Optional benefits are available for an additional cost and are subject to availability, restrictions, and limitations. Please see the prospectus for details.
ÐÔÊÀ½ç´«Ã½, 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.
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 ÐÔÊÀ½ç´«Ã½ are provided in the product and underlying fundÌýprospectuses which are available from your financial professional or by clickingÌýhere. Read them carefully before investing.
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 tax may apply. A withdrawal charge also may apply. Withdrawals will reduce the contract value and the value of the death benefits, and also may reduce the value of any optional benefits.Ìý
Broker/dealer and state variations may apply. Contact your broker/dealer for availability.
ÐÔÊÀ½ç´«Ã½ refers to ÐÔÊÀ½ç´«Ã½ and its affiliates, including ÐÔÊÀ½ç´«Ã½ & Annuity Company. Insurance products are issued by ÐÔÊÀ½ç´«Ã½ in all states except New York and in New York by ÐÔÊÀ½ç´«Ã½ & Annuity Company. Product availability and features may vary by state. Each insurance company is solely responsible for the financial obligations accruing under the products it issues.
Variable insurance products are distributed by Pacific Select Distributors, LLC (member & ), a subsidiary of ÐÔÊÀ½ç´«Ã½ (Newport Beach, CA) and an affiliate of ÐÔÊÀ½ç´«Ã½ & Annuity Company, and are available through licensed third parties.
ÐÔÊÀ½ç´«Ã½ is a product provider. It is not a fiduciary and therefore does not give advice or make recommendations regarding insurance or investment products.
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.
VAC1097-0919H
