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Amendment No. 14 |
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|
FEES AND EXPENSES |
Location in
Prospectus | ||
Charges for Early
Withdrawals |
You may be subject to charges for early withdrawals. Withdrawal
charges do not apply to certain withdrawals including
the withdrawal up to the annual penalty-free withdrawal
amount which equals 10% of your Purchase Payments not yet
withdrawn. If you withdraw money from your contract
within 4 years following each 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be assessed a withdrawal charge of up to 8%, as a percentage of each Purchase Payment withdrawn.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 $8,000 if your maximum
withdrawal charge is 8%. |
Expenses –
Withdrawal
Charges | ||
Transaction
Charges |
In addition to withdrawal charges, you may be charged for other
transactions. You will be charged for each transfer
after 15 transfers in any contract year during the Accumulation Phase. There may also be taxes on Purchase Payments. |
Expenses | ||
Ongoing Fees and
Expenses (annual
charges) |
The table below describes the current fees and expenses of the
contract that you may pay each
year, depending on the options you choose. Please refer to your contract specifications
page for information about the specific fees you will pay each year
based on the options you have elected.
|
Expenses | ||
Annual Fee |
Minimum |
Maximum | ||
Base Contract1 |
1.66% |
1.66% | ||
Investment Options2
(Underlying Fund fees and expenses) |
0.46% |
1.89% | ||
Optional Benefits Available for an
Additional Charge
(For a single optional benefit, if elected) |
0.25%3 |
2.70%4 | ||
1 As a percentage of the value in the Separate Account (includes a percentage attributable
to the contract maintenance fee).
2 As a percentage of Underlying Fund net assets. 3 As a percentage of the average
daily ending net asset value allocated to the Variable
Portfolios.
4 As a percentage of the Income Base used to calculate the guaranteed benefit. This
represents the maximum charge for the most expensive optional
benefit. 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: $1,861 |
Highest Annual Cost: $4,574 | |||
Assumes:
•Investment of $100,000 •5% annual appreciation
•Least expensive Underlying Fund fees and expenses •No optional benefits
•No withdrawal charges •No additional Purchase Payments,
transfers, or withdrawals |
Assumes:
•Investment of $100,000 •5% annual appreciation
•Most expensive combination of optional benefits and Underlying Fund fees and expenses •No withdrawal charges
•No additional Purchase Payments, transfers, or withdrawals |
|
RISKS |
Location in
Prospectus | ||
Risk of Loss |
You can gain or lose money by investing in this contract, including
possible loss of your principal investment.
|
Principal Risks of
Investing in the
Contract | ||
Not a Short-Term
Investment |
•This contract is not designed for short-term investing and may not be appropriate for an
investor who needs ready access to cash.
•Charges may apply to withdrawals. Withdrawal charges could significantly reduce the
value of your investment or the amount that you receive upon taking a
withdrawal. Withdrawals may also reduce or terminate
contract guarantees. •The benefits of tax deferral, long-term income, and optional Living Benefit guarantees
mean that this contract is generally more beneficial to investors with
a long investment time horizon. | |||
Risks Associated
with Investment
Options |
•An investment in this contract is subject to the risk of poor investment performance and
can vary depending on the performance of the investment options
available under the contract.
•Each investment option (including each Fixed Account option) has its own unique risks.
•You should review the investment options before making an investment decision. | |||
Insurance
Company Risks |
An investment in the contract is subject to the risks related to us,
American General Life Insurance Company. Any obligations
(including under a Fixed Account option), guarantees,
and benefits of the contract are subject to our claims-paying ability.
More information about us is available upon request by
calling the Annuity Service Center at (800) 445-7862 or
visiting www.corebridgefinancial.com/annuities. |
|||
|
RESTRICTIONS |
| ||
Investments |
•Certain investment options may not be available under your contract.
•You may transfer funds between the investment options, subject to certain restrictions.
•Your transfers between the Variable Portfolios are subject to policies designed to deter
frequent and short-term trading.
•The minimum transfer amount is $100. If less than $100 would remain in an investment
option after a transfer, the entire amount must be
transferred. •Your ability to transfer amounts to a Fixed Account option may be restricted.
•We reserve the right to remove or substitute Underlying Funds as investment options. |
Investment
Options | ||
Optional Benefits |
•Additional restrictions and limitations apply under the contract’s optional benefits.
•If you elect an optional Living Benefit: ○Not all investment options may be available and you must
invest in accordance with the applicable investment
requirements. ○We reserve the right to modify the investment requirement in the future.
○You may be required to invest a certain percentage of your contract value in a certain
investment option, including the Secure Value Account which is only
available with certain optional Living Benefits.
Special transfer and withdrawal restrictions may apply.
•Withdrawals that exceed limits specified by the terms of an optional benefit may reduce
the value of the benefit by reducing the benefit by an amount greater
than the value withdrawn and could terminate the
benefit. |
Optional Living
Benefits Death Benefits | ||
|
TAXES |
| ||
Tax Implications |
•You should consult with a tax professional to determine the tax implications of an
investment in and payments received under the contract.
•If you purchase the contract through a tax-qualified plan or individual retirement account
(IRA), there is no additional tax benefit under the
contract. •Earnings under your contract are taxed at ordinary income tax rates when withdrawn.
You may have to pay a tax penalty if you take a withdrawal before age
59½. |
Taxes |
|
CONFLICTS OF INTEREST |
Location in
Prospectus | ||
Investment
Professional
Compensation |
Your financial representative may receive compensation for selling
this contract to you in the form of commissions,
additional cash compensation, and/or non-cash compensation. We may share the revenue we earn on this contract with your financial representative’s firm.
Revenue sharing arrangements and commissions may provide selling firms
and/or their registered representatives with an
incentive to favor sales of our contracts over other
variable annuity contracts (or other investments) with respect to
which a selling firm does not receive the same level of
additional compensation. You should ask your financial
representative about how they are compensated. |
Payments in Connection with Distribution of the Contract | ||
Exchanges |
Some financial representatives may have a financial incentive to offer
you a new contract in place of the one you already own.
You should exchange a contract you already own only if
you determine, after comparing the features, fees, and risks of both
contracts, that it is better for you to purchase the new
contract rather than continue to own your existing
contract. |
Maximum Withdrawal Charges
(as a percentage of each Purchase Payment)1 |
8% |
Transfer Fee
(per transfer after the first 15 transfers in any
contract year) |
$25 |
Contract Maintenance Fee2 |
$50 |
Base Contract Expense3 (deducted from the average daily ending net asset value allocated to the Variable Portfolios) |
1.65% |
Combination HV & Roll-Up Death Benefit Fee4 |
0.65% |
Maximum Anniversary Value Death Benefit Fee |
0.25% |
Number of Covered Person |
Maximum
Annual Fee Rate6 |
For One Covered Person |
2.20% |
For Two Covered Persons |
2.70% |
Number of Covered Person |
Annual Fee |
For One Covered Person |
0.70% |
For Two Covered Persons |
0.95% |
|
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% |
Years Since Receipt: |
1 |
2 |
3 |
4 |
5+ |
|
8% |
7% |
6% |
5% |
0% |
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 |
$12,403 |
$23,269 |
$29,754 |
$59,374 |
1 year |
3 years |
5 years |
10 years |
$4,403 |
$17,269 |
$29,754 |
$59,374 |
1 year |
3 years |
5 years |
10 years |
$10,110 |
$12,580 |
$11,312 |
$24,391 |
1 year |
3 years |
5 years |
10 years |
$2,110 |
$6,580 |
$11,312 |
$24,391 |
|
Minimum
Initial
Purchase
Payment (1) |
Minimum
Subsequent
Purchase
Payment |
Minimum
Automatic
Subsequent
Purchase
Payment |
Qualified(2) |
$25,000
|
$500
|
$100
|
Non-Qualified(2) |
$25,000
|
$500
|
$100 |
American General Life Insurance Company Premium Processing Center P.O. Box 100330 Pasadena, CA 91189-0330 |
JPM Chase-AGL 100330 Premium Processing Center
2710 Media Center Drive
Building #6, Suite 120
Los Angeles, CA 90065-1750 |
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 |
Trading Policy Before Change |
Trading Policy After Change |
5th transfer in a 6-Month
Rolling Period triggers the
U.S. Mail method of Transfer |
15th transfer in 12-Month Rolling Period triggers the U.S. Mail method of Transfer. |
|
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 and the Living Benefit on or after the Activation Date below. |
Annuity Service Center P.O. Box 15570 Amarillo, TX 79105-5570 |
Name of Benefit |
Purpose |
Brief Description of Restrictions / Limitations |
Standard Death Benefit |
Provides a death benefit
equal to the contract value
or Net Purchase Payments |
•Withdrawals may significantly reduce the benefit |
Dollar Cost Averaging
(DCA) Fixed Accounts |
Interest is credited to
amounts allocated to a DCA
Fixed Account and your
money is systematically
transferred from the DCA
Fixed Account to one or
more investment options
over a specified period of
time |
•Must be funded with an initial Purchase Payment, not transferred
contract value
•Minimum funding requirements apply •Only 6-month, 12-month, and 2-year periods may be
available •Transfers may only occur on a monthly basis •Availability may be restricted based on date of contract
issuance and election of optional benefits
•Fixed Account options are not eligible to receive DCA transfers •The interest rates applicable to the DCA Fixed Accounts
may differ from those applicable to any other Fixed Account
but will never be less than the minimum guaranteed interest
rate specified in your contract. •Contracts issued on or after October 1, 2013, the 2-Year DCA Fixed
Account is not available for investment.
•If available, the minimum subsequent Purchase Payment for the 2-Year
DCA Fixed Account is $2,400. |
Dollar Cost Averaging
(DCA) Program |
Allows you to have
systematic transfers of a
specified dollar amount or
percentage of contract value
from an investment option
to one or more eligible
investment options |
•Transfers may only occur on a monthly basis and will not count towards
the number of free transfers per contract year
•Minimum per transfer is $100 regardless of source account •Fixed Account options are not eligible to receive DCA
transfers •Upon notification of your death, we will terminate the DCA Program and
transfer the remaining money according to the current allocation
instructions on file |
Automatic Asset
Rebalancing |
Allows you to have your
investments periodically
rebalanced to your
pre-selected percentages |
•Rebalancing may occur on a quarterly, semi-annual, or annual basis
•Updated rebalancing instructions must be provided upon making a non-automatic transfer, otherwise rebalancing instructions will be
automatically updated
•Upon notification of your death, we will terminate the Automatic Asset
Rebalancing Program
•If you elect an optional Living Benefit, we will automatically enroll you in
the Automatic Asset Rebalancing Program with quarterly
rebalancing |
Systematic Withdrawal
Program |
Allows you to receive
periodic withdrawals from
your contract |
•Minimum withdrawal amount is $100 •Withdrawals may occur on a monthly, quarterly,
semi-annual, or annual basis
•Participation in program may be restricted if optional Living Benefit
elected |
Automatic Payment Plan |
Allows you to make
automatic Purchase
Payments |
•Minimum requirements for the initial and subsequent
Purchase Payments and age restrictions apply
•May not be available with election of certain Living Benefit features |
Name of
Benefit |
Purpose |
Maximum Fee |
Brief Description of Restrictions/Limitations |
Polaris Income
Plus Daily
Living Benefit |
A guaranteed minimum
withdrawal benefit with
frequent step-up
opportunities |
2.20% One
Covered Person /
2.70% Two
Covered Persons
(as a percentage of
Income Base) |
•Excess withdrawals may significantly reduce or terminate the benefit •Step-up opportunities change from daily to annually after
first withdrawal
•Investment requirements limit available investment options •Purchase Payments subject to additional
restrictions •May not be cancelled by you prior to the 5th benefit anniversary •Certain events will automatically terminate the
benefit •May not be re-elected or reinstated after termination •Fee may be deducted pro rata from variable portfolios only
in certain states. Please see APPENDIX B – STATE CONTRACT AVAILABILITY AND/OR VARIABILITY for specific states |
Polaris Income
Plus Living
Benefit
(Formerly
SunAmerica
Income Plus) |
A guaranteed minimum
withdrawal benefit with
Income Credits and step-up
opportunities |
2.20% One
Covered Person /
2.70% Two
Covered Persons
(as a percentage of
Income Base) |
•Excess withdrawals may significantly reduce or terminate the benefit •Income Credits unavailable after the 12th benefit
anniversary •Investment requirements limit available investment options •Minimum Income Base not available on 12th benefit
anniversary if withdrawal has been taken
•Purchase Payments subject to additional restrictions •May not be cancelled by you prior to the 5th benefit
anniversary
•Certain events will automatically terminate the benefit •May not be re-elected or reinstated after
termination •Fee may be deducted pro rata from variable portfolios only in certain states. Please see APPENDIX B –
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 |
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 B –
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
•Ineligible for step-up period extension if any previous extension opportunity was not elected or age requirements are not satisfied •The fee and investment requirements may change if you
elect a step-up period extension
•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 B – STATE CONTRACT AVAILABILITY AND/OR VARIABILITY for specific states |
Name of
Benefit |
Purpose |
Maximum Fee |
Brief Description of Restrictions/Limitations |
Maximum
Anniversary
Death Benefit |
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
•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 |
Polaris
Income Plus |
5.5% |
Available during the first 12
Benefit Years — the Income
Credit is reduced in years
withdrawals are taken |
Polaris
Income Builder |
5% |
Available during the first 12
Benefit Years — the Income
Credit is eliminated in years
any withdrawal is taken |
Polaris Income Plus Daily |
Not available |
Not available |
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) |
4.0% / 3.0%(2) |
4.0% / 3.0%(2) |
3.25% / 3.25% |
One Covered Person (Age 60 - 64) |
5.0% / 3.0%(2) |
5.0% / 3.0%(2) |
3.75% / 3.75% |
One Covered Person (Age 65 - 71) |
6.0% / 4.0% |
7.0% / 3.0% |
5.0% / 5.0% |
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) |
3.5% / 3.0%(3) |
3.5% / 3.0%(3) |
3.0% / 3.0% |
Two Covered Persons (Age 60 - 64) |
4.5% / 3.0%(3) |
4.5% / 3.0%(3) |
3.5% / 3.5% |
Two Covered Persons (Age 65 - 71) |
5.5% / 4.0% |
6.5% / 3.0% |
4.5% / 4.5% |
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
Builder |
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) |
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) |
4.0% / 3.0%(2) |
4.0% / 3.0%(2) |
3.25% / 3.25% |
One Covered Person (Age 60 - 64) |
5.0% / 3.0%(2) |
5.0% / 3.0%(2) |
3.75% / 3.75% |
One Covered Person (Age 65 - 71) |
6.0% / 4.0% |
7.0% / 3.0% |
5.0% / 5.0% |
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) |
3.5% / 3.0%(3) |
3.5% / 3.0%(3) |
3.0% / 3.0% |
Two Covered Persons (Age 60 - 64) |
4.5% / 3.0%(3) |
4.5% / 3.0%(3) |
3.5% / 3.5% |
Two Covered Persons (Age 65 - 71) |
5.5% / 4.0% |
6.5% / 3.0% |
4.5% / 4.5% |
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 - 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% |
4.5% / 4.5% |
One Covered Person (Age 68 - 71) |
6.0% / 4.0% |
7.0% / 3.0% |
5.0% / 5.0% |
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) |
2.5% / 2.5% |
Two Covered Persons (Age 60 - 64) |
4.0% / 2.5%(5) |
4.0% / 2.5%(5) |
3.0% / 3.0% |
Two Covered Persons (Age 65 - 67) |
5.0% / 3.5% |
6.0% / 2.5% |
4.0% / 4.0% |
Two Covered Persons (Age 68 - 71) |
5.5% / 4.0% |
6.5% / 3.0% |
4.5% / 4.5% |
Two Covered Persons (Age 72 and Older) |
6.0% / 4.0% |
7.0% / 3.0% |
4.75% / 4.75% |
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% |
|
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) |
|
Covered Person | |
Minimum Age |
Maximum Age | |
One Owner |
65 |
80 |
Joint Owners(1) |
65 |
80 |
|
Covered Person #1 |
Covered Person #2 | ||
Minimum
Age |
Maximum
Age |
Minimum
Age |
Maximum
Age | |
Non-Qualified:
Joint Owners(2) |
65 |
80 |
65 |
85 |
Non-Qualified:
One Owner with Spousal
Beneficiary |
65 |
80 |
65 |
N/A(3) |
Qualified:
One Owner with Spousal
Beneficiary |
65 |
80 |
65 |
N/A(3) |
Cancellation
Request Received |
Cancellation
Effective Date |
Years 1-5 |
5th Benefit Year Anniversary |
Years 5+ |
Benefit Quarter Anniversary following the receipt of the cancellation request |
Owner |
Payable Upon Death of |
Natural persons |
Owner (or first to die,
if jointly owned) |
Non-natural person
(e.g. Trust) |
Annuitant |
Satisfactory proof of death includes, but may not be limited to: |
(1)A certified copy of the death certificate; or |
(2)A certified copy of a decree of a court of competent jurisdiction as to the finding of death; or |
(3)A written statement by a medical doctor who attended the deceased at the time of death. |
We will process an Extended Legacy election as of the date we receive the following in Good Order at the Annuity Service Center: |
•Death Claim form electing Extended Legacy Program;
and |
•Satisfactory proof of death of the original Owner. |
We will process an Inherited Account election as of the date we receive the following at the Annuity Service Center: |
•Inherited Account and Required Minimum Distribution Election Form; and |
•New contract application |
We will process a spousal continuation as of the date we receive the following at the Annuity Service Center: |
•Death Claim form;
and |
•Satisfactory proof of death of the original Owner. |
Base Contract Expenses |
1.65% |
Year Since Purchase Payment Receipt |
1 |
2 |
3 |
4 |
5+ |
Withdrawal Charge |
8% |
7% |
6% |
5% |
0% |
After 15 Transfers |
$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% |
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 |
Franklin Allocation VIP Fund – Class 2 Franklin Advisers, Inc. |
0.82%* |
14.61% |
7.57% |
4.75% |
|
Franklin Income VIP Fund – Class 2 Franklin Advisers, Inc. |
0.71%* |
8.62% |
6.98% |
5.01% |
|
SA Allocation Balanced Portfolio – Class 3 SunAmerica Asset Management, LLC |
1.01%* |
11.41% |
5.56% |
4.29% |
|
SA Allocation Growth Portfolio – Class 3 SunAmerica Asset Management, LLC |
1.05%* |
17.19% |
9.91% |
6.72% |
|
SA Allocation Moderate Growth Portfolio – Class 3 SunAmerica Asset Management, LLC |
1.03%* |
15.04% |
8.31% |
5.83% |
|
SA Allocation Moderate Portfolio – Class 3 SunAmerica Asset Management, LLC |
1.02%* |
13.70% |
7.24% |
5.26% |
|
SA American Funds Asset Allocation Portfolio1 – Class 3
SunAmerica Asset Management, LLC
Capital Research and Management Company
|
0.82%* |
13.90% |
8.91% |
6.95% |
|
SA JPMorgan Diversified Balanced Portfolio – Class 3 SunAmerica Asset Management, LLC J.P. Morgan Investment Management Inc. |
0.98% |
15.11% |
7.83% |
6.16% |
|
SA MFS Total Return Portfolio – Class 3 SunAmerica Asset Management, LLC Massachusetts Financial Services Company |
0.97% |
10.05% |
8.16% |
6.17% |
Bond |
SA American Century Inflation Protection Portfolio – Class 3 SunAmerica Asset Management, LLC American Century Investment Management, Inc. |
0.91% |
3.28% |
1.51% |
1.32% |
|
SA Federated Hermes Corporate Bond Portfolio – Class 3 SunAmerica Asset Management, LLC Federated Investment Management Company |
0.80% |
7.75% |
2.87% |
2.97% |
|
SA JPMorgan MFS Core Bond Portfolio – Class 3 SunAmerica Asset Management, LLC J.P. Morgan Investment Management Inc. and Massachusetts
Financial Services Company |
0.79%* |
6.46% |
1.45% |
1.74% |
|
SA JPMorgan Ultra-Short Bond Portfolio2 – Class 3
SunAmerica Asset Management, LLC
J.P. Morgan Investment Management Inc.2 |
0.76% |
4.39% |
0.75% |
0.41% |
|
SA PIMCO Global Bond Opportunities Portfolio3 – Class 3
SunAmerica Asset Management, LLC
Pacific Investment Management Company, LLC3 |
1.13%* |
4.05% |
-1.55% |
-0.69% |
|
SA PineBridge High-Yield Bond Portfolio – Class 3 SunAmerica Asset Management, LLC PineBridge Investments, LLC |
0.97% |
15.73% |
6.36% |
4.93% |
|
SA Wellington Government and Quality Bond Portfolio – Class 3 SunAmerica Asset Management, LLC Wellington Management Company LLP |
0.83% |
4.78% |
0.26% |
1.01% |
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 | |||
Cash |
Goldman Sachs VIT Government Money Market Fund – Service Shares Goldman Sachs Asset Management, L.P. |
0.43%* |
4.79% |
1.64% |
1.02% |
Stock |
Invesco V.I. American Franchise Fund – Series II Invesco Advisers, Inc. |
1.11% |
40.60% |
15.88% |
11.42% |
|
Invesco V.I. Comstock Fund – Series II Invesco Advisers, Inc. |
1.00% |
12.09% |
13.20% |
8.65% |
|
Invesco V.I. Growth and Income Fund – Series II Invesco Advisers, Inc. |
1.00% |
12.40% |
11.49% |
7.98% |
|
Lord Abbett Growth and Income Portfolio – Class VC Lord, Abbett & Co. LLC |
0.93% |
13.19% |
10.72% |
7.81% |
|
SA AB Growth Portfolio – Class 3 SunAmerica Asset Management, LLC AllianceBernstein L.P. |
0.88% |
34.71% |
17.54% |
14.60% |
|
SA AB Small & Mid Cap Value Portfolio – Class 3 SunAmerica Asset Management, LLC AllianceBernstein L.P. |
1.17%* |
16.61% |
10.66% |
7.28% |
|
SA American Funds Global Growth Portfolio1 – Class 3
SunAmerica Asset Management, LLC
Capital Research and Management Company
|
0.95%* |
22.36% |
13.35% |
9.28% |
|
SA American Funds Growth Portfolio1 – Class 3
SunAmerica Asset Management, LLC
Capital Research and Management Company
|
0.87%* |
38.00% |
18.36% |
14.04% |
|
SA American Funds Growth-Income Portfolio1 – Class 3
SunAmerica Asset Management, LLC
Capital Research and Management Company
|
0.82%* |
25.85% |
13.04% |
10.59% |
|
SA Fidelity Institutional AM® Real Estate Portfolio – Class 3 SunAmerica Asset Management, LLC FIAM LLC |
1.09% |
13.86% |
7.43% |
7.17% |
|
SA Franklin BW U.S. Large Cap Value Portfolio – Class 3 SunAmerica Asset Management, LLC Brandywine Global Investment Management, LLC |
0.95%* |
7.17% |
11.02% |
8.56% |
|
SA Franklin Small Company Value Portfolio – Class 3 SunAmerica Asset Management, LLC Franklin Mutual Advisers, LLC |
1.25%* |
12.69% |
10.75% |
6.68% |
|
SA Franklin Systematic U.S. Large Cap Value Portfolio – Class 3 SunAmerica Asset Management, LLC Franklin Advisers, Inc. |
0.90% |
8.05% |
10.45% |
9.87% |
|
SA Invesco Growth Opportunities Portfolio – Class 3 SunAmerica Asset Management, LLC Invesco Advisers, Inc. |
1.07% |
12.42% |
9.17% |
6.90% |
|
SA Janus Focused Growth Portfolio – Class 3 SunAmerica Asset Management, LLC Janus Capital Management, LLC |
1.05%* |
38.98% |
16.38% |
11.81% |
|
SA JPMorgan Emerging Markets Portfolio – Class 3 SunAmerica Asset Management, LLC J.P. Morgan Investment Management Inc. |
1.43%* |
10.14% |
2.99% |
1.60% |
|
SA JPMorgan Equity-Income Portfolio – Class 3 SunAmerica Asset Management, LLC J.P. Morgan Investment Management Inc. |
0.83% |
4.40% |
10.87% |
9.20% |
|
SA JPMorgan Global Equities Portfolio – Class 3 SunAmerica Asset Management, LLC J.P. Morgan Investment Management Inc. |
1.08% |
23.46% |
10.81% |
7.09% |
|
SA JPMorgan Large Cap Core Portfolio4 – Class 3
SunAmerica Asset Management, LLC
J.P. Morgan Investment Management Inc.4 |
0.99%* |
27.13% |
13.94% |
10.00% |
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) |
SA JPMorgan Mid-Cap Growth Portfolio – Class 3 SunAmerica Asset Management, LLC J.P. Morgan Investment Management Inc. |
1.04%* |
23.04% |
15.35% |
11.06% |
|
SA MFS Blue Chip Growth Portfolio – Class 3 SunAmerica Asset Management, LLC Massachusetts Financial Services Company |
0.95% |
40.85% |
16.86% |
12.41% |
|
SA MFS Massachusetts Investors Trust Portfolio – Class 3 SunAmerica Asset Management, LLC Massachusetts Financial Services Company |
0.93%* |
18.74% |
13.48% |
10.11% |
|
SA Morgan Stanley International Equities Portfolio – Class 3 SunAmerica Asset Management, LLC Morgan Stanley Investment Management Inc. |
1.11%* |
16.36% |
6.81% |
2.89% |
|
SA PIMCO RAE International Value Portfolio – Class 3 SunAmerica Asset Management, LLC Pacific Investment Management Company, LLC |
1.07%* |
17.32% |
4.71% |
1.36% |
|
SA Putnam International Growth and Income Portfolio – Class 3 SunAmerica Asset Management, LLC Putnam Investment Management, LLC |
1.26% |
19.18% |
9.57% |
3.76% |
|
SA Wellington Capital Appreciation Portfolio – Class 3 SunAmerica Asset Management, LLC Wellington Management Company LLP |
0.99% |
39.29% |
14.89% |
12.78% |
Volatility
Control |
SA American Funds VCP Managed Allocation Portfolio1 – Class 3
SunAmerica Asset Management, LLC
Capital Research and Management Company
|
1.14%* |
15.57% |
7.30% |
5.29% |
|
SA BlackRock VCP Global Multi Asset Portfolio – Class 3 SunAmerica Asset Management, LLC BlackRock Investment Management, LLC |
1.17%* |
12.04% |
3.90% |
N/A |
|
SA PIMCO VCP Tactical Balanced Portfolio – Class 3 SunAmerica Asset Management, LLC Pacific Investment Management Company, LLC |
1.17% |
11.78% |
5.12% |
4.21% |
|
SA Schroders VCP Global Allocation Portfolio – Class 3 SunAmerica Asset Management, LLC Schroder Investment Management North America |
1.16%* |
15.25% |
4.71% |
N/A |
|
SA T. Rowe Price VCP Balanced Portfolio – Class 3 SunAmerica Asset Management, LLC T. Rowe Price Associates, Inc. |
1.07% |
16.29% |
7.09% |
N/A |
|
SA VCP Dynamic Allocation Portfolio – Class 3 SunAmerica Asset Management, LLC AllianceBernstein L.P. |
1.03% |
13.49% |
6.95% |
4.93% |
|
SA VCP Dynamic Strategy Portfolio – Class 3 SunAmerica Asset Management, LLC AllianceBernstein L.P. |
1.05% |
12.08% |
6.77% |
4.69% |
A |
10% Secure Value Account and select only one Allocation*:
Allocation 1
Allocation 2
Allocation 3
Allocation 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: Asset Allocation
Portfolios: SA American Funds Asset Allocation
SA JPMorgan Diversified Balanced
SA MFS Total Return
Actively Managed
Fund-of-Funds: SA Allocation Balanced
SA Allocation Growth
SA Allocation Moderate
SA Allocation Moderate Growth
Actively Managed
Fund-of-Funds with Volatility Control: SA VCP Dynamic Allocation SA VCP Dynamic Strategy Fixed Income and Money Market Portfolios:
Goldman Sachs VIT Government Money Market Fund
SA American Century Inflation Protection
SA Federated Hermes Corporate Bond
SA JPMorgan MFS Core Bond
SA JPMorgan Ultra-Short Bond
SA PIMCO Global Bond Opportunities
SA Wellington Government and Quality Bond
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
DCA Fixed
Accounts* 6-Month DCA
1-Year DCA |
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 JPMorgan MFS Core Bond
SA JPMorgan Ultra-Short Bond
SA PIMCO Global Bond Opportunities
SA PIMCO VCP Tactical Balanced*
SA Schroders VCP Global Allocation*
SA T. Rowe Price VCP Balanced*
SA VCP Dynamic Allocation
SA VCP Dynamic Strategy
SA Wellington Government and Quality Bond
*You may invest up to a maximum of 50% in each of these Variable Portfolios. |
20% Secure
Value Account |
80% in one or more of the following Variable Portfolios, except as otherwise noted: Goldman Sachs VIT Government Money Market
Fund
SA American Century Inflation Protection
SA American Funds VCP Managed Allocation*
SA BlackRock VCP Global Multi Asset*
SA Federated Hermes Corporate Bond
SA JPMorgan MFS Core Bond
SA JPMorgan Ultra-Short Bond
SA PIMCO Global Bond Opportunities
SA PIMCO VCP Tactical Balanced*
SA Schroders VCP Global Allocation*
SA T. Rowe Price VCP Balanced*
SA VCP Dynamic Allocation
SA VCP Dynamic Strategy
SA Wellington Government and Quality Bond
*You may invest up to a maximum of 50% in each of these Variable Portfolios. |
Option 1 |
10% Secure Value Account |
90% in Allocation 1, 2 or 3*
*Please see the allocations for the formerly available Polaris Portfolio Allocator Models in the POLARIS PORTFOLIO ALLOCATOR PROGRAM and 50%-50% COMBINATION MODEL PROGRAM FOR CONTRACTS ISSUED PRIOR TO FEBRUARY 6, 2017 at the end of this Appendix. |
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
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 |
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, Cash and DCA
Fixed Accounts |
Minimum 20%
Maximum 90% |
SA American Century Inflation Protection SA Federated Hermes Corporate Bond SA JPMorgan MFS Core Bond SA JPMorgan Ultra-Short Bond SA PIMCO Global Bond Opportunities SA Wellington Government and Quality Bond DCA Fixed Accounts* 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 Income VIP Fund
Franklin Allocation 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 Massachusetts
Investors Trust
SA MFS Total Return
SA MFS Blue Chip Growth
SA Morgan Stanley
International Equities
SA PIMCO RAE International
Value Portfolio
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
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 |
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
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 JPMorgan MFS Core Bond
SA JPMorgan Ultra-Short Bond
SA PIMCO Global Bond Opportunities
SA PIMCO VCP Tactical Balanced*
SA Schroders VCP Global Allocation*
SA T. Rowe Price VCP Balanced*
SA VCP Dynamic Allocation
SA VCP Dynamic Strategy
SA Wellington Government and Quality Bond
*You may invest up to a maximum of 50% in each of these Variable Portfolios. |
20% Secure Value Account |
80% in one or more of the following Variable Portfolios, except as otherwise noted: Goldman Sachs VIT Government Money Market
Fund
SA American Century Inflation Protection
SA American Funds VCP Managed Allocation*
SA BlackRock VCP Global Multi Asset*
SA Federated Hermes Corporate Bond
SA JPMorgan MFS Core Bond
SA JPMorgan Ultra-Short Bond
SA PIMCO Global Bond Opportunities
SA PIMCO VCP Tactical Balanced*
SA Schroders VCP Global Allocation*
SA T. Rowe Price VCP Balanced*
SA VCP Dynamic Allocation
SA VCP Dynamic Strategy
SA Wellington Government and Quality Bond
*You may invest up to a maximum of 50% in each of these Variable Portfolios. |
Option 1 |
10% Secure Value Account |
90% in Allocation 1, 2 or 3*
*Please see the allocations for the formerly available Polaris Portfolio Allocator Models in the POLARIS PORTFOLIO ALLOCATOR PROGRAM and 50%-50% COMBINATION MODEL PROGRAM FOR CONTRACTS ISSUED PRIOR TO FEBRUARY 6, 2017 at the end of this Appendix. |
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
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 |
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, Cash and DCA
Fixed Accounts |
Minimum 20%
Maximum 90% |
SA American Century Inflation Protection SA Federated Hermes Corporate Bond SA JPMorgan MFS Core Bond SA JPMorgan Ultra-Short Bond SA PIMCO Global Bond Opportunities SA Wellington Government and Quality Bond DCA Fixed Accounts* 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 Income VIP Fund
Franklin Allocation 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 Systematic
U.S. Large Cap Value
SA Franklin BW 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 Massachusetts
Investors Trust
SA MFS Total Return
SA MFS Blue Chip Growth
SA Morgan Stanley
International Equities
SA PIMCO RAE International
Value Portfolio
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 |
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 American Century Inflation Protection SA Federated Hermes Corporate Bond SA JPMorgan MFS Core Bond SA JPMorgan Ultra-Short Bond SA PIMCO Global Bond Opportunities SA Wellington Government and Quality Bond DCA Fixed Accounts* 6-Month DCA 1-Year DCA 2-Year DCA Fixed Accounts 1-Year Fixed (if available) |
Investment
Group |
Investment
Requirement |
Variable Portfolios
and/or Fixed Accounts |
B. Equity |
Minimum 0%
Maximum 70% |
Franklin Income VIP Fund
Franklin Allocation 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 Massachusetts
Investors Trust
SA MFS Total Return
SA MFS Blue Chip Growth
SA Morgan Stanley
International Equities
SA PIMCO RAE International
Value Portfolio
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 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 Portfolio 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% |
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. |
Oregon
Texas
Washington |
Annuity Date |
You may switch to the Income Phase any time after your first contract
anniversary. |
Florida |
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. |
Colorado
Hawaii
Illinois
New Jersey |
Living Benefits |
Charge will be deducted pro-rata from Variable Portfolios
only. |
Oregon
Texas
Washington |
Minimum Contract Value |
The minimum remaining contract value after a partial withdrawal must
be $2,000. |
Texas |
Nursing Home Waiver |
The Nursing Home Waiver is not available for contracts purchased on or
after May 1, 2014. |
California |
Polaris Income Plus Daily (only) |
Charge will be deducted pro-rata from Variable Portfolios
only. |
Hawaii
Missouri
Oregon
Texas
Washington |
Purchase Payment Age Limit |
The Purchase Payment Age Limit is the later of six years after
contract issue or the Owner’s 66th birthday for
contracts issued May 2, 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 May 2, 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 |
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% |
Benefit
Quarter |
Average
Value of
VIX |
Calculated
Formula
Value* |
Annual
Fee Rate |
Quarterly
Fee Rate** |
1st |
24.82 |
N/A |
1.10% |
0.2750% |
2nd |
21.49 |
N/A |
1.10% |
0.2750% |
3rd |
24.16 |
N/A |
1.10% |
0.2750% |
4th |
19.44 |
N/A |
1.10% |
0.2750% |
5th |
16.88 |
0.94% |
0.94% |
0.2350% |
Benefit
Quarter |
Average
Value
of
VIX |
Calculated
Formula
Value |
Annual
Fee Rate |
Quarterly
Fee Rate |
6th |
20.00 |
1.10% |
1.10% |
0.2750% |
7th |
25.57 |
1.38% |
1.35% |
0.3375% |
8th |
30.22 |
1.61% |
1.60% |
0.4000% |
9th |
26.02 |
1.40% |
1.40% |
0.3500% |
10th |
22.83 |
1.24% |
1.24% |
0.3100% |
11th |
19.88 |
1.09% |
1.09% |
0.2725% |
12th |
20.60 |
1.13% |
1.13% |
0.2825% |
13th |
14.44 |
0.82% |
0.88% |
0.2200% |
14th |
13.41 |
0.77% |
0.77% |
0.1925% |
15th |
9.11 |
0.56% |
0.60% |
0.1500% |
16th |
16.30 |
0.92% |
0.85% |
0.2125% |
Polaris Income Plus Daily |
D-1 |
Polaris Income Plus* |
D-2 |
Polaris Income Plus* Fee |
D-6 |
Polaris Income Builder** |
D-3 |
Polaris Income Builder** Fee |
D-6 |
MarketLock For Life |
D-7 |
MarketLock For Life Fee |
D-9 |
|
|
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 64 and Younger) |
5.5% / 3.0%(2) |
5.5% / 3.0%(2) |
4.0% / 4.0% |
One Covered Person (Age 65 and Older) |
6.0% / 4.0% |
7.0% / 3.0% |
5.0% / 5.0% |
Two Covered Persons (Age 64 and Younger) |
5.0% / 3.0%(3) |
5.0% / 3.0%(3) |
3.5% / 3.5% |
Two Covered Persons (Age 65 and Older) |
5.5% / 4.0% |
6.5% / 3.0% |
4.5% / 4.5% |
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 64 and Younger) |
5.0% / 2.5%(4) |
5.0% / 2.5%(4) |
3.5% / 3.5% |
One Covered Person (Age 65 and Older) |
5.5% / 3.5% |
6.5% / 2.5% |
4.5% / 4.5% |
Two Covered Persons (Age 64 and Younger) |
4.5% / 2.5%(5) |
4.5% / 2.5%(5) |
3.0% / 3.0% |
Two Covered Persons (Age 65 and Older) |
5.0% / 3.5% |
6.0% / 3.0% |
4.0% / 4.0% |
Optional
Living Benefit |
Income Credit
(as a percentage of
the Income Credit
Base) |
Income
Credit Availability |
Polaris Income
Plus |
6.0% |
Available during the first 12
Benefit Years — the Income
Credit is reduced in years
withdrawals are taken |
Polaris Income Builder |
6.0% |
Available during the first 12 Benefit Years — the Income Credit is eliminated in years
any withdrawal is taken |
Number of Covered Persons and Age of Covered
Person at First Withdrawal(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) |
5.5% / 3.0%(2) |
5.5% / 3.0%(2) |
4.0% / 4.0% |
One Covered Person (Age 65 and Older) |
6.0% / 4.0% |
7.0% / 3.0% |
5.0% / 5.0% |
Two Covered Persons (Age 64 and Younger) |
5.0% / 3.0%(3) |
5.0% / 3.0%(3) |
3.5% / 3.5% |
Two Covered Persons (Age 65 and Older) |
5.5% / 4.0% |
6.5% / 3.0% |
4.5% / 4.5% |
Number of Covered Persons and Age of Covered
Person at First Withdrawal* |
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) |
5.0% / 3.0%** |
5.0% / 3.0%** |
3.75% / 3.75% |
One Covered Person (Age 65 and Older) |
5.5% / 4.0% |
6.5% / 3.0% |
5.0% / 5.0% |
Two Covered Persons (Age 64 and Younger) |
4.5% / 3.0%*** |
4.5% / 3.0%*** |
3.25% / 3.25% |
Two Covered Persons (Age 65 and Older) |
5.0% / 4.0% |
6.0% / 3.0% |
4.5% / 4.5% |
Number of Covered Persons and Age of
Covered Person at First Withdrawal* |
Polaris
Income Plus
Income Option with
Custom Allocation |
One Covered Person (Age 64 and Younger) |
4.5% / 3.0%** |
One Covered Person (Age 65 and Older) |
4.5% / 4.0% |
Two Covered Persons (Age 64 and Younger) |
4.0% / 3.0%*** |
Two Covered Persons (Age 65 and Older) |
4.0% / 4.0% |
Number of Covered
Persons and Age of
Covered Person At
First Withdrawal* |
Polaris
Income Plus
Income Option 1 |
Polaris
Income Plus
Income Option 2 |
One Covered Person
(Age 64 and Younger) |
5.5%
/ 3.0%** |
5.5% / 3.0%** |
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%*** |
5.0% / 3.0%*** |
Two Covered Persons
(Age 65 and Older) |
5.0% / 4.0% |
6.0% / 3.0% |
Number of Covered
Persons and Age of
Covered Person At
First Withdrawal* |
Polaris
Income Plus
Income Option 3 |
Polaris
Income Plus
Option With
Custom Allocation |
One Covered Person
(Age 64 and Younger) |
3.75%
/ 3.75% |
4.5% / 3.0%** |
One Covered Person
(Age 65 and Older) |
5.0% / 5.0% |
4.5% / 4.0% |
Two Covered Persons
(Age 64 and Younger) |
3.25%
/ 3.25% |
4.0% / 3.0%*** |
Two Covered Persons
(Age 65 and Older) |
4.5% / 4.5% |
4.0% / 4.0% |
Number of Covered Persons and Age of
Covered Person at First Withdrawal* |
Polaris
Income Builder |
One Covered Person (Age 65 and Older) |
5.5% / 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* |
Polaris
Income Builder |
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* |
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% |
First Contract Year |
Subsequent Contract Years |
100% of Purchase Payments
received |
Purchase Payments received in Contract Year 2, capped at 100% of Purchase Payments received in the first Contract Year |
Number of Covered
Persons and Age of
Covered Person at
First Withdrawal* |
Polaris
Income Plus
Income Option 1 |
Polaris
Income Plus
Income Option 2 |
One Covered Person
(Age 64 and Younger) |
6.0%
/ 3.0%** |
6.0% / 3.0%** |
One Covered Person
(Age 65 and Older) |
6.0%
/ 4.0% |
7.0% / 3.0% |
Two Covered Persons
(Age 64 and Younger) |
5.5%
/ 3.0%*** |
5.5% / 3.0%*** |
Two Covered Persons
(Age 65 and Older) |
5.5% / 4.0% |
6.5% / 3.0% |
Number of Covered
Persons and Age of
Covered Person at
First Withdrawal* |
Polaris
Income Plus
Income Option 3 |
Polaris
Income Plus With
Custom Allocation |
One Covered Person
(Age 64 and Younger) |
4.0% / 4.0% |
5.0% / 3.0%** |
One Covered Person
(Age 65 and Older) |
5.25%
/ 5.25% |
5.0% / 4.0% |
Two Covered Persons
(Age 64 and Younger) |
3.5% / 3.5% |
4.5% / 3.0%*** |
Two Covered Persons
(Age 65 and Older) |
4.75% / 4.75% |
4.5% / 4.0% |
Number of Covered Persons and Age of
Covered Person at First Withdrawal* |
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% |
First Contract Year |
Subsequent Contract Years |
100% of Purchase Payments
Received |
Purchase Payments received in contract years 2-5, capped at 200% of Purchase Payments received in the first contract year |
Number of
Covered Persons
and Age of
Covered Person
at First Withdrawal* |
Income Option 1 |
Income Option 2 | ||
Maximum
Annual
Withdrawal
Percentage |
Protected
Income
Payment
Percentage |
Maximum
Annual
Withdrawal
Percentage |
Protected
Income
Payment
Percentage | |
One Covered Person
(Age 64 and Younger) |
6.0% |
3.0%** |
6.0% |
3.0%** |
One Covered Person
(Age 65 and Older) |
6.0% |
4.0% |
7.0% |
3.0% |
Two Covered Persons
(Age 64 and Younger) |
5.5% |
3.0%*** |
5.5% |
3.0%*** |
Two Covered Persons
(Age 65 and Older) |
5.5% |
4.0% |
6.5% |
3.0% |
Number of
Covered Persons
and Age of
Covered Person
at First Withdrawal* |
Income Option 1 |
Income Option 2 | ||
Maximum
Annual
Withdrawal
Percentage |
Protected
Income
Payment
Percentage |
Maximum
Annual
Withdrawal
Percentage |
Protected
Income
Payment
Percentage | |
One Covered Person
(Age 64 and Younger) |
5.5% |
3.0%** |
5.5% |
3.0%** |
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%*** |
5.0% |
3.0%*** |
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 |
1.10% |
2.20% |
0.60% |
±0.25% |
Two Covered Persons |
1.35% |
2.70% |
0.60% |
±0.25% |
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 |
Values as of |
Purchase
Payment
Invested |
Contract
Value |
Net
Purchase
Payments |
Standard
Death
Benefit |
Issue Date |
$100,000 |
$100,000 |
$100,000 |
$100,000 |
Values as of |
Purchase
Payment
Invested |
Assumed
Contract
Value |
Net
Purchase
Payments |
Standard
Death
Benefit |
Contract Date |
$100,000 |
$100,000 |
$100,000 |
$100,000 |
Year 1 |
$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 |
Standard
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 |
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 |
$155,000 |
$160,000 |
Year 2 |
$90,000 |
$245,000 |
– |
$250,000 |
$245,000 |
$250,000 |
2nd Anniversary |
– |
$260,000 |
$260,000 |
$250,000 |
$260,000 |
$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 |
Standard
Death
Benefit |
Issue Date |
$100,000 |
$100,000 |
$100,000 |
$100,000 |
Values as of |
Purchase
Payment
Invested |
Assumed
Contract
Value |
Net
Purchase
Payments |
Standard
Death
Benefit |
Contract Date |
$100,000 |
$100,000 |
$100,000 |
$100,000 |
Year 1 |
$150,000 |
$245,000 |
$250,000 |
$250,000 |
1st Anniversary |
– |
$270,000 |
$250,000 |
$270,000 |
2nd Anniversary |
– |
$287,000 |
$250,000 |
$287,000 |
Values as of |
Assumed
Contract
Value |
Withdrawal
Taken |
Anniversary
Value |
Assumed
Maximum
Annual
Withdrawal
Amount |
Net
Purchase
Payments |
Standard
Death
Benefit |
3rd Anniversary |
$310,000 |
– |
$310,000 |
$18,600 |
$250,000 |
$310,000 |
Year 4 |
$312,000 |
$15,500 |
– |
$18,600 |
$234,500 |
$296,500 |
4th Anniversary |
$310,000 |
– |
$310,000 |
$18,647 |
$234,500 |
$310,000 |
Year 5 |
$302,000 |
$15,539 |
– |
$18,647 |
$218,961 |
$286,461 |
5th Anniversary |
$305,000 |
– |
$305,000 |
$18,693 |
$218,961 |
$305,000 |
Values as of |
Assumed
Contract
Value |
Withdrawal
Taken |
Anniversary
Value |
Assumed
Maximum
Annual
Withdrawal
Amount |
Net
Purchase
Payments |
Standard
Death
Benefit |
5th Anniversary |
$305,000 |
– |
$305,000 |
$18,693 |
$218,961 |
$305,000 |
Year 6 |
$305,000 |
$24,924 |
– |
$18,286 |
$195,910 |
$280,076 |
6th Anniversary |
$280,000 |
– |
$280,000 |
$18,286 |
$195,910 |
$280,000 |
Year 7 |
$290,000 |
$24,382 |
– |
$17,876 |
$173,639 |
$265,618 |
7th Anniversary |
$260,000 |
– |
$260,000 |
$17,876 |
$173,639 |
$260,000 |
Values as of |
Purchase
Payment
Invested |
Contract
Value |
Net
Purchase
Payments |
Maximum
Anniversary
Value Death
Benefit |
Issue Date |
$100,000 |
$100,000 |
$100,000 |
$100,000 |
Values as of |
Purchase
Payment
Invested |
Assumed
Contract
Value |
Anniversary
Value |
Net
Purchase
Payments |
Maximum
Anniversary
Value |
Maximum
Anniversary
Value Death
Benefit |
Issue Date |
$100,000 |
$100,000 |
– |
$100,000 |
– |
$100,000 |
Year 1 |
$100,000 |
$250,000 |
– |
$200,000 |
– |
$250,000 |
1st Anniversary |
– |
$270,000 |
$270,000 |
$200,000 |
$270,000 |
$270,000 |
2nd Anniversary |
– |
$287,000 |
$287,000 |
$200,000 |
$287,000 |
$287,000 |
3rd Anniversary |
– |
$310,000 |
$310,000 |
$200,000 |
$310,000 |
$310,000 |
Values as of |
Assumed
Contract
Value |
Withdrawal
Taken |
Anniversary
Value |
Assumed
Maximum
Annual
Withdrawal
Amount |
Net
Purchase
Payments |
Maximum
Anniversary
Value |
Maximum
Anniversary
Value Death
Benefit |
3rd Anniversary |
$310,000 |
– |
$310,000 |
$18,600 |
$200,000 |
$310,000 |
$310,000 |
Year 4 |
$312,000 |
$15,500 |
– |
$18,600 |
$184,500 |
$294,500 |
$296,500 |
4th Anniversary |
$310,000 |
– |
$310,000 |
$18,786 |
$184,500 |
$310,000 |
$310,000 |
Year 5 |
$302,000 |
$15,539 |
– |
$18,786 |
$168,961 |
$294,461 |
$294,461 |
5th Anniversary |
$305,000 |
– |
$305,000 |
$18,979 |
$168,961 |
$305,000 |
$305,000 |
Values as of |
Assumed
Contract
Value |
Withdrawal
Taken |
Anniversary
Value |
Assumed
Maximum
Annual
Withdrawal
Amount |
Net
Purchase
Payments |
Maximum
Anniversary
Value |
Maximum
Anniversary
Value Death
Benefit |
5th Anniversary |
$305,000 |
– |
$305,000 |
$18,979 |
$168,961 |
$305,000 |
$305,000 |
Year 6 |
$305,000 |
$24,924 |
– |
$18,584 |
$146,865 |
$280,076 |
$280,076 |
6th Anniversary |
$280,000 |
– |
$280,000 |
$18,584 |
$146,865 |
$280,076 |
$280,076 |
Year 7 |
$290,000 |
$24,382 |
– |
$18,187 |
$125,540 |
$255,906 |
$265,618 |
7th Anniversary |
$260,000 |
– |
$260,000 |
$18,187 |
$125,540 |
$260,000 |
$274,093 |
Values as of |
Purchase
Payments
Invested |
Contract
Value |
Income
Base |
Income
Credit
Base |
Maximum
Annual
Withdrawal
Amount |
Benefit Effective Date |
$100,000 |
$100,000 |
$100,000 |
$100,000 |
$6,000 |
Values as of |
Purchase
Payment
Invested |
Assumed
Contract
Value |
Anniversary
Value |
Income
Base |
Income
Credit
Base |
Income
Credit |
Maximum
Annual
Withdrawal
Amount |
Benefit Effective Date |
$100,000 |
$100,000 |
— |
$100,000 |
$100,000 |
— |
$6,000 |
Year 1 |
$600,000 |
$165,000 |
— |
$160,000 |
$160,000 |
— |
$9,600 |
1st Anniversary |
— |
$170,000 |
$170,000 |
$170,000 |
$170,000 |
$8,800 |
$10,200 |
Year 2 |
$90,000 |
$255,000 |
— |
$260,000 |
$260,000 |
— |
$15,600 |
2nd Anniversary |
— |
$287,000 |
$287,000 |
$287,000 |
$310,000 |
$14,300 |
$17,220 |
Values as of |
Withdrawal
Taken |
Assumed
Contract
Value |
Anniversary
Value |
Income
Base |
Income
Credit
Base |
Income
Credit |
Maximum
Annual
Withdrawal
Amount |
2nd Anniversary |
— |
$287,000 |
$287,000 |
$287,000 |
$287,000 |
$14,300 |
$17,220 |
Year 3 |
— |
$300,000 |
— |
$287,000 |
$287,000 |
— |
$17,220 |
3rd Anniversary |
— |
$310,000 |
$310,000 |
$310,000 |
$310,000 |
$15,785 |
$18,600 |
Year 4 |
$15,500 |
$312,000 |
— |
$310,000 |
$310,000 |
— |
$18,600 |
4th Anniversary |
— |
$311,000 |
$311,000 |
$311,550 |
$310,000 |
$1,550 |
$18,693 |
Year 5 |
$15,578 |
$302,000 |
— |
$311,550 |
$310,000 |
— |
$18,693 |
5th Anniversary |
— |
$305,000 |
$305,000 |
$313,100 |
$310,000 |
$1,550 |
$18,786 |
Values as of |
Withdrawal
Taken |
Assumed
Contract
Value |
Anniversary
Value |
Income
Base |
Income
Credit
Base |
Income
Credit |
Maximum
Annual
Withdrawal
Amount |
5th Anniversary |
— |
$305,000 |
$305,000 |
$313,100 |
$310,000 |
$1,550 |
$18,786 |
Year 6 |
$25,048 |
$280,000 |
— |
$305,594 |
$302,568 |
— |
$18,336 |
6th Anniversary |
— |
$290,000 |
$290,000 |
$305,594 |
$302,568 |
$0 |
$18,336 |
Year 7 |
$24,448 |
$260,000 |
— |
$297,865 |
$294,916 |
— |
$17,872 |
7th Anniversary |
— |
$230,000 |
$230,000 |
$297,865 |
$294,916 |
$0 |
$17,872 |
Values as of |
Assumed
Contract
Value |
Anniversary
Value |
Income
Base |
Income
Credit
Base |
Income
Credit |
Maximum
Annual
Withdrawal
Amount |
Protected
Income
Payment |
7th Anniversary |
$230,000 |
$230,000 |
$297,865 |
$294,916 |
$0 |
$17,872 |
— |
8th Anniversary |
$150,000 |
$150,000 |
$314,086 |
$294,916 |
$16,220 |
$18,845 |
— |
9th Anniversary |
$100,000 |
$100,000 |
$330,306 |
$294,916 |
$16,220 |
$19,818 |
— |
10th Anniversary |
$50,000 |
$50,000 |
$346,526 |
$294,916 |
$16,220 |
$20,792 |
— |
Year 11 |
$0 |
$0 |
$346,526 |
$294,916 |
— |
$20,792 |
— |
11th Anniversary |
$0 |
$0 |
$346,526 |
$294,916 |
— |
— |
$13,861 |
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 No. 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 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. | |
(d)(3) |
Incorporated by reference to Post-Effective Amendment No. 4
and Amendment No. 4, File Nos. 333-185784 and 811-03859,
filed on December 28, 2015, Accession
No. 000193125-15-414565. | |
(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. 0000950123-13-02952.
| |
(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. 0000950123-13-02952.
| |
(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. 0000950123-13-02952.
| |
(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. 0000950123-13-02952.
| |
(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. 0000950123-13-02952.
| |
(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. 5
and Amendment No. 5, File Nos. 333-185778 and 811-03859,
filed on December 28, 2015, Accession
No. 0001193125-15-414547. | |
(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. | |
(d)(12) |
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)(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. |
Exhibit
Number |
Description |
Location |
(d)(14) |
Incorporated by reference to Post-Effective Amendment No. 12
and Amendment No. 12, File Nos. 333-185762 and 811-03859,
filed on April 26, 2017, Accession No.
0001193125-17-138989. | |
(d)(15) |
Incorporated by reference to Post-Effective Amendment No. 12
and Amendment No. 12, File Nos. 333-185762 and 811-03859,
filed on April 26, 2017, Accession No.
0001193125-17-138989. | |
(d)(16) |
Incorporated by reference to Post-Effective Amendment No. 9
and Amendment No. 9, File Nos. 333-185790 and 811-09003,
filed on April 27, 2017, Accession No. 0001193125-17-139853.
| |
(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. 0000950123-13-02952.
| |
(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. | |
(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. | |
(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 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)(5) |
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)(6) |
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)(7) |
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)(8) |
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)(9) |
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. |
Exhibit
Number |
Description |
Location |
(h)(10) |
Incorporated by reference to Initial Registration Statement, File
Nos. 333-185762 and 811-03859, filed on January 2, 2013,
Accession No. 0000950123-12-014430. | |
(i) |
Administrative Contracts |
Not Applicable |
(j) |
Other Material Contracts |
|
(j)(1) |
Incorporated by reference to Pre-Effective Amendment No. 1
and Amendment No. 1, File Nos. 333-172003 and 811-03859,
filed on April 27, 2011, Accession No. 0000950123-11-040077.
| |
(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. 333-185784 and 811-03859,
filed on April 28, 2015, Accession No. 0001193125-15-153206.
| |
(k) |
Incorporated by reference to Initial Registration Statement, File
Nos. 333-185784 and 811-03859, filed on January 2, 2013,
Accession No. 0000950123-12-014439. | |
(l) |
Filed Herewith | |
(m) |
Financial Statements Omitted |
None |
(n) |
Initial Capitalization 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. |
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 |
Mallary L. Reznik (2) |
Senior Vice President, General Counsel and Assistant Secretary |
Names, Positions and Offices Held with Depositor |
|
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 |