Hartford Variable Universal Life Last Survivor
|
|
- Hilda Ryan
- 6 years ago
- Views:
Transcription
1 INDIVIDUAL LIFE INSURANCE A Consumer Resource FACTS-AT-A-GLANCE Hartford Variable Universal Life Last Survivor One Permanent Life Insurance Policy Insuring Two Lives NOT INSURED BY FDIC OR ANY FEDERAL GOVERNMENT AGENCY MAY LOSE NOT A DEPOSIT OF OR GUARANTEED VALUE BY ANY BANK OR ANY BANK AFFILIATE FDIC BANK
2 How the Policy Works Your policy premiums buy life insurance with the potential growth of account value. Once applicable sales charges and taxes are deducted, the net premiums are invested in the investment choices you select. The performance of the investment choices will determine your policy s account value, which will fluctuate. Charges are deducted monthly from the policy account value. The policy value must be sufficient to cover the monthly charges and help ensure that the death benefit is funded. Upon your death, your beneficiary will receive the income tax-free death benefit of the policy minus any outstanding loans or withdrawals. The death benefit may be included in your estate for Federal estate tax purposes. 12 Professional Money Managers Aggressive Growth Hartford Growth Opportunities HLS Fund Hartford International Small Company HLS Fund Putnam VT Capital Opportunities Fund Putnam VT New Opportunities Fund Income American Funds Bond Fund Hartford Mortgage Securities HLS Fund Hartford Total Return Bond HLS Fund Putnam VT High Yield Fund Putnam VT Income Fund Growth and Income American Funds Blue Chip Income and Growth Fund American Funds Growth-Income Fund Fidelity VIP Equity-Income Portfolio Franklin Income Securities Fund Hartford Disciplined Equity HLS Fund Hartford Dividend and Growth HLS Fund Hartford Index HLS Fund Lord Abbett America s Value Portfolio Lord Abbett Growth and Income Portfolio MFS Investors Trust Series Mutual Shares Securities Fund Oppenheimer Main Street Fund /VA Putnam VT Equity Income Fund Putnam VT Growth and Income Fund Van Kampen LIT Comstock Portfolio A Fixed Account is available in certain states. Capital Preservation Hartford Money Market HLS Fund 1 Balanced American Funds Asset Allocation Fund Hartford Advisers HLS Fund MFS Total Return Series Growth AIM V.I. Capital Appreciation Fund AIM V.I. Capital Development Fund AIM V.I. Mid Cap Core Equity Fund AIM V.I. Small Cap Equity Fund AllianceBernstein VPS International Value Portfolio AllianceBernstein VPS Small/Mid Cap Value Portfolio American Funds Global Growth Fund American Funds Global Small Capitalization Fund American Funds Growth Fund American Funds International Fund American Funds New World Fund Fidelity VIP Contrafund Portfolio Fidelity VIP Mid Cap Portfolio Franklin Small Cap Value Securities Fund Hartford International Opportunities HLS Fund Hartford Stock HLS Fund Hartford Value Opportunities HLS Fund MFS New Discovery Series Mutual Discovery Securities Fund Oppenheimer Capital Appreciation Fund/VA Oppenheimer Global Securities Fund/VA Putnam VT International Equity Fund Putnam VT Small Cap Value Fund Putnam VT Voyager Fund Templeton Growth Securities Fund The investment return and principal value of an investment will fluctuate so that an investor s shares, when redeemed, may be worth more or less than their original cost. There are specific risks associated with certain investment options. Please refer to a currently effective prospectus for additional details. 1 An investment in the fund is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. Although the fund seeks to preserve the value of your investment at $1 per share, it is possible to lose money by investing in the fund. Page 1 of 5 (not valid without all pages)
3 Features and Benefits Hartford Variable Universal Life Last Survivor is a life insurance policy covering two lives. The policy pays a death benefit upon the death of the second insured. When properly structured within the context of an estate plan and an irrevocable life insurance trust, the policy can provide income and estate tax-free liquidity. The policy offers a number of flexible features, policy access and tax advantages. Flexible Features Death Benefit Options At issue, you select one of three options where the death benefit equals: Option A (Level Option): the current face amount, subject to certain limitations. Option B (Return of Account Value Option): the current face amount plus the account value on the date proof of death is received. Option C (Return of Premium Option): the current face amount plus the lesser of a) the sum of all paid premiums, or b) the Return of Premium limit of $5 million. (Available only after issue) Option D (Decreasing Option): Death Benefit equals the current Face Amount plus the lesser of: a) the Account Value on the date we receive proof of the surviving insured s death, or b) the Account Value on the date the Death Benefit Option is changed from Option B to Option D, reduced by any withdrawals. Investment Choices The policy offers a diverse range of variable investment options and a Fixed Account. You may select up to 20 investment choices at any one time. Transfers are subject to changes and restrictions. Premium Payments Minimum Face Amount Face Amount Changes Policy Access Loans* You determine the premium amount and payment schedule. The amount of planned premium can be increased or decreased, with certain limitations. $100,000 (currently) Increase: A minimum increase of $100,000 (based on rules currently in effect) can be requested after your policy s 1 st anniversary. Evidence of insurability will be required. (Minimum increase remains at $100,000 in New York.) Decrease: Decreases are allowed after the policy s 1 st anniversary. Minimum face amount limits will apply based on rules in effect at the time. (In New York, the minimum face amount decrease is $100,000.) Policy loans are available at any time. Your policy secures the loan, and interest will be charged. Minimum loan is $500; maximum is the cash surrender value of your policy. Preferred Loans Withdrawals* Tax Advantages Preferred loans are available after your policy s 10 th anniversary if your policy s account value exceeds the total premiums paid. A lower interest rate is charged on preferred loans. One policy withdrawal is allowed each month without being assessed a $10 per withdrawal charge. Minimum withdrawal is $500; maximum is your policy s cash surrender value minus $1,000. Income tax-free death benefit.** Tax-deferred accumulation of account value. Tax-advantaged transfers between investment choices. Some restrictions may apply on certain transactions. See your current product prospectus for further details. Tax-advantaged access to account value through policy loans and withdrawals. * Assuming a policy is not a Modified Endowment Contract (MEC), access to policy Account Value through loans is free from current Federal taxation and withdrawals are taxed only to the extent that they exceed the policyowner s basis in the policy. Distributions from MECs are subject to Federal income tax to the extent of gain in the policy. Taxable distributions are subject to a 10% additional tax, with certain exceptions. Loans and withdrawals from a permanent life insurance policy will reduce the policy s Account Value and Death Benefit. There may be penalties and fees associated with the use of loans and withdrawals. Depending upon the performance of a VUL policy s investment choices, the Account Value available for loans and withdrawals may be worth more or less than the original amount invested in the policy. ** Death benefit may be included in the estate for Federal estate tax purposes. Page 2 of 5 (not valid without all pages)
4 Policy Charges As is customary with any permanent life insurance policy, Hartford Variable Universal Life Last Survivor has fees associated with buying, owning and surrendering the policy. The charges include: premium based loads, mortality and expense risk charges, cost of insurance, administrative charges, issue charges, surrender charges and fees and expenses (including 12 b-1fees,where applicable) charged by the funds. Be sure to review the charges shown in the current prospectus and your personalized illustration before you invest or send money. These charges will have a significant impact on policy Account Values. Policy Account Values vary with actual underlying fund performance. Additional Protection No-Lapse Guarantee (NLG) Automatically included where available, the NLG guarantees that the policy will stay in force regardless of investment performance during the NLG period. The policy is guaranteed not to lapse during the specified period as long as the sum of the premiums (less indebtedness and less withdrawals) is at least equal to the cumulative sum of the No Lapse Guarantee Premium for the policy, and there are no outstanding loans. The NLG period is 10 years for issue ages 70 or younger. The NLG is to age 80 for issues ages 71 through 75. It is not available for issue ages over 75. Issue age is based on the younger insured, unless the younger insured is rated uninsurable. Benefits Beyond Age 120 At the policy anniversary after the younger insured s age 120: All optional benefits will terminate. The death benefit option will become Level and the face amount will be set equal to the death benefit. No future premium payments will be allowed. The policy may be surrendered. The policy may terminate due to excessive indebtedness. Interest will continue to be charged on indebtedness. No monthly charges will be taken. Loan repayments will be allowed. Loans and/or withdrawals will not be allowed. Riders The tax consequences of continuing a policy beyond age 100 of an insured are uncertain. Consult your tax advisor. Rider availability may vary by state. Last Survivor Exchange Option Offered automatically at issue ages 20-79, subject to underwriting considerations. Allows replacement of survivorship policy with two individual policies upon divorce or certain tax law changes. Estate Protection Estate Tax Repeal Provides additional term life insurance protection for the first four years. The death benefit is paid upon the second death. This rider is only available when the survivorship policy is issued. There is an additional charge for this rider. Waives surrender charges upon policy termination if there is no Federal estate tax in 2011 and written surrender request is received in January Managing Policy Account Value Money Managers/ Investment Choices Dollar Cost Averaging Personal Asset Allocation You can select investment choices from a wide range of asset classes. Money management is provided by experienced firms. A technique used to automatically allocate/transfer a set amount on a regular basis to your investment choices. Continuous or periodic investment plans neither assure a profit nor protect against loss in declining markets. Because Dollar Cost Averaging involves continuous investing regardless of fluctuating price levels, you should carefully consider your financial ability to continue investing through periods of fluctuating prices. You determine the asset mix and decide which investment choices work within that mix. You also select an asset rebalancing schedule to automatically rebalance your investment choices to the original percentages chosen. Page 3 of 5 (not valid without all pages)
5 Additional Specifications Minimum Face Amount at Issue $100,000 Underwriting Classes Preferred Plus Non-Nicotine Preferred Non-Nicotine Preferred Nicotine Standard Non-Nicotine Standard Nicotine Uninsurable: available for one life only Life Insurance Protection from an Industry Leader Life insurance is a promise a promise that is only as good as the company behind the policy. Hartford Life Insurance Company or Hartford Life and Annuity Insurance Company stands behind the death benefit protection promise of your policy. Death benefit guarantee is based on the claims-paying ability of the issuing company. The guarantee does not apply to the variable investment options. Page 4 of 5 (not valid without all pages)
6 Issuers: Hartford Life Insurance Company (New York) Hartford Life and Annuity Insurance Company (Outside New York) 200 Hopmeadow Street Simsbury, CT Mailing address for both issuers: P.O. Box 2999, Hartford, CT Principal Underwriter and Distributor: Hartford Equity Sales Company, Inc. (HESCO) P.O. Box 2999, Hartford, CT Investment Managers: A I M Investments 11 Greenway Plaza, Suite 100, Houston, TX (AIM Investments is a registered service mark of AIM Management Group, Inc. AIM Advisors, Inc., AIM Capital Management, Inc., and AIM Private Asset Management, Inc. are the investment advisors for the products and services represented by AIM Investments.) AllianceBernstein Investment Research and Management 1345 Avenue of the Americas, New York, NY (AllianceBernstein Investment Research and Management, Inc., is an affiliate of Alliance Capital Management L.P., and is a member of the NASD) American Funds 333 South Hope Street, Los Angeles, CA Fidelity Management & Research Company, Inc. 82 Devonshire Street, Boston, MA Franklin Advisory Services, LLC One Parker Plaza, Ninth Floor, Fort Lee, NJ Franklin Mutual Advisers, LLC 101 John F. Kennedy Parkway, Short Hills, NJ HL Investment Advisors, LLC P.O. Box 2999, Hartford, CT Investment Sub-Advisers: Hartford Investment Management Company P.O. Box 1744, Hartford, CT Wellington Management Company, LLP 75 State Street, Boston, MA Lord, Abbett & Co. 90 Hudson Street, Jersey City, NJ MFS Investment Management 500 Boylston Street, Boston, MA OppenheimerFunds P.O. Box 5270, Denver, CO Putnam Investment Management, LLC One Post Office Square, Boston, MA Van Kampen Asset Management 1221 Avenue of the Americas, New York, NY Hartford Variable Universal Life Last Survivor is a flexible premium variable life insurance policy. When issued outside of New York by Hartford Life and Annuity Insurance Company, the policy form number is LA-1287(06). When issued by Hartford Life Insurance Company, the policy form number is HL-19217(06)(NY). Product features may vary by state. This presentation must be preceded or accompanied by a currently effective Hartford Variable Universal Life Last Survivor prospectus and Underlying Funds prospectuses, which can be obtained from your financial professional or by logging on to The prospectuses contain detailed information, including charges and fees, so please read them carefully before you invest or send money. The prospectus and policy will reflect the appropriate issuing company. This information is written in connection with the promotion or marketing of the matter(s) addressed in this material. The information cannot be used or relied upon for the purpose of avoiding IRS penalties. These materials are not intended to provide tax, accounting or legal advice. As with all matters of a tax or legal nature, you should consult your own tax or legal counsel for advice. The Hartford is The Hartford Financial Services Group, Inc. and its subsidiaries, including the issuing companies of Hartford Life Insurance Company and Hartford Life and Annuity Insurance Company. LCM Printed in U.S.A The Hartford, Hartford, CT Page 5 of 5 (not valid without all pages)
Stag Protector II Variable Universal Life Insurance
INDIVIDUAL LIFE INSURANCE A Consumer Resource FACTS-AT-A-GLANCE Stag Protector II Variable Universal Life Insurance Permanent Life Insurance Offering Flexibility and Choice INSURANCE PRODUCTS: NOT INSURED
More informationAllstate Advisor. Variable Annuity QUARTERLY PERFORMANCE UPDATE AS OF JUNE 30, 2018 PA246
QUARTERLY PERFORMANCE UPDATE AS OF JUNE 30, 2018 Allstate Advisor Variable Annuity You should carefully consider the investment objectives, risks and charges and expenses of the investment alternatives
More informationAllstate Advisor. Variable Annuity MONTHLY PERFORMANCE UPDATE AS OF MARCH 31, 2018 PA246
MONTHLY PERFORMANCE UPDATE AS OF MARCH 31, 2018 Allstate Advisor Variable Annuity You should carefully consider the investment objectives, risks and charges and expenses of the investment alternatives
More informationInvestment choices performance report. January 31, The Best of America Next Generation FPVUL. Look to your future
Investment choices performance report January 31, 2010 The Best of America Next Generation FPVUL Look to your future When you have questions we have answers. Nationwide wants you to look to your future
More informationFoundation NY a variable annuity issued by Genworth Life Insurance Company of New York
as of December 31, 2018 For contracts issued on or after July 18, 2005 Foundation NY 19806CBNY 01/01/19 (expires 02/15/19) 2018 Genworth Financial, Inc. All rights reserved. Page 1 of 12 IMPORTANT INFORMATION
More informationEvergreen New Solutions Variable Annuity
Issued by American Enterprise Life Insurance Company (AEL) A Flexible-Premium, Deferred Combination Fixed/Variable Annuity Performance for Annuities for the Quarter End 3/31/06 and Month End 5/31/06. The
More informationAMERICAN GENERAL LIFE INSURANCE COMPANY SEPARATE ACCOUNT D PLATINUM INVESTOR VARIABLE ANNUITY CONTRACTS
AMERICAN GENERAL LIFE INSURANCE COMPANY SEPARATE ACCOUNT VL-R PLATINUM INVESTOR I PLATINUM INVESTOR II PLATINUM INVESTOR III PLATINUM INVESTOR IV PLATINUM INVESTOR FLEXDIRECTOR PLATINUM INVESTOR PLUS PLATINUM
More informationInvestment choices performance report. January 31, The Best of America Achiever Annuity. Look to your future
Investment choices performance report January 31, 2010 The Best of America Achiever Annuity Look to your future When you have questions we have answers. Nationwide wants you to look to your future. When
More informationInvestment choices performance report. January 31, The Best of America Future Venue Annuity. Look to your future
Investment choices performance report January 31, 2010 The Best of America Future Venue Annuity Look to your future When you have questions we have answers. Nationwide wants you to look to your future.
More informationFind the right balance between protection and security
TOTALACCUMULATOR SM Find the right balance between protection and security This brochure must be accompanied by a current TotalAccumulator SM prospectus, which contains more detail on the product and fund
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 informationValue. Wells Fargo Funds VT Discovery VT Opportunity
VariTrak Variable Universal Life Insurance P R O S P E C T U S Dated May 1, 2016 National Life Insurance Company Home Office: National Life Drive, National Variable Life Insurance Account Montpelier, Vermont
More informationProtective Variable Annuities
Protecting Retirement Protective Variable Annuities At a Glance Today. Tomorrow. Together. Protecting Retirement with Variable Annuities At Protective Life, we offer more than just products. We offer comprehensive
More informationACCESS TRUSTS. Using life insurance to accumulate, access and transfer wealth
ACCESS TRUSTS Using life insurance to accumulate, access and transfer wealth For transferring wealth, permanent life insurance can be an appealing strategy because it: Provides liquidity through a death
More informationAMERICAN GENERAL LIFE INSURANCE COMPANY SEPARATE ACCOUNT D PLATINUM INVESTOR IMMEDIATE VARIABLE ANNUITY CONTRACTS
AMERICAN GENERAL LIFE INSURANCE COMPANY SEPARATE ACCOUNT VL-R AG CORPORATE INVESTOR SM AG INCOME ADVANTAGE VUL SM CORPORATE AMERICA CORPORATE INVESTOR SELECT INCOME ADVANTAGE SELECT PLATINUM INVESTOR VIP
More informationFoundation a variable annuity issued by Genworth Life and Annuity Insurance Company
as of September 30, 2018 For contracts issued on or after May 1, 2003 Foundation 19806CB 10/01/18 (expires 11/15/18) 2018 Genworth Financial, Inc. All rights reserved. Page 1 of 13 IMPORTANT INFORMATION
More informationHartford Leaders VUL Legacy
Hartford, Connecticut 06104-2999 Prepared by: The Hartford 500 Bielenberg Drive Woodbury, MN 55125 (800)231-5453 Date Prepared: 10/10/2012 Values as of Date: 10/05/2012 State: WI An Inforce Life Insurance
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 informationVariTrak Variable Universal Life Insurance P R O S P E C T U S Dated May 1, 2018
VariTrak Variable Universal Life Insurance P R O S P E C T U S Dated May 1, 2018 National Life Insurance Company Home Office: National Life Drive, National Variable Life Insurance Account Montpelier, Vermont
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 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 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 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 information17022NY 12/01/12 Exp. 01/15/13 '2012 Genworth Financial, Inc. All rights reserved. Page 1 of 12
as of November 30, 2012 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 NY 17022NY
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 informationPrincipal Plus For Life
The future is yours Important details about Principal Plus For Life More than ever, it is important to partner with a company whose ratings prove they possess the ability to meet the promises they make,
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 informationRiverSource FlexChoice Select Variable Annuity (Contract Option L)
RiverSource FlexChoice Select Variable Annuity (Contract Option L) Issued by RiverSource Life Insurance Company (RiverSource Life) Individual Flexible Premium Deferred Combination Fixed/Variable Annuity
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 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 informationInvestment choices performance report. April 30, M&T Variable Annuity. Look to your future
Investment choices performance report April 30, 2010 M&T Variable Annuity Look to your future When you have questions we have answers. Nationwide wants you to look to your future. When you invest in an
More informationCreating a Solid Foundation for Your Retirement Guaranteed Lifetime Withdrawal Benefit
Creating a Solid Foundation for Your Retirement Guaranteed Lifetime Withdrawal Benefit AN INFORMATIONAL GUIDE FOR INDIVIDUALS Guardian Investor II SM Variable Annuity is issued by The Guardian Insurance
More informationRetireReady SM Accumulator joint life and last survivor variable life insurance issued by Genworth Life and Annuity Insurance Company
as of November 30, 2012 RetireReady SM Accumulator variable life insurance 18427 12/01/12 Exp. 01/15/13 '2012 Genworth Financial, Inc. All rights reserved. Page 1 of 10 IMPORTANT INFORMATION The following
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 informationFlexible Premium Variable Annuity
Metropolitan Life Insurance Company Flexible Premium Variable Annuity Performance Summary as of 01/31/18 Variable Investment Option Performance Update The performance data quoted represents past performance
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 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 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 informationIf you have questions, please contact the RiverSource Sales Consulting Group at (800) ARE NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
The RiverSource SM variable annuity, issued by American Enterprise Life Insurance Company, performance figures below do not reflect the most current month end figures, due to technology issues. We are
More informationInvest in your future
Investment choices performance report April 30, 2018 Nationwide Variable Universal Life (VUL) Accumulator Invest in your future Answers to frequently asked questions. What you should know about purchasing
More information/01/12 Exp. 01/15/13 '2012 Genworth Financial, Inc. All rights reserved. Page 1 of 13
as of November 30, 2012 For contracts issued on or after May 1, 2003 RetireReady SM Choice 19801 12/01/12 Exp. 01/15/13 '2012 Genworth Financial, Inc. All rights reserved. Page 1 of 13 IMPORTANT INFORMATION
More informationAdvantage IV. Prospectus. Variable Annuity. May 1, Issued by: Commonwealth Annuity and Life Insurance Company CW5009 (05-15)
Advantage IV Variable Annuity Issued by: Commonwealth Annuity and Life Insurance Company Prospectus May 1, 2015 CW5009 (05-15) PROSPECTUS FOR FLEXIBLE PREMIUM FIXED AND VARIABLE DEFERRED ANNUITY CONTRACTS
More informationStrength for enduring stability Help secure your retirement plan when you choose annuities issued by American General Life Insurance Company.
Polaris Choice IV Quarterly Performance Report June 30, 2016 Polaris: For Those Who Want More when your goals are: Performance for the growth potential you need Maximize long-term growth potential with
More informationVariable Universal Life II (VUL II)
Variable Universal Life II (VUL II) Issued by Massachusetts Mutual Life Insurance Company Massachusetts Mutual Variable Life Separate Account I This prospectus describes an individual, flexible premium,
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 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 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 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 informationIf you have questions, please contact the RiverSource Sales Consulting Group at (800) ARE NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
The RiverSource SM variable annuity, issued by American Enterprise Life Insurance Company, performance figures below do not reflect the most current month end figures, due to technology issues. We are
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 informationPreferred Plus. Prospectus. Variable Annuity. May 1, Issued by: Commonwealth Annuity and Life Insurance Company CW5008 (05-15)
Preferred Plus Variable Annuity Issued by: Commonwealth Annuity and Life Insurance Company Prospectus May 1, 2015 CW5008 (05-15) Intentionally Left Blank PROSPECTUS FOR FLEXIBLE PREMIUM FIXED AND VARIABLE
More informationPLEASE NOTE THIS CHANGE TO THE P.O. BOX ADDRESS FOR CORRESPONDENCE AND OTHER INQUIRIES FOR YOUR
AMERICAN GENERAL LIFE INSURANCE COMPANY THE UNITED STATES LIFE INSURANCE COMPANY IN THE CITY OF NEW YORK VARIABLE UNIVERSAL LIFE INSURANCE POLICIES SUPPLEMENT DATED FEBRUARY 28, 2014 TO PROSPECTUSES AS
More informationInvest in your future
Investment choices performance report May 31, 2018 Nationwide Variable Universal Life (VUL) Protector Invest in your future Answers to frequently asked questions. What you should know about purchasing
More informationPerformance Update. Variable Universal Life III (VUL III) variable life insurance
Performance Update As of May 31, 2018 Variable Universal Life III (VUL III) variable life insurance Not a bank or credit union deposit or obligation Not insured by any federal government agency Not FDIC
More informationProspectus ADVANCEDESIGNS VARIABLE ANNUITY. May 1, Important Privacy Notice Included. See Back Cover
Prospectus May 1, 2009 ADVANCEDESIGNS VARIABLE ANNUITY Important Privacy Notice Included See Back Cover Variable annuity contracts issued by Security Benefit Life Insurance Company and offered by Security
More informationAG Income Advantage VUL Variable Universal Life Insurance
POLICY PROSPECTUS AG Income Advantage VUL Variable Universal Life Insurance Policies issued by American General Life Insurance Company April 30, 2012 AG Income Advantage VUL variable universal life insurance
More informationThis supplement revises the prospectuses to reflect the following change effective December 4, 2017:
This supplement revises the prospectuses to reflect the following change effective December 4, 2017: page 1 of 1 Strategic Group Variable Universal Life Issued by Massachusetts Mutual Life Insurance Company
More informationand The Guardian Investor Variable Annuity L Series Issued by The Guardian Insurance & Annuity Company, Inc.
The Guardian Investor II SM Variable Annuity The Guardian Investor Variable Annuity B Series and The Guardian Investor Variable Annuity L Series Issued by The Guardian Insurance & Annuity Company, Inc.
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 informationAs Filed with the Securities and Exchange Commission on June 25, 2010 SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C.
As Filed with the Securities and Exchange Commission on June 25, 2010 REGISTRATION NO. 333-83516 811-05846 SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM N-4 REGISTRATION STATEMENT UNDER
More informationPolaris Preferred Solution
Polaris Preferred Solution Quarterly Performance Report September 30, 2016 Polaris: For Those Who Want More when your goals are: Performance for the growth potential you need Maximize long-term growth
More informationPerformance Update. As of April 30, MassMutual Artistry variable annuity
Performance Update As of April 30, 2018 MassMutual Artistry variable annuity Not a bank or credit union deposit or obligation Not insured by any federal government agency Not FDIC or NCUA-insured Not guaranteed
More informationVariable Annuity Investment Options
Variable Annuity Investment Options Commonwealth Annuity offers a comprehensive range of investment options to help you build a diversified portfolio. Our investment options at a glance. Commonwealth Annuity
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 informationHARTFORD BICENTENNIAL UL JOINT FREEDOM II
HARTFORD BICENTENNIAL UL JOINT FREEDOM II Wealth transfer strategies using universal life insurance Hartford Bicentennial Universal Life Joint Freedom II Life is a journey unique to you, taking you to
More informationRiverSource Variable Second-to-Die Life Insurance
An individual flexible premium survivorship variable life insurance policy Performance for insurance for Quarter end and the month end. The performance information shown represents past performance and
More informationRiverSource Variable Universal Life IV RiverSource Variable Universal Life IV Estate Series (ES)
RiverSource Variable Universal Life IV RiverSource Variable Universal Life IV Estate Series (ES) An individual flexible premium variable life insurance policy Performance for insurance for Quarter end
More informationVariable Executive Universal Life Prospectus
Variable Executive Universal Life Prospectus Prospectus for: Variable Executive Universal Life Insurance contracts Issued by: Midland National Life Insurance Company 6244 Rev. 5/12 Flexible Premium Variable
More informationPlatinum Investor VIP Variable Universal Life Insurance
POLICY PROSPECTUS Platinum Investor VIP Variable Universal Life Insurance Policies issued by American General Life Insurance Company April 30, 2012 Platinum Investor VIP variable universal life insurance
More informationVariable Annuities At-A-Glance. Values. SecurePay. Values. Advantage. alues PABD.4530 (09.11)
Variable Annuities At-A-Glance Values SecurePay Values Advantage alues PABD.4530 (09.11) the companythe company A Reputation for Excellence fastest Recently recognized one of the fastest growing annuity
More informationThis supplement revises the prospectuses to reflect changes effective December 4, 2017:
This supplement revises the prospectuses to reflect changes effective December 4, 2017: page 1 of 1 Panorama Premier Variable Annuity Issued by Massachusetts Mutual Life Insurance Company Massachusetts
More informationPlatinum Investor III Variable Universal Life Insurance
POLICY PROSPECTUS Platinum Investor III Variable Universal Life Insurance Policies issued by American General Life Insurance Company May 1, 2017 Platinum Investor III variable universal life insurance
More informationVariable Executive Universal Life 2 Prospectus
Variable Executive Universal Life 2 Prospectus Prospectus for: Variable Executive Universal Life 2 Insurance contracts Issued by: Midland National Life Insurance Company 7034 Rev. 5/12 Flexible Premium
More informationFoundation a variable annuity issued by Genworth Life and Annuity Insurance Company
as of November 30, 2012 For contracts issued prior to May 1, 2003, or prior to the date on which state insurance authorities approve applicable contract modifications. Foundation 18903CB 12/01/12 Exp.
More informationACCUMULATION VUL Clearing the way for cash value potential TECHNICAL GUIDE ASSET GROWTH AND PROTECTION
TECHNICAL GUIDE ACCUMULATION ACCUMULATION VUL Clearing the way for cash value potential ASSET GROWTH AND PROTECTION THIS MATERIAL IS FOR INSTITUTIONAL/BROKER-DEALER USE ONLY. NOT FOR DISTRIBUTION OR USE
More informationFUTURE Corporate VUL SM
FUTURE Corporate VUL SM Prospectus dated May 1, 2018 A corporate flexible premium variable universal life insurance policy issued by Nationwide Life Insurance Company through Nationwide VLI Separate Account
More informationNot an Offering Document. Product no longer solicited
Phoenix Premium Edge PHL Variable Accumulation Account ( Separate Account ) PHL Variable Insurance Company Variable Accumulation Deferred Annuity Contract STATEMENT OF ADDITIONAL INFORMATION May 1, 2009
More informationPLEASE NOTE THIS CHANGE TO THE P.O. BOX ADDRESS FOR CORRESPONDENCE AND OTHER INQUIRIES FOR YOUR
AMERICAN GENERAL LIFE INSURANCE COMPANY THE UNITED STATES LIFE INSURANCE COMPANY IN THE CITY OF NEW YORK VARIABLE UNIVERSAL LIFE INSURANCE POLICIES SUPPLEMENT DATED FEBRUARY 28, 2014 TO PROSPECTUSES AS
More informationPacific Life Insurance Company. Privacy Notice. Receive This Document Electronically (See Inside)
Receive This Document Electronically (See Inside) This brochure contains: Prospectus dated May 1, 2017 for Pacific Select Variable Annuity II and the Privacy Notice (Inside back cover) Pacific Life Insurance
More informationInvestment choices performance report. June 30, The Best of America America s FUTURE Annuity II. Look to your future
Investment choices performance report June 30, 2014 The Best of America America s FUTURE Annuity II Look to your future When you have questions we have answers. Nationwide wants you to look to your future.
More informationInvestment choices performance report. August 31, The Best of America Achiever Annuity. Look to your future
Investment choices performance report August 31, 2014 The Best of America Achiever Annuity Look to your future When you have questions we have answers. Nationwide wants you to look to your future. When
More informationJohn Hancock s Corporate VUL Technical Guide
John Hancock s Corporate VUL Technical Guide Making it Easy to Plan for the Future LIFE-3987 10/14 THIS MATERIAL IS FOR INSTITUTIONAL/BROKER-DEALER USE ONLY. NOT FOR DISTRIBUTION OR USE WITH THE PUBLIC.
More informationThe following paragraphs are added to the "GENERAL INFORMATION" section of the prospectus:
AMERICAN GENERAL LIFE INSURANCE COMPANY SEPARATE ACCOUNT VL-R PLATINUM INVESTOR VIP FLEXIBLE PREMIUM VARIABLE UNIVERSAL LIFE INSURANCE POLICIES SUPPLEMENT DATED MAY 1, 2012 TO PROSPECTUS DATED APRIL 30,
More informationGold Track Select. Product Summary ANNUITIES VARIABLE
Gold Track Select Product Summary ANNUITIES VARIABLE On Course With Your Future Gold Track Select rides a ribbon of cross-ties harking back to an inspirational past. There, in the Colorado of the 1890s,
More informationThis supplement revises the prospectuses to reflect changes effective December 4, 2017:
This supplement revises the prospectuses to reflect changes effective December 4, 2017: page 1 of 1 Variable Universal Life III (VUL III) Issued by Massachusetts Mutual Life Insurance Company Massachusetts
More informationReport of Independent Registered Public Accounting Firm
KPMG LLP One Financial Plaza 755 Main Street Hartford, CT 06103 Report of Independent Registered Public Accounting Firm The Board of Directors of C.M. Life Insurance Company and Policy Owners of C.M. Life
More informationQuality investments. Confident choices.
Nationwide Destination SM Architect 2.0 variable annuity Investment Choices Quality investments. Confident choices. Your guide to investment options for Nationwide Lifetime Income Track, an optional rider
More informationStrategic Variable Life Plus
Strategic Variable Life Plus Issued by Massachusetts Mutual Life Insurance Company Massachusetts Mutual Variable Life Separate Account I This prospectus describes a flexible premium variable adjustable
More informationACCUMULATION SIMPLIFIED LIFE. Easy Issue VUL. A straight shot growth potential with simplified underwritng PRODUCER GUIDE
PRODUCER GUIDE ACCUMULATION Easy Issue VUL A straight shot growth potential with simplified underwritng LIFE-1915 7/14 THIS MATERIAL IS FOR INSTITUTIONAL/BROKER-DEALER USE ONLY. NOT FOR DISTRIBUTION OR
More informationPlatinum Investor IV Variable Universal Life Insurance
POLICY PROSPECTUS Platinum Investor IV Variable Universal Life Insurance Policies issued by American General Life Insurance Company April 30, 2012 Platinum Investor IV variable universal life insurance
More informationA Life Insurance Policy Illustration Prepared For:
Date Prepared: April 26, 2017 Pacific Select VUL - Accumulation A Policy A Life Insurance Policy Illustration Prepared For: Male 40 Life Insurance Producer: Pacific Life Advisor Pacific Life 45 Enterprise
More informationIssued by RiverSource Life Insurance Co. of New York (RiverSource Life of NY) ARE NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
RiverSource SM Personal Portfolio Plus 2 Variable Annuity Issued by RiverSource Life Insurance Co. of New York (RiverSource Life of NY) A Flexible-Premium, Deferred Combination Fixed/Variable Annuity The
More informationSECURITIES AND EXCHANGE COMMISSION FORM 485BPOS. Post-effective amendments [Rule 485(b)]
SECURITIES AND EXCHANGE COMMISSION FORM 485BPOS Post-effective amendments [Rule 485(b)] Filing Date: 2010-08-25 SEC Accession No. 0000950123-10-080861 (HTML Version on secdatabase.com) VARIABLE SEPARATE
More informationProtective Variable Annuity Investors Series
Supplement Dated October 16, 2017 to Prospectuses dated May 1, 2017 for Protective Variable Annuity Investors Series Protective Variable Annuity BCL Series Protective Variable Annuity II B Series Issued
More informationVariable Universal Life - Cash Value 2 Prospectus
Variable Universal Life - Cash Value 2 Prospectus Prospectus for: VUL-CV2 Insurance Policies Issued by: Midland National Life Insurance Company 13018 4/17 VARIABLE UNIVERSAL LIFE CV 2 Flexible Premium
More informationNationwide Future Executive VUL
Nationwide Future Executive VUL Prospectus dated May 1, 2018 An individual flexible premium adjustable variable universal life insurance policy issued by Nationwide Life Insurance Company through Nationwide
More informationPerformance Update. As of March 31, MassMutual EvolutionSM variable annuity
Performance Update As of March 31, 2018 MassMutual EvolutionSM variable annuity Not a bank or credit union deposit or obligation Not insured by any federal government agency Not FDIC or NCUA-insured Not
More informationThis supplement revises the prospectuses to reflect changes effective December 4, 2017:
This supplement revises the prospectuses to reflect changes effective December 4, 2017: page 1 of 1 Strategic Group Variable Universal Life II Issued by Massachusetts Mutual Life Insurance Company Massachusetts
More informationSupplement Dated December 4, 2017 to your Prospectus Dated May 1, 2017
Supplement Dated December 4, 2017 to your Prospectus Dated May 1, 2017 This Supplement updates certain information contained in your product prospectus for insurance products issued by Hartford Life Insurance
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 information