Current performance may be higher or lower than the performance stated due to market volatility. The performance data shown represents past performance, which does not guarantee future results. The investment return and principal value of an investment will fluctuate and an investor’s shares, when redeemed, may be worth more or less than their original cost.
Early withdrawals may incur a withdrawal charge. Polaris Platinum III returns shown in the tables with Withdrawal Charge below reflect the deduction of a withdrawal charge, as applicable. For Polaris Platinum III , withdrawal charges decline over seven years as follows: 8-7-6-5-4-3-2-0 %. You can find additional important information at the end of the performance tables below. Variable annuities are sold by prospectus only.
The Current Yield quotation below more closely reflects the current earnings of the money market fund than the total return quotation. Current Yield is the net income of the portfolio over the stated 7-day period, annualized. Effective Yield is calculated similarly, but the income earned by the investment is assumed to be reinvested at the end of the 7-day period. Current and effective yield returns do not reflect withdrawal charges (if applicable).
| Portfolio | Current Yield |
Effective Yield |
|---|---|---|
| Goldman Sachs VIT Government Money Market Fund | -1.57% | 2.96% |
You could lose money by investing in the Goldman Sachs VIT Government Money Market Fund. Although the Fund seeks to preserve the value of your investment at $1.00 per share, it cannot guarantee it will do so. An investment in the Goldman Sachs VIT Government Money Market Fund is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. The Goldman Sachs VIT Government Money Market Fund’s sponsor has no legal obligation to provide financial support to the Fund, and you should not expect that the sponsor will provide financial support to the Fund at any time.
Variable annuities are sold by prospectus only. Please contact your investment representative or call 1-800-445-7862 to obtain a prospectus. The prospectus contains the investment objectives, risks, fees, charges, expenses and other information regarding the contract and underlying funds, which should be considered carefully before investing. Please read the prospectus carefully before investing.
These returns do not reflect election of any optional living benefits. They do reflect election of the optional Return of Premium death benefit. The rates of return would be lower if the charges for the optional Maximum Anniversary Value death benefit or optional living benefits were included in the calculations, and higher if the Contract Value death benefit was selected. Selection of one of the death benefits is required.
Annuities are designed for long-term retirement investing. An investment in the securities underlying this variable annuity involves investment risk, including possible loss of principal. Investment return and principal will fluctuate. An investor’s units, when redeemed, may be worth more or less than the original investment. Past performance is no guarantee of future results.
1. When you invest in Polaris Platinum III, your money is actually invested in the trusts that underlie the Polaris Platinum III variable annuity – the AIM Variable Insurance Funds (Invesco Variable Insurance Funds) Trust (AVIF), the Anchor Series Trust (AST), Franklin Templeton Variable Insurance Products(FTVIP), Lord Abbett Series Fund (LASF), Seasons Series Trust (SST), and SunAmerica Series Trust (SAST), (collectively “the Trusts”). Certain of the portfolios of the Trusts existed prior to the date that the variable portfolios became available in the Separate Account that funds Polaris Platinum III. We provide the Trust portfolio inception dates to help you understand the time frame for the hypothetical adjusted historical returns (shown in italics) since the Trusts’ inception. In the case of the American Funds SAST portfolios, the trust date provided is for the American Funds Insurance Series trust (see Important Note below). All portfolios may not be available to you. Please refer to your prospectus for more information.
2. Year-to-Date returns show the change in unit value and are net of all fees and charges except the annual contract administration charge, fees for optional living benefits (see Important Information above), and withdrawal charge.
3. Annual Returns, both actual and adjusted historical, are annualized, except for those reported for periods of less than 1 year. They are net of management fees and contract charges, but not company-imposed withdrawal charges or fees for optional living benefits (see Important Information above). The annual contract administration fee is currently $50 ($30 in New Mexico), waived for contracts of $75,000 or more. In addition, certain variable portfolios are subject to a service fee of up to 0.25% (also known as a 12b-1 fee).The returns shown for the Invesco-managed portfolios in the AVIF are Series I shares adjusted to reflect the fees and charges of the Series II shares until the actual Series II performance becomes available for the period shown. The returns of the Series II shares will be lower than those of the Series I shares since Series II shares are subject to service fees of 0.25%, while Series I shares are not. The inception dates shown above are for the Series I shares in the AVIF. The inception date in the AVIF for the Series II shares for the portfolios shown is 9/18/00. Note: If you purchased your contract prior to May 2, 2011, your contract administration fee may be lower than noted here. Annual and Total Annual Returns reflect the higher current contract administration charge.
4. The Separate Account that funds Polaris Platinum III also funds other contracts that have been available for sale to the public longer than Polaris Platinum III. Many of the portfolios available in Polaris Platinum III were available in predecessor contracts. The portfolios have been part of the Separate Account since the portfolio inception dates shown. Returns shown in italics are hypothetical adjusted historical returns for periods prior to the date the portfolios became available in the Separate Account that funds Polaris Platinum III. These returns are derived from the performance of the corresponding underlying portfolio in the Trusts, adjusted to reflect the charges and expenses of Polaris Platinum III as if the underlying portfolio had been available in the Separate Account during the stated period. Returns not in italics are the actual returns of the Separate Account for the Polaris Platinum III portfolios, net of charges and fees as stated.
5. Month-End with Withdrawal Charge and Quarter-End with Withdrawal Charge actual and hypothetical adjusted historical total annual returns are annualized (unless reported for a period of less than 1 year) and represent what your return would have been if you withdrew all your money at the end of the stated period. Figures are net of management fees, contract charges and company-imposed withdrawal charges, but not fees for optional living benefits (see Important Information above); Polaris Platinum III withdrawal charges decline over seven years as follows: 8-7-6-5-4-3-2-0%. Note: If you purchased your contract before May 2, 2011, your withdrawal charge in year 1 is 7% and year 2 is 6%. Returns shown reflect the higher schedule. Returns with withdrawal charges will differ from those shown here if you have elected Early Access, which has a different withdrawal charge schedule as noted above the table.
IMPORTANT NOTE ABOUT AMERICAN FUNDS SAST PORTFOLIOS: The American Funds SAST Funds (Feeder Funds), part of the SunAmerica Series Trust (SAST), invest all of their assets in corresponding funds (Master Funds) of the American Funds Insurance Series (AFIS). Investing in a Feeder Fund may result in higher fees and expenses than investing directly in a Master Fund as the Feeder Funds will bear their own portfolio expenses as well as their pro rata share of each Feeder Fund's corresponding Master Fund fees and expenses. Please see the prospectus and SAI for more information regarding the master-feeder fund structure. Note: The hypothetical adjusted historical returns for the American Funds SAST portfolios are derived from the performance of the corresponding portfolio in the underlying AFIS trust, adjusted to reflect certain fees and charges (as discussed above) as if the portfolio had been in the Separate Account during the stated period.
M4673RM1.10 (05/17) Policy from #AG-803 (7/13)
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