Horizon Variable Annuity

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1 Horizon Variable Annuity

2 Since the Horizon Variable Annuity consists of lower cost options and simple essentials, it may be suitable for people in a variety of circumstances. Whether you ve just retired or have been enjoying your work-free life for a few years, Horizon may still be an appropriate addition to your retirement strategy. See the client profiles for Mary and married couple, Bill and Sue to learn more about how Horizon could work for you. Client Profile #1: PROFILE NEEDS DOESN T NEED WHAT IS A VARIABLE ANNUITY? Variable annuities are designed to help meet investment and income objectives for retirement. Contracts offer: Tax-deferred growth potential through a range of investment options from a variety of professional money managers Flexible payout options to help meet a variety of income needs Age 55 Divorced No children Plans to retire in 10 years Life expectancy of 83 years Client Profile #2: Accumulate assets in order to meet retirement goals Flexibility to withdraw money sooner than planned Enhanced death benefit Expensive extra features Optional income and investment guarantees for enhanced financial protection Variable annuities are subject to the market fluctuations of the underlying investment options and possible loss of principal. As a result, the value, at any point in time, may be worth more or less than the amount invested. Furthermore, there are fees and charges associated with the purchase and ownership of a variable annuity, including sales charges, premiumbased charges and mortality and risk expense charges. The fees and charges will affect values within the contract. Age 65 Married PROFILE NEEDS DOESN T NEED Preparing to retire Healthy Owns a full featured deferred VA contract Surrender charge on prior annuity contract has expired Strongest possible income stream Ability to convert to guaranteed income stream in 10 years Lower cost product to maximize return on investment Enhanced death benefit Expensive extra features IS A VARIABLE ANNUITY RIGHT FOR YOU? Variable annuities, like all investments, are not right for everyone. Your financial advisor can help you determine if one is right for you based on your personal circumstances and objectives. Considerations include your tolerance for investment risk and fluctuations, as well as the length of time you plan to hold the annuity before accessing its benefits. When properly incorporated into an overall retirement strategy, a variable annuity may offer appealing benefits. Guarantees are based on the claims-paying ability of Commonwealth Annuity and Life Insurance Company.

3 WHEN YOU ONLY NEED THE ESSENTIALS Sometimes, a no-frills adventure is the best adventure. Just pack the essentials and get moving. Getting to your retirement destination doesn t have to be complicated, which is why Commonwealth Annuity offers the Horizon variable annuity. With Horizon, you can go anywhere, anytime, with fewer restrictions and lower fees. After all, you ve worked hard to build a rewarding retirement, and perhaps even hope to leave some of your nest egg to your family. But with people living longer today, it s natural to have concerns about outliving your savings. Horizon is a lower cost, surrender charge free variable annuity that provides retirement investors a tax-deferred investment vehicle with lifetime income options. When choosing an annuity to fund your qualified plan, keep in mind that tax deferral can be achieved through other investment vehicles funding the plan. Horizon offers several options that may be appropriate for your situation. If simplicity, flexibility and tax deferral are priorities for your retirement strategy, your financial advisor can help you decide if Horizon is right for you.

4 Product Details Maximum lifetime annuity age of 99 Available through age 90, with no mandatory payouts until age 99, you can enjoy a longer period of tax deferral than most variable annuity products. It s also a convenient way to pass assets along to your beneficiaries, tax-deferred. Eligibility Includes non-qualified and qualified plans: IRA (Traditional), Roth IRA, 401(k), 403(b), 457(b)gov, 457(b)non-gov Contributions Single and periodic payment(s) Payroll deductions for qualified plans Pre-authorized withdrawals from checking account available for non-qualified annuities and IRAs Purchase Payments Initial Subsequent Qualified: $50 $50 Non-Qualified: $5,000 $250 Withdrawals 1 You can withdraw any or all of the contract value, less applicable premium taxes, at any time. Contract Charges and Fees Annual Annuity Charge: 0.75% Mortality and Expense Risk Charge: 0.60% Administration Fee: 0.15% Surrender Charges: 1 None Annual Contract Fee: $30 (if contract value is less than $50,000) Transfer Charges: None Commutation Charge: None Premium Taxes: Range from 0% to 3.5%, may be assessed on purchase payments, death benefits, partial withdrawals, surrender, and/or annuitization Investment Management Fees: Charged in addition to the fees listed above. Refer to the prospectus for a complete listing by underlying fund.

5 Annuity Payout Options Choose guaranteed income for life or a period of 10 years for one person or two. All annuitizations are fixed payout options and may not begin later than (1) the 99th birthday of the older annuitant or (2) 10 years after contract is issued. Guaranteed income for a specified period of 10 years Guaranteed income for life Guaranteed income for life with 10-year period certain Guaranteed for life and joint annuitant s life Guaranteed income for life and joint annuitant s life with 10-year period certain Death Benefit Death benefit is equal to accumulated value. See prospectus for details. Transfers Before your annuity date, while your contract is in the accumulation phase, you can transfer assets between the various subaccounts. There is no minimum dollar amount required for transfers. Transfers are generally limited to a maximum of 12 per year, but may differ based on individual fund requirements. Dollar Cost Averaging (DCA) Option 2 Dollar cost averaging (DCA) allows you to take advantage of fluctuating market prices by making scheduled investments, so you can transfer a predesignated portion from a subaccount or the fixed account into a destination subaccount(s) of your choosing on a regular basis. This feature can reduce the average price of your subaccount units over time. Dollar cost averaging does not ensure a profit or protect against loss. You should consider your ability to continue investing during periods of low price levels. Automatic Asset Rebalancing Option This feature allows you to establish a desired investment mix and have your assets automatically adjusted on a monthly, quarterly, semi-annual, or annual basis. It is not available concurrently with Dollar Cost Averaging. Investment Options Horizon offers a range of investment options from multiple fund managers. Our variable investment options include domestic, international, industry-specific and fixed income funds from the world s most recognized fund families and trusted money managers. 1 Withdrawals are subject to ordinary income tax. Withdrawals prior to age 59½ may be subject to an additional federal tax penalty 2 Because Dollar Cost Averaging (DCA) involves continuous investing regardless of fluctuating price levels, your clients should carefully consider their financial ability to continue investing through periods of fluctuating prices. Continuous or periodic investment plans neither assure a profit nor protect against loss in declining markets. Guarantees are based on the claims-paying ability of the issuing insurance company and subject to compliance with benefit rules.

6 Commonwealth Annuity and Life Insurance Company Commonwealth Annuity and Life Insurance Company is a leading provider of products that offer capital, risk and business solutions for insurance companies throughout the United States. The company specializes in reinsurance, restructurings and acquisitions to help carriers achieve business objectives and growth. A focus on investment and risk management, along with commitment to service, underlie Commonwealth s track record and reputation throughout the industry. The company is a subsidiary of Global Atlantic Financial Group Limited, a financial services company focused on the annuity, life insurance and reinsurance markets with $40 billion in assets and nine offices. Guarantees are based on the claims-paying ability of Commonwealth Annuity and Life Insurance Company. An annuity purchased for a tax-qualified retirement account does not provide any additional tax deferred treatment of earnings beyond the treatment that is already provided by the tax-qualified plan itself. For such plans, the Contract should be purchased for other features and benefits, such as the Fixed Account s minimum interest rate guarantee, the Standard Death Benefit, the Step-Up Death Benefit, or the Annuity Options. This information is written in connection with the promotion or marketing of the matter(s) addressed in this material. The information cannot be used or relied upon for the purpose of avoiding IRS penalties. These materials are not intended to provide tax, accounting or legal advice. As with all matters of a tax or legal nature, you should consult your tax or legal counsel for advice. Taxable distributions- Withdrawals are subject to ordinary income tax and if made prior to age 59½, may also be subject to a 10% federal income tax penalty. This variable annuity contains certain fees and charges including mortality and expense charges, administrative charges, withdrawal charges and a contract fee. Annuity contracts do not represent deposits or obligations of any banking institution nor are they insured by the Federal Deposit Insurance Corporation or guaranteed by any federal government agency. Certain contract provisions and riders may not be available or may vary by state. Horizon variable annuity is a flexible premium fixed and variable deferred annuity issued by Commonwealth Annuity and Life Insurance Company, 132 Turnpike Road, Suite 210, Southborough, MA Securities distributed by Epoch Securities Inc. member FINRA/SIPC. This material is authorized for distribution only when accompanied or preceded by a prospectus for the annuities being offered. The prospectus contains investment objectives, risks, fees, charges, expenses, and other information regarding the variable annuity contract and the underlying investments, which should be considered carefully before investing. You should read the prospectus carefully before investing money. All statements qualified by final prospectus and Contract and are subject to change without notice. In the event of a conflict between this information and that contained in the prospectus and/or contract, the prospectus and contract shall prevail. All information herein is as of 5/2015, unless otherwise noted. purchasing a variable annuity contract. CW5006 (05-15) 2015 Commonwealth Annuity commonwealthannuity.com

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