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Pre-Effective Amendment No. |
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Post-Effective Amendment No. 11 |
[X] |
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Amendment No. 12 |
[X] |
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H-1 | |
I-1 |
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FEES AND EXPENSES |
Location in Prospectus |
Charges for Early Withdrawals |
Not Applicable |
N/A |
Transaction Charges |
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. These fees and expenses do not reflect advisory fees you pay to your investment adviser including Advisory Fees withdrawn from your contract. If such charges were reflected, the fees and expenses would be higher. |
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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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 additional Purchase Payments, transfers, or withdrawals •No sales charges or advisory fees |
Assumes: •Investment of $100,000 •5% annual appreciation •Most expensive combination of optional benefits and Underlying Fund fees and expenses •No additional Purchase Payments, transfers, or withdrawals •No sales charges or advisory fees |
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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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Transfer Fee1 (Per transfer after 15 transfers in any contract year) |
$ |
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% |
Transfer Fee1 (Per transfer after 15 transfers in any contract year) |
$25 |
Base Contract Expenses2 (deducted from the average daily ending net asset value allocated to the Variable Portfolios) |
0.40% |
Return of Purchase Payment |
0.15% |
Maximum Anniversary Value |
0.40% |
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Initial Fee4 |
Maximum Fee4 |
One Covered Person |
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Two Covered Persons |
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Lifetime Income Option Change Fee5 |
0.25% |
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Initial Fee4 |
Maximum Fee4 |
One Covered Person |
1.00% |
2.50% |
Two Covered Persons |
1.25% |
2.50% |
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Initial Fee4 |
Maximum Fee4 |
One Covered Person |
1.15% |
2.50% |
Two Covered Persons |
1.35% |
2.50% |
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Minimum |
Maximum |
Expenses deducted from Underlying Fund assets, including management fees, distribution and/or service (12b-1) fees, if applicable, and other expenses. |
0.21% |
1.64% |
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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% |
1 year |
3 years |
5 years |
10 years |
$ |
$ |
$ |
$ |
1 year |
3 years |
5 years |
10 years |
$ |
$ |
$ |
$ |
1 year |
3 years |
5 years |
10 years |
$ |
$ |
$ |
$ |
1 year |
3 years |
5 years |
10 years |
$ |
$ |
$ |
$ |
Without Optional Benefits |
With Optional Living Benefit |
With Optional Maximum Anniversary Death Benefit |
85 |
80* |
80 |
Minimum Initial Purchase Payment(1) |
Minimum Subsequent Purchase Payment |
Minimum Automatic Subsequent Purchase Payment |
$25,000 |
$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 |
JPM Chase-AGL 100330 Premium Processing Center 2710 Media Center Drive Building #6, Suite 120 Los Angeles, CA 90065-1750 |
Annuity Service Center P.O. Box 15570 Amarillo, Texas 79105-5570. |
You can gain or lose money if you invest in these Variable Portfolios. You are responsible for allocating Purchase Payments to the Variable Portfolios as appropriate for your own individual circumstances, investment goals, financial situation and risk tolerance. You should periodically review your allocations and values to ensure they continue to suit your needs. You bear the risk of any decline in contract value resulting from the performance of the Variable Portfolio you have selected. In making your investment selections, you should investigate all information available to you including the Underlying Fund’s prospectus, statement of additional information and annual and semi-annual reports. |
We do not provide investment advice, nor do we recommend or endorse any particular Underlying Fund. |
DCA Fixed Account |
Minimum Purchase Payment |
6-Month |
$600 |
12-Month |
$1,200 |
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) |
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 |
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 4th 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 •The Advisory Fee Program will not be available to you and withdrawals to pay an Advisory Fee are not permitted |
Polaris Income Plus Daily Flex Living Benefit (For contracts issued before October 13, 2020) |
A guaranteed minimum withdrawal benefit, designed for individuals who want greater investment option flexibility and more 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 4th 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 •The Advisory Fee Program will not be available to you and withdrawals to pay an Advisory Fee are not permitted |
Polaris Income Plus Daily Living Benefit |
A guaranteed minimum withdrawal benefit with frequent step-up opportunities |
2.50% (as a percentage of Income Base) |
•Excess withdrawals may significantly reduce or terminate the benefit •Step-up opportunities change from daily to annually after first withdrawal •Investment requirements limit available investment options •For contracts with Minimum Income Base (contracts issued prior to 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 4th 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 •The Advisory Fee Program will not be available to you and withdrawals to pay an Advisory Fee are not permitted |
Name of Benefit |
Purpose |
Maximum Fee |
Brief Description of Restrictions/Limitations |
Polaris Income Plus Living Benefit |
A guaranteed minimum withdrawal benefit with Income Credits and step-up opportunities |
2.50% (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 4th 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 •The Advisory Fee Program will not be available to you and withdrawals to pay an Advisory Fee are not permitted |
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 1-4 |
4th Benefit Year Anniversary |
Years 4+ |
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 |
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 |
0.40% |
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% |
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Underlying Fund – Share Class Advisor Subadvisor (if applicable) |
Current Expenses |
Average Annual Total Returns (as of 12/31/2023) | ||
1 Year |
5 Year |
10 Year | |||
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N/A |
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N/A |
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N/A |
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N/A |
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N/A |
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N/A |
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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- |
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– Institutional Shares |
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Type |
Underlying Fund – Share Class Advisor Subadvisor (if applicable) |
Current Expenses |
Average Annual Total Returns (as of 12/31/2023) | ||
1 Year |
5 Year |
10 Year | |||
Stock (continued) |
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N/A |
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N/A |
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N/A |
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N/A |
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– Class 1 |
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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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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: |
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Goldman Sachs VIT Government Money Market Fund |
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Core Fixed Income Portfolios: |
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PIMCO Total Return |
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SA American Century Inflation Protection |
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SA Federated Hermes Corporate Bond |
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SA Fixed Income Index |
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SA Fixed Income Intermediate Index |
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SA JPMorgan MFS Core Bond |
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SA JPMorgan Ultra-Short Bond |
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SA PIMCO Global Bond Opportunities |
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SA Wellington Government & Quality Bond |
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DCA Fixed Accounts* |
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6-Month DCA |
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1-Year DCA |
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Fixed Accounts |
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1-Year Fixed (if available) |
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PRIMARY EQUITY AND ASSET ALLOCATION PORTFOLIOS Investment Requirement Minimum 0% Maximum 72%** | |
Global & International Portfolios: |
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SA Emerging Markets Equity Index |
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SA International Index |
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SA JPMorgan Global Equities |
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SA Morgan Stanley International Equities |
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Large Core Portfolios: |
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SA American Funds Growth-Income |
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SA Franklin Systematic U.S. Large Cap Core |
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SA JPMorgan Large Cap Core Portfolio |
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SA Large Cap Index |
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SA MFS Massachusetts Investors Trust |
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Large Value Portfolios: |
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Invesco V.I. Comstock |
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Invesco V.I. Growth and Income |
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Lord Abbett Growth and Income |
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SA Franklin BW U.S. Large Cap Value |
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SA Franklin Systematic U.S. Large Cap Value |
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SA JPMorgan Equity-Income |
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SA Large Cap Value Index |
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Large Growth Portfolios: |
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Invesco V.I. American Franchise |
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SA AB Growth |
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SA American Funds Growth |
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SA Janus Focused Growth |
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SA Large Cap Growth Index |
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SA MFS Blue Chip Growth |
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SA Wellington Capital Appreciation |
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Small & Mid Cap Portfolios: |
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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 |
Up to 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 DFA Ultra Short Bond SA Federated Hermes Corporate Bond SA Fixed Income Index SA Fixed Income Intermediate Index SA Goldman Sachs Global Bond SA JPMorgan MFS Core Bond 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 |
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 Portfolio 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. |
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 |
Advisory Fee Program |
The Advisory Fee withdrawal program is not available. |
North Dakota |
Annuity Date |
You may switch to the Income Phase any time after your first contract anniversary. |
Florida Oregon |
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 |
Joint Ownership |
Benefits and Features to be made available to Domestic Partners |
California District of Columbia Maine Nevada Oregon Washington Wisconsin |
Joint Ownership |
Benefits and Features to be made available to Civil Union Partners |
California Colorado Hawaii Illinois New Jersey Rhode Island |
Minimum Contract Value |
The minimum remaining contract value after a partial withdrawal must be $2,000. |
Texas |
Polaris Income Max Polaris Income Plus Daily Flex Polaris Income Plus Flex |
Charge will be deducted pro-rata from Variable Portfolios only. |
Connecticut Hawaii Missouri Oregon Texas Vermont Virginia Washington |
Polaris Income Plus |
Charge will be deducted pro-rata from Variable Portfolios only. |
Missouri Oregon Texas Washington |
Polaris Income Plus Daily |
Charge will be deducted pro-rata from Variable Portfolios only. |
Hawaii Missouri Oregon Texas 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-14 |
Additional Important Information Applicable to Polaris Income Max and Polaris Income Plus Daily Flex |
F-15 |
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-31 |
Additional Important Information Applicable to Polaris Income Plus Flex & Polaris Income Plus Daily Flex |
F-32 |
Polaris Income Plus & Polaris Income Plus Daily |
F-35 |
Polaris Income Plus Fee |
F-43 |
Polaris Income Plus Daily Fee |
F-44 |
Additional Important Information Applicable to Polaris Income Plus & Polaris Income Plus Daily |
F-45 |
|
|
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. |
Initial Annual Fee |
1.25% One Covered Person 1.25% Two Covered Persons | |
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 (38 investment options) or Build Your Own Allocation (79 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 1-4 |
4th Benefit Year Anniversary |
Years 4+ |
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 1-4 |
4th Benefit Year Anniversary |
Years 4+ |
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 |
Polaris Income Plus |
6% |
Available during the first 12 Benefit Years — the Income Credit is reduced in years withdrawals are taken |
Polaris Income Plus Daily |
Not available |
Not available |
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) |
12th Benefit Year Anniversary |
200% |
Benefit Year Anniversary (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% |
Living Benefit Parameter |
Polaris Income Plus |
Polaris Income Plus Daily |
Initial Annual Fee |
1.00% One Covered Person 1.25% Two Covered Persons |
1.15% One Covered Person 1.35% Two Covered Persons |
Minimum Income Base |
Minimum Income Base Percentage: 200% Minimum Income Base Period: 12 years if no withdrawals are taken |
Range of Minimum Income Base Percentage*: 105% - 175% Minimum Income Base Period: Years 1-15; upon the first withdrawal, no further adjustments are made to the Minimum Income Base |
Income Credit |
6% Income Credit available in first 12 Benefit Years – the Income Credit is reduced in years withdrawals are taken |
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) |
10% in Secure Value Account 90% in Variable Portfolios (total of 35 investment options) |
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) |
6.5% / 4.0% |
7.5% / 3.0% |
5.25% / 5.25% |
One Covered Person (Age 72 and Older) |
7.0% / 4.0% |
8.0% / 3.0% |
5.5% / 5.5% |
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) |
6.0% / 4.0% |
7.0% / 3.0% |
4.75% / 4.75% |
Two Covered Persons (Age 72 and Older) |
6.5% / 4.0% |
7.5% / 3.0% |
5.0% / 5.0% |
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%(4) |
3.75% / 2.75%(4) |
3.0% / 3.0% |
One Covered Person (Age 60 - 64) |
4.75% / 2.75%(4) |
4.75% / 2.75%(4) |
3.50% / 3.50% |
One Covered Person (Age 65 - 71) |
6.5% / 4.0% |
7.5% / 3.0% |
5.25% / 5.25% |
One Covered Person (Age 72 and Older) |
7.0% / 4.0% |
8.0% / 3.0% |
5.5% / 5.5% |
Two Covered Persons (Age 45 - 59) |
3.25% / 2.75%(5) |
3.25% / 2.75%(5) |
2.75% / 2.75% |
Two Covered Persons (Age 60 - 64) |
4.25% / 2.75%(5) |
4.25% / 2.75%(5) |
3.25% / 3.25% |
Two Covered Persons (Age 65 - 71) |
6.0% / 4.0% |
7.0% / 3.0% |
4.75% / 4.75% |
Two Covered Persons (Age 72 and Older) |
6.5% / 4.0% |
7.5% / 3.0% |
5.0% / 5.0% |
Number of Covered Persons |
Maximum Annual Fee Rate |
Minimum Annual Fee Rate |
Maximum Annualized Fee Rate Decrease or Increase Each Benefit Quarter* |
One Covered Person |
2.50% |
0.60% |
±0.40% |
Two Covered Persons |
2.50% |
0.60% |
±0.40% |
Number of 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% |
Cancellation Request Received |
Cancellation Effective Date |
Years 1-4 |
4th Benefit Year Anniversary |
Years 4+ |
Benefit Quarter Anniversary following the receipt of the cancellation request |
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 |
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% |
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 Pre-Effective Amendment No. 3 and Amendment No. 3, File Nos. 333-213338 and 811-03859, filed December 14, 2016, Accession No. 0001193125-16-793053. | |
(d)(2) |
Incorporated by reference to Pre-Effective Amendment No. 3 and Amendment No. 3, File Nos. 333-213338 and 811-03859, filed December 14, 2016, Accession No. 0001193125-16-793053. | |
(d)(3) |
Incorporated by reference to Pre-Effective Amendment No. 3 and Amendment No. 3, File Nos. 333-213338 and 811-03859, filed December 14, 2016, Accession No. 0001193125-16-793053. | |
(d)(4) |
Incorporated by reference to Post-Effective Amendment No. 12 and Amendment No. 12, File Nos. 333-185762 and 811-03859, filed April 26, 2017, Accession No. 0001193125-17-138989. | |
(d)(5) |
Incorporated by reference to Post-Effective Amendment No. 12 and Amendment No. 12, File Nos. 333-185762 and 811-03859, filed April 26, 2017, Accession No. 0001193125-17-138989. | |
(d)(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. | |
(d)(7) |
Incorporated by reference to Post-Effective Amendment No. 12 and Amendment No. 12, File Nos. 333-185762 and 811-03859, filed April 26, 2017, Accession No. 0001193125-17-138989. | |
(d)(8) |
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. | |
(d)(9) |
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. | |
(d)(10) |
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. | |
(d)(11) |
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. |
Exhibit Number |
Description |
Location |
(d)(12) |
Incorporated by reference to Pre-Effective Amendment No. 3 and Amendment No. 3, File Nos. 333-213338 and 811-03859, filed December 14, 2016, Accession No. 0001193125-16-793053. | |
(d)(13) |
Incorporated by reference to Pre-Effective Amendment No. 3 and Amendment No. 3, File Nos. 333-213338 and 811-03859, filed December 14, 2016, Accession No. 0001193125-16-793053. | |
(d)(14) |
Incorporated by reference to Pre-Effective Amendment No. 3 and Amendment No. 3, File Nos. 333-213338 and 811-03859, filed December 14, 2016, Accession No. 0001193125-16-793053. | |
(d)(15) |
Incorporated by reference to Pre-Effective Amendment No. 3 and Amendment No. 3, File Nos. 333-213338 and 811-03859, filed December 14, 2016, Accession No. 0001193125-16-793053. | |
(d)(16) |
Incorporated by reference to Pre-Effective Amendment No. 3 and Amendment No. 3, File Nos. 333-213338 and 811-03859, filed December 14, 2016, Accession No. 0001193125-16-793053. | |
(d)(17) |
Incorporated by reference to Post-Effective Amendment No. 2 and Amendment No. 3, File Nos. 333-198223 and 811-03859, filed April 30, 2015, Accession No. 0001193125-15-161094. | |
(d)(18) |
Incorporated by reference to Post-Effective Amendment No. 1 and Amendment No. 4, File Nos. 333-213338 and 811-03859, filed April 27, 2017, Accession No. 0001193125-17-139875. | |
(d)(19) |
Incorporated by reference to Post-Effective Amendment No. 1 and Amendment No. 4, File Nos. 333-213338 and 811-03859, filed April 27, 2017, Accession No. 0001193125-17-139875. | |
(d)(20) |
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 Pre-Effective Amendment No. 1 and Amendment No. 1, File Nos. 333-223017 and 811-03859, filed on April 27, 2018, Accession No. 0001193125-18-139351. | |
(e)(2) |
Incorporated by reference to Post-Effective Amendment No. 5 and Amendment No. 6, File Nos. 333-223017 and 811-03859, filed on April 28, 2021, Accession No. 0001193125-21-137099. | |
(e)(3) |
Incorporated by reference to Post-Effective Amendment No. 5 and Amendment No. 6, File Nos. 333-223017 and 811-03859, filed on April 28, 2021, Accession No. 0001193125-21-137099. | |
(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 |
Exhibit Number |
Description |
Location |
(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 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)(4) |
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)(5)(a) |
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)(5)(b) |
Incorporated by reference to Pre-Effective Amendment No. 3 and Amendment No. 3, File Nos. 333-213338 and 811-03859, filed December 14, 2016, Accession No. 0001193125-16-793053. | |
(h)(6) |
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)(7)(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)(7)(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 |
(j) |
Other Material Contracts |
Not Applicable |
(k) |
Incorporated by reference to Pre-Effective Amendment No. 1 and Amendment No. 1, File Nos. 333-223017 and 811-03859, filed on April 27, 2018, Accession No. 0001193125-18-139351. | |
(l) |
Filed Herewith | |
(m) |
Financial Statements Omitted |
None |
(n) |
Initial Capitalization Agreement |
Not Applicable |
(o) |
Incorporated by reference to Post-Effective Amendment No. 7 and Amendment No. 8, File Nos. 333-223017 and 811-083859, filed on February 14, 2022. | |
(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 |
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 |