Not A Replacement For The Prospectus. Please Read The .

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The material contained in this presentation is not a replacement forthe prospectus. Please read the product prospectus for completeinformation and full disclosure, including risks, charges and fees.For withfinancialprofessional use only. Not for use with the public.For financial professional use only. Not for usethe public.

Product-Specific Training– Polaris Variable AnnuitiesFor financial professional use only. Not for use with the public.2

Table of Contents Polaris Variable Annuity Product LineGuaranteed Living Benefits Polaris Income Plus Polaris Income Builder Polaris Income Plus DailySM Fees Investing with PolarisDeath BenefitsPolaris Select Investor Variable Annuity OverviewAdditional Information33

Polaris Variable AnnuityProduct Line4

Comprehensive Product LineCDSCDurationMortality & ExpenseChargePolaris Platinum III7 Years1.30%Polaris Platinum III with EarlyAccess Rider4 Years1.70% Years 1-41.30% Years 5 5 Years1.10%*1.40%**0 years1.35%*1.70%**ProductPolaris Select Investor* Account Value Death Benefit** With Optional Return of Premium Death BenefitPolaris Variable Annuities are issued by American General Life Insurance Company. CDSC stands for Contingent Deferred Sales Charge, also knownas a withdrawal charge. Fees, charges and other information regarding these products will be covered later in the presentation.For financial professional use only. Not for use with the public.55

Charges, Fees & Important InformationPlease see the prospectus for details.Polaris Platinum III7-year withdrawal charge: 8-7-6-5-4-3-2-0%1NotMaximum issue age85 (lower if certain features are elected)Minimum initial investment 10,000 (Non-Qualified); 4,000 (Qualified)Minimum additional investment 500 (NQ and Q); 100 Automated Bank DraftAnnualized M&E charge1.30%Annual contract charge 50, waived for contracts of 75,000 or more* (Fee may be lower in certain states. Please seeprospectus)Total portfolio operating expenses as of 12/31/15 and1/31/16, respectivelyTotal portfolio operating expenses: 0.55% to 2.20%Free withdrawals during the withdrawal charge periodGreater of: 10% of purchase payments not yet withdrawn each contract year or, if an incomeprotection option is elected, the maximum annual withdrawal amountAutomatic Asset Allocation RebalancingQuarterly, semi annually or annuallyDollar Cost Averaging/Fixed AccountsDollar Cost Averaging/Fixed AccountsNursing home waiver1Included in contractOptional FeatureEarly Access: additional 0.40% for the first 4 contract yearsReduces standard withdrawal charge schedule to 4 years (8-7-6-5-0%)Optional Income Protection Features2Polaris Income Plus, Polaris Income Builder, and Polaris Income Plus DailyInitial: 1.10% Single Life; 1.35% Joint LifeMin: 0.60%; Max: 2.20% Single Life; 2.70% Joint LifeOptional Family Protection FeatureMaximum Anniversary Value Death Benefit: 0.25%Max issue age: 80available in all states. Please see prospectus. 2Only one optional income protection feature may be elected at contract issue. Fee rate is guaranteed for one year. After one year,fee rate will be adjusted quarterly based on a pre-determined, non-discretionary formula. Annualized fee calculated as a percentage of the Income Base, deducted from contract valuequarterly. The maximum annualized fee rate decrease or increase is 0.25% each quarter.*In New York, Oregon, Texas and Washington, charge will be deducted pro-rata from variable portfolios only. M&E charge deducted from the average daily ending net asset values. 66For financial professional use only. Not for use with the public.

Charges, Fees & Important InformationPolaris Select InvestorPolaris Select Investor“B-share”; 5-year withdrawal charge: 7-7-6-6-5-0%“C-share”; No surrender charge when feature is electedMaximum issue age185: Standard Death Benefit75: Return of Premium Death Benefit85: Standard Death Benefit75: Return of Premium Death BenefitMinimum initial investment 25,000 (Non-Qualified and Qualified) 25,000 (Non-Qualified and Qualified)Minimum addt’l investment2 500 (NQ and Q) 500 (NQ and Q)Annualized M&E chargeAccount Value Death Benefit: 1.10%With Optional Return of Premium Death Benefit: 1.40% (0.30%fee)Account Value Death Benefit: 1.35%With Optional Return of Premium Death Benefit: 1.70% (0.35%fee)Annual contract charge 50, waived for contracts of 75,000 or more on contractanniversary.* (Fee may be lower in certain states. Please seeprospectus) 50, waived for contracts of 75,000 or more on contractanniversary.* (Fee may be lower in certain states. Please seeprospectus)Total annual portfolio operatingexpenses as of 5/31/15 and12/31/16, respectivelyTotal portfolio operating expenses: 0.34% to 7.24%**Total portfolio operating expenses: 0.34% to 7.24%**Free withdrawals during thewithdrawal charge periodGreater of: 10% of purchase payments not yet withdrawn eachcontract year, and still subject to withdrawal charges. Note: if aclient is taking their contract’s RMD, any withdrawal chargesapplicable to such withdrawals are currently waived.All withdrawals are penalty freeAutomatic Asset AllocationRebalancingQuarterly, semi annually or annuallyQuarterly, semi annually or annuallyDollar Cost Averaging6-month & 1-year DCA6-month & 1-year DCAFixed Accounts1-year Fixed Account optionNot available when feature is electedNursing home waiverIncluded in contract (Not available in all states. Please seeprospectus.)N/AOptional Protection FeaturesNot ApplicableNot ApplicablePlease see the prospectus fordetails.1Ifjointly owned, age is based on the older owner. 2Additional purchase payments will not be accepted on or after the 86 th birthday.*In New York, Oregon, Texas and Washington, charge will be deducted pro-rata from variable portfolios only.**Maximum expense shown is subject to a contractual waiver of 3.98%, through 12/31/19, that reduces the fee to 3.26%.M&E charge deducted from the average daily ending net asset values.For financial professional use only. Not for use with the public.77

Guaranteed LivingBenefitsNote: Guaranteed living benefit features are not available on Polaris Select Investor.8

A Choice of Income Protection Features Polaris Income Plus Polaris Income Builder Polaris Income Plus DailySM Note: If a client elects an optional income protection feature,there are multiple ways to invest. We’ll cover the investmentrequirements later in this presentation.Optional living benefit features are available at contract issue for an additionalfee. Age restrictions, investment requirements and other limitations apply.Guarantees are backed by the claims-paying ability of the issuinginsurance company. Please see prospectus for complete details regardingGuaranteed Living Benefits.For financial professional use only. Not for use with the public.99

Guaranteed Living Benefit ComparisonPolaris Income PlusIssue Ages45 – 80Annual Fee1.10% (max. 2.20%) Single Life(% of IncomeBase)Income CreditPeriod 1.35% (max. 2.70%) Joint Life12 yearsPolaris Income Builder SMPolaris Income Plus Daily65 – 8045 - 80SameSameSameNot Applicable Gross 6.0% simple interest annuallyIncome Credit Partial Income Credit (Net Income Credit)available in years withdrawals taken duringthe Income Credit Period provided thatwithdrawals do not exceed Maximum AnnualWithdrawal Amount Note: The income credit is applied to theIncome Base as simple interest and does notincrease the Income Credit Base.Contract ValueStep-upAnnual (on Contract Anniversary)Frequency(while contractvalue remains)MinimumIncome BaseGuaranteeHigh-levelInvestmentRules Gross 5% simple interest annually Note: The income credit is applied tothe Income Base as simple interest No Income Creditand does not increase the IncomeCredit Base.DailyAnnual (on Contract Anniversary) Prior to 1st withdrawal: locks in highestdaily value in real time After 1st withdrawal: highest daily valuelocked in at anniversary (look-back)Minimum Income Base: 200% of the first BenefitYear’s Purchase Payments if no withdrawalsSamehave been taken during the first 12 contractyears.First Benefit Year’s Purchase Payments,provided withdrawals are taken within thefeatures parameters10% Secure Value Account10% Secure Value Account10% Secure Value Account90% Volatility Control Portfolios90% Volatility Control PortfoliosFor financial professional use only. Not for use with the public.90% Portfolio Allocator Models, ManagedAllocation Portfolios, Asset AllocationPortfolios1010

Important InformationGuaranteed living benefits can provide value to investors, but requireconsideration of the following: These features offer lifetime income guarantees, so it is important to understand theclient’s long-term investment horizon, risk and fee tolerance, and income requirements. These features carry an additional fee that will impact the performance of the variableannuity and its underlying investments over time. Based on market conditions and/or withdrawal activity, clients may never benefit from thefeature. These features have restrictions on investment selection. Withdrawals in excess of the annual withdrawal amount will reduce the value of thebenefit, in some cases, by an amount far greater than the withdrawal itself. These features do not accept additional premiums after the 1st contract year. These features provide a guarantee of a series of withdrawals, not a guarantee ofprincipal, account value or a death benefit. Polaris variable annuities can also provide guaranteed income for life without purchasingan optional benefit by electing the lifetime income option when annuitizing the contract. We offer multiple features with different absolute guarantees. It’s important to evaluateeach feature and work with your client to determine which may be best suited to theirneeds.For financial professional use only. Not for use with the public.1111

Polaris Income Plus For financial professional use only. Not for use with the public.12

Polaris Income Plus Income Base automatically steps up to lock in greater of investmentgains or an annual income credit of up to 6.0% on contract anniversariesfor up to 12 years.At the end of the first 12 years, clients will continue to have the opportunity tolock in investment gains on contract anniversaries provided contract valueremains.If no withdrawals are taken during the first 12 years, the minimum incomebase on the 12th contract anniversary is equal to 200% of first-year purchasepayments.If withdrawals of less than 6.0% of the Income Base are taken within thefeature’s parameters, your clients can receive a partial income credit on theirnext contract anniversary for guaranteed rising income.The opportunity for guaranteed rising income ends if the contract’s valueis completely depleted within the first 12 contract years*.Minimum issue age 45; maximum issue age 80The Income Base is automatically evaluated on contract anniversaries prior to the Latest Annuity Date provided contract value remains.*Guaranteed lifetime income payments will cease if the contract value is depleted by excess withdrawals.Polaris Income Plus is subject to additional fees, age restrictions and other limitations. There is no assurance that withdrawal amounts will keep pace withinflation. In a strong market, clients may pay for this optional feature and not need to use it. If Polaris Income Plus is elected, investment requirementsapply, which with Income Options 1, 2 and 3 include an automatic allocation of 10% of each investment to the Secure Value Account (a fixed account with a1-year term) with the balance to certain designated portfolios described later in this presentation. Please refer to the prospectus for additional information.13For financial professional use only. Not for use with the public.13

Polaris Income Plus Clients must choose their desired Income Option at time of contract purchase and theelection may not be changedWith Income Option 3, maximum annual withdrawal percentage is guaranteed for life.*If the contract value is completely depleted due to market volatility and/or withdrawals taken within the feature’s parameters, clients will receivethe protected income payment (PIP). The PIP is calculated as a percentage of the Income Base. If withdrawals begin before age 65 and theIncome Base increases due to investment gains on a contract anniversary on or after the 65th birthday, the protected income payment willautomatically increase to 4% of the Income Base.In the event your client chooses Income Option 2, but takes withdrawals before age 65, the withdrawal rate will revert to Income Option 1parameters for withdrawals under age 65.To realize the benefits, clients must take withdrawals within the applicable parameters. Excess withdrawals reduce the Income Base and theIncome Credit Base and also reduce the maximum annual withdrawal amount that can be withdrawn under the feature.For financial professional use only. Not for use with the public.1414

How Polaris Income Plus Can WorkDuring the first 12 contract years, Income Plus locks in the greater ofinvestment gains or an annual income credit of up to 6.0% on contractanniversaries for lifetime income. (No partial income credit is available.) Thefull 6.0% income credit is available in years that withdrawals are not taken.Hypothetical illustrations are not to scale and are intended solely to depict how Polaris Income Plus can work. The “Before withdrawals begin” exampleassumes no withdrawals are taken during the period illustrated. Hypothetical contract value assumes an initial purchase payment at contract issue andno additional purchase payments. Illustrations do not reflect the actual performance of any particular investment. Please see the prospectus for details.For financial professional use only. Not for use with the public.1515

How Polaris Income Plus Can WorkOn each contract anniversary during the first 12 contract years, the IncomeBase increases from the greater of investment gains or a 6.0% incomecredit.Hypothetical illustrations are not to scale and are intended solely to depict how Polaris Income Plus can work. Hypothetical contract value assumes aninitial purchase payment at contract issue and no additional purchase payments. Illustrations do not reflect the actual performance of any particularinvestment. Please see the prospectus for details.1616

How Polaris Income Plus Can WorkIf no withdrawals occur within the first 12 contract years, the Income Baseis guaranteed to be at least 200% of purchase payments received in thefirst contract year.Hypothetical illustrations are not to scale and are intended solely to depict how Polaris Income Plus can work. The “Before withdrawals begin” exampleassumes no withdrawals are taken during the period illustrated. Hypothetical contract value assumes an initial purchase payment at contract issue andno additional purchase payments. Illustrations do not reflect the actual performance of any particular investment. Please see the prospectus for details.For financial professional use only. Not for use with the public.1717

How Polaris Income Plus Can WorkWith Polaris Income Plus, if withdrawals are less than 6.0% of the IncomeBase and within the feature’s parameters during the first 12 contract years,a partial income credit can be received for guaranteed rising income.Hypothetical illustrations are not to scale and are intended solely to depict how Polaris Income Plus can work. Hypothetical contract value assumes aninitial purchase payment at contract issue and no additional purchase payments. Illustrations do not reflect the actual performance of any particularinvestment. Please see the prospectus for details.18For financial professional use only. Not for use with the public.18

Polaris Income Builder For financial professional use only. Not for use with the public.19

Polaris Income Builder 5% income credit on each contract anniversary during the first12 contract years (income credit available in years withdrawals arenot taken). After the first 12 contract years, clients will continue to have theopportunity to lock in investment gains on contract anniversariesprovided contract value remains.* If no withdrawals are taken during the first 12 years, clients cancount on a minimum income base on the 12th contract anniversarythat’s equal to 200% of their first-year purchase payments. Minimum issue age 65; maximum issue age 80. Note: This feature does not offer guaranteed rising income (no partialincome credit is available.*The Income Base is automatically evaluated on contract anniversaries prior to the Latest Annuity Date provided contract value remains. IncomeBuilder is subject to additional fees, age restrictions and other limitations. The growth is the opportunity for an increase in the Income Base which isthe amount on which guaranteed annual withdrawals are based. There is no assurance that withdrawal amounts will keep pace with inflation. In astrong market, clients may pay for this optional feature and not need to use it. Guarantees, including optional benefits, are backed by the claimspaying ability of the issuing insurance company. If Polaris Income Builder is elected, investment requirements apply, including an automaticallocation of 10% of each investment to the Secure Value Account (a fixed account with a 1-year term). Please refer to the prospectus for additionalinformation.20For financial professional use only. Not for use with the public.20

Polaris Income Builder Once withdrawals begin, your client’s percentage rate will not change.To realize the benefits, clients must take withdrawals within the applicable parameters. Excess withdrawals reduce the Income Base and theIncome Credit Base and also reduce the maximum annual withdrawal amount that can be withdrawn under the feature.For financial professional use only. Not for use with the public.2121

Polaris Income Plus DailySMFor financial professional use only. Not for use with the public.22

Polaris Income Plus DailySM A choice of three income options, including one that offers annualwithdrawals of up to 7.5%, when withdrawals begin at age 72 . The maximum annual withdrawal amount available with each optionvaries depending on the client’s age, number of covered persons andwhen they begin taking withdrawals. Opportunity to capture the highest daily value for retirement income.Prior to the first withdrawal, the Income Base automatically steps up everytime the daily contract value is higher than the current Income Base. After clients begin taking withdrawals, their Income Base can continue tostep up on each contract anniversary to lock in the highest daily value duringthe prior contract year.* Minimum issue age 45; maximum issue age 80* The Income Base is the amount on which guaranteed withdrawals and the annual fee for the feature are based. It is not the same as the contractvalue; it is not a liquidation value nor is it available as a lump sum.If no withdrawals have been taken from the contract, the Income Base is increased daily to the Step-up Value (if any). After the first withdrawal hasbeen taken, the Income Base is increased on the next contract anniversary looking back to the Step-Up Value (if any) on each day since the firstwithdrawal. (This is referred to as the “first look-back.”) After the first look-back, the Income Base is increased on each contract anniversary lookingback to the Step-Up Value on each day since the last contract anniversary. The Step-up Value is a value used to determine the Income Base. It is equalto the current contract value if the contract value is higher than the current Income Base. The Step-up Value (if any) is re-determined each day.Guarantees are backed by the claims-paying ability of the issuing insurance company.For financial professional use only. Not for use with the public.2323

Polaris Income Plus DailySMPolaris Income Plus Daily offers a choice of income options to help your clients securean income stream that’s right for them. At the time of purchase, clients can chooseIncome Option 1, 2, or 3:**With Income Options 1 and 2, if withdrawals begin before age 65 and the Income Base increases to a new Step-up Value on a contract anniversaryon or after the 65th birthday, the protected income payment will automatically increase to 4% of the Income Base.The protected income payment (PIP) will be paid in the event the contract value is completely depleted due to market volatility, deduction of fees and/orwithdrawals taken within the feature’s parameters, provided the Income Base is greater than zero. The PIP is calculated as a percentage of the IncomeBase.For financial professional use only. Not for use with the public.2424

How Polaris Income Plus Daily SM Can WorkBefore withdrawals begin, clients have the potential to capture investmentgains to the Income Base for future retirement income 252 times every year11Basedon approximate number of trading days each year for the New York Stock Exchange.Hypothetical illustrations are not to scale and are intended solely to depict how Polaris Income Plus Daily can work. The “Before withdrawals begin”example assumes no withdrawals are taken during the period illustrated. Hypothetical contract value assumes an initial purchase payment at contractissue and no additional purchase payments. Illustrations do not reflect the actual performance of any particular investment.Note: This feature can offer your clients income protection for different types of markets. In a rising market, it may offer the benefit of a step-up to theIncome Base. In a flat, declining or extended down market, your clients may not receive the benefit of a step-up, but their initial Income Base will remainprotected for guaranteed lifetime income. Depending on investment performance and income needs, your clients may not need to rely on this optionalinsurance feature, which is available at contract issue for an additional annual fee. It is important to note, if the Income Base is increased, it may havethe effect of increasing the dollar amount of the feature’s fee. Please see the prospectus for details.25For financial professional use only. Not for use with the public.25

How Polaris Income Plus Daily SM Can WorkAfter withdrawals begin, the Income Base can automatically increase on eachcontract anniversary to lock in client’s highest daily value for rising income.Hypothetical illustrations are not to scale and are intended solely to depict how Polaris Income Plus Daily can work. Hypothetical contract valueassumes an initial purchase payment at contract issue and no additional purchase payments. Illustrations do not reflect the actual performanceof any particular investment.2626

Additional Information Income Base: The amount on which guaranteed withdrawals and the annual fee for the feature are based. It is not the same as thecontract value; it is not a liquidation value nor is it available as a lump sum. The Income Base is initially equal to the first purchasepayment. We will not accept purchase payments on or after the first contract anniversary if an income protection feature is elected. If nowithdrawals have been taken from the contract, the Income Base is increased daily to the Step-up Value (if any). After the first withdrawalhas been taken, the Income Base is increased on the next contract anniversary looking back to the Step-Up Value (if any) on each daysince the first withdrawal. (This is referred to as the “first look-back.”) After the first look-back, the Income Base is increased on eachcontract anniversary looking back to the Step-Up Value on each day since the last contract anniversary. If the contract value has beenreduced to zero, the Income Base will no longer be recalculated. The Income Base will be increased each time a purchase payment ismade during the first contract year. The Income Base will be adjusted for excess withdrawals. Step-up Value is a value used to determine the Income Base. It is equal to the current contract value if the contract value is higher thanthe current Income Base. The Step-up Value (if any) is redetermined each day. Maximum Annual Withdrawal Amount: The maximum amount of income you can take each year. Protected Income Payment: The amount of annual income you will receive for life if your contract value is completely depleted due tomarket volatility and/or withdrawals taken within the feature’s parameters. To realize the feature’s full benefits, withdrawals must be taken within certain parameters. Withdrawals that exceed the feature’sparameters are known as excess withdrawals. If your clients take an excess withdrawal: 1) The Income Base will be reduced by theamount in excess of the maximum annual withdrawal amount, and 2) Income Plus Daily locks in the highest daily value since the time ofthe excess withdrawal on the next contract anniversary. If an excess withdrawal reduces the contract value to zero, the feature willterminate and your client will no longer be eligible to take withdrawals or receive lifetime income payments. There is no assurance that withdrawal amounts will keep up with inflation. Withdrawals of taxable amounts are subject to ordinary income tax and, if taken prior to age 59½, an additional 10% federal tax may apply.Withdrawals may be subject to withdrawal charges if they exceed certain parameters. This feature can offer income protection for different types of markets. In a rising market, it may offer the benefit of a step up to theIncome Base. In a flat, declining or extended down market, your clients may not receive the benefit of a step-up, but their initial IncomeBase will remain protected for guaranteed lifetime income. Depending on investment performance and income needs, your clients may notneed to rely on this optional insurance feature.2727

FeesFor financial professional use only. Not for use with the public.28

Calculation of FeePolaris Income Plus, Income Builder, and Income PlusDaily share a common fee calculationOptionInitial FeeRateMinimum Fee Ratefor Life of ContractMaximum Fee Ratefor Life of ContractMaximum Annualized Fee RateDecrease/Increase Each QuarterSingle Life1.10%0.60%2.20%0.25%Joint Life1.35%0.60%2.70%0.25% Historically, the fee for any living benefit has generally been set to cover the ongoing cost of hedging during theentire time a client owns the contract. However, hedging costs continuously change as market volatility moves thecost of the hedges up or down. With our protection-based pricing, the client shares in the cost of hedging whenvolatility goes up, but clients have the opportunity for a lower fee rate when the cost of hedging goes down.Fee rate guaranteed for the first year.After the first year, the fee rate will be adjusted quarterly by a rate of 5 basis points annualized for every 1 pointmove in the average of all values of the VIX Volatility Index as reported by the Chicago Board Options Exchange,during the quarter for which the fee is being calculated based on a baseline VIX of 20.The fee rate can decrease or increase and is subject to a quarterly cap on adjustments and an overall fee rate capand floor for the life of the contract.Quarterly fee rate cannot decrease or increase by more than 6.25 basis points from the prior quarter (25 basispoints annualized rate).The fee is calculated as a percentage of the Income Base deducted from contract value quarterly; in New York, thecharge will be deducted pro-rata from variable portfolios only.For financial professional use only. Not for use with the public.2929

20-Year Fee Illustration – Single Life Key points to keep in mind: The VIX generally has had an inverse relationship to the equitymarket—expressed by greater volatility in bear markets and lowervolatility in bull markets.Clients are always protected from dramatic temporary swings involatility by the quarterly cap on the fee rate adjustment and theuse of the quarterly average of the VIX in determining eachquarter’s fee. Even during the period at the end of 2008 when the market wasexperiencing substantial turmoil and the VIX value topped 80, the capelement of the fee structure would have reduced the impact of thelarge, temporary swing in the VIX index.Additionally, the fee rate would have returned to a lower level withintwo quarters.Past performance is no guarantee of future results.For financial professional use only. Not for use with the public.3030

20-Year Fee Illustration – Single LifeThis illustration helps demonstrate how protection-basedpricing would have worked over the period shown.Please note that the Polaris Income Plus, Polaris Income Builder and Polaris Income Plus Daily features were not available during this entire period(2/20/90-2/20/15). This illustration reflects quarterly fee rate adjustments beginning 05/20/1991, after the one year fee rate guarantee period hasended. Fee rate illustrated is for the Single Life option. Past performance is no guarantee of future results and your clients’ fee rates may be differentthan those illustrated.For financial professional use only. Not for use with the public.3131

Investment Requirements:- Polaris Income Plus & Income Builder- Polaris Income Plus DailyFor financial professional use only. Not for use with the public.32

Experienced Money Managers10% of initial and additional investments will need to be allocated to the Secure Value Account, an interest-earning fixed account with a one-year term. 90% ofinitial and additional investments may be allocated within designated investment limitations determined by the guaranteed living benefit elected. Participation inquarterly automatic asset rebalancing is also required.While certain Polaris portfolios may be similar to other funds managed by the same investment adviser, this does not mean that a portfolio’s investment resultswill be comparable to the investment results of other similar funds, including other funds with the same investment adviser. There may be material differencesbetw

Polaris Platinum III 7 Years 1.30% Polaris Platinum III with Early Access Rider 4 Years 1.70% Years 1-4 1.30% Years 5 Polaris Select Investor 5 Years 1.10%* 1.40%** 0 years 1.35%* 1.70%** * Account Value Death Benefit ** With Optional Return of Premium Death Benefit Polaris Variable Annuiti

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