| |
FEES AND EXPENSES |
Location in
Prospectus | ||
| Are There
Charges or
Adjustments for
Early
Withdrawals? |
Yes.
You may be subject to charges for early withdrawals. Withdrawal
charges do not apply to certain withdrawals including
the withdrawal up to the annual penalty-free withdrawal
amount which equals 10% of your Purchase Payments not yet withdrawn.
If you withdraw money from your contract within 7 years following each Purchase Payment,
you may be assessed a withdrawal charge of up to 6% as a percentage of each Purchase
Payment withdrawn. The maximum withdrawal charge ranges from 6% to
2.25% depending on the total Purchase Payments you
invest. For example, if you were to withdraw $100,000
during a withdrawal charge period, you could be assessed
a withdrawal charge of up to $6,000 if your maximum
withdrawal charge is 6% or $2,250 if your maximum
withdrawal charge is 2.25%. This loss will be greater if
there are federal and state income taxes or
tax-penalties. |
Expenses –
Withdrawal
Charges | ||
| Are There
Transaction
Charges? |
Yes, in addition to withdrawal charges, you may be charged for other transactions. You will
be charged for each transfer after 15 transfers in any contract year
during the Accumulation Phase. There may also be taxes on Purchase Payments.
|
Expenses | ||
| Are There
Ongoing Fees and
Expenses? |
Yes.
The table below describes the current fees and expenses of the
contract that you may pay each
year, depending on the investment options and optional benefits you choose. Please
refer to your contract specifications page for information about the
specific fees you will pay each year based on the
options you have elected. |
Expenses | ||
| Annual Fee |
Minimum |
Maximum | ||
| Base Contract1 |
1.12%
|
1.12%
| ||
| Investment Options2
(Underlying Fund fees and expenses) |
0.46%
|
1.58%
| ||
| Optional Benefits Available for an
Additional Charge
(For a single optional benefit, if elected) |
0.25%
3 |
1.60%
4 | ||
| 1 As a percentage of the value in the Separate Account (includes a percentage attributable
to the contract maintenance fee and the Premium Based Charge).
2 As a percentage of Underlying Fund net
assets. 3 As a percentage of the average daily ending net
asset value allocated to the Variable Portfolios.
4 As a percentage of the Purchase Payments reduced
by the Adjustment Factor. This represents the maximum
initial rate for the most expensive optional benefit currently available.
Because your contract is customizable, the choices you make affect how
much you will pay. To help you understand the cost of
owning your contract, the following table shows the
lowest and highest cost you could pay each year, based on current
charges. This estimate assumes that you do not take
withdrawals from the contract, which could add withdrawal
charges that substantially increase costs. |
||||
| Lowest Annual Cost: $1,548 |
Highest Annual Cost: $4,308 | |||
| Assumes:
•Investment of $100,000 •5% annual appreciation
•Least expensive Underlying Fund fees and expenses •No optional benefits
•No withdrawal charges •No additional Purchase Payments,
transfers, or withdrawals |
Assumes:
•Investment of $100,000 •5% annual appreciation
•Most expensive combination of optional benefits and Underlying Fund fees and expenses •No withdrawal charges
•No additional Purchase Payments, transfers, or withdrawals | |||
| |
RISKS |
Location in
Prospectus | ||
| Is There a Risk of
Loss from Poor
Performance? |
Yes. You can lose money by investing in this contract, including possible loss of your
principal investment. |
Principal Risks of Investing in the Contract | ||
| Is this a
Short-Term
Investment? |
No.
•This contract is not designed for short-term investing and may not be appropriate for an
investor who needs ready access to cash. As such, you should not use
the contract as a short-term investment or savings
vehicle. •Charges may apply to withdrawals. Withdrawal charges could significantly reduce the
value of your investment or the amount that you receive upon taking a
withdrawal. Withdrawals may also reduce or terminate
contract guarantees and may also be subject to state and
federal income taxes and tax-penalties. •The benefits of tax deferral, long-term income, and optional
Living Benefit guarantees
mean that this contract is generally more beneficial to investors with
a long investment time horizon. | |||
| What are the
Risks Associated
with the
Investment
Options? |
•An investment in this contract is subject to the risk of poor investment performance and
can vary depending on the performance of the investment options
available under the contract.
•Each investment option (including each Fixed Account option) has its own unique risks. •You should review the available investment options before
making an investment decision. | |||
| What are the
Risks Related to
the Insurance
Company? |
An investment in the contract is subject to the risks related to us,
American General Life Insurance Company. Any obligations (including under a Fixed
Account option), guarantees, and benefits of the
contract are subject to our claims-paying ability. An Owner should look solely to our financial strength for our claims-paying ability. More information about the
Company, including our financial strength ratings, may be obtained at
https://investors.corebridgefinancial.com/financials/Ratings/default.aspx
. | |||
| |
RESTRICTIONS |
Location in
Prospectus | ||
| Are There Limits
on the Investment
Options? |
Yes.
Transfer Restrictions.
•During the Accumulation Phase, you must transfer at least $100 per transfer between any
of the Variable Portfolios and/or any available Fixed Accounts. If
less than $100 remains in any Variable Portfolio or
Fixed Account after a transfer, that amount must be
transferred as well. Funds already in your contract cannot be
transferred to the DCA Fixed Account, if available. A transfer request will be priced as
of the day it is received before Market Close. If the transfer request is received after Market
Close, the request will be priced as of the next NYSE business day.
•During the Income Phase, only one transfer per month is permitted between the Variable
Portfolios. No other transfers are allowed during the Income Phase.
Transfers will be effected for the last NYSE business
day of the month in which we receive your request for
the transfer. You may not use the DCA Program or the Automatic Asset
Rebalancing Program during the Income
Phase. •Your transfers between the Variable Portfolios are subject to policies designed to deter
frequent and short-term trading.
Investment Restrictions. If you elect an optional Living Benefit, not all investment options may be available and you must invest in accordance with the applicable investment
requirements. You may be required to invest a certain percentage of
your contract value in a certain investment option,
including the Secure Value Account which is only
available with certain option Living Benefits. We
reserve the right to modify the investment requirements
in the future. If you do not elect any optional benefit, or if the only optional benefit you elect is a death benefit, your contract is not subject to investment
requirements.
Availability of Variable Portfolios. We may, subject to any applicable law, make certain changes to the Variable Portfolios offered in your contract. We may offer new Variable
Portfolios or stop offering existing Variable Portfolios. New Variable
Portfolios may be made available to existing contract
Owners, and Variable Portfolios may be closed to new or
subsequent Purchase Payments, transfers or allocations. In addition, we may also liquidate the shares of any Variable Portfolio, substitute the shares of one Underlying
Fund held by a Variable Portfolio for another and/or merge Variable
Portfolios or cooperate in a merger of Underlying Funds.
To the extent required by the Investment Company Act of
1940, as amended, we may be required to obtain SEC approval or your approval. The availability of investment options may vary depending on the broker-dealer through
which the contract is sold. See APPENDIX J - BROKER-DEALER
VARIATIONS in the prospectus for additional information. |
Investment
Options | ||
| Are There Any
Restrictions on
Contract Benefits? |
Yes.
•There are restrictions and limitations relating to the benefits offered under the contract
(e.g., death benefits, Living Benefits, DCA Fixed Account, DCA
Program, Automatic Asset Rebalancing Program, Systematic
Withdrawal Program, Automatic Payment Plan).
•We reserve the right to modify or terminate the DCA Program, Automatic Asset
Rebalancing Program, Systematic Withdrawal Program, and Automatic
Payment Plan. •Withdrawals that exceed limits specified by the terms of a benefit may reduce the value of
the benefit by an amount greater than the value withdrawn and could
terminate the benefit. •The availability of contract benefits may vary depending
on the broker-dealer through which the contract is sold.
See APPENDIX J -
BROKER-DEALER VARIATIONS in the prospectus for additional information. |
Optional Living
Benefit Death Benefits | ||
| |
TAXES |
| ||
| What are the
Contract’s Tax
Implications? |
•You should consult with a tax professional to determine the tax implications of an
investment in and payments received under the contract.
•If you purchase the contract through a tax-qualified plan or individual retirement account
(IRA), there is no additional tax benefit under the
contract. •Earnings under your contract are taxed at ordinary income tax rates when withdrawn.
You may have to pay a tax penalty if you take a withdrawal before age
59½. |
Taxes | ||
| |
CONFLICTS OF INTEREST |
Location in
Prospectus | ||
| How Are
Investment
Professionals
Compensated? |
Your financial representative may receive compensation for selling
this contract to you in the form of commissions,
additional cash compensation, and/or non-cash compensation. We may share the revenue we earn on this contract with your financial representative’s firm.
Revenue sharing arrangements and commissions may provide selling firms
and/or their registered representatives with an
incentive to favor sales of our contracts over other
variable annuity contracts (or other investments) with respect to
which a selling firm does not receive the same level of
additional compensation. You should ask your financial
representative about how they are compensated. |
Payments in Connection with Distribution of the Contract | ||
| Should I
Exchange My
Contract? |
Some financial representatives may have a financial incentive to offer
you a new contract in place of the one you already own.
You should exchange a contract you already own only if
you determine, after comparing the features, fees, and risks of both
contracts, that it is better for you to purchase the new
contract rather than continue to own your existing
contract. | |||
| Type |
Underlying Fund – Share Class
Advisor
Subadvisor (if applicable) |
Current
Expenses |
Average Annual Total Returns
(as of 12/31/2025) | ||
| 1 Year |
5 Year |
10 Year | |||
| Asset
Allocation |
American Funds Asset Allocation Fund – Class 21
Capital
Research and Management Company |
0.54% |
15.85% |
8.97% |
9.77% |
| |
American Funds Asset Allocation Fund – Class 4 Capital Research and Management Company |
0.79% |
15.59% |
8.70% |
9.50% |
| |
American Funds Capital Income Builder – Class 4 Capital Research and Management Company |
0.78%* |
20.16% |
8.82% |
7.32% |
| |
Franklin Allocation VIP Fund – Class 2 Franklin Advisers, Inc. |
0.82%* |
12.60% |
5.73% |
7.32% |
| |
Franklin Income VIP Fund – Class 2 Franklin Advisers, Inc. |
0.72% |
12.56% |
7.66% |
7.30% |
| |
Invesco V.I. Equity and Income Fund – Series II Invesco Advisers, Inc. |
0.82% |
12.52% |
8.68% |
8.64% |
| |
MFS Growth Allocation Portfolio – Service Class Massachusetts Financial Services Company |
1.05% |
11.87% |
5.93% |
8.95% |
| |
SA Allocation Aggressive Portfolio – Class 3 SunAmerica Asset Management, LLC |
1.03%* |
15.84% |
8.05% |
9.34% |
| |
SA Allocation Balanced Portfolio – Class 3 SunAmerica Asset Management, LLC |
1.00%* |
10.96% |
3.91% |
5.79% |
| |
SA Allocation Moderate Portfolio – Class 3 SunAmerica Asset Management, LLC |
1.01%* |
12.52% |
5.48% |
7.20% |
| |
SA Allocation Moderately Aggressive Portfolio – Class 3 SunAmerica Asset Management, LLC |
1.01%* |
14.13% |
6.52% |
8.07% |
| |
SA BlackRock Multi-Factor 70/30 Portfolio – Class 3 SunAmerica Asset Management, LLC BlackRock Investment Management, LLC |
0.76%* |
14.00% |
6.55% |
N/A |
| |
SA Franklin Allocation Moderately Aggressive Portfolio – Class 3 SunAmerica Asset Management, LLC Franklin Advisers, Inc. |
1.14%* |
17.57% |
10.49% |
10.11% |
| |
SA Franklin Tactical Opportunities Portfolio – Class 3 SunAmerica Asset Management, LLC Franklin Advisers, Inc. |
1.07%* |
15.14% |
8.17% |
N/A |
| |
SA Global Index Allocation 60/40 Portfolio – Class 3 SunAmerica Asset Management, LLC |
0.80%* |
15.33% |
5.96% |
N/A |
| |
SA Global Index Allocation 75/25 Portfolio – Class 3 SunAmerica Asset Management, LLC |
0.81%* |
17.73% |
7.35% |
N/A |
| |
SA Global Index Allocation 90/10 Portfolio – Class 3 SunAmerica Asset Management, LLC |
0.77% |
20.04% |
8.81% |
N/A |
| Type |
Underlying Fund – Share Class
Advisor
Subadvisor (if applicable) |
Current
Expenses |
Average Annual Total Returns
(as of 12/31/2025) | ||
| 1 Year |
5 Year |
10 Year | |||
| Asset
Allocation
(continued) |
SA Goldman Sachs Multi-Asset Insights Portfolio – Class 3 SunAmerica Asset Management, LLC Goldman Sachs Asset Management, L.P. |
1.11%* |
18.82% |
8.55% |
N/A |
| |
SA Index Allocation 60/40 Portfolio – Class 3 SunAmerica Asset Management, LLC |
0.71% |
13.13% |
6.99% |
N/A |
| |
SA Index Allocation 80/20 Portfolio – Class 3 SunAmerica Asset Management, LLC |
0.69% |
15.51% |
9.25% |
N/A |
| |
SA Index Allocation 90/10 Portfolio – Class 3 SunAmerica Asset Management, LLC |
0.69% |
17.19% |
10.39% |
N/A |
| |
SA JPMorgan Diversified Balanced Portfolio – Class 3 SunAmerica Asset Management, LLC J.P. Morgan Investment Management Inc. |
0.99%* |
12.65% |
5.80% |
7.27% |
| |
SA MFS Total Return Portfolio – Class 3 SunAmerica Asset Management, LLC Massachusetts Financial Services Company |
0.96% |
10.69% |
6.03% |
7.26% |
| |
SA T. Rowe Price Allocation Moderately Aggressive Portfolio – Class 3 SunAmerica Asset Management, LLC T. Rowe Price Associates, Inc. |
1.00% |
15.39% |
8.22% |
N/A |
| |
SA Wellington Strategic Multi-Asset Portfolio – Class 3 SunAmerica Asset Management, LLC Wellington Management Company LLP |
1.06%* |
14.09% |
5.60% |
7.17% |
| Bond |
American Funds Capital World Bond Fund – Class 4 Capital Research and Management Company |
0.98% |
9.03% |
-2.76% |
0.97% |
| |
American Funds The Bond Fund of America – Class 4 Capital Research and Management Company |
0.73%* |
6.98% |
-0.38% |
2.11% |
| |
Franklin Strategic Income VIP Fund – Class 2 Franklin Advisers, Inc. |
1.07%* |
7.24% |
1.92% |
3.10% |
| |
Lord Abbett Bond Debenture Portfolio – Class VC Lord, Abbett & Co. LLC |
0.98% |
8.32% |
2.09% |
4.72% |
| |
Lord Abbett Total Return Portfolio – Class VC Lord, Abbett & Co. LLC |
0.71% |
7.19% |
0.07% |
2.28% |
| |
PIMCO Emerging Markets Bond Portfolio – Advisor Class Pacific Investment Management Company, LLC |
1.27% |
14.86% |
2.34% |
4.96% |
| |
PIMCO Total Return Portfolio – Advisor Class Pacific Investment Management Company, LLC |
0.83% |
8.78% |
-0.08% |
2.26% |
| |
SA American Century Inflation Managed Portfolio – Class 3 SunAmerica Asset Management, LLC American Century Investment Management, Inc. |
0.85% |
6.21% |
0.63% |
2.06% |
| |
SA Federated Hermes Corporate Bond Portfolio – Class 3 SunAmerica Asset Management, LLC Federated Investment Management Company |
0.80% |
6.78% |
0.15% |
3.46% |
| |
SA Fixed Income Index Portfolio – Class 3 SunAmerica Asset Management, LLC BlackRock Investment Management, LLC |
0.59%* |
6.05% |
-0.84% |
N/A |
| |
SA Fixed Income Intermediate Index Portfolio – Class 3 SunAmerica Asset Management, LLC BlackRock Investment Management, LLC |
0.59%* |
6.04% |
0.72% |
N/A |
| |
SA Goldman Sachs Government and Quality Bond Portfolio2
– Class 3
SunAmerica Asset Management, LLC
Goldman Sachs Asset Management L.P.2 |
0.84% |
6.31% |
-1.02% |
1.21% |
| |
SA JPMorgan MFS Core Bond Portfolio – Class 3 SunAmerica Asset Management, LLC J.P. Morgan Investment Management Inc. and Massachusetts
Financial Services Company |
0.78%* |
6.98% |
-0.17% |
2.19% |
| Type |
Underlying Fund – Share Class
Advisor
Subadvisor (if applicable) |
Current
Expenses |
Average Annual Total Returns
(as of 12/31/2025) | ||
| 1 Year |
5 Year |
10 Year | |||
| Bond
(continued) |
SA JPMorgan Ultra-Short Bond Portfolio – Class 3 SunAmerica Asset Management, LLC J.P. Morgan Investment Management Inc. |
0.80% |
4.39% |
2.20% |
1.45% |
| |
SA PIMCO Global Bond Opportunities Portfolio – Class 3 SunAmerica Asset Management, LLC Pacific Investment Management Company, LLC |
1.18%* |
8.72% |
-3.61% |
0.35% |
| |
SA PineBridge High-Yield Bond Portfolio – Class 3 SunAmerica Asset Management, LLC PineBridge Investments, LLC |
1.01% |
8.16% |
5.05% |
6.94% |
| |
Templeton Global Bond VIP Fund – Class 2 Franklin Advisers, Inc. |
0.75%* |
15.73% |
-0.96% |
-0.15% |
| Cash |
Goldman Sachs VIT Government Money Market Fund – Service Shares Goldman Sachs Asset Management, L.P. |
0.43%* |
3.94% |
2.98% |
1.90% |
| Stock |
American Funds EUPAC Fund3 – Class 4
Capital Research and Management Company
|
1.03% |
26.41% |
3.14% |
6.73% |
| |
American Funds Global Growth Fund – Class 21
Capital
Research and Management Company |
0.66%* |
21.63% |
8.23% |
12.17% |
| |
American Funds Global Growth Fund – Class 4 Capital Research and Management Company |
0.91%* |
21.34% |
7.97% |
11.89% |
| |
American Funds Growth Fund – Class 21
Capital
Research and Management Company |
0.59% |
20.23% |
13.37% |
17.97% |
| |
American Funds Growth Fund – Class 4 Capital Research and Management Company |
0.84% |
19.93% |
13.09% |
17.67% |
| |
American Funds Growth-Income Fund – Class 21
Capital
Research and Management Company |
0.53% |
18.06% |
13.90% |
13.92% |
| |
American Funds Growth-Income Fund – Class 4 Capital Research and Management Company |
0.78% |
17.77% |
13.62% |
13.63% |
| |
American Funds SMALLCAP World Fund4 – Class 4
Capital Research and Management Company
|
1.15%* |
14.33% |
0.23% |
6.96% |
| |
Franklin Mutual Global Discovery VIP Fund – Class 2 Franklin Advisers, Inc. |
1.16% |
23.34% |
12.00% |
8.52% |
| |
Franklin Rising Dividends VIP Fund – Class 2 Franklin Advisers, Inc. |
0.89% |
11.80% |
9.50% |
12.10% |
| |
Invesco V.I. American Franchise Fund – Series II Invesco Advisers, Inc. |
1.10% |
11.39% |
10.08% |
14.58% |
| |
Invesco V.I. American Value Fund – Series II Invesco Advisers, Inc. |
1.14% |
20.76% |
17.56% |
12.01% |
| |
Invesco V.I. Comstock Fund – Series II Invesco Advisers, Inc. |
1.00% |
17.14% |
15.14% |
11.67% |
| |
Invesco V.I. Growth and Income Fund – Series II Invesco Advisers, Inc. |
1.00% |
15.30% |
12.56% |
10.46% |
| |
Lord Abbett Developing Growth Portfolio5 – Class VC
Lord, Abbett & Co. LLC |
1.04%* |
14.59% |
-1.17% |
11.02% |
| |
Lord Abbett Growth and Income Portfolio – Class VC Lord, Abbett & Co. LLC |
0.93% |
17.29% |
13.35% |
11.12% |
| |
Lord Abbett Mid Cap Stock Portfolio – Class VC Lord, Abbett & Co. LLC |
1.15% |
7.05% |
10.15% |
7.97% |
| |
SA AB Growth Portfolio – Class 3 SunAmerica Asset Management, LLC AllianceBernstein L.P. |
0.88% |
12.79% |
11.67% |
15.85% |
| |
SA AB Small & Mid Cap Value Portfolio – Class 3 SunAmerica Asset Management, LLC AllianceBernstein L.P. |
1.16%* |
2.32% |
8.36% |
8.27% |
| Type |
Underlying Fund – Share Class
Advisor
Subadvisor (if applicable) |
Current
Expenses |
Average Annual Total Returns
(as of 12/31/2025) | ||
| 1 Year |
5 Year |
10 Year | |||
| Stock
(continued) |
SA BlackRock Advantage International Portfolio6 – Class 3
SunAmerica Asset Management, LLC
BlackRock Investment Management, LLC6 |
1.12%* |
20.99% |
5.23% |
6.11% |
| |
SA Emerging Markets Equity Index Portfolio – Class 3 SunAmerica Asset Management, LLC BlackRock Investment Management, LLC |
0.83%* |
32.65% |
3.13% |
N/A |
| |
SA Fidelity Institutional AM Global Equities Portfolio7 – Class 3
SunAmerica Asset Management, LLC
FIAM LLC7 |
1.07%* |
21.87% |
13.53% |
11.10% |
| |
SA Fidelity Institutional AM International Growth Portfolio – Class 3 SunAmerica Asset Management, LLC FIAM LLC |
1.14%* |
18.00% |
5.76% |
N/A |
| |
SA Fidelity Institutional AM Real Estate Portfolio – Class 3 SunAmerica Asset Management, LLC FIAM LLC |
1.10% |
1.25% |
4.65% |
5.18% |
| |
SA Franklin BW U.S. Large Cap Value Portfolio – Class 3 SunAmerica Asset Management, LLC Brandywine Global Investment Management, LLC |
0.95%* |
16.83% |
13.57% |
11.32% |
| |
SA Franklin Small Company Value Portfolio – Class 3 SunAmerica Asset Management, LLC Franklin Mutual Advisers, LLC |
1.25%* |
6.14% |
8.32% |
9.41% |
| |
SA Franklin Systematic U.S. Large Cap Core Portfolio – Class 3 SunAmerica Asset Management, LLC Franklin Advisers, Inc. |
0.79% |
18.02% |
15.11% |
N/A |
| |
SA Franklin Systematic U.S. Large Cap Value Portfolio – Class 3 SunAmerica Asset Management, LLC Franklin Advisers, Inc. |
0.89% |
16.68% |
11.52% |
12.31% |
| |
SA International Index Portfolio – Class 3 SunAmerica Asset Management, LLC BlackRock Investment Management, LLC |
0.75% |
30.60% |
8.18% |
N/A |
| |
SA Invesco Growth Opportunities Portfolio – Class 3 SunAmerica Asset Management, LLC Invesco Advisers, Inc. |
1.07% |
5.92% |
-0.96% |
8.86% |
| |
SA Janus Focused Growth Portfolio – Class 3 SunAmerica Asset Management, LLC Janus Capital Management, LLC |
1.05%* |
18.04% |
11.40% |
15.34% |
| |
SA JPMorgan Emerging Markets Portfolio – Class 3 SunAmerica Asset Management, LLC J.P. Morgan Investment Management Inc. |
1.41%* |
36.00% |
4.37% |
8.15% |
| |
SA JPMorgan Equity-Income Portfolio – Class 3 SunAmerica Asset Management, LLC J.P. Morgan Investment Management Inc. |
0.84% |
14.31% |
10.52% |
10.81% |
| |
SA JPMorgan Large Cap Core Portfolio – Class 3 SunAmerica Asset Management, LLC J.P. Morgan Investment Management Inc. |
0.94%* |
14.15% |
12.71% |
12.44% |
| |
SA JPMorgan Mid-Cap Growth Portfolio – Class 3 SunAmerica Asset Management, LLC J.P. Morgan Investment Management Inc. |
1.02%* |
7.86% |
3.99% |
11.89% |
| |
SA Large Cap Growth Index Portfolio – Class 3 SunAmerica Asset Management, LLC BlackRock Investment Management, LLC |
0.60% |
21.51% |
14.35% |
N/A |
| |
SA Large Cap Index Portfolio – Class 3 SunAmerica Asset Management, LLC BlackRock Investment Management, LLC |
0.50%* |
17.27% |
13.83% |
14.18% |
| Type |
Underlying Fund – Share Class
Advisor
Subadvisor (if applicable) |
Current
Expenses |
Average Annual Total Returns
(as of 12/31/2025) | ||
| 1 Year |
5 Year |
10 Year | |||
| Stock
(continued) |
SA Large Cap Value Index Portfolio – Class 3 SunAmerica Asset Management, LLC BlackRock Investment Management, LLC |
0.60%* |
12.57% |
12.28% |
N/A |
| |
SA MFS Large Cap Growth Portfolio – Class 3 SunAmerica Asset Management, LLC Massachusetts Financial Services Company |
0.93% |
16.39% |
14.85% |
15.87% |
| |
SA MFS Massachusetts Investors Trust Portfolio – Class 3 SunAmerica Asset Management, LLC Massachusetts Financial Services Company |
0.95%* |
13.52% |
11.20% |
12.37% |
| |
SA Mid Cap Index Portfolio – Class 3 SunAmerica Asset Management, LLC BlackRock Investment Management, LLC |
0.62% |
6.76% |
8.39% |
N/A |
| |
SA PIMCO RAE International Value Portfolio – Class 3 SunAmerica Asset Management, LLC Pacific Investment Management Company, LLC |
1.09%* |
35.91% |
10.00% |
5.99% |
| |
SA Putnam International Value Portfolio – Class 3 SunAmerica Asset Management, LLC Putnam Investment Management, LLC |
1.18%* |
34.95% |
12.59% |
8.79% |
| |
SA Small Cap Index Portfolio – Class 3 SunAmerica Asset Management, LLC BlackRock Investment Management, LLC |
0.66%* |
12.04% |
5.28% |
N/A |
| |
SA Wellington Capital Appreciation Portfolio – Class 3 SunAmerica Asset Management, LLC Wellington Management Company LLP |
0.98% |
14.26% |
8.54% |
15.75% |
| Volatility
Control |
SA T. Rowe Price VCP Balanced Portfolio8 – Class 3
SunAmerica Asset Management, LLC
T. Rowe Price Associates, Inc. |
1.09% |
15.97% |
6.81% |
N/A |
| |
SA VCP Dynamic Allocation Portfolio8 – Class 3
SunAmerica Asset Management, LLC
AllianceBernstein L.P. |
1.01% |
11.13% |
5.34% |
7.51% |
| |
SA VCP Dynamic Strategy Portfolio8 – Class 3
SunAmerica Asset Management, LLC
AllianceBernstein L.P. |
1.03% |
10.89% |
5.66% |
7.19% |
| Name |
Terms |
Minimum Guaranteed Interest Rate |
| 1-Year Fixed Account |
1-Year |
1% |
| Dollar Cost Averaging Fixed Account |
6-Month, 12-Month, 2-Year* |
1% |
| Secure Value Account** |
1-Year |
1% |
| 20% Secure
Value Account |
80% in one or more of the following Variable Portfolios or DCA Fixed Accounts: American Funds Asset Allocation Goldman Sachs VIT Government Money Market Fund MFS Growth Allocation PIMCO Total Return SA Allocation Aggressive SA Allocation Balanced SA Allocation Moderate SA Allocation Moderately Aggressive SA American Century Inflation Managed SA BlackRock Multi-Factor 70/30 SA Federated Hermes Corporate Bond SA Fixed Income Index SA Fixed Income Intermediate Index SA Franklin Allocation Moderately Aggressive SA Franklin Tactical Opportunities SA Global Index Allocation 60/40 SA Global Index Allocation 75/25 SA Global Index Allocation 90/10 SA Goldman Sachs Government and Quality Bond SA Goldman Sachs Multi-Asset Insights SA Index Allocation 60/40 SA Index Allocation 80/20 SA Index Allocation 90/10 SA JPMorgan Diversified Balanced SA JPMorgan MFS Core Bond SA JPMorgan Ultra-Short Bond SA MFS Total Return SA PIMCO Global Bond Opportunities SA T. Rowe Price Allocation Moderately Aggressive SA Wellington Strategic Multi-Asset DCA Fixed Accounts*
6-Month DCA
1-Year DCA
*You may use a DCA Fixed Account to invest your target allocations in accordance with the investment requirements. |
| 20% Secure
Value Account |
80% in one or more of the following Variable Portfolios: American Funds Asset Allocation
Goldman Sachs VIT Government Money Market
Fund
MFS Growth Allocation
PIMCO Total Return
SA Allocation Balanced
SA Allocation Aggressive
SA Allocation Moderate
SA Allocation Moderately Aggressive
SA American Century Inflation Managed
SA BlackRock Multi-Factor 70/30
SA Federated Hermes Corporate Bond
SA Fixed Income Index
SA Fixed Income Intermediate Index
SA Franklin Allocation Moderately Aggressive
SA Franklin Tactical Opportunities
SA Global Index Allocation 60/40
SA Global Index Allocation 75/25
SA Global Index Allocation 90/10
SA Goldman Sachs Government and Quality Bond
SA Goldman Sachs Multi-Asset Insights
SA Index Allocation 60/40
SA Index Allocation 80/20
SA Index Allocation 90/10
SA JPMorgan Diversified Balanced
SA JPMorgan MFS Core Bond
SA JPMorgan Ultra-Short Bond
SA MFS Total Return
SA PIMCO Global Bond Opportunities
SA T. Rowe Price Asset Allocation Moderately
Aggressive
SA Wellington Strategic Multi-Asset
DCA Fixed Accounts* 6-Month DCA 1-Year DCA *You may use a DCA Fixed Account to invest your
target allocations in accordance with the investment
requirements. |
| 10% Secure
Value Account |
90% in one or more of the following Variable Portfolios: American Funds Asset Allocation
Goldman Sachs VIT Government Money Market
Fund
MFS Growth Allocation
PIMCO Total Return
SA Allocation Balanced
SA Allocation Aggressive
SA Allocation Moderate
SA Allocation Moderately Aggressive
SA American Century Inflation Managed
SA BlackRock Multi-Factor 70/30
SA Federated Hermes Corporate Bond
SA Fixed Income Index
SA Fixed Income Intermediate Index
SA Franklin Allocation Moderately Aggressive
SA Franklin Tactical Opportunities
SA Global Index Allocation 60/40
SA Global Index Allocation 75/25
SA Global Index Allocation 90/10
SA Goldman Sachs Government and Quality Bond
SA Goldman Sachs Multi-Asset Insights
SA Index Allocation 60/40
SA Index Allocation 80/20
SA Index Allocation 90/10
SA JPMorgan Diversified Balanced
SA JPMorgan MFS Core Bond
SA JPMorgan Ultra-Short Bond
SA MFS Total Return
SA PIMCO Global Bond Opportunities
SA T. Rowe Price Asset Allocation Moderately
Aggressive
SA Wellington Strategic Multi-Asset
DCA Fixed Accounts* 6-Month DCA 1-Year DCA *You may use a DCA Fixed Account to invest your
target allocations in accordance with the investment
requirements. |
| 10% Secure
Value Account |
90% in one or more of the following Variable Portfolios: American Funds Asset Allocation
Goldman Sachs VIT Government Money Market
Fund
MFS Growth Allocation
PIMCO Total Return
SA Allocation Aggressive
SA Allocation Moderate
SA Allocation Moderately Aggressive
SA American Century Inflation Managed
SA BlackRock Multi-Factor 70/30
SA Federated Hermes Corporate Bond
SA Fixed Income Index
SA Fixed Income Intermediate Index
SA Franklin Allocation Moderately Aggressive
SA Franklin Tactical Opportunities
SA Global Index Allocation 60/40
SA Global Index Allocation 75/25
SA Global Index Allocation 90/10
SA Goldman Sachs Government and Quality Bond
SA Goldman Sachs Multi-Asset Insights
SA Index Allocation 60/40
SA Index Allocation 80/20
SA Index Allocation 90/10
SA JPMorgan Diversified Balanced
SA JPMorgan MFS Core Bond
SA JPMorgan Ultra-Short Bond
SA MFS Total Return
SA PIMCO Global Bond Opportunities
SA T. Rowe Price Allocation Moderately
Aggressive
SA Wellington Strategic Multi-Asset |
| 1 |
10% Secure
Value Account |
90% SA VCP Dynamic Allocation |
| 2 |
10% Secure
Value Account |
90% in one or more of the following Variable Portfolios, except as otherwise noted: Goldman Sachs VIT Government Money Market
Fund
SA American Century Inflation Managed
SA Federated Hermes Corporate Bond
SA Goldman Sachs Government and Quality
Bond
SA JPMorgan MFS Core Bond
SA JPMorgan Ultra-Short Bond
SA PIMCO Global Bond Opportunities
SA T. Rowe Price VCP Balanced*
SA VCP Dynamic Allocation
SA VCP Dynamic Strategy*
*You may invest up to a maximum of 50% in each of these Variable Portfolios. |
| 1 |
Option 1 10% Secure
Value Account |
45% SA VCP Dynamic Allocation and
45% in one of three following allocations*: - Allocation
A - Allocation B
- Allocation C
*Please see the allocations for the formerly available Polaris Portfolio Allocator Models at the end of this Appendix. |
| 2 |
Option 2 10% Secure
Value Account |
90% in one or more of the following Variable Portfolios, except as otherwise noted: Goldman Sachs VIT
Government Money Market Fund
SA American Century Inflation Managed
SA Federated Hermes Corporate Bond
SA Goldman Sachs Government and Quality
Bond SA JPMorgan MFS Core Bond SA JPMorgan Ultra-Short Bond SA PIMCO Global Bond Opportunities SA T. Rowe Price VCP Balanced* SA VCP Dynamic Allocation *You may invest up to a maximum of 50% in each
of these Variable Portfolios. |
| Option |
Investment Options |
| Option 1 |
Invest 45% in the SA VCP Dynamic Allocation
Portfolio and 45% in the following Sample Portfolio: - Balanced Toward
Growth1
or
Invest 45% in the SA VCP Dynamic Allocation
Portfolio and 45% in one of the three following
Allocations*: - Allocation
A - Allocation B
- Allocation C
*Please see the allocations for the formerly available Polaris Portfolio Allocator Models at the end of this Appendix. |
| Option 2 |
Invest 90% in one or more of the following Variable Portfolios, except as otherwise noted: Goldman Sachs VIT Government Money Market Fund
SA American Century Inflation Managed
SA Federated Hermes Corporate Bond
SA Goldman Sachs Government and Quality Bond
SA JPMorgan MFS Core Bond
SA JPMorgan Ultra-Short Bond
SA PIMCO Global Bond Opportunities
SA T. Rowe Price VCP Balanced*
SA VCP Dynamic Allocation
*You may invest up to a maximum of 50% in each of these Variable Portfolios. |
| Option 1 |
Invest in one of three available Allocations*: Allocation A,
Allocation B or Allocation C or
Invest in one of three available Sample Portfolios: Balanced Growth &
Income1
Balanced Toward Growth
Growth Focus
*Please see the allocations for the formerly available Polaris Portfolio Allocator Models at the end of this Appendix. |
| Option 2 |
Invest in one or more of the following Variable
Portfolios, except as otherwise noted: American Funds Asset
Allocation Franklin Income VIP Fund
Goldman Sachs VIT Government Money Market Fund
SA JPMorgan Diversified Balanced SA MFS Total Return SA VCP Dynamic Allocation |
| Option 3 |
Invest in the SA JPMorgan Ultra-Short Bond Portfolio |
| Investment
Group |
Investment
Requirement |
Variable Portfolios
and/or Fixed Accounts |
| A. Bond, Cash
and Fixed
Accounts |
Minimum 20%
Maximum 90% |
Goldman Sachs VIT Government Money Market Fund SA American Century Inflation Managed SA Federated Hermes Corporate Bond SA Goldman Sachs Government and Quality Bond SA JPMorgan MFS Core Bond
SA JPMorgan Ultra-Short Bond
SA PIMCO Global Bond
Opportunities
DCA Fixed Accounts*
6-Month DCA
1-Year DCA
2-Year DCA
Fixed Accounts
1-Year Fixed (if available) |
| Investment
Group |
Investment
Requirement |
Variable Portfolios
and/or Fixed Accounts |
| B. Equity |
Minimum 0%
Maximum 70% |
American Funds Asset
Allocation
American Funds Capital World
Bond
American Funds Growth
American Funds Growth-Income
Franklin Allocation VIP Fund
Franklin Income VIP Fund
Invesco V.I. American Franchise
Fund
Invesco V.I. Comstock Fund
Invesco V.I. Growth and Income
Fund
Lord Abbett Growth and Income
Lord Abbett Mid Cap Stock
SA AB Growth
SA AB Small & Mid Cap Value
SA BlackRock Advantage
International SA Fidelity Institutional AM Global Equities SA Franklin BW U.S. Large Cap Value SA Franklin Systematic U.S. Large Cap Value SA Janus Focused Growth
SA JPMorgan Diversified
Balanced
SA JPMorgan Equity-Income SA JPMorgan Large Cap Core SA JPMorgan Mid-Cap Growth SA MFS Large Cap Growth SA MFS Massachusetts Investors Trust SA MFS Total Return SA PIMCO RAE International Value SA PineBridge High-Yield Bond
SA Putnam International Value
SA VCP Dynamic Allocation
SA Wellington Capital
Appreciation |
| C. Limited
Equity |
Minimum 0%
Maximum 10% |
SA Fidelity Institutional AM Real Estate SA Franklin Small Company Value
SA Invesco Growth
Opportunities
SA JPMorgan Emerging
Markets |
| Variable Portfolios |
Allocation A |
Allocation B |
Allocation C |
| American Funds Global Growth |
2.0% |
3.0% |
4.0% |
| American Funds Growth-Income |
0.0% |
0.0% |
1.0% |
| Invesco V.I. Comstock Fund |
5.0% |
5.0% |
6.0% |
| Invesco V.I. Growth and Income
Fund |
6.0% |
7.0% |
8.0% |
| SA AB Growth |
3.0% |
4.0% |
4.0% |
| SA AB Small & Mid Cap Value |
1.0% |
1.0% |
1.0% |
| SA American Century Inflation
Managed |
5.0% |
3.0% |
2.0% |
| SA BlackRock Advantage
International |
3.0% |
3.0% |
4.0% |
| SA Federated Hermes Corporate
Bond |
10.0% |
8.0% |
7.0% |
| SA Fidelity Institutional AM Real
Estate |
0.0% |
0.0% |
0.0% |
| SA Franklin BW U.S. Large Cap
Value |
4.0% |
4.0% |
4.0% |
| SA Franklin Small Company Value |
0.0% |
2.0% |
2.0% |
| SA Franklin Systematic U.S. Large
Cap Value |
3.0% |
3.0% |
3.0% |
| SA Goldman Sachs Government and
Quality Bond |
8.0% |
8.0% |
7.0% |
| SA Janus Focused Growth |
0.0% |
1.0% |
1.0% |
| SA JPMorgan Emerging Markets |
0.0% |
1.0% |
2.0% |
| SA JPMorgan Equity-Income |
6.0% |
7.0% |
8.0% |
| SA JPMorgan Large Cap Core |
3.0% |
4.0% |
4.0% |
| SA JPMorgan MFS Core Bond |
17.0% |
13.0% |
10.0% |
| SA JPMorgan Ultra-Short Bond |
2.0% |
1.0% |
0.0% |
| SA MFS Large Cap Growth |
2.0% |
3.0% |
4.0% |
| SA MFS Massachusetts Investors
Trust |
6.0% |
6.0% |
7.0% |
| SA PIMCO Global Bond
Opportunities |
4.0% |
4.0% |
2.0% |
| SA PIMCO RAE International
Value |
3.0% |
3.0% |
3.0% |
| SA PineBridge High-Yield Bond |
4.0% |
3.0% |
2.0% |
| SA Wellington Capital Appreciation |
3.0% |
3.0% |
4.0% |
| Total |
100% |
100% |
100% |