Take a look at Horace Mann's Annuity Alternatives variable annuity program
|
|
- Loreen Preston
- 8 years ago
- Views:
Transcription
1 Take a look at Horace Mann's Annuity Alternatives variable annuity program An annuity offers some significant features and guarantees. As life expectancies increase, a key retirement concern is outliving your money. With an annuity you have the opportunity to choose lifetime income options, which would supply you with income you are guaranteed not to outlive. In addition, if you die before you retire, the guaranteed minimum death benefit provides some safeguards for your family. With a Horace Mann Life Insurance Company Annuity Alternatives variable annuity you get that and more. Horace Mann has partnered with a number of well-known investment firms to provide educators a full range of investment options that span a wide spectrum of investment styles. From large company growth to bond options, we can help match your personal investment comfort level with the appropriate investment options. You can re-allocate your money, use dollar-cost-averaging, or use systematic rebalancing to maintain your desired investment strategy. You can also allocate contributions to a fixed account with a guaranteed interest rate. Keep a long-range outlook A variable annuity is an insurance product designed to help meet retirement needs and should be seen as part of a long-term retirement plan. However, we understand investors may want to monitor the performance results of the investment options available within our variable annuities. Therefore, we provide these monthly performance updates. Take a few minutes to review the results; we caution you to not make a purchase or allocation decision based solely on the numbers in the following tables. You may be tempted to try to chase the investment options providing the best current results. However, for that to work, you have to be right twice. You have to know when to start investing in an option and when to stop. Those are tough calls, even for professional money managers. Stock market and individual investment option performance often comes in spurts easily missed while you're waiting for just the right time to make changes. At Horace Mann, we recommend you keep a long-range focus, as annuities are long-term investments, and work closely with a Horace Mann representative to keep your goals and risk tolerance in sync with your investment option choices. Investment options performance as of March 31, 2016 These tables reflect the three-month return and average annual rates of return for each investment option within the Annuity Alternatives program. All results for periods prior to the stated inclusion dates are hypothetical performance, and the results after those dates are actual performance of the investment options in the Annuity Alternatives program. The three-month return and average annual rates of return assume premiums were paid as of the beginning of the period indicated. The three-month return and average annual rates of return of each variable subaccount were adjusted for a 1.35 percent mortality and expense fee until March 1, 1999 when the fee was reduced to 1.25 percent. This product includes an annual maintenance fee of $25 while the account is less than $10,000 and the following surrender charges: year one, 8 percent; year two, 8 percent; year three, 6 percent; year four, 4 percent; year five, 2 percent; and falling to 0 percent by the sixth year of the contract. Surrender charges apply to the account value withdrawn. All returns in the tables below are based on a $10,000 investment; however, the annual maintenance fee has been deducted in calculating all returns. You should refer to your contract for your specific fees/charges. Contracts issued with lower fees/charges could experience more favorable returns. The returns measure past performance and do not guarantee future results. The actual experience may vary based on the amount of the premium and the date premium payments were made. The investment return and value of a variable annuity will fluctuate, depending on the performance of the selected investment options, and the value of the variable annuity may be worth more or less than the original investment when withdrawn. Current performance may be higher or lower than the performance data quoted. Monthly performance updates are available by visiting horacemann.com. Go to the Financial Services section, click on Learn more about Annuities and then click horacemann.c Monthly Investment Options Performance under the Annuity Resources section on the right and scroll to Annuity Alternatives. IM
2 The results in the two following tables include performance results for investment options for time periods prior to their inclusion in the contract. These results for periods prior to inclusion are calculated as if the options were part of the contract during those periods to provide historical perspective on the options and are not actual performance in the contract. Return if money remained invested The results in the table below represent the return if all money remained invested in the contract at the end of the applicable time period. They reflect the mortality and expense fee and the annual maintenance fee. Because the money remained invested, they do not reflect surrender charges. Lifecycle ++Wilshire VIT 2015 ETF Fund (8) May % 2.56% --% 3.36% 1.94% -3.90% 1.33% ++Wilshire VIT 2025 ETF Fund (8) May % 2.11% --% 3.38% 2.20% -4.82% 0.85% ++Wilshire VIT 2035 ETF Fund (8) May % 1.62% --% 3.64% 2.77% -5.47% 0.23% Fidelity VIP Freedom 2015 Service Class 2 (17) Apr % -4.57% 3.23% 3.64% 3.05% -3.65% 0.17% Fidelity VIP Freedom 2025 Service Class 2 (17) Apr % -5.57% 3.52% 4.60% 4.19% -4.30% -0.24% Fidelity VIP Freedom 2035 Service Class 2 (17) Apr % -7.38% --% 4.97% 4.79% -5.55% -1.21% Fidelity VIP Freedom 2045 Service Class 2 (17) Apr % -7.33% --% 5.16% 5.05% -5.48% -1.14% Asset Allocation ++Ibbt Conservative ETF Portfolio Class II (13) Apr % 1.78% --% 1.15% 0.12% -1.73% 1.93% ++Ibbt Income & Growth ETF Portfolio Class II (13) Apr % 3.93% --% 1.97% 1.14% -2.58% 1.86% ++Ibbt Balanced ETF Portfolio Class II (13) Apr % 6.29% --% 2.91% 2.27% -3.64% 1.92% ++Ibbt Growth ETF Portfolio Class II (13) Apr % 8.03% --% 3.27% 3.11% -4.64% 1.59% ++Ibbt Aggressive Growth ETF Portfolio Class II (13) Apr % 8.78% --% 3.29% 3.28% -5.15% 1.59% Fidelity VIP FundsManager 20% Service Class 2 (17) Apr % -1.90% --% 1.78% 1.31% -2.08% 0.86% Fidelity VIP FundsManager 50% Service Class 2 (17) Apr % -4.02% --% 3.59% 3.46% -3.59% 0.00% Fidelity VIP FundsManager 60% Service Class 2 (17) Aug % -4.61% --% 4.19% 4.33% -3.97% -0.26% Fidelity VIP FundsManager 70% Service Class 2 (17) Apr % -4.99% --% 4.55% 4.74% -4.58% -0.72% Fidelity VIP FundsManager 85% Service Class 2 (17) Apr % -6.55% --% 5.04% 5.74% -5.46% -1.32% Large value American Funds IS Blue Chip Income and Growth (16) Dec % 5.23% --% --% 10.44% 0.26% 5.11% ++Davis Value Portfolio (2) Jun % 2.39% 2.88% 5.74% 5.96% -5.98% -4.76% ++T Rowe Price Equity Income Portfolio VIP II (8) Apr % 3.37% 3.48% 6.16% 4.40% -4.93% 2.34% *++Wilshire Large Company Value Portfolio (2) Sep % 3.68% 2.55% 6.79% 6.41% -6.85% -1.11% Large core ++Fidelity VIP Growth and Income Portfolio (SC2) (3) Dec % 2.45% 4.18% 8.78% 7.28% -4.68% -0.73% Fidelity VIP Index 500 Portfolio (SC2) (3) Aug % 2.09% 5.16% 9.64% 9.85% -0.03% 0.95% JPMorgan Ins Trust U.S. Equity Portfolio (2) Mar % 13.95% 6.96% 9.73% 10.30% -3.36% -1.40% *++Wilshire 5000 Index Portfolio (Invest) (1) Jan % 2.09% 4.78% 8.82% 9.09% -1.62% 0.76% Large growth ^AllianceBernstein VPS Large Cap Growth Portfolio (2) Jun % 0.14% 5.40% 10.80% 14.43% 1.82% -1.60% American Funds IS Growth Fund (16) Dec % 5.10% --% --% 9.40% -1.58% -2.75% ++Delaware VIP US Growth Series-Service Class (14) May % 9.35% 5.07% 10.25% 8.90% -5.81% -6.79% ++Fidelity VIP Growth Portfolio (SC2) (3) Oct % 0.24% 5.16% 8.73% 11.01% -3.64% -4.61% *++Wilshire Large Company Growth Portfolio (1) Sep % 0.71% 4.63% 7.99% 9.72% 1.03% -0.58% Mid value ^AllianceBernstein VPS Small/Mid Cap Value (8) May % 5.61% 5.63% 6.72% 7.32% -6.18% 3.88% ++American Century VP Mid Cap Value Class 1 (14) Dec % 12.44% 7.33% 10.07% 10.41% 0.55% 4.83% *@Ariel Appreciation Fund (6) Dec % 6.61% 5.95% 7.60% 7.50% % 0.78% *^Ariel Fund (6) Nov % 6.52% 4.20% 6.98% 8.28% % -0.63% "++Goldman Sachs VIT Mid Cap Value (12) Jan % 7.02% 4.23% 5.60% 4.70% % -0.86% MFS Mid Cap Value Portfolio (17) Jan % -3.95% --% 8.88% 8.81% -3.73% 3.54% +Wells Fargo Advantage VT Opportunity Fund (2) May % 4.36% 5.38% 6.22% 7.20% -6.00% 1.60% page 2
3 Return if money remained invested Mid core Calvert VP S&P MidCap 400 Index Portfolio (12) May % 8.99% 5.41% 7.17% 7.09% -5.73% 3.29% #Dreyfus Inv Portfolios: Mid Cap Stock Portfolio (7) May % 6.48% 5.00% 8.84% 8.61% -5.11% 2.85% ++Fidelity VIP Mid Cap Portfolio (SC2) (3) Dec % 7.12% 4.89% 5.12% 6.85% -8.26% -0.69% *++Rainier Small/Mid Cap Equity Portfolio (2) May % 4.41% 2.66% 4.82% 4.61% % -5.51% Mid growth ++Delaware VIP Smid Cap Growth Series SC (7) Apr % 8.90% 7.61% 8.90% 10.93% 0.93% 0.78% #Lord Abbett Series Fund Growth Opportunities (7) Apr % 6.56% 5.65% 5.31% 8.01% -7.74% -2.41% ^Putnam VT Multi-Cap Growth Fund IB Shares (2) Apr % 10.81% 4.20% 8.08% 9.98% -6.71% -2.14% Wells Fargo Advantage VT Discovery Fund (2)(9) May % 6.76% 6.49% 6.31% 4.93% % -4.34% Small value JPMorgan Small Cap Value (17) Dec % -6.47% 3.69% 6.25% 4.51% -8.77% 2.75% ++Royce Capital Fund Small Cap Portfolio (7) Dec % 6.44% 4.25% 4.72% 6.01% -7.97% 8.81% *+T Rowe Price Small Cap Value Fund (4) Jun % 8.63% 4.02% 5.44% 3.78% -4.53% 2.78% *++Wilshire Small Company Value Portfolio (2) Sep % 7.97% 3.83% 7.51% 8.34% -6.33% 1.91% Small core Dreyfus Inv Portfolios: Sm Cap Stock Index Portfolio (10) May % 7.06% 5.05% 8.35% 8.32% -5.17% Sachs VIT Structured Small Cap Equity Fund (7) Feb % 4.66% 2.56% 6.75% 6.89% -9.47% -0.14% ++Lazard Ret. US Small-Mid Cap Equ (12) Nov % 6.95% 4.32% 4.84% 7.89% -9.28% -0.17% *++Neuberger Berman Genesis Fund (Advisor Class) (2) Apr % 8.61% 5.45% 6.03% 5.81% -4.16% 1.19% *+T Rowe Price Small Cap Stock Fund (4) Aug % 6.62% 5.62% 7.14% 6.26% -8.65% -0.54% Small growth %AllianceBernstein VPS Small Cap Growth Portfolio (8) Aug % 4.35% 4.28% 4.86% 3.70% % -8.20% Lord Abbett Developing Growth Portfolio (15) Apr % 5.25% --% 4.19% 3.93% % % *#Wilshire Small Company Growth Portfolio (2) Oct % 4.59% 4.61% 7.21% 7.98% -7.03% -0.66% Developed markets Fidelity VIP Overseas Portfolio (SC2) (3) Jan % 0.44% 0.49% 1.32% 2.69% -6.76% -4.16% Emerging markets American Funds IS New World Fund (16) Dec % -7.17% --% --% -1.97% -7.84% -0.73% ~Fidelity VIP Emerging Markets (SC2) (12) Jan % -1.64% --% -4.59% -3.37% % 2.02% Real estate ++Delaware VIP REIT Series (Service Class) (11) May % 5.84% 4.88% 9.88% 8.42% 1.88% 4.16% Fidelity VIP Real Estate Portfolio Service Class 2 (17) Nov % 7.24% 5.12% 9.60% 8.51% 1.69% 4.91% Corporate Bond Fidelity VIP Investment Grade Bond Portfolio (SC2) (3) Dec % 3.61% 3.06% 1.96% 0.33% -0.90% 2.69% Global Bond Templeton Global Bond Securities Fund - Class 4 (12) Feb % 1.23% --% 0.25% -2.66% -6.80% -1.17% page 3
4 Return if money remained invested High Yield Bond ++Fidelity VIP High Income Portfolio (SC2) (3) Sep % 2.56% 3.84% 2.20% -0.64% -6.02% 1.98% Frankin High Income Securities (17) Jan % % 3.56% 1.54% -2.44% % 1.71% Balanced American Funds IS Managed Risk Asset Allocation (16) Sep % -0.24% --% --% 3.35% -2.53% 0.03% Wilshire VIT Global Allocation Fund (5) Oct % 5.30% 2.34% 3.98% 3.39% -3.61% 0.18% Money market T Rowe Price Prime Reserve Portfolio (8) Dec % -0.32% -0.34% -1.48% -1.50% -1.49% -0.31% Return if money withdrawn early The results in the table below represent the return if the contract was surrendered at the end of the applicable time period and reflect the mortality and expense fee, surrender charges and the annual maintenance fee. Lifecycle ++Wilshire VIT 2015 ETF Fund (8) May % 2.56% --% 3.06% 0.28% % -5.47% ++Wilshire VIT 2025 ETF Fund (8) May % 2.11% --% 3.08% 0.55% % -5.95% ++Wilshire VIT 2035 ETF Fund (8) May % 1.62% --% 3.34% 1.13% % -6.57% Fidelity VIP Freedom 2015 Service Class 2 (17) Apr % % 3.23% 3.34% 1.43% % -6.63% Fidelity VIP Freedom 2025 Service Class 2 (17) Apr % % 3.52% 4.31% 2.60% % -7.04% Fidelity VIP Freedom 2035 Service Class 2 (17) Apr % % --% 4.69% 3.22% % -8.01% Fidelity VIP Freedom 2045 Service Class 2 (17) Apr % % --% 4.88% 3.49% % -7.94% Asset Allocation ++Ibbt Conservative ETF Portfolio Class II (13) Apr % 1.42% --% 0.82% -1.61% -8.53% -4.87% ++Ibbt Income & Growth ETF Portfolio Class II (13) Apr % 3.60% --% 1.66% -0.55% -9.38% -4.94% ++Ibbt Balanced ETF Portfolio Class II (13) Apr % 5.98% --% 2.61% 0.62% % -4.88% ++Ibbt Growth ETF Portfolio Class II (13) Apr % 7.74% --% 2.96% 1.48% % -5.21% ++Ibbt Aggressive Growth ETF Portfolio Class II (13) Apr % 8.50% --% 2.99% 1.66% % -5.21% Fidelity VIP FundsManager 20% Service Class 2 (17) Apr % -8.70% --% 1.46% -0.38% -8.88% -5.94% Fidelity VIP FundsManager 50% Service Class 2 (17) Apr % % --% 3.30% 1.85% % -6.80% Fidelity VIP FundsManager 60% Service Class 2 (17) Aug % % --% 3.90% 2.75% % -7.06% Fidelity VIP FundsManager 70% Service Class 2 (17) Apr % % --% 4.27% 3.16% % -7.52% Fidelity VIP FundsManager 85% Service Class 2 (17) Apr % % --% 4.76% 4.19% % -8.12% Large value American Funds IS Blue Chip Income and Growth (16) Dec % 1.66% --% --% 7.97% -8.38% -9.55% ++Davis Value Portfolio (2) Jun % 2.39% 2.88% 5.47% 4.42% % % ++T Rowe Price Equity Income Portfolio VIP II (8) Apr % 3.37% 3.48% 5.89% 2.82% % -4.46% *++Wilshire Large Company Value Portfolio (2) Sep % 3.68% 2.55% 6.53% 4.89% % -7.91% Large core ++Fidelity VIP Growth and Income Portfolio (SC2) (3) Dec % 2.45% 4.18% 8.54% 5.78% % -7.53% Fidelity VIP Index 500 Portfolio (SC2) (3) Aug % 2.09% 5.16% 9.41% 8.43% -6.83% -5.85% JPMorgan Ins Trust U.S. Equity Portfolio (2) Mar % 13.95% 6.96% 9.49% 8.88% % -8.20% *++Wilshire 5000 Index Portfolio (Invest) (1) Jan % 2.09% 4.78% 8.58% 7.64% -8.42% -6.04% Large growth ^AllianceBernstein VPS Large Cap Growth Portfolio (2) Dec % 0.14% 5.40% 10.58% 13.12% -4.98% -8.40% American Funds IS Growth Fund (16) Dec % 1.80% --% --% 9.03% -6.54% -1.69% ++Delaware VIP US Growth Series-Service Class (14) May % 8.68% 5.07% 10.02% 7.45% % % ++Fidelity VIP Growth Portfolio (SC2) (3) Oct % 0.24% 5.16% 8.49% 9.61% % % *++Wilshire Large Company Growth Portfolio (1) Sep % 0.71% 4.63% 7.74% 8.29% -5.77% -7.38% page 4
5 Return if money withdrawn early Mid value ^AllianceBernstein VPS Small/Mid Cap Value (8) May % 5.61% 5.63% 6.46% 5.82% % -2.92% ++American Century VP Mid Cap Value Class 1 (14) Dec % 11.82% 7.33% 9.83% 9.00% -6.25% -1.97% *@Ariel Appreciation Fund (6) Dec % 6.61% 5.95% 7.35% 6.01% % -6.02% *^Ariel Fund (6) Nov % 6.52% 4.20% 6.72% 6.81% % -7.43% "++Goldman Sachs VIT Mid Cap Value (12) Jan % 7.02% 4.23% 5.32% 3.12% % -7.66% MFS Mid Cap Value Portfolio (17) Jan % % --% 8.63% 7.35% % -3.26% +Wells Fargo Advantage VT Opportunity Fund (2) May % 4.36% 5.38% 5.96% 5.70% % -5.20% Mid core Calvert VP S&P MidCap 400 Index Portfolio (12) May % 8.99% 5.41% 6.91% 5.58% % -3.51% #Dreyfus Inv Portfolios: Mid Cap Stock Portfolio (7) May % 6.48% 5.00% 8.60% 7.15% % -3.95% ++Fidelity VIP Mid Cap Portfolio (SC2) (3) Dec % 7.12% 4.89% 4.84% 5.34% % -7.49% *++Rainier Small/Mid Cap Equity Portfolio (2) May % 4.41% 2.66% 4.54% 3.03% % % Mid growth ++Delaware VIP Smid Cap Growth Series SC (7) Apr % 8.90% 7.61% 8.66% 9.53% -5.87% -6.02% #Lord Abbett Series Fund Growth Opportunities (7) Apr % 6.56% 5.65% 5.03% 6.53% % -9.21% ^Putnam VT Multi-Cap Growth Fund IB Shares (2) Apr % 10.81% 4.20% 7.83% 8.56% % -8.94% Wells Fargo Advantage VT Discovery Fund (2)(9) May % 6.76% 6.49% 6.04% 3.37% % % Small value JPMorgan Small Cap Value (17) Dec % % 3.69% 5.98% 2.93% % -4.05% ++Royce Capital Fund Small Cap Portfolio (7) Dec % 6.44% 4.25% 4.43% 4.48% % 2.01% *+T Rowe Price Small Cap Value Fund (4) Jun % 8.63% 4.02% 5.16% 2.17% % -4.02% *++Wilshire Small Company Value Portfolio (2) Sep % 7.97% 3.83% 7.25% 6.87% % -4.89% Small core Dreyfus Inv Portfolios: Sm Cap Stock Index Portfolio (10) May % 7.06% 5.05% 8.10% 6.85% % Sachs VIT Structured Small Cap Equity Fund (7) Feb % 4.66% 2.56% 6.48% 5.38% % -6.94% ++Lazard Ret. US Small-Mid Cap Equ (12) Nov % 6.95% 4.32% 4.55% 6.41% % -6.97% *++Neuberger Berman Genesis Fund (Advisor Class) (2) Apr % 8.61% 5.45% 5.76% 4.27% % -5.61% *+T Rowe Price Small Cap Stock Fund (4) Aug % 6.62% 5.62% 6.88% 4.73% % -7.34% Small growth %AllianceBernstein VPS Small Cap Growth Portfolio (8) Aug % 4.35% 4.28% 4.58% 2.10% % % Lord Abbett Developing Growth Portfolio (15) Apr % 3.64% --% 3.90% 2.33% % % *#Wilshire Small Company Growth Portfolio (2) Oct % 4.59% 4.61% 6.95% 6.50% % -7.46% Developed markets Fidelity VIP Overseas Portfolio (SC2) (3) Jan % 0.44% 0.49% 0.99% 1.05% % % Emerging markets American Funds IS New World Fund (16) Dec % % --% --% -3.77% % -7.53% ~Fidelity VIP Emerging Markets (SC2) (12) Jan % -1.64% --% -5.01% -5.22% % -4.78% Real estate ++Delaware VIP REIT Series (Service Class) (11) May % 5.84% 4.88% 9.65% 6.96% -4.92% -2.64% Fidelity VIP Real Estate Portfolio Service Class 2 (17) Nov % 0.44% 5.12% 9.36% 7.05% -5.11% -1.89% page 5
6 Return if money withdrawn early Corporate Bond Fidelity VIP Investment Grade Bond Portfolio (SC2) (3) Dec % 3.61% 3.06% 1.64% -1.39% -7.70% -4.11% Global Bond Templeton Global Bond Securities Fund - Class 4 (12) Feb % 1.23% --% -0.08% -4.49% % -7.97% High Yield Bond ++Fidelity VIP High Income Portfolio (SC2) (3) Sep % 2.56% 3.84% 1.89% -2.39% % -4.82% Frankin High Income Securities (17) Jan % % 3.56% 1.22% -4.26% % -5.09% Balanced American Funds IS Managed Risk Asset Allocation (16) Sep % -3.85% --% --% 1.73% -9.33% -6.77% Wilshire VIT Global Allocation Fund (5) Oct % 5.30% 2.34% 3.69% 1.77% % -6.62% Money market T Rowe Price Prime Reserve Portfolio (8) Dec % -0.32% -0.34% -1.84% -3.28% -8.29% -7.11% Standardized performance This table shows standardized performance for all investment options based on the actual performance, including the mortality and expense fee, the annual maintenance fee and surrender charges, since the options were included in the Annuity Alternatives contract. Performance is only included for time periods since the options were included in the contract and all other time periods are blank. Since Variable investment options inclusion** years years years year months Lifecycle ++Wilshire VIT 2015 ETF Fund (8) 2.56% --% 3.06% 0.28% % -5.47% ++Wilshire VIT 2025 ETF Fund (8) 2.11% --% 3.08% 0.55% % -5.95% ++Wilshire VIT 2035 ETF Fund (8) 1.62% --% 3.34% 1.13% % -6.57% Fidelity VIP Freedom 2015 Service Class 2 (17) % --% --% --% --% -6.63% Fidelity VIP Freedom 2025 Service Class 2 (17) % --% --% --% --% -7.04% Fidelity VIP Freedom 2035 Service Class 2 (17) % --% --% --% --% -8.01% Fidelity VIP Freedom 2045 Service Class 2 (17) % --% --% --% --% -7.94% Asset Allocation ++Ibbt Conservative ETF Portfolio Class II (13) 1.42% --% --% -1.61% -8.53% -4.87% ++Ibbt Income & Growth ETF Portfolio Class II (13) 3.60% --% --% -0.55% -9.38% -4.94% ++Ibbt Balanced ETF Portfolio Class II (13) 5.98% --% --% 0.62% % -4.88% ++Ibbt Growth ETF Portfolio Class II (13) 7.74% --% --% 1.48% % -5.21% ++Ibbt Aggressive Growth ETF Portfolio Class II (13) 8.50% --% --% 1.66% % -5.21% Fidelity VIP FundsManager 20% Service Class 2 (17) -8.70% --% --% --% --% -5.94% Fidelity VIP FundsManager 50% Service Class 2 (17) % --% --% --% --% -6.80% Fidelity VIP FundsManager 60% Service Class 2 (17) % --% --% --% --% -7.06% Fidelity VIP FundsManager 70% Service Class 2 (17) % --% --% --% --% -7.52% Fidelity VIP FundsManager 85% Service Class 2 (17) % --% --% --% --% -8.12% Large value American Funds IS Blue Chip Income and Growth (16) 1.80% --% --% --% -6.54% -1.69% ++Davis Value Portfolio (2) 2.39% 2.88% 5.47% 4.42% % % ++T Rowe Price Equity Income Portfolio VIP II (8) 3.37% --% 5.89% 2.82% % -4.46% *++Wilshire Large Company Value Portfolio (2) 3.68% 2.55% 6.53% 4.89% % -7.91% Large core ++Fidelity VIP Growth and Income Portfolio (SC2) (3) 2.45% 4.18% 8.54% 5.78% % -7.53% Fidelity VIP Index 500 Portfolio (SC2) (3) 2.09% 5.16% 9.41% 8.43% -6.83% -5.85% JPMorgan Ins Trust U.S. Equity Portfolio (2) 13.95% --% 9.49% 8.88% % -8.20% *++Wilshire 5000 Index Portfolio (Invest) (1) 2.09% 4.78% 8.58% 7.64% -8.42% -6.04% page 6
7 Standardized performance Since Variable investment options inclusion** years years years year months Large growth ^AllianceBernstein VPS Large Cap Growth Portfolio (2) 0.14% 5.40% 10.58% 13.12% -4.98% -8.40% American Funds IS Growth Fund (16) 1.66% --% --% --% -8.38% -9.55% ++Delaware VIP US Growth Series-Service Class (14) 8.68% --% --% 7.45% % % ++Fidelity VIP Growth Portfolio (SC2) (3) 0.24% 5.16% 8.49% 9.61% % % *++Wilshire Large Company Growth Portfolio (1) 0.71% 4.63% 7.74% 8.29% -5.77% -7.38% Mid value ^AllianceBernstein VPS Small/Mid Cap Value (8) 5.61% --% 6.46% 5.82% % -2.92% ++American Century VP Mid Cap Value Class 1 (14) 11.82% --% --% 9.00% -6.25% -1.97% *@Ariel Appreciation Fund (6) 6.61% 5.95% 7.35% 6.01% % -6.02% *^Ariel Fund (6) 6.52% 4.20% 6.72% 6.81% % -7.43% "++Goldman Sachs VIT Mid Cap Value (12) 7.02% --% 5.32% 3.12% % -7.66% MFS Mid Cap Value Portfolio (17) % --% --% --% --% -3.26% +Wells Fargo Advantage VT Opportunity Fund (2) 4.36% 5.38% 5.96% 5.70% % -5.20% Mid core Calvert VP S&P MidCap 400 Index Portfolio (12) 8.99% --% 6.91% 5.58% % -3.51% #Dreyfus Inv Portfolios: Mid Cap Stock Portfolio (7) 6.48% 5.00% 8.60% 7.15% % -3.95% ++Fidelity VIP Mid Cap Portfolio (SC2) (3) 7.12% 4.89% 4.84% 5.34% % -7.49% *++Rainier Small/Mid Cap Equity Portfolio (2) 4.41% 2.66% 4.54% 3.03% % % Mid growth ++Delaware VIP Smid Cap Growth Series SC (7) 8.90% 7.61% 8.66% 9.53% -5.87% -6.02% #Lord Abbett Series Fund Growth Opportunities (7) 6.56% 5.65% 5.03% 6.53% % -9.21% ^Putnam VT Multi-Cap Growth Fund IB Shares (2) 10.81% --% 7.83% 8.56% % -8.94% Wells Fargo Advantage VT Discovery Fund (2)(9) 6.76% 6.49% 6.04% 3.37% % % Small value JPMorgan Small Cap Value (17) % --% --% --% --% -4.05% ++Royce Capital Fund Small Cap Portfolio (7) 6.44% 4.25% 4.43% 4.48% % 2.01% *+T Rowe Price Small Cap Value Fund (4) 8.63% 4.02% 5.16% 2.17% % -4.02% *++Wilshire Small Company Value Portfolio (2) 7.97% 3.83% 7.25% 6.87% % -4.89% Small core Dreyfus Inv Portfolios: Sm Cap Stock Index Portfolio (10) 7.06% --% 8.10% 6.85% % Sachs VIT Structured Small Cap Equity Fund (7) 4.66% 2.56% 6.48% 5.38% % -6.94% ++Lazard Ret. US Small-Mid Cap Equ (12) 6.95% --% 4.55% 6.41% % -6.97% *++Neuberger Berman Genesis Fund (Advisor Class) (2) 8.61% 5.45% 5.76% 4.27% % -5.61% *+T Rowe Price Small Cap Stock Fund (4) 6.62% 5.62% 6.88% 4.73% % -7.34% Small growth %AllianceBernstein VPS Small Cap Growth Portfolio (8) 4.35% --% 4.58% 2.10% % % Lord Abbett Developing Growth Portfolio (15) 3.64% --% --% --% % % *#Wilshire Small Company Growth Portfolio (2) 4.59% 4.61% 6.95% 6.50% % -7.46% page 7
8 Standardized performance Since Variable investment options inclusion** years years years year months Developed markets Fidelity VIP Overseas Portfolio (SC2) (3) 0.44% 0.49% 0.99% 1.05% % % Emerging markets American Funds IS New World Fund (16) % --% --% --% % -7.53% ~Fidelity VIP Emerging Markets (SC2) (12) -1.64% --% -5.01% -5.22% % -4.78% Real estate ++Delaware VIP REIT Series (Service Class) (11) 5.84% --% 9.65% 6.96% -4.92% -2.64% Fidelity VIP Real Estate Portfolio Service Class 2 (17) 0.44% --% --% --% --% -1.89% Corporate Bond Fidelity VIP Investment Grade Bond Portfolio (SC2) (3) 3.61% 3.06% 1.64% -1.39% -7.70% -4.11% Global Bond Templeton Global Bond Securities Fund - Class 4 (12) 1.23% --% -0.08% -4.49% % -7.97% High Yield Bond ++Fidelity VIP High Income Portfolio (SC2) (3) 2.56% 3.84% 1.89% -2.39% % -4.82% Frankin High Income Securities (17) % --% --% --% --% -5.09% Balanced American Funds IS Managed Risk Asset Allocation (16) -3.85% --% --% --% -9.33% -6.77% Wilshire VIT Global Allocation Fund (5) 5.30% 2.34% 3.69% 1.77% % -6.62% Money market T Rowe Price Prime Reserve Portfolio (8) -0.32% --% -1.84% -3.28% -8.29% -7.11% Seven-day yield (as of 03/31/2016) -0.02% page 8
9 Annuity Alternatives contract information More information about Horace Mann Life Insurance Company, Annuity Alternatives and the underlying investment options of Annuity Alternatives, including the charges and expenses, can be found in the current prospectuses. You can receive prospectuses from your Horace Mann representative, by calling or via our Web site horacemann.com. You should read the contract prospectus and the underlying investment option prospectuses carefully and consider the investment objectives, risks and charges and expenses carefully before you invest or send money. Horace Mann Life Insurance Company underwrites these variable annuity contracts, which are offered by Horace Mann Investors, Inc., member FINRA. Horace Mann Investors, Inc. is located at #1 Horace Mann Plaza, Springfield, IL As with all securities, variable annuities are subject to market volatility and involve the risk of loss, including loss of principal. Due to market volatility, short-term returns may not be indicative of longer-term results. While all investing involves some risk there are greater risks associated with investing in small size companies, mid-size companies, international securities, high-yield bonds and socially responsible portfolios. These risks are presented in detail in the prospectuses. Non-qualified annuities offer the benefit of potential tax-deferred growth. While an annuity is not required in order to obtain tax deferral within a qualified retirement plan, an annuity offers additional benefits, including those stated above. In order to offer these benefits, there are additional charges and fees included in the annuity. Distributions from an annuity may be subject to federal income taxes. In addition, there may be a 10% penalty tax on distributions withdrawn before age 59½. The IRS restricts distributions from 403(b) annuities before age 59½ and 457(b) eligible annuities before age 70½ and they may be further restricted by your employer's plan document. The guarantees in this contract are provided by Horace Mann Life Insurance Company and are based on the financial stability of the company. An investment in the T Rowe Price Prime Reserve Portfolio is not guaranteed by the Federal Deposit Insurance Corporation or any other governmental agency. Although the Portfolio seeks to preserve the value of your investment at $1.00 per share, it is possible to lose money by investing in the Portfolio. The yield quotation more closely reflects current earnings than the total return quotations. Wilshire Associates Incorporated became the investment advisor for the Horace Mann Mutual Funds variable investment options on March 1, The advisor and/or sub advisors managing these Funds' assets have varied over the periods shown. Please see the prospectus for additional details. On Sept. 30, 2004, sponsorship of these Funds was transferred to Wilshire Associates Incorporated, and the names of the Funds were changed to Wilshire VIT. On September 19, 2014, the Wilshire VIT Equity Fund, Wilshire VIT Income Fund, Wilshire VIT Socially Responsible Fund, Wilshire VIT Small Cap Fund and Wilshire VIT International Equity Fund were merged into the Wilshire VIT Balanced Fund, and the name of the Wilshire VIT Balanced Fund was changed to the Wilshire VIT Global Allocation Fund. The variable investment option names in the tables may not match the names in the footnotes due to abbreviations. The trademarks used herein are owned by, and used with the permission of, the respective companies. (1) The Wilshire Large Company Growth Portfolio (Institutional Class) and the Dow Jones Wilshire 5000 Index Portfolio (Institutional Class) became variable investment options in Horace Mann s Annuity Alternatives program on May 1, 2000 (inclusion date). For contracts issued on or after Sept. 5, 2000, these investment options invest in the Investment Class of shares of each Portfolio. (2) The JPMorgan Insurance Trust U.S. Equity Portfolio (previously known as JPMorgan U.S. Large Cap Core Equity Portfolio), the AllianceBernstein Premier Large Cap Growth Portfolio, the Davis Value Portfolio, the Wilshire Large Company Value Portfolio, the Rainier Small/Mid Cap Equity Portfolio, the Putnam VT Multi-Cap Growth Fund (IB Shares) (previously known as Putnam VT Vista Fund), the Wells Fargo Advantage VT Discovery Fund, the Wells Fargo Advantage VT Opportunity Fund, the Neuberger Berman Genesis Fund (Advisor Class), the Wilshire Small Company Growth Portfolio and the Wilshire Small Company Value Portfolio were not available in Horace Mann's Annuity Alternatives program until Sept. 5, 2000 (inclusion date). The inception dates referred to above may be for a different class of shares than offered in the annuity. The JPMorgan U.S. Large Cap Core Equity Portfolio was merged into the JPMorgan Insurance Trust U.S. Equity Portfolio on April 24, The Putnam VT Vista Fund was merged into the Putnam VT Multi-Cap Growth Fund on September 24, (3) The inclusion date for the Fidelity VIP Growth & Income Portfolio (SC2), Fidelity VIP Index 500 Portfolio (SC2), Fidelity VIP Mid Cap Portfolio (SC2), Fidelity VIP Growth Portfolio (SC2), Fidelity VIP Overseas Portfolio (SC2), Fidelity VIP High Income Portfolio (SC2) and Fidelity VIP Investment Grade Bond Portfolio (SC2) is Sept. 5, page 9
10 (4) The performance information presented is that of the retail share class. With the exception of the standardized table, the performance presented (inception date) for the T Rowe Price Small-Cap Stock Fund - Advisor Class is as of Sept. 1, 1992, the date T Rowe Price began advising this fund, and the performance presented (inception date) for the T Rowe Price Small-Cap Value Fund - Advisor Class is as of June 30, The Advisor Class for both funds commenced operations on March 31, These funds were added to the Annuity Alternatives program on Sept. 5, 2000 (inclusion date). (5) Wilshire VIT Balanced Fund was included in the Annuity Alternatives program on Oct. 31, 1989 (inclusion date). Since inception for the Wilshire VIT Balanced Fund refers to Oct. 31, 1989, the date Wellington Management Co., LLP became its investment advisor. Wilshire Associates Incorporated became the investment advisor for the Wilshire VIT Balanced Fund on March 1, The advisor and/or sub advisors managing this option's assets have varied over the periods shown. Please see the prospectus for additional details. On September 19, 2014, the Wilshire VIT Equity Fund, Wilshire VIT Income Fund, Wilshire VIT Socially Responsible Fund, Wilshire VIT Small Cap Fund and Wilshire VIT International Equity Fund were merged into the Wilshire VIT Balanced Fund, and the name of the Wilshire VIT Balanced Fund was changed to the Wilshire VIT Global Allocation Fund. (6) The Ariel Fund and the Ariel Appreciation Fund were added to the Annuity Alternatives program on May 1, 2001 (inclusion date). (7) The Delaware VIP Smid Cap Growth Series (Service Class) (previously known as the Delaware VIP Growth Opportunities Series), Delaware VIP Trend Series (Service Class), Dreyfus Investment Portfolios: Mid Cap Stock Portfolio (Service Shares), Goldman Sachs VIT Structured Small Cap Equity Fund, Lord Abbett Series Fund - Growth Opportunities Portfolio and Royce Capital Fund Small-Cap Portfolio were included in the Annuity Alternatives program on June 1, 2004 (inclusion date). The Delaware VIP Trend Series was merged into the Delaware VIP Smid Cap Growth Series on October 8, (8) AllianceBernstein VPS Fund, Inc. Small/Mid Cap Value Portfolio, AllianceBernstein VPS Fund, Inc. Small Cap Growth Portfolio, T Rowe Price Equity Income Portfolio VIP II, T Rowe Price Prime Reserve Portfolio, Wilshire Variable Insurance Trust (VIT) 2015 Moderate Fund, Wilshire VIT 2025 Moderate Fund and Wilshire VIT 2035 Moderate Fund were included in the Annuity Alternatives program on May 1, 2006 (inclusion date). (9) As of May 1, 2006, the Wells Fargo Advantage VT Discovery Fund is again available for allocations and transfers under existing contracts. (10) Dreyfus Investment Portfolios: Small Cap Stock Index Portfolio (Service Shares) was included in the Annuity Alternatives program on May 1, 2008 (inclusion date). (11) Delaware VIP REIT Series (Service Class) was included in the Annuity Alternatives program on June 2, 2008 (inclusion date). (12) Goldman Sachs VIT Mid Cap Value, Calvert S&P MidCap 400 Index, Lazard Retirement US Small-Mid Cap Equity Portfolio, Fidelity VIP Emerging Markets (SC2) and the Templeton Global Bond Securities Fund were included in the Annuity Alternatives program on May 1, 2010 (inclusion date). (13) The Ibbotson Conservative ETF Asset Allocation Portfolio (Class II), Ibbotson Income & Growth ETF Asset Allocation Portfolio (Class II), Ibbotson Balanced ETF Asset Allocation Portfolio (Class II), Ibbotson Growth ETF Asset Allocation Portfolio (Class II), and Ibbotson Aggressive Growth ETF Asset Allocation Portfolio (Class II) were added to the Horace Mann Life Insurance Company Separate Account on October 1, 2011 (inclusion date) but were not available in the Annuity Alternatives program until May 1, (14) The Delaware VIP US Growth Series-Service Class and American Century VP Mid Cap Value Class 1 were added to the Annuity Alternatives program on May 1, (15) The Lord Abbett Series Fund Developing Growth Portfolio was added to the Annuity Alternatives program on May 1, (16) The American Funds IS New World Fund, American Funds IS Managed Risk Asset Allocation Fund, American Funds IS Blue Chip Income and Growth Fund and American Funds IS Growth Fund were added to the Annuity Alternatives program on May 1, (17) The Franklin High Income Securities, Fidelity VIP Real Estate SC2, Fidelity VIP Freedom 2015 SC2, Fidelity VIP Freedom 2025 SC2, Fidelity VIP Freedom 2035 SC2, Fidelity VIP Freedom 2045 SC2, Fidelity VIP FundsManager 20% SC2, Fidelity VIP FundsManager 50% SC2, Fidelity VIP FundsManager 60% SC2, Fidelity VIP FundsManager 70% SC2, Fidelity VIP FundsManager 85% SC2, JPMorgan Small Cap Value and MFS Mid Cap Value were added to the Annuity Alternatives program on May 1, page 10
Voya Retirement Insurance and Annuity Company
P E R F O R M A N C E U P D A T E Voya Retirement Insurance and Annuity Company THE OHIO STATE UNIVERSITY ARP Variable Annuity Account C, Non-Standardized Returns Average Annual Total Returns as of: 03/31/2015
More informationVoya Retirement Insurance and Annuity Company
P E R F O R M A N C E U P D A T E Voya Retirement Insurance and Annuity Company MONTGOMERY COUNTY PUBLIC SCHOOLS 403B Variable Annuity Account C, Non-Standardized Returns with and without a Deferred Sales
More informationRetireReady SM Variable Income Provider an immediate variable annuity issued by Genworth Life and Annuity Insurance Company
as of November 30, 2012 RetireReady SM Variable Income Provider an immediate variable annuity issued by 41781 12/01/12 Exp. 01/15/13 '2012 Genworth Financial, Inc. All rights reserved. Page 1 of 10 IMPORTANT
More informationRetireReady SM Accumulator NY joint life and last survivor variable life insurance issued by Genworth Life Insurance Company of New York
as of November 30, 2012 RetireReady SM Accumulator NY variable life insurance 18427NY 12/01/12 Exp. 01/15/13 '2012 Genworth Financial, Inc. All rights reserved. Page 1 of 10 IMPORTANT INFORMATION The following
More informationVoya Retirement Insurance and Annuity Company
P E R F O R M A N C E U P D A T E Voya Retirement Insurance and Annuity Company INDEPENDENT S D 197 403B PLAN Variable Annuity Account C, Non-Standardized Returns Average Annual Total Returns as of: 09/30/2015
More informationRetireReady SM Accumulator NY - single life variable life insurance issued by Genworth Life Insurance Company of New York
as of November 30, 2012 RetireReady SM Accumulator NY - variable life insurance 18404NY 12/01/12 Exp. 01/15/13 '2012 Genworth Financial, Inc. All rights reserved. Page 1 of 10 IMPORTANT INFORMATION The
More informationRetireReady SM Legacy - joint life and last survivor variable life insurance issued by Genworth Life and Annuity Insurance Company
as of November 30, 2012 RetireReady SM Legacy - variable life insurance 17424 12/01/12 Exp. 01/15/13 '2012 Genworth Financial, Inc. All rights reserved. Page 1 of 10 IMPORTANT INFORMATION The following
More informationVoya Retirement Insurance and Annuity Company
P E R F O R M A N C E U P D A T E Voya Retirement Insurance and Annuity Company OPPORTUNITY PLUS Variable Annuity Account C, Non-Standardized Returns without a Deferred Sales Charge Average Annual Total
More informationMerrill Lynch Investor Choice Annuity - IRA Series B Class
Merrill Lynch Investor Choice Annuity - IRA Series B Class The performance quoted represents past performance and does not guarantee future results; and current performance may be lower or higher than
More informationRetireReady SM Selections NY a variable annuity issued by Genworth Life Insurance Company of New York
as of November 30, 2012 RetireReady SM Selections NY 19807NY 12/01/12 Exp. 01/15/13 '2012 Genworth Financial, Inc. All rights reserved. Page 1 of 14 IMPORTANT INFORMATION The following information is designed
More informationCommonwealth VL Flex - Single-Pay variable life insurance issued by Genworth Life and Annuity Insurance Company
as of November 30, 2012 Commonwealth VL Flex - Single-Pay variable life insurance issued by 13874 12/01/12 Exp. 01/15/13 '2012 Genworth Financial, Inc. All rights reserved. Page 1 of 7 IMPORTANT INFORMATION
More informationTransamerica Landmark SM ML Variable Annuity
Transamerica Landmark SM ML Variable Annuity The performance quoted represents past performance and does not guarantee future results; and current performance may be lower or higher than the performance
More informationSecurity Life of Denver Insurance Company
P E R F O R M A N C E U P D A T E Security Life of Denver Insurance Company Asset Portfolio Manager VUL Average Annual Total Returns as of: 05/31/2013 (shown in percentages) The following variable investment
More informationCommonwealth Variable Universal Life variable life insurance issued by Genworth Life and Annuity Insurance Company
as of November 30, 2012 Commonwealth Variable Universal Life variable life insurance issued by 14609 12/01/12 Exp. 01/15/13 '2012 Genworth Financial, Inc. All rights reserved. Page 1 of 7 IMPORTANT INFORMATION
More information19801NY 12/01/12 Exp. 01/15/13 '2012 Genworth Financial, Inc. All rights reserved. Page 1 of 13
as of November 30, 2012 For contracts issued on or after May 1, 2003 RetireReady SM Choice NY 19801NY 12/01/12 Exp. 01/15/13 '2012 Genworth Financial, Inc. All rights reserved. Page 1 of 13 IMPORTANT INFORMATION
More informationAdvisor s Edge Variable Annuity Product Guide
Advisor s Edge Variable Annuity Product Guide Advisor s Edge Product Guide Annuities issued by: Monumental Life Insurance Company Cedar Rapids, IA Underwritten and distributed by Transamerica Capital,
More informationVoya Retirement Insurance and Annuity Company
P E R F O R M A N C E U P D A T E Voya Retirement Insurance and Annuity Company CLACKAMAS COUNTY 457(B) DC PLAN Separate Account D Average Annual Total Returns as of: 11/30/2015 (shown in percentages)
More informationLincoln ChoicePlus Assurance SM
2015 Prospectus for Lincoln ChoicePlus Assurance SM variable annuity B share May 1, 2015 This document and many others can be read online by signing up for edelivery! Make a positive environmental impact
More informationIntelligent Life Variable Universal Life Insurance Intelligent Life Survivorship Variable Universal Life Insurance
TIAA-CREF Life Insurance Company (TIAA-CREF Life) Intelligent Life Variable Universal Life Insurance Intelligent Life Survivorship Variable Universal Life Insurance Current subaccount performance period
More informationLincoln ChoicePlus SM Design variable annuity
FOR INCOME Prospectus Lincoln ChoicePlus SM Design variable annuity May 1, 2012 This document and many others can be read online by signing up for edelivery! Make a positive environmental impact by signing
More informationEQUI-VEST. Series 100/200 Variable Annuities
EQUIVEST Annualized Rates of Return as of 03/31/2013, Annualized Monthly Rates of Return For the Period Ending 03/31/2013 net of annual administrative charge and the maximum applicable withdrawal charge
More informationThe USCM Deferred Compensation Program
The USCM Deferred Compensation Program Average Annualized Total Return: Non-STANDARDIZED (For the Non-Standardized report, denotes that the underlying investment option has not been in existence for the
More informationANNUAL REPORT PHOENIX LIFE VARIABLE UNIVERSAL LIFE ACCOUNT
ANNUAL REPORT PHOENIX LIFE VARIABLE UNIVERSAL LIFE ACCOUNT December 31, 2015 STATEMENTS OF ASSETS AND LIABILITIES December 31, 2015 Alger Capital Appreciation Portfolio Class I-2 Shares Anchor Series
More informationRetirement Gateway Group Variable Annuity
Retirement Gateway Group Variable Annuity investment options Portal I Allocation Portfolios Large Cap (Continued) Mid-Cap (Continued) Short-Term Bonds AXA Aggressive Allocation B DynaTech R Eaton Vance
More informationPower Portfolio a variable annuity issued by Genworth Life Insurance Company
as of November 30, 2012 Power Portfolio 16979 12/01/12 Exp. 01/15/13 '2012 Genworth Financial, Inc. All rights reserved. Page 1 of 9 IMPORTANT INFORMATION The following information is designed to help
More informationAdvisor s Edge Variable Annuity Product Guide Effective July 1, 2015
Advisor s Edge Variable Annuity Product Guide Effective July 1, 2015 Advisor s Edge Product Guide Annuities issued by Transamerica Premier Life Insurance Company Cedar Rapids, IA. Annuities are underwritten
More informationVariable Annuity Investment Options
Variable Annuity Investment Options Commonwealth Annuity offers a comprehensive range of investment options to help you build a diversified portfolio. Our investment options at a glance. Commonwealth Annuity
More informationVariable Investment Option Performance Update
Variable Investment Option Performance Update MetLife Insurance Company USA The performance data quoted represents past performance and does not guarantee future results. Current performance may be lower
More information1. Online by visiting tiaa-cref.org 2. By phone at 800 842-2252 available Monday Friday, 8 a.m. to 10 p.m. and Saturday, 9 a.m. to 6 p.m.
SWEET BRIAR COLLEGE DEFINED CONTRIBUTION RETIREMENT PLAN Summary of Plan Services and Costs This summary provides important information to assist you in making decisions related to your participation in
More informationAFMAXX 457(b) Group Variable Annuity - American Fidelity Separate Account C * May 31, 2016 Monthly Performance
May 3, 206 Monthly Performance Annuities can provide an effective and systematic method of saving for retirement. Variable annuities offer growth potential which can help build wealth by keeping up with
More informationPersonal Risk Profile and Asset Allocation A Guide to Investing Variable Product Series. Building your future with a secure partner
Personal Risk Profile and Asset Allocation A Guide to Investing Variable Product Series Building your future with a secure partner SM Kansas City Life Insurance Company Investment basics Taking personal
More informationYORK LIFE INSURANCE AND ANNUITY CORPORATION
Statement of Additional Information dated May 1, 2013 for Corporate Executive Series VI Variable Universal Life Policies from NEW YORK LIFE INSURANCE AND ANNUITY CORPORATION This Statement of Additional
More informationVoya Retirement Insurance and Annuity Company
P E R F O R M A N C E U P D A T E Voya Retirement Insurance and Annuity Company STATE OF NEVADA DEFERRED COMP Separate Account D, Group Annuity Contract Average Annual Returns as of: 05/31/2016 (shown
More informationSchwab Select Annuity
Schwab Select Annuity Prospectus May 1, 2012 Detailed information about the Schwab Select Annuity Issued by Great-West Life & Annuity Insurance Company Rule 497(e) File Nos. 333-01153 and 811-07549 SCHWAB
More informationEQUI-VEST. Series 300/400 Variable Annuities
EQUIVEST Annualized Rates of Return as of 07/31/2015, Annualized Monthly Rates of Return For the Period Ending 07/31/2015 net of annual administrative charge and the maximum applicable withdrawal charge
More informationWe've created a. Advisor Series I
TRS 2253 1201 We've created a Plan Advisor Series I That fits your needs. The Plan SM Advisor Series I can help you make the most of what you and your employees have worked so hard to build. How? By combining
More informationBonds, alternatives and REITs have a way of creating taxable income. We have three proven ways to tax-defer it.
Bonds, alternatives and REITs have a way of creating taxable income. We have three proven ways to tax-defer it. Welcome to Monument Advisor. A tax-advantaged investing solution with nearly 400 investment
More informationInvestment Protector. Allianz Vision SM Variable Annuity. Get protection with growth potential. Allianz Life Insurance Company of North America
Allianz Life Insurance Company of North America Investment Protector Get protection with growth potential. Allianz Vision SM Variable Annuity VSN-103 Page 1 of 12 Build it. Use it. Pass it on. This brochure
More informationProspectus. Retirement Advantage. May 1, 2015. Group Variable Annuity. Group Variable Annuity The Ohio National Life Insurance Company
Group Variable Annuity Retirement Advantage Prospectus Group Variable Annuity The Ohio National Life Insurance Company May 1, 2015 This page is not part of the prospectus. Prospectus Retirement Advantage
More informationProduct & Service Comparison Guide
Product & Service Comparison Guide Polaris Platinum III Polaris Choice IV Polaris Advantage II Not FDIC or NCUA/NCUSIF Insured May Lose Value No Bank or Credit Union Guarantee Not a Deposit Not Insured
More informationInvestment options insights A look at Investment Choices for VUL III Variable Universal Life Insurance
An Educational Guide for Consumers Investment options insights A look at Investment Choices for VUL III Variable Universal Life Insurance Investment Strategies This brochure must be preceded or accompanied
More informationSecurity Life of Denver Insurance Company
P E R F O R M A N C E U P D A T E Security Life of Denver Insurance Company Voya Variable Universal Life-ECV Average Annual Total Returns as of: 11/30/2015 (shown in percentages) Mutual funds offered through
More informationDiversified Growth SM Variable Universal Life. Protection and accumulation that adjust with your life. A better way of life
Diversified Growth SM Variable Universal Life Protection and accumulation that adjust with your life A better way of life Add to your peace of mind, while adding to your assets You want and need to protect
More informationWaddell & Reed Advisors Select Plus Annuity SM Invest in your future
Investment choices performance report January 31, 2016 Waddell & Reed Advisors Select Plus Annuity SM Invest in your future Answers to frequently asked questions. What you should know about purchasing
More informationPayroll Deduction Roth IRA
Payroll Deduction Roth IRA Date: Oct. 30, 2006 Presented by: WENDELL KRISTOFAK, RETIREMENT PLANS SPECIALIST AC: 0606-791 Agenda ICMA-RC Overview Payroll Deduction Roth IRA Investments Summary 2 Corporate
More informationMichigan State University Mapping Schedule
Michigan State University Mapping Schedule (This page left blank intentionally) Table of Contents 1 AXA Equitable 4 Fidelity 10 Lord Abbett 13 TIAA-CREF 15 VALIC 18 Vanguard (This page left blank intentionally)
More informationProspectus. Sign up for edelivery! Principal Variable Universal Life Income II SM. May 1, 2016 2012
Principal Variable Universal Life Income II SM Prospectus May 1, 2016 2012 Sign up for edelivery! www.principal.com, principal.com,my Profile, and sign up under - For Life products, call 1-800-247-9988.
More informationL-18534C For Broker/Dealer Use Only 08/02
Getting Past Today s Headlines The Emotional Yield Curve Wow, am I Smart. Excitement Thrill Optimism Point of Maximum Financial Risk Euphoria Anxiety Denial Fear Temporary set back - I m m a long-term
More informationClarity 2+2 Variable Annuity Service Form
1. Contract Information Contract Number Name of Annuitant Name of Contract Owner (If different than Annuitant) Name of Joint Contract Owner (If applicable) 2. Telephone Transfer Authorization I hereby
More informationJEFFERSON NATIONAL LIFE INSURANCE COMPANY JEFFERSON NATIONAL LIFE ANNUITY ACCOUNT H JEFFERSON NATIONAL LIFE ANNUITY ACCOUNT I
JEFFERSON NATIONAL LIFE INSURANCE COMPANY JEFFERSON NATIONAL LIFE ANNUITY ACCOUNT H JEFFERSON NATIONAL LIFE ANNUITY ACCOUNT I Rule 497 (e) 333-90737, 333-53836 SUPPLEMENT DATED DECEMBER 16, 2008 TO PROSPECTUS
More informationHow To Choose A Gmwb Rider
Principal Investment Plus Variable Annuity SM Prospectus Prospectus (FOR APPLICATIONS SIGNED ON OR AFTER AUGUST 1, 2013) May 1, 2013 2012 November August 1, 2, 2013 2015 Sign up for edelivery! principal.com,
More informationStart investing in yourself today, with help from the University System of Maryland Supplemental 403(b) Plan and Fidelity.
University System of Maryland Supplemental 403(b) Plan (#65612) Start investing in yourself today, with help from the University System of Maryland Supplemental 403(b) Plan and Fidelity. Invest some of
More informationVoya Retirement Insurance and Annuity Company
P E R F O R M A N C E U P D A T E Voya Retirement Insurance and Annuity Company SEPTA DEFERRED COMPENSATION Separate Account D, Group Annuity Contract Average Annual Total Returns as of: 01/31/2016 (shown
More informationLincoln ChoicePlus SM Fusion Lincoln Life Variable Annuity Account N (Registrant) The Lincoln National Life Insurance Company (Depositor)
Lincoln ChoicePlus SM Fusion Lincoln Life Variable Annuity Account N (Registrant) The Lincoln National Life Insurance Company (Depositor) Statement of Additional Information (SAI) This SAI should be read
More informationWealthQuest III Variable Universal Life PERFORMANCE REPORT
The WealthQuest III Variable Universal Life Insurance is issued by American National Insurance Company, Galveston, Texas and distributed by Securities Management and Research, Inc., 2450 South Shore Boulevard,
More informationPruco Life Insurance Company Pruco Life Insurance Company of New Jersey
Pruco Life Insurance Company Pruco Life Insurance Company of New Jersey PRUDENTIAL PREMIER RETIREMENT VARIABLE ANNUITY X SERIES SM ( X SERIES ) PRUDENTIAL PREMIER RETIREMENT VARIABLE ANNUITY B SERIES SM
More informationCENTURY II VARIABLE UNIVERSAL LIFE PROSPECTUS INDIVIDUAL FLEXIBLE PREMIUM VARIABLE LIFE INSURANCE CONTRACT
CENTURY II VARIABLE UNIVERSAL LIFE PROSPECTUS INDIVIDUAL FLEXIBLE PREMIUM VARIABLE LIFE INSURANCE CONTRACT KANSAS CITY LIFE VARIABLE LIFE SEPARATE ACCOUNT OF KANSAS CITY LIFE INSURANCE COMPANY Street Address:
More informationTIAA-CREF NOVA SOUTHEASTERN UNIVERSITY 401(K) PLAN. Summary of Plan Services and Costs
NOVA SOUTHEASTERN UNIVERSITY 401(K) PLAN Summary of Plan Services and Costs July 11, 2013 This summary provides important information to assist you in making decisions related to your participation in
More informationSeptember 30, 2015 For use during the Fourth Quarter, 2015 performance update
THE NORTHWESTERN MUTUAL LIFE INSURANCE COMPANY September 30, 2015 For use during the Fourth Quarter, 2015 performance update Northwestern Mutual Select TM Variable Annuity: RR Series Account A and Traditional
More informationDelaware VIP International Value Equity Series Goldman Sachs Capital Growth Fund Goldman Sachs Core Fixed Income Fund
ALLMERICA FINANCIAL LIFE INSURANCE AND ANNUITY COMPANY Worcester, Massachusetts This Prospectus provides important information about the Allmerica Advantage variable annuity contracts issued by Allmerica
More informationSentinel Advantage Variable Annuity P R O S P E C T U S Dated May 1, 2011
Sentinel Advantage Variable Annuity P R O S P E C T U S Dated May 1, 2011 National Life Insurance Company Home Office: National Life Drive, Montpelier, Vermont 05604 1-800-732-8939 The Contracts described
More informationPRUCO LIFE INSURANCE COMPANY PRUCO LIFE FLEXIBLE PREMIUM VARIABLE ANNUITY ACCOUNT
GENPRODSUP6 PRUCO LIFE INSURANCE COMPANY PRUCO LIFE FLEXIBLE PREMIUM VARIABLE ANNUITY ACCOUNT PRUCO LIFE INSURANCE COMPANY OF NEW JERSEY PRUCO LIFE OF NEW JERSEY FLEXIBLE PREMIUM VARIABLE ANNUITY ACCOUNT
More informationAdvisor s Edge Variable Annuity Prospectus May 2015
Advisor s Edge Variable Annuity Prospectus May 2015 Advisor s Edge Variable Annuity Prospectus VAE0515 Annuities issued in all states except New York by Transamerica Premier Life Insurance Company, Cedar
More informationFidelity Freedom Lifetime Income Annuity *
Fidelity Freedom Lifetime Income Annuity * SECURE A STREAM OF INCOME 1 THAT S GUARANTEED 2 FOR LIFE. Fidelity insurance products are issued by Fidelity Investments Life Insurance Company (FILI) and, in
More informationRiverSource Variable Universal Life Insurance III
May 1, 2016 RiverSource Variable Universal Life Insurance III This wrapper contains a prospectus and a prospectus supplement dated May 1, 2016. S-6189 CA (5/16) Issued by: RiverSource Life Insurance Company
More informationThe George Washington University Retirement Plans. How to get started
The George Washington University Retirement Plans How to get started Table of Contents Why Save 3 Plans at a Glance 4 Approved Investment Providers 7 How to Enroll 8 Provider Fact Sheets 9 Investment Education
More informationYOUR GUIDE TO GETTING STARTED
George Mason University Cash Match Plan (#72170) Invest in your retirement and yourself today, with help from The George Mason 401(a) Match Plan and Fidelity. YOUR GUIDE TO GETTING STARTED Invest some
More informationStart investing in yourself today, with help from the. Optional Retirement Plan (ORP) and Fidelity.
State of Maryland - Institutions of Higher Education Optional Retirement Plan (ORP) Plan No. 65575 Start investing in yourself today, with help from the State of Maryland - Institutions of Higher Education
More informationMISSISSIPPI ORP. Net. Gross Fund. Fund. Fund. Inception. Stability of Principal
P E R F O R M A N C E U P D A T E MISSISSIPPI ORP Average Annual Total Returns as of: 01/31/2016 (shown in percentages) Mutual funds offered through a retirement plan are investments designed for retirement
More informationPacific Portfolios variable annuity for Chase
Receive This Document Electronically (See Inside) This brochure contains: Prospectus dated May 1, 2015 for Pacific Portfolios variable annuity for Chase and the Privacy Notice (Inside back cover) Pacific
More informationKANSAS CITY LIFE INSURANCE COMPANY. Kansas City Life Variable Life Separate Account
KANSAS CITY LIFE INSURANCE COMPANY Kansas City Life Variable Life Separate Account Supplement dated May 1, 2015 to the Prospectus dated May 1, 2015 for the Century II Variable Universal Life Insurance
More informationInvestment Options Guide
Allianz Life Insurance Company of North America Investment Options Guide A variety of options for today s retirement USA-1448 Page 1 of 16 Solutions for RETIREMENT REALITIES This brochure must be preceded
More informationSunTrust Rollover Solution Center
SunTrust Rollover Solution Center www.suntrust.com/retirement 1-800-453-4015 Mutual fund categories T he SunTrust Rollover Solution Center can help explain many investment options including a product that
More informationFund changes coming to your retirement plan. Swarthmore College Regular Retirement Plan
Fund changes coming to your retirement plan Swarthmore College Regular Retirement Plan As Swarthmore College enters its 150th year as a premier practitioner of the liberal arts, it is ever more grateful
More informationNationwide Destination SM [B]
Nationwide Destination SM [B] Prospectus dated May 1, 2016 An Individual Flexible Premium Deferred Variable Annuity Contract Issued by Nationwide Life Insurance Company Through its Nationwide Variable
More informationAllianz Vision SM Prospectus
Allianz Life Insurance Company of New York www.allianzlife.com/newyork/ Allianz Vision New York Variable Annuity Allianz Vision SM Prospectus New York Variable Annuity Individual flexible-payment deferred
More informationRiverSource Variable Universal Life Insurance III
April 29, 2013 RiverSource Variable Universal Life Insurance III This wrapper contains a prospectus. visit ameriprise.com/paperless S-6189 AF (4/13) Issued by: RiverSource Life Insurance Company From the
More informationRoll-up Rate: 5% Withdrawal Percentages
PRUDENTIAL PREMIER RETIREMENT VARIABLE ANNUITY (Offering Highest Daily Lifetime Income v3.0) PRUCO LIFE INSURANCE COMPANY PRUCO LIFE FLEXIBLE PREMIUM VARIABLE ANNUITY ACCOUNT PRUCO LIFE INSURANCE COMPANY
More informationDate of Hire (mm/dd/yyyy) / / City/Town State Zip Code Number of Dependents Marital Status [ ] Married [ ] Single. Date of Birth (mm/dd/yyyy) / /
ENROLLMENT FORM 403(b) Group Variable Annuity In this form, may also be referred to as the Company. Participant Information (please type or print clearly) Name THE HEARTHSTONE Billing Group Number Name
More informationRiverSource Variable Universal Life IV RiverSource Variable Universal Life IV Estate Series
April 29, 2013 RiverSource Variable Universal Life IV RiverSource Variable Universal Life IV Estate Series This wrapper contains: Combined prospectus for RiverSource» Variable Universal Life IV and RiverSource»
More informationRoll-up Rate: 5% Withdrawal Percentages
PRUDENTIAL PREMIER RETIREMENT VARIABLE ANNUITIES PRUDENTIAL PREMIER ADVISOR VARIABLE ANNUITIES (Offering Highest Daily Lifetime Income v3.0) PRUCO LIFE INSURANCE COMPANY PRUCO LIFE FLEXIBLE PREMIUM VARIABLE
More informationRiverSource RAVA 5 Advantage Variable Annuity. RAVA 5 Select Variable Annuity RAVA 5 Access Variable Annuity. May 1, 2016
May 1, 2016 RiverSource RAVA 5 Advantage Variable Annuity RAVA 5 Select Variable Annuity RAVA 5 Access Variable Annuity (Offered for contract applications signed on or after April 29, 2013) This wrapper
More informationAllianz Life Insurance Company of North America www.allianzlife.com. A flexible-payment deferred variable annuity: Allianz Life Variable Account B
Allianz Life Insurance Company of North America www.allianzlife.com Allianz Vision Variable Annuity Allianz Vision SM Prospectus Variable Annuity A flexible-payment deferred variable annuity: Allianz Life
More informationOverview of Your TIAA-CREF Investment Solutions SM Accounts
Overview of Your TIAA-CREF Investment Solutions SM Accounts TIAA-CREF Investment Solutions SM now offers you nine mutual funds in addition to our fixed and variable annuity accounts. TIAA-CREF Investment
More informationRiverSource Retirement Advisor 4 Advantage Variable Annuity. RiverSource Retirement Advisor 4 Select Variable Annuity
May 1, 2015 RiverSource Retirement Advisor 4 Advantage Variable Annuity RiverSource Retirement Advisor 4 Select Variable Annuity RiverSource Retirement Advisor 4 Access Variable Annuity This wrapper contains
More informationANNUITIES VARIABLE. MetLife Retirement Perspectives. Underlying Funds Summary WHERE ARE YOU. headed? L-18063-3 7/05
ANNUITIES VARIABLE MetLife Retirement Perspectives Underlying Funds Summary WHERE ARE YOU headed? L-18063-3 7/05 MetLife Retirement Perspectives Funding Options ASSET CLASS FUNDING OPTIONS Fixed Account
More informationUnderstanding Annuities
Annuities, 06 5/4/05 12:43 PM Page 1 Important Information about Variable Annuities Variable annuities are offered by prospectus, which you can obtain from your financial professional or the insurance
More informationNEW YORK LIFE INSURANCE AND ANNUITY CORPORATION (A Delaware Corporation) Change of Allocation, Transfer, and Full Reallocation of Existing Funds Form
NEW YORK LIFE INSURANCE AND ANNUITY CORPORATION (A Delaware Corporation) Change of Allocation, Transfer, and Full Reallocation of Existing Funds Form Policy Number: Instructions: Date: Policyowner(s):
More informationROCHESTER INSTITUTE OF TECHNOLOGY Comparable Funds By Asset Class
ROCHESTER INSTITUTE OF TECHNOLOGY Comparable Funds By Asset Class In response to the request from several participants, the following is a guide to comparable funds in the new investment fund lineup, by
More informationMetLife Resources Gold Track Select. Portfolio Summary
MetLife Resources Gold Track Select Portfolio Summary Read below and learn more about the underlying funding choices available in the Gold Track Select variable annuity. (Within each asset class, funding
More informationGuaranteed Income for Life (GIFL) Rollover Variable Annuity IRA
Guaranteed Income for Life (GIFL) Rollover Variable Annuity IRA Exclusively available for 401(k) plan participants with the John Hancock Guaranteed Income for Life in-plan benefit Annuity contracts are
More informationRiverSource Variable Universal Life IV RiverSource Variable Universal Life IV Estate Series
April 29, 2013 RiverSource Variable Universal Life IV RiverSource Variable Universal Life IV Estate Series This wrapper contains: Combined prospectus for RiverSource» Variable Universal Life IV and RiverSource»
More informationMake the Most of Your Retirement Plan: The University System of Georgia Optional Retirement Plan Enrollment Guide
Make the Most of Your Retirement Plan: The University System of Georgia Optional Retirement Plan Enrollment Guide Table of Contents The University System of Georgia Optional Retirement Plan: Enrollment
More informationCHOOSING YOUR INVESTMENTS
CHOOSING YOUR INVESTMENTS FOR ASSISTANCE CONTACT US TODAY FOR MORE INFORMATION, ADVICE OR HELP OPENING AN ACCOUNT, IT S EASY TO REACH US: BY PHONE Call us at 800 TIAA-CREF (800 842-2273) to speak with
More informationWorkplace Education Series. Building a Portfolio for Any Weather
Building a Portfolio for Any Weather The Retirement Savings Series Part 1: Getting on the Right Path with Your Workplace Savings Understand the many advantages of saving at the workplace Find money in
More informationAll Canyon Resources Employees REMINDER ABOUT THE 4O1(K) PLAN AND SUMMARY OF RECENT CHANGES
TO: RE: All Canyon Resources Employees REMINDER ABOUT THE 4O1(K) PLAN AND SUMMARY OF RECENT CHANGES WHAT IS THE 401(k) PLAN? The 401(k) plan is designed to help you save for your retirement. You decide
More informationEQUI-VEST. Series 100/200 Variable Annuities
EQUIVEST Annualized Rates of Return as of 12/31/2013, Annualized Monthly Rates of Return For the Period Ending 12/31/2013 net of annual administrative charge and the maximum applicable withdrawal charge
More informationAmeritas Life Insurance Corp. ("Ameritas Life") Ameritas Variable Separate Account V ("Separate Account")
Ameritas Life Insurance Corp. ("Ameritas Life") Ameritas Variable Separate Account V ("Separate Account") Supplement to: Overture Viva! Prospectus Dated May 1, 2007 and Statement of Additional Information
More information