GREAT-WEST SMART TRACK ADVISOR
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1 Great-West Secure Income Series of Living Benefits GREAT-WEST SMART TRACK ADVISOR Variable Annuity More income Lower cost Better protection
2 More income, lower costs, better protection The Great-West Smart Track Advisor Variable Annuity and its dual-strategy structure is designed to provide your retirement with more income, at lower costs, with better protection. 1 The following highlights Smart Track Advisor and its available living benefit options. Tax-advantaged growth potential Flexibility to choose from 90+ top-tier investments Investment Strategy Income Strategy Guaranteed income for life 1 Potential for increasing retirement income More income Competitive withdrawal rates Three ways to increase income after withdrawals start: 1. Annual step-ups 2 2. Additional contributions 3. Age-band income resets 2,3 Lower cost Contract M&E: 0.20% No surrender period You only pay the rider fee on assets allocated to the Income Strategy Better protection Optional return-of-premium death benefit for an additional 0.20% 4 Single and joint riders for the same cost 5 Choose single or joint when income starts not at the point of sale More than 90 funds available in the Investment Strategy from leading money managers Four asset allocation funds available in the Income Strategy to provide diversification 1 Guarantee is subject to the claims-paying ability of Great-West Life & Annuity Insurance Company or in New York, Great-West Life & Annuity Insurance Company of New York. More income refers to the Great-West Secure Income Max GLWB rider and its 1% distribution rate increase if the client waits five years to begin taking lifetime withdrawals for an additional fee of 1.20%. Lower costs refers to the dual strategy structure of Great-West Smart Track variable annuities allowing clients to only pay a rider fee on assets allocated to the Income Strategy. Better protection refers to clients having the ability to choose single or joint distributions when they begin receiving lifetime income payments and not at the point of sale. See prospectus for full details. 2 Income increase opportunities are calculated by Great-West Financial on the contract s ratchet date and can occur automatically if max GAW is elected. Otherwise, eligible increases may be elected at any time. 3 Great-West will check for higher income every year after you cross into a new age band. 4 Beneficiaries receive the greater of account value or sum of all contributions less withdrawals. 5 If joint withdrawals are elected, the joint distribution percentage will be based on the younger person s age. The applicable withdrawal percentages are disclosed in the Rate Sheet Supplement in effect at the time the contract is purchased.
3 Great-West Secure Income Foundation Secure Income Foundation offers guaranteed lifetime retirement income at a low cost. Consider this if you are looking to take income now. Three ways to increase income after withdrawals start: Annual step-ups Lock in gains on your contract anniversary if your Covered Fund value is higher than your Benefit Base. Additional contributions and transfers to the Income Strategy will increase your Benefit Base dollar for dollar. Age-band income resets * When you cross into a new age band and your Covered Fund value and the guaranteed annual distribution percentage based on your current age provide a higher level of income. Guaranteed Annual Withdrawals SINGLE RATES JOINT RATES 4 59½ 4.0% 3.5% % 4.5% % 5.0% % 6.0% Charge: 0.90% GROW IT. LOCK IT. NEVER LOSE IT. Your Benefit Base has the potential to go up if the market performs well, but it won t go down during market declines.+ Annual step-ups lock in investment gains and grow the Benefit Base. INITIAL CONTRIBUTION COVERED FUND VALUE FOR ILLUSTRATIVE PURPOSES ONLY. YEAR 1 YEAR 2 YEAR 3 YEAR 4 YEAR 5 * Income increases via annual step-ups and age-band income resets are calculated automatically on your contract anniversary and will automatically go into effect if you elect to receive your max GAW. + Benefit Base may be decreased if excess withdrawals are taken or when it is beneficial to lock in a higher GAW if a reset is elected. INCOME NOW
4 Great-West Secure Income Plus Secure Income Plus offers guaranteed Benefit Base growth and lifetime retirement income. Consider this if you are planning to take income soon. Key Feature: 5% Accumulation Credit The Benefit Base keeps growing each year if the market is down or flat in years when no distributions are taken for up to 10 years. Three ways to increase income after withdrawals start: Annual step-ups Lock in gains on your contract anniversary if your Covered Fund value is higher than your Benefit Base. Guaranteed Annual Withdrawals SINGLE RATES JOINT RATES 4 59½ 4.0% 3.5% % 4.5% % 5.5% Charge: 1.30% Additional contributions and transfers to the Income Strategy will increase your Benefit Base dollar for dollar. Age-band income resets * When you cross into a new age band and your Covered Fund value and the guaranteed annual distribution percentage based on your current age provide a higher level of income. GUARANTEED GROWTH, GUARANTEED INCOME. Your Benefit Base has the potential to go up if the market performs well, but it won t go down during market declines.+ A 5% Accumulation Credit is added to the Benefit Base to help keep it growing when the market is down or flat. Annual step-ups lock in investment gains and grow the Benefit Base. INITIAL CONTRIBUTION COVERED FUND VALUE Accumulation Credits and step-ups work together to grow your future income. FOR ILLUSTRATIVE PURPOSES ONLY. YEAR 1 YEAR 2 YEAR 3 YEAR 4 YEAR 5 * Income increases via annual step-ups and age-band income resets are calculated automatically on your contract anniversary and will automatically go into effect if you elect to receive your max GAW. + Benefit Base may be decreased if excess withdrawals are taken or when it is beneficial to lock in a higher GAW if a reset is elected. INCOME SOON
5 Great-West Secure Income Max Secure Income Max offers a high percentage of guaranteed lifetime retirement income. Consider this if you are planning to take income in five years or more. Key Feature: 1% Distribution Credit Waiting five years or more to take a distribution allows you to take a higher percentage of income. Three ways to increase income after withdrawals start: Annual step-ups Lock in gains on your contract anniversary if your Covered Fund value is higher than your Benefit Base. Additional contributions and transfers to the Income Strategy will increase your Benefit Base dollar for dollar. Age-band income resets * When you cross into a new age band and your Covered Fund value and the guaranteed annual distribution percentage based on your current age provide a higher level of income. Guaranteed Annual Withdrawals SINGLE RATES WITH 5-YEAR CREDIT 59½ 4.0% 5.0% % 6.0% % 6.5% % 7.5% JOINT RATES 4 WITH 5-YEAR CREDIT 59 ½ 3.5% 4.5% % 5.5% % 6.0% % 7.0% Charge: 1.20% MORE GUARANTEED INCOME Your Benefit Base has the potential to go up if the market performs well, but it won t go down during market declines. + Annual step-ups lock in investment gains and grow the Benefit Base. INITIAL CONTRIBUTION COVERED FUND VALUE Wait 5 years to start taking income and get a 1% higher distribution rate. FOR ILLUSTRATIVE PURPOSES ONLY. YEAR 1 YEAR 2 YEAR 3 YEAR 4 YEAR 5 Subsequent contributions have their own five-year waiting period. * Income increases via annual step-ups and age-band income resets are calculated automatically on your contract anniversary and will automatically go into effect if you elect to receive your max GAW. + Benefit Base may be decreased if excess withdrawals are taken or when it is beneficial to lock in a higher GAW if a reset is elected. INCOME LATER
6 A trusted provider At Great-West Financial, we partner with investment professionals nationwide and their clients to help create the best path forward with innovative strategies, solutions and services for investment, insurance and retirement. We have over 100 years of unwavering commitment, even in challenging economic climates. In fact, the opinions of respected rating agencies validate the financial strength of our companies and our abilities to meet ongoing obligations to policyholders. * GWL&A Aa3 GWL&A of NY Aa3 A+ A+ FINANCIAL RATINGS * Standard & Poor s Ratings Services Financial strength: Very strong (second highest of nine categories) Moody s Investors Service Financial strength: Excellent (second highest of nine categories) Fitch Ratings Financial strength: Very strong (second highest of nine categories) A.M. Best Company, Inc. Financial strength: Superior (highest of 10 categories) * These are current ratings for our primary insurance companies: Great-West Life & Annuity Insurance Company and Great-West Life & Annuity Insurance Company of New York. These ratings are subject to change. These ratings do not pertain to the investment performance of the underlying fund, other insurance affiliates or subsidiaries, or noninsurance affiliates or subsidiaries of the company. To learn more about the Great-West Secure Income series of living benefits, speak with your advisor today! Before purchasing a variable annuity, you should carefully read the prospectus which contains the annuity s investment objectives, risks, charges, expenses, and other information associated with the annuity and its investment options. You may obtain a prospectus for the annuity and its underlying funds by calling Great-West Life & Annuity Insurance Company and Great-West Life & Annuity Insurance Company of New York do not offer or provide investment, fiduciary, financial, legal, or tax advice, or act in a fiduciary capacity, for any client unless explicitly described in writing. Please consult with your investment advisor, attorney and/or tax advisor as needed. Unless otherwise noted: NOT FDIC, NCUA/NCUSIF INSURED NOT A DEPOSIT NOT GUARANTEED BY ANY BANK OR CREDIT UNION NOT INSURED BY ANY FEDERAL GOVERNMENT NCY FUNDS MAY LOSE VALUE NOT A CONDITION OF ANY BANKING OR CREDIT UNION ACTIVITY GWFS Equities, Inc., or one or more of its affiliates, may receive a fee from the investment option provider for providing certain recordkeeping, distribution and administrative services. The principal underwriter is GWFS Equities, Inc., Member FINRA/SIPC, a wholly owned subsidiary of Great-West Life & Annuity Insurance Company. Variable annuities are long-term investments and may not be suitable for all investors. Earnings are taxable as ordinary income when distributed and may be subject to a 10% additional tax if withdrawn before age 59 ½. An investment in a variable annuity is subject to fluctuating values of the underlying investment options, and it entails risk, including the possible loss of principal. A withdrawal charge may also apply. Great-West Financial refers to products and services provided by Great-West Life & Annuity Insurance Company (GWL&A), Corporate Headquarters: Greenwood Village, CO; Great-West Life & Annuity Insurance Company of New York (GWL&A of NY), Home Office: NY, NY; and their subsidiaries and affiliates. The trademarks, logos, service marks and design elements used are owned by GWL&A. Interstate Compact contract form numbers ICC16-J100 Series (Individual Flexible Premium Variable Annuity), ICC16-AM-SIF, ICC16-AM-SIP, ICC16-AM-SIM (Guaranteed Lifetime Withdrawal Benefit Riders are issued by GWL&A. GWL&A is not licensed to do business in New York. In New York, contract form numbers J100ny (Individual Flexible Premium Variable Annuities) SIF-AMny, SIP-AMny, SIM-AMny (Guaranteed Lifetime Withdrawal Benefit Riders) are issued by GWL&A of NY. Contracts may not be available in all states. Any guarantees are based on the claims-paying ability of the issuing insurance company Great-West Life & Annuity Insurance Company. All rights reserved. (1/2017) B1011MLB AM
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