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Phoenix Wealth Management: Annuity Product Portfolio

Annuity Product Portfolio

Variable Products not available for new sales.

Phoenix provides an extensive portfolio of annuity products to financial advisors and their clients that are designed to address a range of retirement planning needs.

Fixed Indexed Annuities

click to expand or collaspe Phoenix Personal Income Annuity (Policy Form 10FIA)

Phoenix Personal Income Annuity is a single-premium indexed annuity that offers protection from market loss, a 10-year surrender charge period, and lifetime income via a choice of two optional guaranteed minimum withdrawal benefit riders2. It offers a fixed interest account and seven indexed accounts with index credits linked to the positive performance of two major market indices: S&P 500® and the CS Tactical Multi Asset™ Indices (accounts may vary based on state availability). Designed for investors who seek to benefit from the upside potential of the equity markets without risking loss of principal due to market downturns1, this product may be appropriate for individuals who:

  • Seek control and flexibility within a more conservative investment
  • Are concerned about the long-term effects of market volatility
  • Are looking for guaranteed lifetime retirement income
  • Need to rebalance their overall investment portfolios
  • Want to accumulate money for retirement on a tax-deferred basis

Product Disclosure Document

Rider Disclosure Document

An investment in the contract is subject to possible loss of principal and earnings, since a surrender charge and market value adjustment may apply to withdrawals or upon surrender of the contract.

Withdrawals are subject to ordinary income tax, and if taken prior to age 59½, a 10% tax penalty may also apply.

Non-Security Status Disclosure - These contracts have not been approved or disapproved by the Securities and Exchange Commission. The contracts are not registered under the Securities Act of 1933 and are offered and sold in reliance on an exemption therein. The Separate Accounts have not been registered under the Investment Company Act of 1940 and are offered and sold in reliance on an exemption therein.

click to expand or collaspe Phoenix Personal Protection Choice SM(Policy Form 10FIA)

Phoenix Personal Protection Choice is a single-premium indexed annuity that offers protection from market loss, a 10-year surrender charge period, and suite of optional riders2.

Income & Family Protection: Today or Tomorrow

  • Either rider guarantees withdrawals for life (choose based on anticipated timeframe) even after the entire contract value is withdrawn; also offers an enhanced death benefit (adjusted for withdrawals).

Income & Care Protection: Today or Tomorrow*

  • Either rider guarantees withdrawals for life (choose based on anticipated timeframe) even after the entire contract value is withdrawn; increases the amount of withdrawals in the event chronic care protection is required either in a nursing facility or in the home.

Income, Family & Care Protection: Today or Tomorrow*

  • Either rider guarantees withdrawals for life (choose based on anticipated timeframe) even after the entire contract value is withdrawn; increases the amount of withdrawals in the event chronic care protection is required either in a nursing facility or in the home. Also offers an enhanced death benefit (adjusted for withdrawals).

It features a fixed interest account and seven indexed accounts with index credits linked to the positive performance of two major market indices: S&P 500® and the CS Tactical Multi Asset™ Indices (accounts may vary based on state availability). Designed for investors who seek to benefit from the upside potential of the equity markets without risking loss of principal due to market downturns1, this product may be appropriate for individuals who:

  • Seek control and flexibility within a more conservative investment
  • Are concerned about the long-term effects of market volatility
  • Are looking for guaranteed lifetime retirement income
  • Need to rebalance their overall investment portfolios
  • Want to accumulate money for retirement on a tax-deferred basis

Product Disclosure Document

Rider Disclosure Documents

* Care Protection is not available in CA, CT, HI, PA, VA, WA

An investment in the contract is subject to possible loss of principal and earnings, since a surrender charge and market value adjustment may apply to withdrawals or upon surrender of the contract.

Withdrawals are subject to ordinary income tax, and if taken prior to age 59½, a 10% tax penalty may also apply.

Non-Security Status Disclosure - These contracts have not been approved or disapproved by the Securities and

Exchange Commission. The contracts are not registered under the Securities Act of 1933 and are offered and sold in reliance on an exemption therein. The Separate Accounts have not been registered under the Investment Company Act of 1940 and are offered and sold in reliance on an exemption therein.

click to expand or collaspe Phoenix Personal Retirement Choice SM(Policy Form 10FIA)

Phoenix Personal Retirement Choice is designed as a long-term retirement planning vehicle to help you make the most of your hard-earned savings and create a secure financial future. Its accumulation features include a Premium Bonus at issue and potential for growth with positive market performance, and protection from downturns. An optional Guaranteed Lifetime Income Benefit rider (Income Benefit) is also available that guarantees income payments every year for life once the rider is exercised, provided certain conditions are met. There is an additional fee associated with this rider. The amount of the bonus and product availability varies based on the state of issue.

The premium bonus may also vary based on if the optional Income Benefit is purchased. The product includes a 7% Free Withdrawal for the life of the contract and a competitive 12-year surrender charge schedule in most states.

This product has one fixed account and seven indexed accounts with index credits linked to the positive performance of the S&P 500® and the CS Tactical Multi Asset™ Indices (2-year accounts not available in NH). Designed for investors who seek to benefit from the upside potential of the equity markets without risking loss of principal due to market downturns1, this product may be appropriate for individuals who:

  • Want to accumulate money for retirement on a tax-deferred basis
  • Are concerned about the long-term effects of market volatility
  • Are looking for guaranteed lifetime retirement income
  • Seek control and flexibility within a more conservative investment
  • Need to rebalance their overall investment portfolios
Product Disclosure

Rider Disclosure Document

An investment in the contract is subject to possible loss of principal and earnings, since a surrender charge and market value adjustment may apply to withdrawals or upon surrender of the contract.

Withdrawals are subject to ordinary income tax, and if taken prior to age 59½, a 10% tax penalty may also apply.

Non-Security Status Disclosure - These contracts have not been approved or disapproved by the Securities and Exchange Commission. The contracts are not registered under the Securities Act of 1933 and are offered and sold in reliance on an exemption therein. The Separate Accounts have not been registered under the Investment Company Act of 1940 and are offered and sold in reliance on an exemption therein.

1Your principal is protected against market losses and guaranteed under the base contract. An optional rider with fees deducted from the contract value which could potentially result in a loss of principal if the contract has had zero or very modest interest credits.

2Optional riders involve an added fee that is deducted from the contract value.

Please review this important information regarding annuities:

Although annuities may sometimes be sold by banks, they are not FDIC-insured, nor are they backed by the bank which sells the annuity.

Annuities should not be sold in qualified plans because of tax-deferral, but rather when other benefits, such as lifetime income payments, protection through the death benefits and guaranteed fees, support the recommendation.

S&P 500® is a registered trademark licensed for use by SPDJI and sublicensed for certain purposes by Phoenix Life Insurance Company. Phoenix products are not sponsored, endorsed, sold or promoted by SPDJI, Dow Jones, S&P, their respective affiliates, and none of such parties make any representation regarding the advisability of investing in such products nor do they have any liability for any errors, omissions, or interruptions of the represented index(s).

The CS Tactical Multi Asset Index™ is sponsored and published by Credit Suisse. Phoenix has entered into an exclusive license agreement with Credit Suisse providing for the right to use the CS Tactical Multi Asset Index and related trademarks in connection with Phoenix indexed annuities. The annuities are not sponsored, endorsed, sold or promoted by Credit Suisse. Credit Suisse makes no representation or warranty, express or implied, regarding the advisability of investing in the annuities, and has no obligation or liability in connection with the administration, marketing or sale of Phoenix annuities.

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Category: Annuity

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