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A Reason to Celebrate!

A Reason to Celebrate!. Enhancements to Phoenix Indexed Annuities. For Producer Use Only. Not for distribution to the public as sales literature. . Item#A5097PPT BPD38833 (7/13). A Reason to Celebrate. Effective July 1 st , Phoenix announced the following annuity product enhancements:

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A Reason to Celebrate!

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  1. A Reason to Celebrate! Enhancements to Phoenix Indexed Annuities For Producer Use Only. Not for distribution to the public as sales literature. Item#A5097PPT BPD38833 (7/13)

  2. A Reason to Celebrate Effective July 1st, Phoenix announced the following annuity product enhancements: Personal Income Annuity • Increases to income amounts on the Income Strategy: Today and Tomorrow riders of up to 25% • Increase to cap rates by as much as 200% • Transition rules for pending PIA applications apply Personal Protection Choice Annuity • Increase to cap rates by as much as 275% Index Select Gold Bonus/Reflections Gold Bonus • Increase to cap rates by as much as 120%

  3. Personal Income Annuity

  4. Phoenix Personal Income Annuity CELEBRATE – Enhanced Income Amounts (effective 7/1/13) Today: Tomorrow: Old Benefit Amounts NEW Enhanced Benefits Today: Tomorrow: 11% Age 60, wait 1 year = $5,926 Age 60, wait 1 year = $5,308 11% Age 64, wait 1 year = $6,408 Age 64, wait 1 year = $5,761 Age 69, wait 1 year = $6,215 14% Age 69, wait 1 year = $7,081 15% Age 60, wait 5 years = $6,698 Age 60, wait 5 years = $7,718 11% Age 65, wait 5 years = $7,667 Age 65, wait 5 years = $8,483 20% Age 59, wait 3 years = $5,424 Age 59, wait 3 years = $6,532

  5. Phoenix Personal Income Annuity INCOME PROTECTION - Guaranteed lifetime income benefit1 • Bonus to income benefit base: • Annual Roll-up: 3%simple interest in years 3-10 • Roll-up Reset2: continues roll-up for 10 more years; rate will be no less than 3% TOMORROW TODAY • Annual Roll-up: 14%simple interest to the benefit base for years 1-10 • Roll-up Reset2: continues roll-up for 10 more years; rate will be no less than 3% • Guaranteed lifetime income benefit is calculated as a percentage of the benefit base, based on the annuitant’s age at issue, age at rider exercise and single or spousal benefit options. Benefit Base is used solely to calculate the annual benefit amount and rider fee. It is not a guarantee of contract value and is not available for immediate withdrawal. • Rider fee may increase upon reset

  6. Phoenix Personal Income Annuity

  7. Phoenix Personal Income Annuity

  8. Phoenix Personal Income Annuity

  9. Phoenix Personal Protection Choice

  10. A Combination Benefit,Fixed Indexed Annuity A single solution designed to provide for multiple needs: 1- Income 2- Health Care 3- Family • Select a time horizon: • Today • Tomorrow • and, choose from 3 guaranteed minimum withdrawal benefit options: • Income & Care Protection • Income & Family Protection • Income, Family & Care Protection GMWB riders are optional and involve an annual fee of a percentage of the benefit base deducted from the contract value. Fees for each rider are: Income & Care Protection: 0.95%, Income & Family Protection: 1.15%, Income, Family & Care Protection: 1.15%.

  11. Phoenix Personal Protection Choice

  12. Phoenix Personal Protection Choice

  13. Enhanced Flexibility Available with all Phoenix Fixed Index Annuities • RMD Friendly: any withdrawals for RMDs associated with this contract will not incur withdrawal fees1,2 • Withdrawals will not automatically exercise rider • Up to 10% in free withdrawals during surrender period3, 4 • Upon full surrender, any penalty-free withdrawals taken in the prior 12 months will be assessed a surrender charge. • For contracts with an optional rider, withdrawals in excess of the guaranteed withdrawal amount will reduce the benefit base and therefore may impact rider benefits. • Any withdrawals taken prior to the date guaranteed lifetime income starts will impact guaranteed income but will not impact the roll-up. • For Phoenix Reflections Gold Bonus and Phoenix Index Select Gold Bonus contracts, non-RMD withdrawals in the first contract year will incur a surrender charge and a market value adjustment. • These annuities do not modify the tax treatment of IRA assets, including the need for Required Minimum Distributions.

  14. Phoenix Personal Protection Choice

  15. Marketing Tools Income and Family Protection Rider Overviews Phoenix Personal Protection Choice Client Brochure, Product Summary and Rider Overview Phoenix PartnerCenter

  16. A Reason to Celebrate Effective July 1st, Phoenix announced the following annuity product enhancements: Personal Income Annuity • Increases to income amounts on the Income Strategy: Today and Tomorrow riders of up to 25% • Increase to cap rates by as much as 200% • Transition rules for pending PIA applications apply Personal Protection Choice Annuity • Increase to cap rates by as much as 275% Index Select Gold Bonus/Reflections Gold Bonus • Increase to cap rates by as much as 120%

  17. Thank You ! #1-888-661-1999 Lifetime payments and guarantees are based on the claims-paying ability of PHL Variable Insurance Company. Phoenix indexed annuities are issued by PHL Variable Insurance Company, (PHLVIC), Hartford, CT. PHLVIC is not authorized to conduct business in NY and ME. A member of The Phoenix Companies, Inc.

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