| |
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amount which equals 10% of your Purchase Payments not yet withdrawn.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 5 years following each
Purchase Payment, you may be assessed a withdrawal
charge of up to 8%, as a percentage of each Purchase
Payment withdrawn.
For example, if you were to withdraw $100,000 during a withdrawal
charge period, you could be assessed a withdrawal charge
of up to $8,000 if your maximum withdrawal charge is 8%.
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 data 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 |
1.31% |
1.56% | ||
| Investment Options2
(Underlying Fund fees and expenses) |
0.46% |
1.85% | ||
| Optional Benefits Available for an
Additional Charge
(For a single optional benefit, if elected) |
0.25%3 |
2.70%4 | ||
| 1 As a percentage of the value in the Separate Account (includes a percentage attributable to the contract maintenance fee).
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 Income Base used to calculate the guaranteed benefit. This
represents the maximum rate for the most expensive
optional benefit. 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: $1,680 |
Highest Annual Cost: $4,437 | |||
| 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. |
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. |
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 |
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% |
| |
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 American Funds Asset Allocation Portfolio1 – Class 3
SunAmerica Asset Management, LLC
Capital Research and Management Company
|
0.80%* |
15.57% |
8.70% |
9.48% |
| |
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% |
| Bond |
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% |
| 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 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% |
| |
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% |
| 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 |
Invesco V.I. American Franchise Fund – Series II Invesco Advisers, Inc. |
1.10% |
11.39% |
10.08% |
14.58% |
| |
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 Growth and Income Portfolio – Class VC Lord, Abbett & Co. LLC |
0.93% |
17.29% |
13.35% |
11.12% |
| |
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% |
| |
SA American Funds Global Growth Portfolio1 – Class 3
SunAmerica Asset Management, LLC
Capital Research and Management Company
|
0.95%* |
21.35% |
7.94% |
11.86% |
| |
SA American Funds Growth Portfolio1 – Class 3
SunAmerica Asset Management, LLC
Capital Research and Management Company
|
0.85%* |
19.91% |
13.07% |
17.65% |
| |
SA American Funds Growth-Income Portfolio1 – Class 3
SunAmerica Asset Management, LLC
Capital Research and Management Company
|
0.82%* |
17.67% |
13.57% |
13.59% |
| |
SA BlackRock Advantage International Portfolio3 – Class 3
SunAmerica Asset Management, LLC
BlackRock Investment Management, LLC3 |
1.12%* |
20.99% |
5.23% |
6.11% |
| |
SA Fidelity Institutional AM Global Equities Portfolio4 – Class 3
SunAmerica Asset Management, LLC
FIAM LLC4 |
1.07%* |
21.87% |
13.53% |
11.10% |
| |
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% |
| 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 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 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 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 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 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 American Funds VCP Managed Allocation Portfolio1 – Class 3
SunAmerica Asset Management, LLC
Capital Research and Management Company
|
1.15%* |
10.83% |
7.40% |
7.96% |
| |
SA Schroders VCP Global Allocation Portfolio – Class 3 SunAmerica Asset Management, LLC Schroder Investment Management North America |
1.16%* |
12.32% |
5.73% |
N/A |
| |
SA T. Rowe Price VCP Balanced Portfolio – Class 3 SunAmerica Asset Management, LLC T. Rowe Price Associates, Inc. |
1.09% |
15.97% |
6.81% |
N/A |
| |
SA VCP Dynamic Allocation Portfolio – Class 3 SunAmerica Asset Management, LLC AllianceBernstein L.P. |
1.01% |
11.13% |
5.34% |
7.51% |
| |
SA VCP Dynamic Strategy Portfolio – 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% |
| 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
PIMCO Total Return
SA American Century Inflation Managed
SA American Funds VCP Managed Allocation*
SA Federated Hermes Corporate Bond
SA Fixed Income Index
SA Fixed Income Intermediate Index
SA Goldman Sachs Government and Quality Bond
SA JPMorgan MFS Core Bond
SA JPMorgan Ultra-Short Bond
SA PIMCO Global Bond Opportunities
SA Schroders VCP Global Allocation*
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. |
| 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
PIMCO Total Return
SA American Century Inflation Manged
SA American Funds VCP Managed Allocation*
SA Federated Hermes Corporate Bond
SA Fixed Income Index
SA Fixed Income Intermediate Index
SA Goldman Sachs Government and Quality Bond
SA JPMorgan MFS Core Bond
SA JPMorgan Ultra-Short Bond
SA PIMCO Global Bond Opportunities
SA Schroders VCP Global Allocation*
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. |
| 20% Secure Value Account |
80% 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 American Funds VCP Managed Allocation*
SA Federated Hermes Corporate Bond
SA Fixed Income Index
SA Fixed Income Intermediate Index
SA Goldman Sachs Government and Quality Bond
SA JPMorgan MFS Core Bond
SA JPMorgan Ultra-Short Bond
SA PIMCO Global Bond Opportunities
SA Schroders VCP Global Allocation*
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. |
| 20% Secure Value Account |
80% in one or more of the following Variable Portfolios: SA American Century Inflation Managed
SA American Funds VCP Managed Allocation*
SA Federated Hermes Corporate Bond
SA Fixed Income Index
SA Fixed Income Intermediate Index
SA Goldman Sachs Government and Quality Bond
SA JPMorgan MFS Core Bond
SA JPMorgan Ultra-Short Bond
SA PIMCO Global Bond Opportunities
SA Schroders VCP Global Allocation*
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 |
| Check-The-Box
Option 1 |
90% in one of the three available Allocations*: Allocation 1, 2 or
3 *Please see POLARIS PORTFOLIO ALLOCATOR PROGRAM AND 50%-50% COMBINATION MODEL PROGRAM FOR CONTRACTS ISSUED PRIOR TO FEBRUARY 6, 2017 later in this Appendix for the allocations for the formerly available Polaris Portfolio Allocator Models. |
| Check-The-Box
Option 2 |
90% in one or more of the following
Variable Portfolios: Franklin Income VIP
Fund SA Allocation Balanced
SA Allocation Moderate
SA Allocation Moderately Aggressive
SA American Funds Asset Allocation
SA JPMorgan Diversified Balanced
SA MFS Total Return
SA VCP Dynamic Allocation
SA VCP Dynamic Strategy |
| Check-The-Box Option 3 |
90% in the SA JPMorgan Ultra-Short Bond |
| Investment
Group |
Investment
Requirement |
Variable Portfolios
and/or DCA Fixed Accounts |
| A. Bond,
Cash and
DCA Fixed
Accounts |
Minimum 20%
Maximum 90% |
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 |
| Investment
Group |
Investment
Requirement |
Variable Portfolios
and/or DCA Fixed Accounts |
| B. Equity** |
Minimum 0%
Maximum 70% |
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
SA AB Growth
SA AB Small & Mid Cap Value
SA Allocation Aggressive
SA Allocation Balanced
SA Allocation Moderate
SA Allocation Moderately
Aggressive
SA American Funds Asset
Allocation
SA American Funds Global
Growth
SA American Funds Growth
SA American Funds
Growth-Income
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 VCP Dynamic Strategy SA Wellington Capital Appreciation |
| C. Limited
Equity |
Minimum 0%
Maximum 10% |
SA American Funds VCP Managed Allocation SA Fidelity Institutional AM Real Estate SA Franklin Small Company Value SA Invesco Growth Opportunities SA JPMorgan Emerging Markets |
| Check-the-Box
Option 1 |
90% in one of the three available Allocations*: Allocation 1, 2 or
3 *Please see POLARIS PORTFOLIO ALLOCATOR PROGRAM AND 50%-50% COMBINATION MODEL PROGRAM FOR CONTRACTS ISSUED PRIOR TO FEBRUARY 6, 2017 later in this Appendix for the allocations for the formerly available Polaris Portfolio Allocator Models. |
| Check-the-Box
Option 2 |
90% in one or more of the following Variable Portfolios: Franklin Income VIP Fund
SA Allocation Balanced
SA Allocation Moderate
SA Allocation Moderately Aggressive
SA American Funds Asset Allocation
SA JPMorgan Diversified Balanced
SA MFS Total Return SA VCP Dynamic Allocation SA VCP Dynamic Strategy |
| Check-the-Box
Option 3 |
90% in the SA JPMorgan Ultra-Short Bond |
| Investment
Group |
Investment
Requirement |
Variable Portfolios
and/or DCA Fixed Accounts |
| A. Bond,
Cash and
DCA Fixed
Accounts |
Minimum 20%
Maximum 90% |
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 |
| Investment
Group |
Investment
Requirement |
Variable Portfolios
and/or DCA Fixed Accounts |
| B. Equity** |
Minimum 0%
Maximum 70% |
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
SA AB Growth
SA AB Small & Mid Cap Value
SA Allocation Aggressive
SA Allocation Balanced
SA Allocation Moderate
SA Allocation Moderately
Aggressive
SA American Funds Asset
Allocation
SA American Funds Global
Growth
SA American Funds Growth
SA American Funds
Growth-Income
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 VCP Dynamic Strategy SA Wellington Capital Appreciation |
| C. Limited
Equity |
Minimum 0%
Maximum 10% |
SA American Funds VCP Managed Allocation SA Fidelity Institutional AM Real Estate SA Franklin Small Company Value SA Invesco Growth Opportunities SA JPMorgan Emerging Markets |
| Variable Portfolios |
Allocation
1 |
Allocation
2 |
Allocation
3 |
Allocation
4 |
| Invesco V.I. Comstock Fund |
5.00% |
5.00% |
6.00% |
8.00% |
| Invesco V.I. Growth and
Income Fund |
6.00% |
7.00% |
8.00% |
8.00% |
| SA AB Growth |
3.00% |
4.00% |
4.00% |
6.00% |
| SA AB Small & Mid Cap
Value |
1.00% |
1.00% |
1.00% |
2.00% |
| SA American Century
Inflation Managed
Protection |
5.00% |
3.00% |
2.00% |
0.00% |
| SA American Funds Global
Growth |
2.00% |
3.00% |
4.00% |
6.00% |
| SA American Funds
Growth-Income |
0.00% |
0.00% |
1.00% |
4.00% |
| SA BlackRock Advantage
International |
3.00% |
3.00% |
4.00% |
5.00% |
| SA Federated Hermes
Corporate Bond |
10.00% |
8.00% |
7.00% |
1.00% |
| Variable Portfolios |
Allocation
1 |
Allocation
2 |
Allocation
3 |
Allocation
4 |
| SA Fidelity Institutional AM
Real Estate |
0.00% |
0.00% |
0.00% |
1.00% |
| SA Franklin BW U.S. Large
Cap Value |
4.00% |
4.00% |
4.00% |
5.00% |
| SA Franklin Small Company
Value |
0.00% |
2.00% |
2.00% |
1.00% |
| SA Franklin Systematic
U.S. Large Cap Value |
3.00% |
3.00% |
3.00% |
5.00% |
| SA Goldman Sachs
Government and Quality
Bond |
8.00% |
8.00% |
7.00% |
2.00% |
| SA Janus Focused Growth |
0.00% |
1.00% |
1.00% |
2.00% |
| SA JPMorgan Emerging
Markets |
0.00% |
1.00% |
2.00% |
2.00% |
| SA JPMorgan Equity-Income |
6.00% |
7.00% |
8.00% |
8.00% |
| SA JPMorgan Large Cap
Core |
3.00% |
4.00% |
4.00% |
6.00% |
| SA JPMorgan MFS Core
Bond |
17.00% |
13.00% |
10.00% |
5.00% |
| SA JPMorgan Ultra-Short
Bond |
2.00% |
1.00% |
0.00% |
0.00% |
| SA MFS Large Cap Growth |
2.00% |
3.00% |
4.00% |
4.00% |
| SA MFS Massachusetts
Investors Trust |
6.00% |
6.00% |
7.00% |
8.00% |
| SA PIMCO Global Bond
Opportunities |
4.00% |
4.00% |
2.00% |
2.00% |
| SA PIMCO RAE International
Value |
3.00% |
3.00% |
3.00% |
4.00% |
| SA PineBridge High-Yield
Bond |
4.00% |
3.00% |
2.00% |
0.00% |
| SA Wellington Capital
Appreciation |
3.00% |
3.00% |
4.00% |
5.00% |
| Total |
100% |
100% |
100% |
100% |