5% / 2.5% |
4.50% / 4.50% |
One Covered Person (Age 68 - 71) |
6.0% / 4.0% |
7.0% / 3.0% |
5.00% / 5.00% |
One Covered Person (Age 72 and Older) |
6.5% / 4.0% |
7.5% / 3.0% |
5.25% / 5.25% |
Two Covered Persons (Age 45 - 59) |
3.0% / 2.5%(5) |
3.0% / 2.5%(5) |
2.50% / 2.50% |
Two Covered Persons (Age 60 - 64) |
4.0% / 2.5%(5) |
4.0% / 2.5%(5) |
3.00% / 3.00% |
Two Covered Persons (Age 65 - 67) |
5.0% / 3.5% |
6.0% / 2.5% |
4.00% / 4.00% |
Two Covered Persons (Age 68 - 71) |
5.5% / 4.0% |
6.5% / 3.0% |
4.50% / 4.50% |
Two Covered Persons (Age 72 and Older) |
6.0% / 4.0% |
7.0% / 3.0% |
4.75% / 4.75% |
Number of Covered Persons and Age of Covered Person at First Withdrawal(1) |
Polaris Income Plus Daily Income Option 1 |
Polaris Income Plus Daily Income Option 2 |
Polaris Income Plus Daily Income Option 3 |
One Covered Person (Age 45 - 64) |
5.50% / 3.00%(2) |
5.50% / 3.00%(2) |
4.00% / 4.0% |
One Covered Person (Age 65 and Older) |
6.00% / 4.00% |
7.00% / 3.00% |
5.00% / 5.00% |
Two Covered Persons (Age 45 - 64) |
5.00% / 3.00%(3) |
5.00% / 3.00%(3) |
3.50% / 3.50% |
Two Covered Persons (Age 65 and Older) |
5.50% / 4.00% |
6.50% / 3.00% |
4.50% / 4.50% |
Number of Covered Persons and Age of Covered Person at First Withdrawal(1) |
Polaris Income Plus Daily Income Option 1 |
Polaris Income Plus Daily Income Option 2 |
Polaris Income Plus Daily Income Option 3 |
One Covered Person (Age 45 - 64) |
5.00% / 2.50%(4) |
5.00% / 2.50%(4) |
3.50% / 3.50% |
One Covered Person (Age 65 and Older) |
5.50% / 3.50% |
6.50% / 2.50% |
4.50% / 4.50% |
Two Covered Persons (Age 45 - 64) |
4.50% / 2.50%(5) |
4.50% / 2.50%(5) |
3.00% / 3.00% |
Two Covered Persons (Age 65 and Older) |
5.00% / 3.50% |
6.00% / 2.50% |
4.00% / 4.00% |
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 |
1.15% |
2.50% |
0.60% |
±0.40% |
Two Covered Persons |
1.35% |
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 |
1.25% |
2.20% |
0.60% |
±0.25% |
Two Covered Persons |
1.45% |
2.70% |
0.60% |
±0.25% |
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 |
1.10% |
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 |
First Contract Year |
Subsequent Contract Years |
100% of Purchase Payments received |
Only Purchase Payments received in First Contract Year are considered Eligible Purchase Payments |
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 Persons and Age of Covered Person at First Withdrawal(1) |
Polaris Income Plus Income Option 1 |
Polaris Income Plus Income Option 2 |
Polaris Income Plus Income Option 3 |
One Covered Person (Age 45 - 59) |
4.50% / 3.00%(2) |
4.50% / 3.0%(2) |
3.75% / 3.75% |
One Covered Person (Age 60 - 64) |
5.50% / 3.00%(2) |
5.50% / 3.0%(2) |
4.25% / 4.25% |
One Covered Person (Age 65 - 71) |
6.50% / 4.00% |
7.50% / 3.50% |
5.50% / 5.50% |
One Covered Person (Age 72 and Older) |
7.00% / 4.00% |
8.00% / 3.50% |
5.75% / 5.75% |
Two Covered Persons (Age 45 - 59) |
3.50% / 3.00%(3) |
3.50% / 3.00%(3) |
3.25% / 3.25% |
Two Covered Persons (Age 60 - 64) |
4.50% / 3.00%(3) |
4.50% / 3.00%(3) |
3.75% / 3.75% |
Two Covered Persons (Age 65 - 71) |
6.00% / 4.00% |
7.00% / 3.50% |
5.00% / 5.00% |
Two Covered Persons (Age 72 and Older) |
6.50% / 4.00% |
7.50% / 3.50% |
5.25% / 5.25% |
Number of Covered Persons and Age of Covered Person at First Withdrawal(1) |
Polaris Income Plus Income Option 1 |
Polaris Income Plus Income Option 2 |
Polaris Income Plus Income Option 3 |
One Covered Person (Age 45 - 59) |
4.00% / 3.00%(2) |
4.00% / 3.00%(2) |
3.25% / 3.25% |
One Covered Person (Age 60 - 64) |
5.00% / 3.00%(2) |
5.00% / 3.00%(2) |
3.75% / 3.75% |
One Covered Person (Age 65 - 71) |
6.50% / 4.00% |
7.50% / 3.00% |
5.25% / 5.25% |
One Covered Person (Age 72 and Older) |
7.00% / 4.00% |
8.00% / 3.00% |
5.50% / 5.50% |
Two Covered Persons (Age 45 - 59) |
3.50% / 3.00%(3) |
3.50% / 3.00%(3) |
3.00% / 3.00% |
Two Covered Persons (Age 60 - 64) |
4.50% / 3.00%(3) |
4.50% / 3.00%(3) |
3.50% / 3.50% |
Two Covered Persons (Age 65 - 71) |
6.00% / 4.00% |
7.00% / 3.00% |
4.75% / 4.75% |
Two Covered Persons (Age 72 and Older) |
6.50% / 4.00% |
7.50% / 3.00% |
5.00% / 5.00% |
Number of Covered Persons and Age of Covered Person at First Withdrawal(1) |
Polaris Income Plus Income Option 1 |
Polaris Income Plus Income Option 2 |
Polaris Income Plus Income Option 3 |
One Covered Person (Age 45 - 59) |
4.00% / 3.00%(2) |
4.00% / 3.00%(2) |
3.25% / 3.25% |
One Covered Person (Age 60 - 64) |
5.00% / 3.00%(2) |
5.00% / 3.00%(2) |
3.75% / 3.75% |
One Covered Person (Age 65 - 71) |
6.00% / 4.00% |
7.00% / 3.00% |
5.00% / 5.00% |
One Covered Person (Age 72 and Older) |
6.50% / 4.00% |
7.50% / 3.00% |
5.25% / 5.25% |
Two Covered Persons (Age 45 - 59) |
3.50% / 3.00%(3) |
3.50% / 3.00%(3) |
3.00% / 3.00% |
Two Covered Persons (Age 60 - 64) |
4.50% / 3.00%(3) |
4.50% / 3.00%(3) |
3.50% / 3.50% |
Two Covered Persons (Age 65 - 71) |
5.50% / 4.00% |
6.50% / 3.00% |
4.50% / 4.50% |
Two Covered Persons (Age 72 and Older) |
6.00% / 4.00% |
7.00% / 3.00% |
4.75% / 4.75% |
Number of Covered Persons and Age of Covered Person at First Withdrawal(1) |
Polaris Income Plus Income Option 1 |
Polaris Income Plus Income Option 2 |
Polaris Income Plus Income Option 3 |
One Covered Person (Age 64 and Younger) |
5.50% / 3.00%(2) |
5.50% / 3.00%(2) |
4.00% / 4.00% |
One Covered Person (Age 65 and Older) |
6.00% / 4.00% |
7.00% / 3.00% |
5.00% / 5.00% |
Two Covered Persons (Age 64 and Younger) |
5.00% / 3.00%(3) |
5.00% / 3.00%(3) |
3.50% /3.50% |
Two Covered Persons (Age 65 and Older) |
5.50% / 4.00% |
6.50% / 3.00% |
4.50% / 4.50% |
Number of Covered Persons and Age of Covered Person at First Withdrawal(1) |
Polaris Income Plus Income Option 1 |
Polaris Income Plus Income Option 2 |
Polaris Income Plus Income Option 3 |
One Covered Person (Age 64 and Younger) |
5.00% / 3.00%(2) |
5.00% / 3.00%(2) |
3.75% / 3.75% |
One Covered Person (Age 65 and Older) |
5.50% / 4.00% |
6.50% / 3.00% |
5.00% / 5.00% |
Two Covered Persons (Age 64 and Younger) |
4.50% / 3.00%(3) |
4.50% / 3.00%(3) |
3.25% /3.25% |
Two Covered Persons (Age 65 and Older) |
5.50% / 4.00% |
6.00% / 3.00% |
4.50% / 4.50% |
Number of Covered Persons and Age of Covered Person at First Withdrawal(1) |
Polaris Income Plus Income Option with Custom Allocation |
One Covered Person (Age 64 and Younger) |
4.5% / 3.0%(2) |
One Covered Person (Age 65 and Older) |
4.5% / 4.0% |
Two Covered Persons (Age 64 and Younger) |
4.0% / 3.0%(3) |
Two Covered Persons (Age 65 and Older) |
4.0% / 4.0% |
Number of Covered Persons and Age of Covered Person at First Withdrawal(1) |
Polaris Income Plus Income Option 1 |
Polaris Income Plus Income Option 2 |
Polaris Income Plus Income Option 3 |
Polaris Income Plus Income Option with Custom Allocation |
One Covered Person (Age 64 and Younger) |
5.5% / 3.0%(2) |
5.5% / 3.0%(2) |
3.75% / 3.75% |
4.5% / 3.0%(2) |
One Covered Person (Age 65 and Older) |
5.5% / 4.0% |
6.5% / 3.0% |
5.0% / 5.0% |
4.5% / 4.0% |
Two Covered Persons (Age 64 and Younger) |
5.0% / 3.0%(3) |
5.0% / 3.0%(3) |
3.25% / 3.25% |
4.0% / 3.0%(3) |
Two Covered Persons (Age 65 and Older) |
5.0% / 4.0% |
6.0% / 3.0% |
4.5% / 4.5% |
4.0% / 4.0% |
Number of Covered Persons and Age of Covered Person at First Withdrawal(1) |
Polaris Income Plus Income Option 1 |
Polaris Income Plus Income Option 2 |
Polaris Income Plus Income Option 3 |
One Covered Person (Age 64 and Younger) |
6.0% / 3.0%(2) |
6.0% / 3.0%(2) |
4.0% / 4.0% |
One Covered Person (Age 65 and Older) |
6.0% / 4.0% |
7.0% / 3.0% |
5.25% / 5.25% |
Two Covered Persons (Age 64 and Younger) |
5.5% / 3.0%(3) |
5.5% / 3.0%(3) |
3.5% / 3.5% |
Two Covered Persons (Age 65 and Older) |
5.5% / 4.0% |
6.5% / 3.0% |
4.75% / 4.75% |
Number of Covered Persons and Age of Covered Person at First Withdrawal(1) |
Polaris Income Plus Income Option with Custom Allocation |
One Covered Person (Age 64 and Younger) |
4.0% / 4.0%(2) |
One Covered Person (Age 65 and Older) |
5.0% / 5.0% |
Two Covered Persons (Age 64 and Younger) |
3.5% / 3.5%(3) |
Two Covered Persons (Age 65 and Older) |
4.5% / 4.5% |
Number of Covered Persons and Age of Covered Person at First Withdrawal(1) |
Polaris Income Plus |
Polaris Income Plus Income Option 1 |
Polaris Income Plus Income Option 2 |
One Covered Person (Age 64 and Younger) |
4.0% / 4.0%(2) |
6.0% / 3.0%(2) |
6.0% / 3.0% |
One Covered Person (Age 65 and Older) |
5.0% / 5.0% |
6.0% / 4.0% |
7.0% / 3.0% |
Two Covered Persons (Age 64 and Younger) |
3.5% / 3.5%(3) |
5.5% / 3.0%(3) |
5.5% / 3.0% |
Two Covered Persons (Age 65 and Older) |
4.5% / 4.5% |
5.5% / 4.0% |
6.5% / 3.0% |
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 |
For contracts purchased between the following dates: |
Income Credit (as a percentage of Income Credit Base) |
Income Credit Availability |
August 22, 2016 – April 30, 2018 |
5.0% |
Available during the first 12 Benefit Years – the Income Credit is eliminated in years withdrawals are taken |
February 12, 2013 – August 21, 2016 |
6.0% | |
Prior to February 11, 2013 |
8.0% |
Number of Covered Persons and Age of Covered Person at First Withdrawal(1) |
MAWP/PIPP |
One Covered Person (Age 65 and Older) |
5.40% / 5.40% |
Two Covered Persons (Age 65 and Older) |
4.90% / 4.90% |
Number of Covered Persons and Age of Covered Person at First Withdrawal(1) |
MAWP/PIPP |
One Covered Person (Age 65 and Older) |
5.50% / 5.25% |
Two Covered Persons (Age 65 and Older) |
5.0% / 4.75% |
Number of Covered Persons and Age of Covered Person at First Withdrawal(1) |
MAWP/PIPP |
One Covered Person (Age 65 and Older) |
5.25% / 5.0% |
Two Covered Persons (Age 65 and Older) |
4.75% / 4.5% |
Number of Covered Persons and Age of Covered Person at First Withdrawal(1) |
Polaris Income Builder |
One Covered Person (Age 64 and Younger) |
3.75% / 3.75% |
One Covered Person (Age 65 and Older) |
4.75% / 4.75% |
Two Covered Persons (Age 64 and Younger) |
3.25% / 3.25% |
Two Covered Persons (Age 65 and Older) |
4.25% / 4.25% |
Number of Covered Persons and Age of Covered Person at First Withdrawal(1) |
Polaris Income Builder |
One Covered Person (Age 64 and Younger) |
4.0% / 4.0% |
One Covered Person (Age 65 and Older) |
5.0% / 5.0% |
Two Covered Persons (Age 64 and Younger) |
3.5% / 3.5% |
Two Covered Persons (Age 65 and Older) |
4.5% / 4.5% |
Number of Covered Persons and Age of Covered Person at First Withdrawal(1) |
Polaris Income Builder Income Option 1 |
Polaris Income Builder Income Option 2 |
One Covered Person (Age 64 and Younger) |
5.5% / 3.0%(2) |
5.5% / 3.0%(2) |
One Covered Person (Age 65 and Older) |
5.5% / 4.0% |
6.5% / 3.0% |
Two Covered Persons (Age 64 and Younger) |
5.0% / 3.0%(3) |
5.0% / 3.0%(3) |
Two Covered Persons (Age 65 and Older) |
5.0% / 4.0% |
6.0% / 3.0% |
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 |
Age of the Covered Person at Time of First Withdrawal |
Maximum Annual Withdrawal Percentage |
At least age 45 but prior to 65th birthday |
4% of Income Base |
At least age 65 but prior to 76th birthday |
5% of Income Base |
On or after 76th birthday |
6% of Income Base |
Age of the Younger Covered Person or Surviving Covered Person at Time of First Withdrawal |
Maximum Annual Withdrawal Percentage |
At least age 45 but prior to 65th birthday |
4% of Income Base |
At least age 65 but prior to 76th birthday |
4.75% of Income Base |
On or after 76th birthday |
5.75% of Income Base |
First Contract Year |
Subsequent Contract Years |
100% of Purchase Payments Received |
Purchase Payments received in contract years 2-5, capped at 100% of Purchase Payments received in the first contract year |
Number of Covered Persons |
Annual Fee Rate |
For One Covered Person |
0.70% of Income Base |
For Two Covered Persons |
0.95% of Income Base |
|
Covered Person | |
Minimum Age |
Maximum Age | |
One Owner |
45 |
80 |
Joint Owners(1) |
45 |
80 |
|
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 6-10 |
10th Benefit Year Anniversary |
Years 10+ |
Benefit Year Anniversary following the receipt of the cancellation request |
|
Covered Person | |
Minimum Age |
Maximum Age(1) | |
One Owner |
45 |
80 |
Joint Owners (based on the age of the older Owner) |
45 |
80 |
|
Covered Person #1 |
Covered Person #2 | ||
Minimum Age |
Maximum Age(1) |
Minimum Age |
Maximum Age(1) | |
Non-Qualified: Joint Owners |
45 |
80 |
45 |
85 |
Non-Qualified: One Owner with Spousal Beneficiary |
45 |
80 |
45 |
N/A(2) |
Qualified: One Owner with Spousal Beneficiary |
45 |
80 |
45 |
N/A(2) |
Age of the Covered Person at Time of First Withdrawal |
Maximum Annual Withdrawal Percentage |
Prior to 65th birthday |
4% of Income Base |
On or after 65th birthday |
5% of Income Base |
Age of the Younger Covered Person or Surviving Covered Person at Time of First Withdrawal |
Maximum Annual Withdrawal Percentage |
Prior to 65th birthday |
4% of Income Base |
On or after 65th birthday |
4.75% of Income Base |
Number of Covered Persons |
Annualized Fee |
For One Covered Person |
1.10% of Income Base |
For Two Covered Persons |
1.35% of Income Base |
|
Covered Person | |
Minimum Age |
Maximum Age(1) | |
One Owner |
45 |
80 |
Joint Owners (based on the age of the older Owner) |
45 |
80 |
|
Covered Person #1 |
Covered Person #2 | ||
Minimum Age |
Maximum Age(1) |
Minimum Age |
Maximum Age(1) | |
Non-Qualified: Joint Owners |
45 |
80 |
45 |
85 |
Non-Qualified: One Owner with Spousal Beneficiary |
45 |
80 |
45 |
N/A(2) |
Qualified: One Owner with Spousal Beneficiary |
45 |
80 |
45 |
N/A(2) |
Age of the Covered Person at Time of First Withdrawal |
Maximum Annual Withdrawal Percentage |
At least age 45 but prior to 65th birthday |
4% of Income Base |
At least age 65 but prior to 76th birthday |
5% of Income Base |
On or after 76th birthday |
6% of Income Base |
Age of the Younger Covered Person or Surviving Covered Person at Time of First Withdrawal |
Maximum Annual Withdrawal Percentage |
At least age 45 but prior to 65th birthday |
4% of Income Base |
At least age 65 but prior to 76th birthday |
4.75% of Income Base |
On or after 76th birthday |
5.75% of Income Base |
Number of Covered Persons |
Annualized Fee |
For One Covered Person |
0.95% of Income Base |
For Two Covered Persons |
1.25% of Income Base |
Standard and Maximum Anniversary Value death benefits for contracts issued between June 20, 2011 and April 30, 2017 |
G-1 |
Standard and Maximum Anniversary Value death benefits for contracts issued between May 1, 2009 and June 19, 2011 |
G-4 |
Combination HV & Roll-Up death benefit for contracts issued prior to January 23, 2012 |
G-3 |
|
|
Base Contract Expense |
1.30% |
Maximum Anniversary Value Death Benefit Fee, if elected |
0.25% |
Early Access* Fee, if elected |
0.40% |
Maximum Annual Contract Expenses |
1.95% |
Years Since Purchase Payment Receipt |
1 |
2 |
3 |
4 |
5 |
6 |
7 |
8+ |
Withdrawal Charge |
7% |
6% |
6% |
5% |
4% |
3% |
2% |
0% |
During the first contract year, your maximum annual penalty-free withdrawal amount is the greatest of: |
(1)Your penalty-free earnings; or |
(2)If you are participating in the Systematic Withdrawal program, a total of 10% of your total invested amount; or |
(3)the Maximum Annual Withdrawal Amount allowed under the Living Benefit you elected. |
After the first contract year, your maximum annual penalty-free withdrawal amount is the greatest of: |
(1)your penalty-free earnings; or |
(2)10% of the portion of your total invested amount that has been in your contract for at least one year and still subject to a withdrawal charge; or |
(3)the Maximum Annual Withdrawal amount allowed under the Living Benefit you elected. |
During the first contract year, your maximum annual penalty-free withdrawal amount is the greater of: |
(1)your penalty-free earnings; or |
(2)if you are participating in the Systematic Withdrawal program, a total of 10% of your total invested amount |
After the first contract year, your maximum annual penalty-free withdrawal amount is the greater of: |
(1)your penalty-free earnings; or |
(2)10% of the portion of your total invested amount that has been in your contract for at least one year and still subject to a withdrawal charge |
Values as of |
Purchase Payment Invested |
Contract Value |
Net Purchase Payments |
Return of Purchase Payment Death Benefit |
Issue Date |
$100,000 |
$100,000 |
$100,000 |
$100,000 |
Values as of |
Purchase Payment Invested |
Assumed Contract Value |
Net Purchase Payments |
Return of Purchase Payment Death Benefit |
Contract Date |
$100,000 |
$100,000 |
$100,000 |
$100,000 |
Year 1 |
$60,000 |
$165,000 |
$160,000 |
$165,000 |
1st Anniversary |
— |
$155,000 |
$160,000 |
$160,000 |
Year 2 |
$90,000 |
$245,000 |
$250,000 |
$250,000 |
2nd Anniversary |
— |
$260,000 |
$250,000 |
$260,000 |
Values as of |
Assumed Contract Value |
Withdrawal Taken |
Contract Value After Withdrawal |
Net Purchase Payments |
Return of Purchase Payment Death Benefit |
Year 3 |
$300,000 |
$15,000 |
$285,000 |
$237,500 |
$285,000 |
3rd Anniversary |
$265,000 |
— |
$265,000 |
$237,500 |
$265,000 |
Year 4 |
$230,000 |
$23,000 |
$207,000 |
$213,750 |
$213,750 |
4th Anniversary |
$220,000 |
— |
$220,000 |
$213,750 |
$220,000 |
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 Death Benefit |
Issue Date |
$100,000 |
$100,000 |
— |
$100,000 |
$100,000 |
Year 1 |
$60,000 |
$165,000 |
— |
$160,000 |
$165,000 |
1st Anniversary |
— |
$155,000 |
$155,000 |
$160,000 |
$160,000 |
Year 2 |
$90,000 |
$245,000 |
— |
$250,000 |
$250,000 |
2nd Anniversary |
— |
$260,000 |
$260,000 |
$250,000 |
$260,000 |
Values as of |
Assumed Contract Value |
Withdrawal Taken |
Anniversary Value |
Net Purchase Payments |
Maximum Anniversary Value |
Maximum Anniversary Value Death Benefit |
Year 3 |
$300,000 |
$15,000 |
— |
$237,500 |
$247,000 |
$285,000 |
3rd Anniversary |
$265,000 |
— |
$265,000 |
$237,500 |
$265,000 |
$265,000 |
Year 4 |
$230,000 |
$23,000 |
— |
$213,750 |
$238,500 |
$238,500 |
4th Anniversary |
$220,000 |
— |
$220,000 |
$213,750 |
$238,500 |
$238,500 |
Values as of |
Purchase Payment Invested |
Contract Value |
Net Purchase Payments |
Return of Purchase Payment Death Benefit |
Issue Date |
$100,000 |
$100,000 |
$100,000 |
$100,000 |
Value as of |
Assumed Contract Value |
Withdrawal Taken |
Anniversary Value |
Net Purchase Payments |
Return of Purchase Payment Death Benefit |
3rd Anniversary |
$300,000 |
— |
$300,000 |
$250,000 |
$300,000 |
Year 4 |
$305,000 |
$5,000 |
— |
$245,902 |
$300,000 |
4th Anniversary |
$312,000 |
— |
$312,000 |
$245,902 |
$312,000 |
Values as of |
Assumed Contract Value |
Withdrawal Taken |
Anniversary Value |
Assumed Maximum Annual Withdrawal Amount |
Net Purchase Payments |
Return of Purchase Payment Death Benefit |
4th Anniversary |
$312,000 |
— |
$312,000 |
$19,500 |
$245,902 |
$312,000 |
Year 5 |
$302,000 |
$19,500 |
— |
$19,500 |
$226,402 |
$282,500 |
5th Anniversary |
$305,000 |
— |
$305,000 |
$19,500 |
$226,402 |
$305,000 |
Values as of |
Assumed Contract Value |
Withdrawal Taken |
Anniversary Value |
Assumed Maximum Annual Withdrawal Amount |
Net Purchase Payments |
Return of Purchase Payment Death Benefit |
5th Anniversary |
$305,000 |
— |
$305,000 |
$19,500 |
$226,402 |
$305,000 |
Year 6 |
$305,000 |
$24,960 |
— |
$19,127 |
$202,945 |
$280,040 |
6th Anniversary |
$280,000 |
— |
$280,000 |
$19,127 |
$202,945 |
$280,000 |
Year 7 |
$290,000 |
$24,483 |
— |
$18,749 |
$180,183 |
$265,517 |
7th Anniversary |
$260,000 |
— |
$260,000 |
$18,749 |
$180,183 |
$260,000 |
Value as of |
Purchase Payments Invested |
Contract Value |
Net Purchase Payments |
Maximum Anniversary Value Death Benefit |
Issue Date |
$100,000 |
$100,000 |
$100,000 |
$100,000 |
Values as of |
Assumed Contract Value |
Withdrawal Taken |
Anniversary Value |
Net Purchase Payments |
Maximum Anniversary Value |
Maximum Anniversary Value Death Benefit |
3rd Anniversary |
$300,000 |
— |
$300,000 |
$250,000 |
$300,000 |
$300,000 |
Year 4 |
$305,000 |
$5,000 |
— |
$245,902 |
$295,082 |
$300,000 |
2nd Anniversary |
$312,000 |
— |
$312,000 |
$245,902 |
$312,000 |
$312,000 |
Value as of |
Assumed Contract Value |
Withdrawal Taken |
Anniversary Value |
Assume Maximum Annual Withdrawal Amount |
Net Purchase Payments |
Maximum Anniversary Value |
Maximum Anniversary Value Death Benefit |
4th Anniversary |
$312,000 |
— |
$312,000 |
$19,500 |
$245,902 |
$312,000 |
$312,000 |
Year 5 |
$302,000 |
$19,500 |
— |
$19,500 |
$226,402 |
$292,500 |
$292,500 |
5th Anniversary |
$305,000 |
— |
$305,000 |
$19,500 |
$226,402 |
$312,000 |
$305,000 |
Value as of |
Assumed Contract Value |
Withdrawal Taken |
Anniversary Value |
Assume Maximum Annual Withdrawal Amount |
Net Purchase Payments |
Maximum Anniversary Value |
Maximum Anniversary Value Death Benefit |
5th Anniversary |
$305,000 |
— |
$305,000 |
$19,500 |
$226,402 |
$305,000 |
$305,000 |
Year 6 |
$305,000 |
$24,960 |
— |
$19,127 |
$202,945 |
$280,040 |
$280,040 |
6th Anniversary |
$280,000 |
— |
$280,000 |
$19,127 |
$202,945 |
$280,040 |
$280,040 |
Year 7 |
$290,000 |
$24,483 |
— |
$18,749 |
$180,183 |
$255,754 |
$255,754 |
7th Anniversary |
$260,000 |
— |
$260,000 |
$18,749 |
$180,183 |
$260,000 |
$260,000 |
MarketLock Feature |
Contract Purchase Dates |
MarketLock Income Plus |
May 4, 2009 – January 18, 2010 |
MarketLock For Life Plus |
May 4, 2009 – January 18, 2010 |
MarketLock For Life |
May 4, 2009 – January 20, 2012 |
Number of Covered Persons |
Current Annualized Fee (calculated as a percentage of the Income Base) |
Annualized Fee After Extension (calculated as a percentage of the Income Base) |
One |
1.10% |
1.20% |
Two |
1.35% |
1.45% |
Number of Covered Persons |
Current Annualized Fee (calculated as a percentage of the Income Base) |
Annualized Fee After Extension (calculated as a percentage of the Income Base) |
One |
0.95% |
1.20% |
Two |
1.25% |
1.45% |
Number of Covered Persons |
Current Annualized Fee (calculated as a percentage of the Income Base) |
Annualized Fee After Extension (calculated as a percentage of the Income Base) |
One |
0.70% |
0.95% |
Two |
0.95% |
1.20% |
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 Max Income Option 1 |
Polaris Income Max Income Option 2 |
Polaris Income Max Income Option 3 | |||
Maximum Annual Withdrawal Percentage |
Protected Income Payment Percentage |
Maximum Annual Withdrawal Percentage |
Protected Income Payment Percentage |
Maximum Annual Withdrawal Percentage |
Protected Income Payment Percentage | |
One Covered Person (Age 50 - 59) |
4.50% |
3.50%(2) |
4.50% |
3.50%(2) |
3.70% |
3.70% |
One Covered Person (Age 60 - 64) |
5.50% |
3.50%(2) |
5.50% |
3.50%(2) |
4.40% |
4.40% |
One Covered Person (Age 65 - 74) |
7.25% |
4.50% |
8.25% |
3.50% |
5.80% |
5.80% |
One Covered Person (Age 75 and Older) |
7.75% |
4.50% |
8.75% |
3.50% |
6.25% |
6.25% |
Two Covered Persons (Age 50 - 59) |
4.25% |
3.25%(3) |
4.25% |
3.25%(3) |
3.30% |
3.30% |
Two Covered Persons (Age 60 - 64) |
5.25% |
3.25%(3) |
5.25% |
3.25%(3) |
4.00% |
4.00% |
Two Covered Persons (Age 65 - 74) |
7.00% |
4.25% |
8.00% |
3.25% |
5.40% |
5.40% |
Two Covered Persons (Age 75 and Older) |
7.50% |
4.25% |
8.50% |
3.25% |
5.85% |
5.85% |
Number of Covered Persons and Age of Covered Person(s) on the Activation Date(1) |
Polaris Income Max Income Option 1 |
Polaris Income Max Income Option 2 |
Polaris Income Max Income Option 3 | |||
Maximum Annual Withdrawal Percentage |
Protected Income Payment Percentage |
Maximum Annual Withdrawal Percentage |
Protected Income Payment Percentage |
Maximum Annual Withdrawal Percentage |
Protected Income Payment Percentage | |
One Covered Person (Age 50 - 59) |
4.25% |
3.25%(2) |
4.25% |
3.25%(2) |
3.50% |
3.50% |
One Covered Person (Age 60 - 64) |
5.25% |
3.25%(2) |
5.25% |
3.25%(2) |
4.20% |
4.20% |
One Covered Person (Age 65 - 74) |
7.00% |
4.25% |
8.00% |
3.25% |
5.60% |
5.60% |
One Covered Person (Age 75 and Older) |
7.50% |
4.25% |
8.50% |
3.25% |
5.90% |
5.90% |
Two Covered Persons (Age 50 - 59) |
4.00% |
3.00%(3) |
4.00% |
3.00%(3) |
3.10% |
3.10% |
Two Covered Persons (Age 60 - 64) |
5.00% |
3.00%(3) |
5.00% |
3.00%(3) |
3.80% |
3.80% |
Two Covered Persons (Age 65 - 74) |
6.75% |
4.00% |
7.75% |
3.00% |
5.20% |
5.20% |
Two Covered Persons (Age 75 and Older) |
7.25% |
4.00% |
8.25% |
3.00% |
5.50% |
5.50% |
Number of Covered Person(s) |
Initial Annual Fee Rate |
One Covered Person |
1.45% |
Two Covered Persons |
1.45% |
|
Polaris Income Plus Daily Flex Income Option 1 |
Polaris Income Plus Daily Flex Income Option 2 |
Polaris Income Plus Daily Flex Income Option 3 | |||
Number of Covered Persons and Age of Covered Person(s) on the Activation Date(1) |
Maximum Annual Withdrawal Percentage |
Protected Income Payment Percentage |
Maximum Annual Withdrawal Percentage |
Protected Income Payment Percentage |
Maximum Annual Withdrawal Percentage |
Protected Income Payment Percentage |
One Covered Person (Age 45 - 59) |
4.25% |
3.25%(2) |
4.25% |
3.25%(2) |
3.50% |
3.50% |
One Covered Person (Age 60 - 64) |
5.25% |
3.25%(2) |
5.25% |
3.25%(2) |
4.20% |
4.20% |
One Covered Person (Age 65 - 74) |
7.00% |
4.50% |
8.00% |
3.50% |
5.60% |
5.60% |
One Covered Person (Age 75 and Older) |
7.50% |
4.50% |
8.50% |
3.50% |
6.00% |
6.00% |
Two Covered Persons (Age 45 - 59) |
4.00% |
3.00%(3) |
4.00% |
3.00%(3) |
3.10% |
3.10% |
Two Covered Persons (Age 60 - 64) |
5.00% |
3.00%(3) |
5.00% |
3.00%(3) |
3.80% |
3.80% |
Two Covered Persons (Age 65 - 74) |
6.75% |
4.25% |
7.75% |
3.25% |
5.20% |
5.20% |
Two Covered Persons (Age 75 and Older) |
7.25% |
4.25% |
8.25% |
3.25% |
5.60% |
5.60% |
|
Polaris Income Plus Daily Flex Income Option 1 |
Polaris Income Plus Daily Flex Income Option 2 |
Polaris Income Plus Daily Flex Income Option 3 | |||
Number of Covered Persons and Age of Covered Person(s) on the Activation Date(1) |
Maximum Annual Withdrawal Percentage |
Protected Income Payment Percentage |
Maximum Annual Withdrawal Percentage |
Protected Income Payment Percentage |
Maximum Annual Withdrawal Percentage |
Protected Income Payment Percentage |
One Covered Person (Age 45 - 59) |
4.00% |
3.00%(2) |
4.00% |
3.00%(2) |
3.30% |
3.30% |
One Covered Person (Age 60 - 64) |
5.00% |
3.00%(2) |
5.00% |
3.00%(2) |
4.00% |
4.00% |
One Covered Person (Age 65 - 74) |
6.75% |
4.25% |
7.75% |
3.25% |
5.40% |
5.40% |
One Covered Person (Age 75 and Older) |
7.25% |
4.25% |
8.25% |
3.25% |
5.70% |
5.70% |
Two Covered Persons (Age 45 - 59) |
3.75% |
2.75%(3) |
3.75% |
2.75%(3) |
2.90% |
2.90% |
Two Covered Persons (Age 60 - 64) |
4.75% |
2.75%(3) |
4.75% |
2.75%(3) |
3.60% |
3.60% |
Two Covered Persons (Age 65 - 74) |
6.50% |
4.00% |
7.50% |
3.00% |
5.00% |
5.00% |
Two Covered Persons (Age 75 and Older) |
7.00% |
4.00% |
8.00% |
3.00% |
5.30% |
5.30% |
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 Max | |
Maximum Annual Withdrawal Percentage |
Protected Income Payment Percentage | |
One Covered Person (Age 50 - 54) |
3.70% |
3.70% |
One Covered Person (Age 55 - 59) |
4.20% |
4.20% |
One Covered Person (Age 60 - 64) |
4.40% |
4.40% |
One Covered Person (Age 65 - 69) |
5.80% |
5.80% |
One Covered Person (Age 70 - 74) |
6.25% |
6.25% |
One Covered Person (Age 75 - 79) |
6.75% |
6.75% |
One Covered Person (Age 80 - 84) |
7.40% |
7.40% |
One Covered Person (Age 85 - 89) |
8.15% |
8.15% |
One Covered Person (Age 90 - 94) |
9.15% |
9.15% |
One Covered Person (Age 95 and Older) |
10.45% |
10.45% |
Two Covered Persons (Age 50 - 54) |
3.20% |
3.20% |
Two Covered Persons (Age 55 - 59) |
3.70% |
3.70% |
Two Covered Persons (Age 60 - 64) |
3.90% |
3.90% |
Two Covered Persons (Age 65 - 69) |
5.30% |
5.30% |
Two Covered Persons (Age 70 - 74) |
5.75% |
5.75% |
Two Covered Persons (Age 75 - 79) |
6.25% |
6.25% |
Two Covered Persons (Age 80 - 84) |
6.90% |
6.90% |
Two Covered Persons (Age 85 - 89) |
7.65% |
7.65% |
Two Covered Persons (Age 90 - 94) |
8.65% |
8.65% |
Two Covered Persons (Age 95 and Older) |
9.95% |
9.95% |
Number of Covered Persons and Age of Covered Person(s) on the Activation Date(1) |
Polaris Income Max Income Option 1 |
Polaris Income Max Income Option 2 |
Polaris Income Max Income Option 3 | |||
Maximum Annual Withdrawal Percentage |
Protected Income Payment Percentage |
Maximum Annual Withdrawal Percentage |
Protected Income Payment Percentage |
Maximum Annual Withdrawal Percentage |
Protected Income Payment Percentage | |
One Covered Person (Age 50 - 59) |
4.25% |
3.25%(2) |
4.25% |
3.25%(2) |
3.50% |
3.50% |
One Covered Person (Age 60 - 64) |
5.25% |
3.25%(2) |
5.25% |
3.25%(2) |
4.20% |
4.20% |
One Covered Person (Age 65 - 74) |
7.00% |
4.25% |
8.00% |
3.25% |
5.60% |
5.60% |
One Covered Person (Age 75 and Older) |
7.50% |
4.25% |
8.50% |
3.25% |
5.90% |
5.90% |
Two Covered Persons (Age 50 - 59) |
4.00% |
3.00%(3) |
4.00% |
3.00%(3) |
3.10% |
3.10% |
Two Covered Persons (Age 60 - 64) |
5.00% |
3.00%(3) |
5.00% |
3.00%(3) |
3.80% |
3.80% |
Two Covered Persons (Age 65 - 74) |
6.75% |
4.00% |
7.75% |
3.00% |
5.20% |
5.20% |
Two Covered Persons (Age 75 and Older) |
7.25% |
4.00% |
8.25% |
3.00% |
5.50% |
5.50% |
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 Plus 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 Persons (Age 50 - 54) |
3.00% |
3.00% |
Two Covered Persons (Age 55 - 59) |
3.50% |
3.50% |
Two Covered Persons (Age 60 - 64) |
3.70% |
3.70% |
Two Covered Persons (Age 65 - 69) |
5.10% |
5.10% |
Two Covered Persons (Age 70 - 74) |
5.50% |
5.50% |
Two Covered Persons (Age 75 - 79) |
6.00% |
6.00% |
Two Covered Persons (Age 80 - 84) |
6.60% |
6.60% |
Two Covered Persons (Age 85 - 89) |
7.35% |
7.35% |
Two Covered Persons (Age 90 - 94) |
8.30% |
8.30% |
Two Covered Persons (Age 95 and Older) |
9.55% |
9.55% |
Number of Covered Persons and Age of Covered Person(s) on the Activation Date(1) |
Polaris Income Plus Daily Flex Income Option 1 |
Polaris Income Plus Daily Flex Income Option 2 |
Polaris Income Plus Daily Flex Income Option 3 | |||
Maximum Annual Withdrawal Percentage |
Protected Income Payment Percentage |
Maximum Annual Withdrawal Percentage |
Protected Income Payment Percentage |
Maximum Annual Withdrawal Percentage |
Protected Income Payment Percentage | |
One Covered Person (Age 45 - 59) |
4.00% |
3.00%(2) |
4.00% |
3.00%(2) |
3.30% |
3.30% |
One Covered Person (Age 60 - 64) |
5.00% |
3.00%(2) |
5.00% |
3.00%(2) |
4.00% |
4.00% |
One Covered Person (Age 65 - 74) |
6.75% |
4.25% |
7.75% |
3.25% |
5.40% |
5.40% |
One Covered Person (Age 75 and Older) |
7.25% |
4.25% |
8.25% |
3.25% |
5.70% |
5.70% |
Two Covered Persons (Age 45 - 59) |
3.75% |
2.75%(3) |
3.75% |
2.75%(3) |
2.90% |
2.90% |
Two Covered Persons (Age 60 - 64) |
4.75% |
2.75%(3) |
4.75% |
2.75%(3) |
3.60% |
3.60% |
Two Covered Persons (Age 65 - 74) |
6.50% |
4.00% |
7.50% |
3.00% |
5.00% |
5.00% |
Two Covered Persons (Age 75 and Older) |
7.00% |
4.00% |
8.00% |
3.00% |
5.30% |
5.30% |
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, File Nos. 333-25473 and 811-03859, filed on April 18, 1997, Accession No. 0000950148-97-000989. | |
(b) |
Custodian Agreements |
Not Applicable |
(c)(1) |
Incorporated by reference to Post-Effective Amendment No. 20 and Amendment 20, File Nos. 333-185762 and 811-03859, filed on April 25, 2019, Accession No. 0001193125-19-119309. | |
(c)(2) |
Incorporated by reference to Initial Registration Statement, File Nos. 333-185762 and 811-03859, filed on January 2, 2013, Accession No. 0000950123-12-014430. | |
(d)(1) |
Incorporated by reference to Initial Registration Statement, File Nos. 333-185762 and 811-03859, filed on January 2, 2013, Accession No. 0000950123-12-014430. | |
(d)(2) |
Incorporated by reference to Post-Effective Amendment No. 3 and Amendment No. 3, File Nos. 333-185762 and 811-03859, filed on April 28, 2015, Accession No. 0001193125-15-153218. | |
(d)(3) |
Incorporated by reference to Post-Effective Amendment No. 4 and Amendment No. 4, File Nos. 333-185762 and 811-03859, filed on December 28, 2015, Accession No. 0001193125-15-414549. | |
(d)(4) |
Incorporated by reference to Post-Effective Amendment No. 1 and Amendment No. 1, File Nos. 333-185762 and 811-03859, filed on April 29, 2013, Accession No. 0000950123-13-002952. | |
(d)(5) |
Incorporated by reference to Post-Effective Amendment No. 1 and Amendment No. 1, File Nos. 333-185762 and 811-03859, filed on April 29, 2013, Accession No. 0000950123-13-002952. | |
(d)(6) |
Incorporated by reference to Post-Effective Amendment No. 1 and Amendment No. 1, File Nos. 333-185762 and 811-03859, filed on April 29, 2013, Accession No. 0000950123-13-002952. | |
(d)(7) |
Incorporated by reference to Post-Effective Amendment No. 1 and Amendment No. 1, File Nos. 333-185762 and 811-03859, filed on April 29, 2013, Accession No. 0000950123-13-002952. | |
(d)(8) |
Incorporated by reference to Post-Effective Amendment No. 1 and Amendment No. 1, File Nos. 333-185762 and 811-03859, filed on April 29, 2013, Accession No. 0000950123-13-002952. | |
(d)(9) |
Incorporated by reference to Initial Registration Statement, File Nos. 333-185762 and 811-03859, filed on January 2, 2013, Accession No. 0000950123-12-014430. | |
(d)(10) |
Incorporated by reference to Post-Effective Amendment No. 3 and Amendment No. 3, File Nos. 333-185778 and 811-03859, filed on April 30, 2014, Accession No. 0000950123-14-004617. | |
(d)(11) |
Incorporated by reference to Post-Effective Amendment No. 5 and Amendment No. 5, File Nos. 333-185778 and 811-03859, filed on December 28, 2015, Accession No. 0001193125-15-414547. |
Exhibit Number |
Description |
Location |
(d)(12) |
Incorporated by reference to Post-Effective Amendment No. 5 and Amendment No. 5, File Nos. 333-185778 and 811-03859, filed on December 28, 2015, Accession No. 0001193125-15-414547. | |
(d)(13) |
Incorporated by reference to Post-Effective Amendment No. 7 and Amendment No. 7, File Nos. 333-185762 and 811-03859, filed on April 29, 2016, Accession No. 0001193125-16-568243. | |
(d)(14) |
Incorporated by reference to Post-Effective Amendment No. 7 and Amendment No. 7, File Nos. 333-185762 and 811-03859, filed on April 29, 2016, Accession No. 0001193125-16-568243. | |
(d)(15) |
Incorporated by reference to Post-Effective Amendment No. 9 and Amendment No. 9, File Nos. 333-185762 and 811-03859, filed on December 15, 2016, Accession No. 0001193125-16-794181. | |
(d)(16) |
Incorporated by reference to Post-Effective Amendment No. 5 and Amendment No. 5, File Nos. 333-185778 and 811-03859, filed on December 28, 2015, Accession No. 0001193125-15-414547. | |
(d)(17) |
Incorporated by reference to Post-Effective Amendment No. 12 and Amendment 12, File Nos. 333-185762 and 811-03859, filed on April 26, 2017, Accession No. 0001193125-17-138989. | |
(d)(18) |
Incorporated by reference to Post-Effective Amendment No. 12 and Amendment 12, File Nos. 333-185762 and 811-03859, filed on April 26, 2017, Accession No. 0001193125-17-138989. | |
(d)(19) |
Incorporated by reference to Post-Effective Amendment No. 12 and Amendment 12, File Nos. 333-185762 and 811-03859, filed on April 26, 2017, Accession No. 0001193125-17-138989. | |
(d)(20) |
Incorporated by reference to Post-Effective Amendment No. 12 and Amendment 12, File Nos. 333-185762 and 811-03859, filed on April 26, 2017, Accession No. 0001193125-17-138989. | |
(d)(21) |
Incorporated by reference to Post-Effective Amendment No. 12 and Amendment 12, File Nos. 333-185762 and 811-03859, filed on April 26, 2017, Accession No. 0001193125-17-138989. | |
(d)(22) |
Incorporated by reference to Post-Effective Amendment No. 20 and Amendment 20, File Nos. 333-185762 and 811-03859, filed on April 25, 2019, Accession No. 0001193125-19-119309. | |
(d)(23) |
Incorporated by reference to Post-Effective Amendment No. 20 and Amendment 20, File Nos. 333-185762 and 811-03859, filed on April 25, 2019, Accession No. 0001193125-19-119309. | |
(d)(24) |
Incorporated by reference to Post-Effective Amendment No. 20 and Amendment 20, File Nos. 333-185762 and 811-03859, filed on April 25, 2019, Accession No. 0001193125-19-119309. | |
(d)(25) |
Incorporated by reference to Post-Effective Amendment No. 20 and Amendment 20, File Nos. 333-185762 and 811-03859, filed on April 25, 2019, Accession No. 0001193125-19-119309. | |
(d)(26) |
Incorporated by reference to Pre-Effective Amendment No. 3 and Amendment No. 3, File Nos. 333-213338 and 811-03859, filed on December 14, 2016, Accession No. 0001193125-16-793053. |
Exhibit Number |
Description |
Location |
(d)(27) |
Incorporated by reference to Pre-Effective Amendment No. 3 and Amendment No. 3, File Nos. 333-213338 and 811-03859, filed on December 14, 2016, Accession No. 0001193125-16-793053. | |
(d)(28) |
Incorporated by reference to Pre-Effective Amendment No. 3 and Amendment No. 3, File Nos. 333-213338 and 811-03859, filed on December 14, 2016, Accession No. 0001193125-16-793053. | |
(d)(29) |
Incorporated by reference to Pre-Effective Amendment No. 3 and Amendment No. 3, File Nos. 333-213338 and 811-03859, filed on December 14, 2016, Accession No. 0001193125-16-793053. | |
(d)(30) |
Incorporated by reference to Pre-Effective Amendment No. 3 and Amendment No. 3, File Nos. 333-213338 and 811-03859, filed on December 14, 2016, Accession No. 0001193125-16-793053. | |
(d)(31) |
Incorporated by reference to Post-Effective Amendment No. 23 and Amendment No. 23, File Nos. 333-185790 and 811-09003, filed on December 17, 2021, Accession No. 0001193125-21-361098. | |
(e) |
Application for Contract |
|
(e)(1) |
Incorporated by reference to Post-Effective Amendment No. 1 and Amendment No. 1, File Nos. 333-185762 and 811-03859, filed on April 29, 2013, Accession No. 0000950123-13-002952. | |
(e)(2) |
Incorporated by reference to Post-Effective Amendment No. 4 and Amendment No. 4, File Nos. 333-185762 and 811-03859, filed on December 28, 2015, Accession No. 0001193125-15-414549. | |
(e)(3) |
Incorporated by reference to Post-Effective Amendment No. 9 and Amendment No. 9, File Nos. 333-185762 and 811-03859, filed on December 15, 2016, Accession No. 0001193125-16-794181. | |
(e)(4) |
Incorporated by reference to Post-Effective Amendment No. 9 and Amendment No. 9, File Nos. 333-185762 and 811-03859, filed on December 15, 2016, Accession No. 0001193125-16-794181. | |
(e)(5) |
Incorporated by reference to Post-Effective Amendment No. 9 and Amendment No. 9, File Nos. 333-185762 and 811-03859, filed on December 15, 2016, Accession No. 0001193125-16-794181. | |
(e)(6) |
Incorporated by reference to Post-Effective Amendment No. 9 and Amendment No. 9, File Nos. 333-185762 and 811-03859, filed on December 15, 2016, Accession No. 0001193125-16-794181. | |
(e)(7) |
Incorporated by reference to Post-Effective Amendment No. 29 and Amendment No. 29 , File Nos. 333-185762 and 811-03859, filed on April 28,2021, Accession No. 0001193125-21-137122. | |
(e)(8) |
Incorporated by reference to Post-Effective Amendment No. 29 and Amendment No. 29 , File Nos. 333-185762 and 811-03859, filed on April 28,2021, Accession No. 0001193125-21-137122. | |
(f) |
Corporate Documents of Depositor |
|
(f)(1) |
Incorporated by reference to Initial Registration Statement on Form S-1, filed on February 21, 2024, Accession No. 0001193125-24-040282. |
Exhibit Number |
Description |
Location |
(f)(2) |
Incorporated by reference to Post-Effective Amendment No. 11 and Amendment No. 46, File Nos. 333-43264 and 811-08561, of American General Life Insurance Company Separate Account VL-R, filed on August 12, 2005, Accession No. 0001193125-05-165474. | |
(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. | |
(h)(3) |
Incorporated by reference to Pre-Effective Amendment No. 1 and Amendment No. 1, File Nos. 333-91860 and 811-03859, filed on October 28, 2002, Accession No. 0000898430-02-003844. | |
(h)(4) |
Incorporated by reference to Pre-Effective Amendment No. 1 and Amendment No. 1, File Nos. 333-66114 and 811-03859, filed on October 25, 2001, Accession No. 0000950148-01-502065. | |
(h)(5) |
Incorporated by reference to Post-Effective Amendment No. 2 and Amendment No. 3, File Nos. 333-137892 and 811-03859, filed on April 26, 2007, Accession No. 0000950148-07-000101. | |
(h)(6) |
Incorporated by reference to Post-Effective Amendment No. 5 and Amendment No. 6, File Nos. 333-137892 and 811-03859, filed on April 28, 2008, Accession No. 0000950148-08-000093. | |
(h)(7) |
Incorporated by reference to Post-Effective Amendment No. 7 and Amendment No. 8, File Nos. 333-157199 and 811-03859, filed on August 25, 2010, Accession No. 0000950123-10-080861. | |
(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. 7 Form N-6 Registration Statement, Filed No. 333-90787, filed on December 19, 2003, Accession No. 0001193125-03-097054. | |
(h)(10) |
Incorporated by reference to Post-Effective Amendment No. 7 and Amendment No. 7, File Nos. 333-185762 and 811-03859, filed on April 29, 2016, Accession No. 0001193125-16-568243. | |
(h)(11) |
Incorporated by reference to Initial Registration Statement, File Nos. 333-185762 and 811-03859, filed on January 2, 2013, Accession No. 0000950123-12-014430. | |
(h)(12)(a) |
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)(b) |
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 |
Exhibit Number |
Description |
Location |
(j) |
Other Material Contracts |
|
(j)(1) |
Incorporated by reference to Post-Effective Amendment No. 17 and Amendment No. 18, File Nos. 333-137867 and 811-03859, filed on April 27, 2011, Accession No. 0000950123-11-040070. | |
(j)(2) |
Incorporated by reference to Post-Effective Amendment No. 3 and Amendment No. 3, File Nos. 333-185778 and 811-03859, filed on April 30, 2014, Accession No. 0000950123-14-004617. | |
(j)(3) |
Incorporated by reference to Initial Registration Statement, File Nos. 333-185762 and 811-03859, filed on January 2, 2013, Accession No. 0000950123-12-014430. | |
(j)(4) |
Incorporated by reference to Post-Effective Amendment No. 3 and Amendment No. 3, File Nos. 333-185762 and 811-03859, filed on April 28, 2015, Accession No. 0001193125-15-153218. | |
(k) |
Incorporated by reference to Initial Registration Statement, File Nos. 333-185762 and 811-03859, filed on January 2, 2013, Accession No. 0000950123-12-014430. | |
(l) |
Filed Herewith | |
(m) |
Financial Statements Omitted |
None |
(n) |
Initial Capital Agreement |
Not Applicable |
(o) |
Form of Initial Summary Prospectus |
Not Applicable |
(p) |
Incorporated by reference to Initial Registration Statement on Form S-1, filed on February 21, 2024, Accession No. 0001193125-24-040282. | |
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 |
Jonathan J. Novak (1) |
Director, President, Institutional Markets |
Bryan A. Pinsky (2) |
Director, President, Individual Retirement |
Lisa M. Longino (8) |
Director, Executive Vice President and Chief Investment Officer |
David Ditillo (6) |
Director, Executive Vice President and Chief Information Officer |
Elizabeth B. Cropper (8) |
Director, Executive Vice President and Chief Human Resources Officer |
Terri N. Fiedler (3) |
Director |
John P. Byrne (3) |
President, Financial Distributor |
Steven D. (“Doug”) Caldwell, Jr. (5) |
Executive Vice President and Chief Risk Officer |
Christina M. Haley (2) |
Senior Vice President, Product Filing |
Emily W. Gingrich (5) |
Senior Vice President, Chief Actuary and Corporate Illustration Actuary |
Frank A. Kophamel |
Senior Vice President, Deputy Chief Actuary and Appointed Actuary |
Sai P. Raman (7) |
Senior Vice President, Institutional Markets |
Eric G. Tarnow |
Senior Vice President, Life Products |
Names, Positions and Offices Held with Depositor |
|
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 |
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 (5) |
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 |
Vice President and Tax Officer |
Stephen G. Lunanuova |
Vice President and Tax Officer |
Valerie J. Vetters |
Vice President and Tax Officer |
Leo W. Grace |
Vice President, Product Filing |
Preston L. Schnoor (2) |
Vice President, Product Filing |
Aimy T. Tran (2) |
Vice President, Product Filing |
Michelle D. Campion |
Vice President |
Jeffrey S. Flinn (4) |
Vice President |
Christopher J. Hobson (2) |
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 (5) |
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 |
| ||
*TERRI N. FIEDLER TERRI N. FIEDLER |
Director |
April 23, 2024 |
| ||
*TIMOTHY M. HESLIN TIMOTHY M. HESLIN |
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 |
| ||
*ELIZABETH B. CROPPER ELIZABETH B. CROPPER |
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 |