Benefit base is used only to calculate benefits and fees. It does not guarantee contract value. Withdrawal amounts depend on age, duration and rider elected.
* Premium bonus from 5-15% varies by state, age and rider option and vests over the 10- or 12-year surrender period. Products offering a bonus may offer less favorable credited interest rates, and participation and cap rates than products not offering a bonus. Over time, the amount of the bonus may be more than offset by these less favorable rates.
** Annual proof of qualification must be submitted to receive the care benefit. Benefits are available after the second contract anniversary and are subject to a 90-day qualification period.
FOR AGENT USE ONLY. Not for distribution to the public as sales literature.
Guarantees are based on the claims-paying ability of PHL Variable Insurance Company (PHLVIC), Hartford, CT.
Indexed annuities issued by PHL Variable Insurance Company (PHLVIC) (Hartford, CT). PHLVIC is not authorized to conduct business in New York and Maine.