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Fund – Share Class Adviser/Sub-Adviser1 |
Current Expenses |
Platform Charge6 |
Current Expenses + Platform Charge |
Average Annual Total Returns (as of Dec. 31, 2023) | ||
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Platform Charge6 |
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Prospectus |
Provision Availability or Variation |
Issue State |
Free Look |
Free Look period is 20 days or 30 days if this is a replacement. The Free Look amount is the return of all purchase payments allocated to the contract. |
Alaska |
Free Look |
If you are age 65 or older on the Contract issue date, the Free Look period is 30 days. |
Arizona |
Free Look |
If you are age 60 or older on the Contract issue date, the Free Look period is 30 days. If you invest in the Fixed Account, the Free Look amount is calculated as the Purchase Payments paid. If you invest in Variable Account Options, the Free Look amount is calculated as the greater of (1) Purchase Payments or (2) the value of your Contract plus any fees paid on the day we received your request in good order at the Annuity Service Center. |
California |
Free Look |
The Free Look period is 21 days and the amount is calculated as the value of your Contract plus fees and charges on the day we receive your request in good order at the Annuity Service Center. |
Florida |
Free Look |
The Free Look period is 20 days. |
Idaho North Dakota Rhode Island Texas |
Free Look |
The Free Look amount is calculated as the value of your Contract plus fees and charges on the day we received your request in good order at the Annuity Service Center. |
Michigan Minnesota Missouri Texas |
Free Look |
The Free Look amount is calculated as the greater of (1) Purchase Payments including fees and charges or (2) the value of your Contract on the day we receive your request in good order at the Annuity Service Center. |
Arkansas |
Free Look |
The Free Look period is 20 days. The Free Look amount is the purchase payments made to the fixed interest options and the accumulation value of the variable options on the day the contract is returned. The Free Look period is 60 days for a replacement. |
New York |
DCA Program |
If the DCA Program is elected in Alaska, the Multi-Year Option is not available. |
Alaska |
DCA Program |
If the DCA Program is elected in Oregon, the minimum required amount is $5,000. |
Oregon |
Death Benefit |
Standard Death Benefit is paid on or after age 70 |
New York |
Prospectus |
Provision Availability or Variation |
Issue State |
Death Benefit |
For Contracts issued on or after March 5, 2012, the interest guaranteed death benefit is available on individual nonqualified Contracts, Roth IRAs or IRAs (issued outside of an employer-sponsored retirement plan) if death occurs prior to age 70; the standard death benefit is payable if death occurs on or after age 70. For Contracts issued in connection with an employer-sponsored retirement plan, only the standard death benefit is payable. |
Florida |
Surrender Charge |
For individual Contracts issued in the State of New York, we will treat funds withdrawn from the Contract, when such funds are subject to surrender charges, as attributable to Purchase Payments withdrawn on a first-in first-out basis. This applies to individual contracts issued on or after January 1, 2024. This change does not apply to group Contracts and certificates. |
New York |
Surrender Charge |
For Contracts issued to individuals in the State of Oregon, no surrender charge will be applied to withdrawals if your account has been in effect for 10 years or longer. In addition, we will treat funds withdrawn from such Contract, when such funds are subject to surrender charges, as attributable to Purchase Payments withdrawn on a first-in-first out basis. This procedure applies to Contracts issued on and after July 1, 2017. The amount of the surrender charge for such Contracts will be the lessor of: five percent (5%) of the amount withdrawn which is attributable to Purchase Payments received during the most recent 60 months; or five percent (5%) of the total amount withdrawn. |
Oregon |
Surrender Charge |
For ten years from the date the Certificate was issued the charge will be 5% of either (1) the amount withdrawn, or (2) the amount of any Purchase Payments received during the most recent 60 months prior to the surrender or withdrawal, whichever is less. During the eleventh and twelfth Certificate Years, the charge will be the lesser of the charge as described above or 1% of the amount withdrawn. |
Texas |
Premium Tax |
We deduct premium tax charges of 0.50% for Qualified Contracts and 2.35% for Non-Qualified Contracts based on contract value when you begin the Payout Period. |
California |
Premium Tax |
We deduct premium tax charges of 2.0% for Non-Qualified contracts based on total Purchase payments when you begin the Payout Period. |
Maine |
Premium Tax |
We deduct premium tax charges of 3.5% for Non-Qualified contracts based on total Purchase payments when you begin the Payout Period. |
Nevada |
Premium Tax |
For the first $500,000 in the Contract, we deduct premium tax charges of 1.25% for Non-Qualified Contracts based on total Purchase Payments when you begin the Payout Period. For any amount in excess of $500,000 in the Contract, we deduct front-end premium tax charges of 0.08% for Non- Qualified Contracts based on total Purchase Payments when you begin the Payout Period. |
South Dakota |
Premium Tax |
We deduct premium tax charges of 1.00% for Qualified Contracts and 1.00% for Non-Qualified Contracts based on contract value when you begin the Payout Period. |
West Virginia |
Premium Tax |
We deduct premium tax charges of 1.00% for Non-Qualified contracts based on total Purchase payments when you begin the Payout Period. |
Wyoming |