Optional benefits are available for an additional cost and are subject to availability, restrictions, and limitations. Please see the prospectus for details.
ÀÖ²¥´«Ã½ÊÓƵ, its distributors, and respective representatives do not provide tax, accounting, or legal advice. Any taxpayer should seek advice based on the taxpayer's particular circumstances from an independent tax advisor or attorney.
ÀÖ²¥´«Ã½ÊÓƵ is a product provider. It is not a fiduciary and therefore does not give advice or make recommendations regarding insurance or investment products.
You should carefully consider a variable annuity’s risks, charges, limitations, and expenses, as well as the risks, charges, expenses, and investment goals of the underlying investment options. This and other information about ÀÖ²¥´«Ã½ÊÓƵ are provided in the product and underlying fundÌýprospectuses which are available from your financial professional or by clickingÌý. Read them carefully before investing.
Annuities are long-term contracts designed for retirement. Annuity withdrawals and other distributions of taxable amounts, including death benefit payouts, will be subject to ordinary income tax. For nonqualified contracts, an additional 3.8% federal tax may apply on net investment income. If withdrawals and other distributions are taken prior to age 59½, an additional 10% federal income tax may apply. A withdrawal charge also may apply and a market value adjustment (MVA) also may apply. Withdrawals will reduce the contract value and the value of the death benefit, and also may reduce the value of any optional benefits.Ìý
Broker/dealer and state variations may apply. Contact your broker/dealer for availability.
ÀÖ²¥´«Ã½ÊÓƵ refers to ÀÖ²¥´«Ã½ÊÓƵ and its subsidiary ÀÖ²¥´«Ã½ÊÓƵ & Annuity Company. Insurance products can be issued in all states, except New York, by ÀÖ²¥´«Ã½ÊÓƵ and in all states by ÀÖ²¥´«Ã½ÊÓƵ & Annuity Company. Product/material availability and features may vary by state. Each insurance company is solely responsible for the financial obligations accruing under the products it issues.
Insurance products and their guarantees, including optional benefits[, annuity payout rates,] and any crediting rates, are backed by the financial strength and claims-paying ability of the issuing insurance company, but they do not protect the value of the variable investment options. Look to the strength of the insurance company with regard to such guarantees because these guarantees are not backed by the independent broker/dealers, insurance agencies, or their affiliates from which products are purchased. Neither these entities nor their representatives make any representation or assurance regarding the claims-paying ability of the issuing company.
Variable insurance products are distributed by Pacific Select Distributors, LLC (member ÌýÌý&Ìý), a subsidiary of ÀÖ²¥´«Ã½ÊÓƵ and an affiliate of ÀÖ²¥´«Ã½ÊÓƵ & Annuity Company.
The home office for ÀÖ²¥´«Ã½ÊÓƵ & Annuity Company is located in Phoenix, Arizona. The home office for ÀÖ²¥´«Ã½ÊÓƵ is located in Omaha, Nebraska.
No bank guarantee • Not a deposit • Not FDIC/NCUA insured • May lose value • Not insured by any federal government agency
Check the background of your financial professional onÌý.
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