THE LINCOLN NATIONAL LIFE INSURANCE COMPANY LINCOLN LIFE VARIABLE ANNUITY ACCOUNT N. ChoicePlus Assurance SM (B Share)
|
|
- Justin Butler
- 5 years ago
- Views:
Transcription
1 THE LINCOLN NATIONAL LIFE INSURANCE COMPANY LINCOLN LIFE VARIABLE ANNUITY ACCOUNT N ChoicePlus Assurance SM (B Share) Supplement dated November 18, 2016 to the Prospectus dated May 1, 2016, as supplemented This Supplement outlines important changes that become effective on and after January 9, These changes are related to: a) Investment options; b) Investment Requirements for Living Benefit Riders; and c) Certain other administrative changes that will impact your ChoicePlus SM individual annuity contract. All other provisions in your prospectus, as supplemented, remain unchanged. This Supplement is for informational purposes only and requires no action on your part. FUND CHANGES The following information outlines changes that will impact the underlying investment options of your contract beginning January 9, 2017: 1. The following funds will be available as new investment options under your contract: Fidelity VIP smanager 50% Portfolio (Service Class 2) First Trust Dow/Jones Dividend & Income Allocation Portfolio (Class I) Invesco V.I. Equally-Weighted S&P 500 (Series II Shares) JPMorgan Insurance Trust Core Bond Portfolio (Class 2) LVIP Franklin Templeton Multi-Asset Opportunities (Service Class) LVIP Goldman Sachs Income Builder (Service Class) LVIP SSGA Mid-Cap Index (Service Class) Putnam VT George Putnam Balanced (Class IB) 2. The following funds that were previously closed will be re-opened for all contractowners: LVIP American Century Select Mid Cap Managed Volatility (Service Class) LVIP ClearBridge Large Cap Managed Volatility (Service Class) LVIP Invesco Select Equity Managed Volatility (Service Class) FUND EXPENSES - The following item shows the minimum and maximum total expenses charged by the funds that you may pay periodically during the time that you own the contract. The expenses are for the year ending December 31, 2015 (or estimates for newly created funds). More detail concerning each fund s fees and expenses is contained in the prospectus for each fund. Minimum Maximum Total Annual Operating Expenses (expenses that are deducted from fund assets, including management fees, 0.46% 2.07% distribution and/or service (12b-1) fees, and other expenses) Total Annual Operating Expenses (after contractual reimbursements*) 0.46% 1.71% *Some of the funds have entered into contractual waiver or reimbursement arrangements that may reduce fund management and other fees and/or expenses during the period of the arrangement. These arrangements vary in length, but no arrangement will terminate before April 30, The following table shows the expenses charged by the funds and share classes that are being added (as a percentage of the fund s average net assets): Management Fees (before any Reimbursements) + 12b-1 Fees (before any + Other Expenses (before any + Acquired Fees and Expenses (AFFE) = Total Expenses (before any Total Contractual reimbursements (if any) Total Expenses (after any 1
2 Fidelity VIP smanager 50% Portfolio (Service Class 2) (1) First Trust Dow/Jones Dividend & Income Allocation Portfolio (Class I) (2) Invesco V.I. Equally-Weighted S&P 500 (Series II Shares) JPMorgan Insurance Trust Core Bond Portfolio (Class 2) (3) LVIP Franklin/ Templeton Multi- Asset Opportunities (Service Class) (4) LVIP Goldman Sachs Income Builder (Service Class) (5) LVIP SSGA Mid- Cap Index (Service Class) Putnam VT George Putnam Balanced (Class IB) 0.25% 0.25% 0.00% 0.57% 1.07% -0.15% 0.92% 0.60% 0.25% 0.49% 0.00% 1.34% -0.14% 1.20% 0.12% 0.25% 0.43% 0.00% 0.80% 0.00% 0.80% 0.40% 0.25% 0.21% 0.01% 0.87% -0.02% 0.85% 0.75% 0.25% 0.71% 0.36% 2.07% -0.89% 1.18% 0.65% 0.25% 0.64% 0.00% 1.54% -0.54% 1.00% 0.27% 0.25% 0.05% 0.00% 0.57% 0.00% 0.57% 0.52% 0.25% 0.20% 0.00% 0.97% 0.00% 0.97% (1) FMRC has contractually agreed to waive 0.05% of the fund's management fee. This arrangement will remain in effect through April 30, In addition, FMR has contractually agreed to reimburse 0.10% of class-level expenses for Service Class 2. This arrangement will remain in effect for at least one year from the effective date of the prospectus, and will remain in effect thereafter as long as Service Class 2 continue to be sold to unaffiliated insurance companies. (2) The 's Investment advisor has agreed to waive fees and/or pay the 's expenses to the extent necessary to prevent the operating expenses of the Class I shares and Class shares (excluding interest expense, brokerage commissions and other trading expenses, taxes and extraordinary expenses) from exceeding 1.20% and 0.95%, respectively, of the 's average daily assets per year at least until May 1, Expenses borne by the 's investment advisor are subject to reimbursement by the up to three years from the date of the fee or expense was incurred, but no reimbursement payment will be made by the at any time if it would result in the Class I share or Class II share expenses (excluding interest expense, brokerage commissions and other trading expenses, taxes and extraordinary expenses) exceeding 1.20% and 0.95%, respectively, of the 's average daily net assets per year. The agreement may be terminated by the Trust on behalf of the at any time and by the 's investment advisor only after May 1, 2017 upon 60 days' written notice. (3) The Portfolio s adviser and/or its affiliates have contractually agreed to waive fees and/or reimburse expenses to the extent Total Annual Operating Expenses of Class 2 Shares (excluding Acquired Fees and Expenses other than certain money market fund fees as described below, dividend and interest expenses related to short sales, interest, taxes, expenses related to litigation and potential litigation, and extraordinary expenses) exceed 0.85% of the average daily net assets. The Portfolio may invest in one or more money market funds advised by the Adviser or its affiliates (affiliated money market funds). The s adviser and/or administrator have contractually agreed to waive fees and/or reimburse expenses in an amount sufficient to offset the respective net fees each collects from the affiliated money market funds on the Portfolio s investment in such money market funds. These waivers are in effect through 4/30/2017, at which time the adviser and/or its affiliates will determine whether to renew or revise them. (4) Lincoln Investment Advisors Corporation (the adviser ) has contractually agreed to waive the following portion of its advisory fee: 0.28% of the s average daily net assets. The adviser has also contractually agreed to reimburse the to the extent that the Total Annual Operating Expenses (excluding AFFE) exceed 0.57% of the s average daily net assets for the Standard Class (and 0.82% for the Service Class). Both agreements will continue at least through April 30, 2017 and cannot be terminated before that date without the mutual agreement of the s board of trustees and the adviser. The Total Annual Operating Expenses do not correlate to the ratio of expenses to the average net assets appearing in the Financial Highlights table which reflects only the operating expenses of the and does not include AFFE. (5) Lincoln Investment Advisors Corporation (the adviser ) has contractually agreed to reimburse the to the extent that the Total Annual Operating Expenses (excluding AFFE) exceed 0.75% of the s average daily net assets for the Standard Class (and 1.00% for the Service Class). The agreement will continue at least through April 30, 2017 and cannot be terminated before that date without the mutual agreement of the s board of trustees and the adviser. 2
3 EXAMPLES The following Examples are intended to help you compare the cost of investing in the contract with the cost of investing in other variable annuity contracts. These costs include Contractowner transaction expenses, contract fees, separate account annual expenses, and fund fees and expenses. The Examples have been calculated using the fees and expenses of the funds prior to the application of any contractual waivers and/or reimbursements. The first Example assumes that you invest $10,000 in the contract for the time periods indicated. The Example also assumes that your investment has a 5% return each year, the maximum fees and expenses of any of the funds and that the EGMDB and Lincoln Market Select Advantage at the guaranteed maximum charge are in effect. Although your actual costs may be higher or lower, based on these assumptions, your costs would be: 1) If you surrender your contract at the end of the applicable time period: $1,310 $2,418 $3,508 $5,908 2) If you annuitize or do not surrender your contract at the end of the applicable time period: $610 $1,818 $3,008 $5,908 The next example assumes you have purchased Lincoln Long-Term Care SM Advantage rider and have elected either the Growth Benefit option or the Level Benefit option. The example also assumes that you are age 69 (Growth Benefit option) or age 74 (Level Benefit option) and invest $10,000 in the contract for the time periods indicated. The example assumes a 5% return each year, the maximum fees and expenses of any of the funds, election of the Optional Nonforfeiture provision, and that the EGMDB Death Benefit is in effect. Although your actual costs may be higher or lower, based on these assumptions, your costs would be: 1) If you surrender your contract at the end of the applicable time period: Growth Benefit Option $1,351 $2,534 $3,695 $6,241 Level Benefit Option $1,394 $2,660 $3,896 $6,599 2) If you annuitize or do not surrender your contract at the end of the applicable time period: Growth Benefit Option $651 $1,934 $3,195 $6,241 Level Benefit Option $694 $2,060 $3,396 $6,599 For more information, see Charges and Other Deductions in this prospectus, and the prospectuses for the funds. Premium taxes may also apply, although they do not appear in the examples. Different fees and expenses not reflected in the examples may be imposed during a period in which Annuity Payouts are made. See The Contracts - Annuity Payouts. These examples should not be considered a representation of past or future expenses. Actual expenses may be more or less than those shown. INVESTMENTS OF THE VARIABLE ACCOUNT DESCRIPTION OF THE FUNDS. This section outlines the investment objectives for the fund additions listed above. More detailed information may be obtained from the current prospectus for each fund. You should read each fund prospectus carefully before investing. Please be advised that there is no assurance that any of the funds will achieve their stated objectives. AIM Variable Insurance s (Invesco Variable Insurance s), advised by Invesco Advisers, Inc. Invesco V.I. Equally-Weighted S&P 500 * (Series II Shares): To seek to achieve a high level of total return on its assets through a combination of capital appreciation and current income. Fidelity Variable Insurance Products, advised by Fidelity Management and Research Company Fidelity VIP smanager 50% Portfolio (Service Class 2): Seeks high total return; a fund of funds. First Trust Variable Insurance Trust, advised by First Trust Advisers, L.P. 3
4 First Trust Dow/Jones Dividend & Income Allocation Portfolio (Class I): Seeks to provide total return by allocating among dividend-paying stocks and investment grade bonds. JPMorgan Insurance Trust, advised by J.P. Morgan Investment Management Inc. JPMorgan Insurance Trust Core Bond Portfolio (Class 2): Seeks to maximize total return by investing primarily in a diversified portfolio of intermediate and long-term debt securities. LVIP Variable Insurance Products Trust, advised by Lincoln Investment Advisors Corporation LVIP Franklin Templeton Multi-Asset Opportunities (Service Class): Long-term growth of capital. LVIP Goldman Sachs Income Builder (Service Class): Seeks a balance of current income and capital appreciation. LVIP SSGA Mid-Cap Index (Service Class): Seeks to approximate as closely as practicable, before fees and expenses, the performance of a broad market index that emphasizes stocks of midsized U.S. companies. Putnam Variable Trust, advised by Putnam Investment Management, LLC Putnam VT George Putnam Balanced (Class IB): Seeks to provide a balanced investment composed of a well-diversified portfolio of stocks and bonds which produce both capital growth and current income. *The Index this portfolio is managed to (the Index ) is a product of S&P Dow Jones Indices LLC ( SPDJI ) and has been licensed for use by one or more of the portfolio s service providers ( Licensee ). Standard & Poor s and S&P are registered trademarks of Standard & Poor s Financial Services LLC ( S&P ); Dow Jones is a registered trademark of Dow Jones Trademark Holdings LLC ( Dow Jones ); and these trademarks have been licensed for use by SPDJI and sublicensed for certain purposes by Licensee. Licensee s product(s) is not sponsored, endorsed, sold or promoted by SPDJI, Dow Jones, S&P, their respective affiliates and none such parties make any representation regarding the advisability of investing in such product(s) nor do they have any liability for any errors, omissions, or interruptions of the Index. THE CONTRACTS INVESTMENT REQUIREMENTS. If you have elected a Living Benefit Rider, you may be subject to the Investment Requirements outlined in the prospectus, according to which Living Benefit Rider you own. Please refer to your prospectus to determine if you are subject to Investment Requirements. The changes outlined below are effective January 9, All other provisions of Investment Requirements remain unchanged. The following changes apply to Investment Requirements for Managed Risk Riders. The JPMorgan Insurance Trust Core Bond Portfolio will be added to the list of subaccounts under Group 1, and to the list of funds among which you may allocate 100% of your Contract Value. The following changes apply to Investment Requirements for other Living Benefit Riders purchased on or after August 29, Beginning January 9, 2017, you must currently allocate your Contract Value among one or more of the following Subaccounts: Group 1 Investments must be at least 40% of Contract Value or Account Value (if i4life Advantage is in effect) Delaware VIP Diversified Income Series LVIP Delaware Diversified Floating Rate Delaware VIP Limited-Term Diversified Income Series LVIP Dimensional/Vanguard Total Bond JPMorgan Insurance Trust Core Bond LVIP PIMCO Low Duration Bond LVIP BlackRock Inflation Protected Bond LVIP SSGA Bond Index LVIP Delaware Bond Group 2 Investments cannot exceed 60% of Contract Value or Account Value (if i4life Advantage is in effect) AB VPS Small/Mid Cap Value Portfolio LVIP Dimensional U.S. Core Equity 2 American Century VP Balanced LVIP Franklin Templeton Multi-Asset Opportunities American s Global Growth LVIP Global Conservative Allocation Managed Risk American s Growth LVIP Global Growth Allocation Managed Risk American s Growth-Income LVIP Global Moderate Allocation Managed Risk American s International LVIP Goldman Sachs Income Builder BlackRock Global Allocation V.I. LVIP Government Money Market Delaware VIP Small Cap Value Series LVIP JPMorgan High Yield Delaware VIP U.S. Growth Series LVIP MFS International Growth Delaware VIP Value Series LVIP MFS Value 4
5 Fidelity VIP Contrafund Portfolio Fidelity VIP smanager 50% Portfolio Fidelity VIP Mid Cap Portfolio First Trust/Dow Jones Dividend & Income Allocation Portfolio Franklin Income VIP Franklin Mutual Shares VIP Invesco V.I. Equally-Weighted S&P 500 Invesco V.I. International Growth JPMorgan Insurance Trust Global Allocation Portfolio LVIP American Global Growth LVIP American Growth LVIP American Growth-Income LVIP American International LVIP Baron Growth Opportunities LVIP BlackRock Global Allocation V.I. Managed Risk LVIP BlackRock Global Growth ETF Allocation Managed Risk LVIP BlackRock U.S. Growth ETF Allocation Managed Risk LVIP Delaware Social Awareness LVIP Delaware Special Opportunities LVIP Dimensional International Core Equity LVIP Dimensional U.S. Core Equity 1 LVIP Mondrian International Value LVIP SSGA Conservative Index Allocation LVIP SSGA Conservative Structured Allocation LVIP SSGA Developed International 150 LVIP SSGA Global Tactical Allocation Managed Volatility LVIP SSGA International Index LVIP SSGA Large Cap 100 LVIP SSGA Mid-Cap Index LVIP SSGA Moderate Index Allocation LVIP SSGA Moderate Structured Allocation LVIP SSGA Moderately Aggressive Index Allocation LVIP SSGA Moderately Aggressive Structured Allocation LVIP SSGA S&P 500 Index LVIP SSGA Small-Cap Index LVIP SSGA Small-Mid Cap 200 LVIP T. Rowe Price Structured Mid-Cap Growth LVIP U.S. Growth Allocation Managed Risk LVIP Vanguard Domestic Equity ETF LVIP Vanguard International Equity ETF LVIP Wellington Mid-Cap Value MFS VIT Growth Series MFS VIT Total Return Series Putnam VT George Putnam Balanced The fixed account is only available for dollar cost averaging. As an alternative, to satisfy these Investment Requirements, you may allocate 100% of your Contract Value among the Subaccounts listed below. If you allocate less than 100% of Contract Value or i4life Advantage Account Value among these Subaccounts, then the Subaccounts listed below that are also listed in Group 1 will be subject to the Group 1 restrictions. Any remaining Subaccounts listed below that are not listed in Group 1 will fall into Group 2 and be subject to Group 2 restrictions. American Century VP Balanced BlackRock Global Allocation V.I. Delaware VIP Diversified Income Series Delaware VIP Limited-Term Diversified Income Series Fidelity VIP smanager 50% Portfolio First Trust/Dow Jones Dividend & Income Allocation Portfolio JPMorgan Insurance Trust Core Bond LVIP BlackRock Global Allocation V.I. Managed Risk LVIP BlackRock Global Growth ETF Allocation Managed Risk LVIP BlackRock Inflation Protected Bond LVIP Delaware Bond LVIP BlackRock U.S. Growth ETF Allocation Managed Risk LVIP Delaware Diversified Floating Rate LVIP Dimensional/Vanguard Total Bond LVIP Franklin Templeton Multi-Asset Opportunities LVIP Global Conservative Allocation Managed Risk LVIP Global Growth Allocation Managed Risk LVIP Global Moderate Allocation Managed Risk LVIP Goldman Sachs Income Builder LVIP PIMCO Low Duration Bond LVIP SSGA Bond Index LVIP SSGA Conservative Index Allocation LVIP SSGA Conservative Structured Allocation LVIP SSGA Global Tactical Allocation Managed Volatility LVIP SSGA Moderate Index Allocation LVIP SSGA Moderate Structured Allocation LVIP U.S. Growth Allocation Managed Risk MFS VIT Total Return Series Putnam VT George Putnam Balanced As an alternative, to satisfy these Investment Requirements, 100% of the Contract Value may be allocated in accordance with certain asset allocation models made available to you by your broker-dealer. You may only 5
6 choose one asset allocation model at a time, though you may change to a different asset allocation model available in your contract that meets the Investment Requirements or reallocate Contract Value according to the Investment Requirements listed above. If you terminate an asset allocation model, you must follow the Investment Requirements applicable to your rider. We may exclude an asset allocation model from being available for investment at any time, in our sole discretion. You will be notified prior to the date of such a change. The following changes apply to Option 2 - Investment Requirements and Option 3 - Investment Requirements for other Living Benefit Riders purchased prior to August 29, The JPMorgan Insurance Trust Core Bond Portfolio will be added to the list of subaccounts under Group 1, and to the list of funds among which you may allocate 100% of your Contract Value. The LVIP SSGA Mid-Cap Index and Invesco V.I. Equally-Weighted S&P 500 will be added to the list of subaccounts under Group 2. The Fidelity VIP smanager 50% Portfolio, First Trust Dow/Jones Dividend & Income Allocation Portfolio, LVIP Franklin/Templeton Multi-Asset Opportunities, LVIP Goldman Sachs Income Builder, and Putnam VT George Putnam Balanced will be added to Group 2, and to the list of funds among which you may allocate 100% of your Contract Value. THE CONTRACTS ALLOCATION OF PURCHASE PAYMENTS. The following information is added as a new paragraph to this section: If an underlying fund imposes restrictions with respect to the acceptance of Purchase Payments or allocations, we reserve the right to reject an allocation request at any time the underlying fund notifies us of such a restriction. We will notify you if your allocation request is or becomes subject to such restrictions. THE CONTRACTS TRANSFERS ON OR BEFORE THE ANNUITY COMMENCEMENT DATE. The following information is added to this section: We may defer or reject a transfer request that is subject to a restriction imposed by an underlying fund. LIVING BENEFIT RIDERS GUARANTEED INCOME BENEFIT WITH i4life Advantage. The name of the i4life Advantage Guaranteed Income Benefit (version 5) rider will be changed to i4life Advantage Select Guaranteed Income Benefit. Please retain this Supplement for future reference. 6
Lincoln Investor Advantage
Lincoln Investor Advantage LINCOLN VARIABLE ANNUITIES Not a deposit Not FDIC-insured May go down in value Not insured by any federal government agency Not guaranteed by any bank or savings association
More informationRetireReady SM Extra a variable annuity issued by Genworth Life and Annuity Insurance Company
as of March 31, 2019 For contracts issued prior to May 1, 2003, or prior to the date on which state insurance authorities approve applicable contract modifications. RetireReady SM Extra 19337 04/01/19
More informationRetireReady SM Choice a variable annuity issued by Genworth Life and Annuity Insurance Company
as of June 30, 2018 For contracts issued prior to May 1, 2003, or prior to the date on which state insurance authorities approve applicable contract modifications. RetireReady SM Choice 17022 07/01/18
More informationRetireReady SM Extra a variable annuity issued by Genworth Life and Annuity Insurance Company
as of July 31, 2018 For contracts issued after May 1, 2003 and prior to December 18, 2006 RetireReady SM Extra 41578 08/01/18 (expires 09/15/18) 2018 Genworth Financial, Inc. All rights reserved. Page
More informationRetireReady SM Protection Plus variable life insurance issued by Genworth Life and Annuity Insurance Company
as of December 31, 2018 RetireReady SM Protection Plus variable life insurance 17410 01/01/19 (expires 02/15/19) 2018 Genworth Financial, Inc. All rights reserved. Page 1 of 9 IMPORTANT INFORMATION The
More informationPortfolio Allocation Models. for Lincoln Financial Group s Variable Life Insurance Products
Portfolio Allocation Models for Lincoln Financial Group s Variable Life Insurance Products 40% (Conservative) Allocation Model M s Portfolio Allocation Models for Lincoln Financial Group s Variable Insurance
More informationInvestment Option Fund Expenses
Option Fund s s and expenses are as of 9/30/18. All Portfolios are not available in all products. (1) (2) (3) (4) (5) (6) (7) (8) s AB VPS Dynamic Asset Allocation Portfolio 6 B 0.70% 0.25% 0.13% 1.08%
More informationRetireReady SM Choice a variable annuity issued by Genworth Life and Annuity Insurance Company
as of June 30, 2018 For contracts issued on or after May 1, 2003 RetireReady SM Choice 19801 07/01/18 (expires 08/15/18) 2018 Genworth Financial, Inc. All rights reserved. Page 1 of 13 IMPORTANT INFORMATION
More informationInvestment Option Fund Expenses
Investment Option Fund s Fees and expenses are as of 5/31/18. All Portfolios are not available in all products. (1) (2) (3) (4) (5) (6) (7) (8) Investment Options Share Class Investment Management Fee
More informationRetireReady SM Freedom a variable annuity issued by Genworth Life and Annuity Insurance Company
as of July 31, 2018 For contracts issued on or after May 1, 2003 RetireReady SM Freedom 19804 08/01/18 (expires 09/15/18) 2018 Genworth Financial, Inc. All rights reserved. Page 1 of 11 IMPORTANT INFORMATION
More informationLincoln Investor Advantage
Lincoln Investor Advantage Protecting wealth through tax-efficient investing LINCOLN VARIABLE ANNUITIES Client Guide Not a deposit Not FDIC-insured May go down in value Not insured by any federal government
More informationRetireReady SM Selections a variable annuity issued by Genworth Life and Annuity Insurance Company
as of October 31, 2018 For contracts issued on or after May 1, 2003 RetireReady SM Selections 19807 11/01/18 (expires 12/15/18) 2018 Genworth Financial, Inc. All rights reserved. Page 1 of 13 IMPORTANT
More informationCommonwealth Variable Annuity NY a variable annuity issued by Genworth Life Insurance Company of New York
as of September 30, 2018 Commonwealth Variable Annuity NY 14608 10/01/18 (expires 11/15/18) 2018 Genworth Financial, Inc. All rights reserved. Page 1 of 8 IMPORTANT INFORMATION The following information
More informationLincoln Investor Advantage
Lincoln Investor Advantage Protecting wealth through tax-efficient investing LINCOLN VARIABLE ANNUITIES Client Guide Not a deposit Not FDIC-insured May go down in value Not insured by any federal government
More informationCommonwealth Extra a variable annuity issued by Genworth Life and Annuity Insurance Company
as of May 31, 2018 Commonwealth Extra 15608 06/01/18 (expires 07/15/18) 2018 Genworth Financial, Inc. All rights reserved. Page 1 of 7 IMPORTANT INFORMATION The following information is designed to help
More informationCommonwealth Variable Annuity Plus a variable annuity issued by Genworth Life and Annuity Insurance Company
as of August 31, 2018 Commonwealth Variable Annuity Plus (includes Mitchell contracts) 13761 09/01/18 (expires 10/15/18) 2018 Genworth Financial, Inc. All rights reserved. Page 1 of 8 IMPORTANT INFORMATION
More informationCommonwealth Variable Universal Life variable life insurance issued by Genworth Life and Annuity Insurance Company
as of January 31, 2018 Commonwealth Variable Universal Life variable life insurance issued by 14609 02/01/18 (expires 03/15/18) 2018 Genworth Financial, Inc. All rights reserved. Page 1 of 6 IMPORTANT
More informationEffective on or about August 24, 2018, the following fund renaming occurred in the Schwab Advisor Choice Variable Annuity:
Effective on or about August 24, 2018, the following fund renaming occurred in the Schwab Advisor Choice Variable Annuity: Great-West Loomis Sayles Bond Fund will be renamed to the Great-West Multi-Sector
More informationTransamerica Advisor Elite SM NY Variable Annuity
Transamerica Advisor Elite SM NY Variable Annuity The performance quoted represents past performance and does not guarantee future results; and current performance may be lower or higher than the performance
More informationManagement Inc. Capital Appreciation. Series Fund, Inc. Bond. International Growth Common Stock. Large Cap Growth. International Value Mid Cap 1
Sentinel Advantage Variable Annuity P R O S P E C T U S Dated May 1, 2016 National Life Insurance Company Home Office: One National Life Drive, Montpelier, Vermont 05604 1-800-732-8939 The Contracts described
More informationPersonal Income Design One NY a variable annuity issued by Genworth Life Insurance Company of New York
as of September 30, 2018 For contracts with a 7-year surrender charge option Personal Income Design One NY 49815NY 10/01/18 (expires 11/15/18) 2018 Genworth Financial, Inc. All rights reserved. Page 1
More informationInvest in your future
Investment choices performance report October 31, 2018 Nationwide Destination SM L 2.0 Invest in your future Answers to frequently asked questions. What you should know about purchasing a variable annuity
More informationInvest in your future
Investment choices performance report September 30, 2018 Nationwide Destination SM All American Gold 2.0 Invest in your future Answers to frequently asked questions. What you should know about purchasing
More informationInvest in your future
Investment choices performance report August 31, 2018 Nationwide Destination SM Navigator 2.0 Invest in your future Answers to frequently asked questions. What you should know about purchasing a variable
More informationhij abc Variable Adjustable Life Horizon Prospectus May 1, 2017
Prospectus May 1, 2017 Variable Adjustable Life Horizon This document consists of Prospectuses for the Minnesota Life Variable Life Account, a separate account of the Minnesota Life Insurance Company,
More informationVariable Annuity Contracts
Variable Annuity Contracts As disclosed in the current prospectus for your variable product, MassMutual and certain affiliated companies may receive compensation from certain funds or the fund advisers
More informationInvest in your future
Investment choices performance report December 31, 2017 Nationwide Destination SM B 2.0 Invest in your future Answers to frequently asked questions. What you should know about purchasing a variable annuity
More informationYour investment. Your choice.
ONCORE VARIABLE ANNUITIES Your investment. Your choice. This material is for general use with the public and is not intended to provide investment advice for any individual. NOT A DEPOSIT NOT FDIC INSURED
More informationLincoln American Legacy Retirement Performance Update (Monthly hypothetical performance)
Lincoln American Legacy Retirement Performance Update (Monthly hypothetical performance) March 29, 2018 The performance data quoted below represents past performance; past performance does not guarantee
More informationRiverSource Retirement Advisor Advantage Plus variable annuity - New York
RiverSource Retirement Advisor Advantage Plus variable annuity - New York Issued by RiverSource Life Insurance Co. of New York, Albany, NY (RiverSource Life of NY) Performance for Annuities for month ending
More informationInvestment Guide. Explore new possibilities for diversified investing. MEMBERS Life Insurance Company
M E M B E R S H O R I Z O N Guide Explore new possibilities for diversified investing MEMBERS Life Insurance MHA-1449442 NOT FDIC/NCUA/NCUSIF INSURED NOT BANK OR CREDIT UNION GUARANTEED MAY LOSE VALUE
More informationhij abc Variable Adjustable Life Prospectus May 1, 2017 Prospectus for Variable Adjustable Life May 1, 2017 Securian
Prospectus for Variable Adjustable Life May 1, 2017 Securian Prospectus May 1, 2017 Variable Adjustable Life This document consists of Prospectuses for the Minnesota Life Variable Life Account, a separate
More informationAmeritas Advisor Services Ameritas No-Load VA 6150 Prospectus May 1, 2016
Ameritas Advisor Services Ameritas No-Load VA 6150 Prospectus May 1, 2016 Ameritas Life Insurance Corp. PF 619 5-16 Ameritas Life Insurance Corp. ("Ameritas Life") Ameritas Life Insurance Corp. Separate
More informationRiverSource Variable Universal Life IV, RiverSource Variable Universal Life IV Estate Series (ES)
RiverSource Variable Universal Life IV Estate Series (ES) Issued by RiverSource Life Insurance Company (RiverSource Life) Performance for Insurance for month ending 08/31/2018 and quarter ending 06/30/2018
More informationForeInvestors Choice Variable Annuity B-Share Sub-Account Performance Summary as of July 31, 2018
PERFORMANCE DATA QUOTED REPRESENTS PAST PERFORMANCE AND DOES NOT GUARANTEE FUTURE RESULTS Performance results include reinvestment of all distributions at net value The investment return and principal
More informationYour retirement. The information you need when you need it.
Nationwide Destination Freedom+ SM Investment choices The information you need when you need it. As you review the investment options available with Nationwide Destination Freedom+ SM, you ll want to be
More informationTransamerica Advisor Elite SM Variable Annuity
Transamerica Advisor Elite SM Variable Annuity The performance quoted represents past performance and does not guarantee future results; and current performance may be lower or higher than the performance
More informationS-6611 CD (4/18) S-6325 CD (4/18) S-6612 CD (4/18) S-6325 CD (4/18)
Supplement dated April 30, 2018 to the Prospectuses and Statements of Additional Information (SAIs) dated April 30, 2018 Prospectus Form #/Date SAI Form #/Date Product Name RiverSource RAVA 5 Advantage
More informationRiverSource Retirement Advisor 4 Advantage variable annuity
RiverSource Retirement Advisor 4 Advantage variable annuity Issued by RiverSource Life Insurance Company (RiverSource Life) Performance for Annuities for month ending 03/31/2018 and quarter ending 03/31/2018
More informationVariable Investment Option Performance Update
Variable Investment Option Performance Update Brighthouse Life Insurance Company The performance data quoted represents past performance and does not guarantee future results. Current performance may be
More informationNew York Life Income Plus Variable Annuity Performance Summary As of March 31, 2019
As of March 31, 2019 To obtain a copy of the product and funds prospectuses, please contact your NYLIFE Securities LLC Registered Representative or call 1-800-598-2019. Investors are asked to consider
More informationRETIREREADYSM VARIABLE INCOME PROVIDER
STOP THE PAPER! VISIT GENWORTH.COM TO REGISTER TO RECEIVE DOCUMENTS VIA E-MAIL. RETIREREADYSM VARIABLE INCOME PROVIDER May 1, 2008 Genworth Life & Annuity VA Separate Account 3 PROSPECTUS FOR A MODIFIED
More informationTransamerica Freedom SM Variable Annuity
Transamerica Freedom SM Variable Annuity The performance quoted represents past performance and does not guarantee future results; and current performance may be lower or higher than the performance quoted.
More informationMonthly Registered Fund Performance Summary As of February 28, 2019
Monthly Registered Performance Summary As of February 28, 2019 This report shows the actual investment performance of the s available with NYLIAC s retail variable universal life insurance products. These
More informationRiverSource Variable Universal Life
Issued by RiverSource Life Insurance Company (RiverSource Life) Performance for Insurance for month ending 06/30/2018 and quarter ending 06/30/2018 Average annual rates of return reflect all charges incurred
More informationCopeland Variable Annuity
408(b) (2) Fee Disclosure Statement Copeland Variable Annuity The Department of Labor requires disclosure of fees, compensation and services provided to the plan to the responsible plan fiduciary. The
More informationRiverSource Variable Universal Life - New York
RiverSource Variable Universal Life - New York Issued by RiverSource Life Insurance Co. of New York, Albany, NY (RiverSource Life of NY) Performance for Insurance for month ending 11/30/2017 and quarter
More informationRiverSource RAVA 5 Advantage variable annuity
RiverSource RAVA 5 Advantage variable annuity Issued by RiverSource Life Insurance Company (RiverSource Life) Performance for Annuities for month ending 03/31/2018 and quarter ending 03/31/2018 Current
More informationInvest in your future
Investment choices performance report September 30, 2018 Nationwide Destination SM L Invest in your future Answers to frequently asked questions. What you should know about purchasing a variable annuity
More informationSchwab OneSource Choice - Return of Premium Death Benefit Investment Performance as of 11/30/2018
Schwab OneSource Choice - Return of Premium Death Benefit - 90008-0 Investment Performance as of /0/208 Current performance may be lower or higher than performance data shown. Performance data quoted represents
More informationInvest in your future
Investment choices performance report December 31, 2017 The Best of America V Invest in your future Answers to frequently asked questions. What you should know about purchasing a variable annuity What
More informationTransamerica Landmark SM Variable Annuity
Transamerica Landmark SM Variable Annuity The performance quoted represents past performance and does not guarantee future results; and current performance may be lower or higher than the performance quoted.
More informationQuality investments. Confident choices. Your guide to investment choices for Nationwide variable annuities
INVESTMENT CHOICES Quality investments. Confident choices. Your guide to investment choices for Nationwide variable annuities Not a deposit Not FDIC or NCUSIF insured Not guaranteed by the institution
More informationNew York Life Flexible Premium Variable Annuity Performance Summary
As of February 28, 2019 For policies investing in NYLIAC Variable Annuity Separate Account III purchased before June 2, 2003 To obtain a copy of the product and funds prospectuses, please contact your
More informationRiverSource RAVA 5 Select variable annuity
RiverSource RAVA 5 Select variable annuity Issued by RiverSource Life Insurance Company (RiverSource Life) Performance for Annuities for month ending 12/31/2017 and quarter ending 12/31/2017 Current applicable
More informationRetireReady SM Selections a variable annuity issued by Genworth Life and Annuity Insurance Company
as of March 31, 2016 For contracts issued on or after May 1, 2003 RetireReady SM Selections 19807 04/01/16 (expires 05/15/16) 2016 Genworth Financial, Inc. All rights reserved. Page 1 of 13 IMPORTANT INFORMATION
More informationClass AA Variable Investment Option Performance Update
Variable Investment Option Performance Update Brighthouse Life Insurance Company of NY The performance data quoted represents past performance and does not guarantee future results. Current performance
More informationRiverSource Variable Second-to-Die Life Insurance
RiverSource Variable Second-to-Die Life Insurance Issued by RiverSource Life Insurance Company (RiverSource Life) Performance for Insurance for month ending 07/31/2018 and quarter ending 06/30/2018 Average
More informationInvest in your future
Investment choices performance report March 31, 2018 The Best of America America s VISION Annuity Invest in your future Answers to frequently asked questions. What you should know about purchasing a variable
More informationLSU VOLUNTARY 403B PLAN
P E R F O R M A N C E U P D A T E LSU VOLUNTARY 403B PLAN Average Annual Total Returns as of: 06/30/2015 (shown in percentages) Mutual funds offered through a retirement plan are investments designed for
More informationRiverSource Variable Universal Life III
Issued by RiverSource Life Insurance Company (RiverSource Life) Performance for Insurance for month ending 08/31/2018 and quarter ending 06/30/2018 Average annual rates of return reflect all charges incurred
More informationVARIABLE ANNUITIES INVESTMENT GUIDE
VARIABLE ANNUITIES INVESTMENT GUIDE As of 5/1/17 INVESTMENT AND INSURANCE PRODUCTS ARE: NOT FDIC INSURED NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY NOT A DEPOSIT OR OTHER OBLIGATION OF, OR GUARANTEED
More informationRiverSource Variable Second-to-Die Life Insurance - New York
RiverSource Variable Second-to-Die Life Insurance - New York Issued by RiverSource Life Insurance Co. of New York, Albany, NY (RiverSource Life of NY) Performance for Insurance for month ending 08/31/2018
More informationTransamerica Landmark SM ML Variable Annuity
Transamerica Landmark SM ML Variable Annuity The performance quoted represents past performance and does not guarantee future results; and current performance may be lower or higher than the performance
More informationNew York Life Flexible Premium Variable Annuity Performance Summary
As of February 28, 2019 For policies investing in NYLIAC Variable Annuity Separate Account III purchased June 2, 2003 onwards To obtain a copy of the product and funds prospectuses, please contact your
More informationS-6611 CD (4/18) S-6325 CD (4/18) S-6612 CD (4/18) S-6325 CD (4/18)
Supplement dated April 30, 2018 to the Prospectuses and Statements of Additional Information (SAIs) dated April 30, 2018 Prospectus Form #/Date SAI Form #/Date Product Name RiverSource RAVA 5 Advantage
More informationNationwide Life Insurance Company Nationwide Variable Account-II
Nationwide Destination SM Navigator 2.0 Prospectus dated May 1, 2018 An Individual Flexible Premium Deferred Variable Annuity Contract Issued by Nationwide Life Insurance Company Through its Nationwide
More informationNew York Life Flexible Premium Variable Annuity Performance Summary
As of January 31, 2019 For policies investing in NYLIAC Variable Annuity Separate Account I To obtain a copy of the product and funds prospectuses, please contact your NYLIFE Securities LLC Registered
More informationRiverSource RAVA 5 Advantage variable annuity - New York
RiverSource RAVA 5 Advantage variable annuity - New York Issued by RiverSource Life Insurance Co. of New York, Albany, NY (RiverSource Life of NY) Performance for Annuities for month ending 06/30/2018
More informationNationwide Destination SM [L]
Nationwide Destination SM [L] Prospectus dated May 1, 2018 An Individual Flexible Purchase Payment Deferred Variable Annuity Contract Issued by Nationwide Life Insurance Company Through its Nationwide
More informationInvest in your future
Investment choices performance report December 31, 2017 Nationwide Destination Freedom + SM Invest in your future Answers to frequently asked questions. What you should know about purchasing a variable
More informationRiverSource RAVA 5 Select variable annuity
RiverSource RAVA 5 Select variable annuity Issued by RiverSource Life Insurance Company (RiverSource Life) Performance for Annuities for month ending 12/31/2018 and quarter ending 12/31/2018 Current applicable
More informationAmeritas Advisor Services Ameritas Advisor No-Load VA Prospectus May 1, 2017
Ameritas Advisor Services Ameritas Advisor No-Load VA Prospectus May 1, 2017 Ameritas Life Insurance Corp. PF 679 5-17 Ameritas Life Insurance Corp. ("Ameritas Life") Ameritas Life Insurance Corp. Separate
More informationThe Lincoln Director SM
The Lincoln Director SM Performance Update (Monthly hypothetical performance) November 30, 2018 The performance data quoted below represents past performance; past performance does not guarantee future
More informationNew York Life Premier Plus Variable Annuity Performance Summary Premium Based M&E Charge Structure As of February 28, 2019
As of February 28, 2019 To obtain a copy of the product and funds prospectuses, please contact your NYLIFE Securities LLC Registered Representative or call 1-800-598-2019. Investors are asked to consider
More informationInvest in your future
Investment choices performance report April 30, 2018 Nationwide Destination SM B Invest in your future Answers to frequently asked questions. What you should know about purchasing a variable annuity What
More informationTEXAS A&M UNIVERSITY ORP
P E R F O R M A N C E U P D A T E TEXAS A&M UNIVERSITY ORP Average Annual Total Returns as of: 03/31/2019 (shown in percentages) Variable annuities and mutual funds offered through a retirement plan are
More informationInvest in your future
Investment choices performance report March 31, 2018 Nationwide Destination SM Architect 2.0 Invest in your future Answers to frequently asked questions. What you should know about purchasing a variable
More informationRiverSource Retirement Group Annuity Contract II
May 1, 2014 RiverSource Retirement Group Annuity Contract II This wrapper contains a prospectus and a prospectus supplement dated May 1, 2014. S-6612 D (5/14) Issued by: RiverSource Life Insurance Company
More informationRoll-up Rate: 5.5% Effective Compounded Daily Withdrawal Percentages
PRUDENTIAL PREMIER ADVISOR VARIABLE ANNUITIES (Offering Highest Daily Lifetime Income v3.0) PRUCO LIFE INSURANCE COMPANY PRUCO LIFE FLEXIBLE PREMIUM VARIABLE ANNUITY ACCOUNT Supplement dated January 15,
More informationInvest in your future
Investment choices performance report July 31, 2015 The Best of America Achiever Annuity Invest in your future Answers to frequently asked questions. What you should know about purchasing a variable annuity
More informationThe Lincoln Director SM
The Lincoln Director SM Performance Update (Monthly hypothetical performance) The performance data quoted below represents past performance; past performance does not guarantee future results. Investment
More informationPROSPECTUS May 1, 2007
OVERTURE ANNUITY PROSPECTUS May 1, 2007 Ameritas Life Insurance Corp. AN 1067 5/07 Ameritas Life Insurance Corp. ("Ameritas Life") Ameritas Variable Separate Account V and Ameritas Variable Separate Account
More informationPRUDENTIAL PREMIER ADVISOR VARIABLE ANNUITY PRUDENTIAL PREMIER RETIREMENT VARIABLE ANNUITY PRUDENTIAL PREMIER INVESTMENT VARIABLE ANNUITY
PRUDENTIAL PREMIER ADVISOR VARIABLE ANNUITY PRUDENTIAL PREMIER RETIREMENT VARIABLE ANNUITY PRUDENTIAL PREMIER INVESTMENT VARIABLE ANNUITY PRUCO LIFE INSURANCE COMPANY PRUCO LIFE FLEXIBLE PREMIUM VARIABLE
More informationInvest in your future
Investment choices performance report June 30, 2018 Nationwide Marathon SM Performance VUL Invest in your future Answers to frequently asked questions. What you should know about purchasing variable life
More informationNew York Life Flexible Premium Variable Annuity Performance Summary
As of March 31, 2019 For policies investing in NYLIAC Variable Annuity Separate Account II To obtain a copy of the product and funds prospectuses, please contact your NYLIFE Securities LLC Registered Representative
More informationTransamerica Landmark SM ML Variable Annuity
Transamerica Landmark SM ML Variable Annuity The performance quoted represents past performance and does not guarantee future results; and current performance may be lower or higher than the performance
More informationThe Lincoln Elite Series of Funds
FOR LIFE Variable Universal Life Insurance The Lincoln Elite Series of Funds Client Investment Options Guide The Lincoln National Life Insurance Company Lincoln Life & Annuity Company of New York Not a
More informationSENTINEL ADVANTAGE VARIABLE ANNUITY 5 NON-STANDARDIZED ADJUSTED HISTORIC AVERAGE ANNUAL RETURNS BEFORE SURRENDER CHARGE
Page of 7 SENTINEL ADVANTAGE VARIABLE ANNUITY NON-STANDARDIZED ADJUSTED HISTORIC AVERAGE ANNUAL RETURNS BEFORE SURRENDER CHARGE Average annual returns as February 8, 09 SAVA is a Variable Annuity Contract
More informationAMERITAS ADVISOR SERVICES. No-Load Variable Annuity (4080) May 2010 PROSPECTUS
AMERITAS ADVISOR SERVICES PROSPECTUS No-Load Variable Annuity (4080) May 2010 PF 145 5/10 Ameritas Advisor Services is a division of Ameritas Life Insurance Corp. Ameritas Life Insurance Corp. ("Ameritas
More informationAMERITAS ADVISOR SERVICES PROSPECTUS. Survivorship Variable Universal Life May 2008
AMERITAS ADVISOR SERVICES PROSPECTUS Survivorship Variable Universal Life May 2008 PF 230 5/08 Ameritas Advisor Services is a division of Ameritas Life Insurance Corp. Ameritas Life Insurance Corp. ("Ameritas
More informationEvergreen Pathways SM Select Variable Annuity (Contract Option C)
Evergreen Pathways SM Select Variable Annuity (Contract Option C) Issued by RiverSource Life Insurance Company (RiverSource Life) A Flexible-Premium, Deferred Variable Annuity Performance for Annuities
More informationRiverSource Signature Variable Annuity
April 30, 2018 RiverSource Signature Variable Annuity This wrapper contains a prospectus. 43444 CD (4/18) Issued by: RiverSource Life Insurance Company Gumer C. Alvero Director and Executive Vice President
More informationThe Best of America America s Exclusive Annuity II
408(b) (2) Fee Disclosure Statement The Best of America America s Exclusive Annuity II The Department of Labor requires disclosure of fees, compensation and services provided to the plan to the responsible
More informationCommonwealth 401(k) a variable annuity issued by Genworth Life and Annuity Insurance Company
as of December 31, 2018 Commonwealth 401(k) 14002 01/01/19 (expires 02/15/19) 2018 Genworth Financial, Inc. All rights reserved. Page 1 of 7 IMPORTANT INFORMATION The following information is designed
More informationThe Legal Proceedings section of the prospectus is deleted and replaced in its entirety with the following: LEGAL PROCEEDINGS
AMERICAN GENERAL LIFE INSURANCE COMPANY SEPARATE ACCOUNT D PLATINUM INVESTOR IMMEDIATE VARIABLE ANNUITY CONTRACTS SUPPLEMENT DATED SEPTEMBER 19, 2007 TO CONTRACT PROSPECTUS Effective September 19, 2007,
More informationInvest in your future
Investment choices performance report September 30, 2018 Schwab Income Choice Variable Annuity Invest in your future Answers to frequently asked questions. What you should know about purchasing a variable
More informationCommonwealth Extra a variable annuity issued by Genworth Life and Annuity Insurance Company
as of October 31, 2017 Commonwealth Extra 15608 11/01/17 (expires 12/15/17) 2017 Genworth Financial, Inc. All rights reserved. Page 1 of 7 IMPORTANT INFORMATION The following information is designed to
More informationThe Lincoln Director SM for the State of New York
The Lincoln Director SM for the State of New York Performance Update (Monthly hypothetical performance) February 28, 2019 The performance data quoted below represents past performance; past performance
More informationRiverSource Retirement Advisor Variable Annuity
RiverSource Retirement Advisor Variable Annuity Issued by RiverSource Life Insurance Company (RiverSource Life) Performance for Annuities for month ending 11/30/2017 and quarter ending 09/30/2017 Current
More information