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Why Partner with SunAmerica Variable Annuities?. Performance, Protection, Strength. Why Partner with SunAmerica & Polaris?. Performance Respected money managers, 40+ investment options crossing 12 asset classes, plus professionally designed asset allocation models Protection

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Why partner with sunamerica variable annuities

Why Partner with SunAmerica Variable Annuities?

Performance, Protection, Strength

Why partner with sunamerica polaris
Why Partner with SunAmerica & Polaris?

  • Performance

    • Respected money managers, 40+ investment options crossing 12 asset classes, plus professionally designed asset allocation models

  • Protection

    • Innovative optional features for retirement income and for protecting beneficiaries

  • Strength

    • SunAmerica is financially strong and stable with a long track record of success

Why partner with sunamerica
Why Partner with SunAmerica?

  • What your SunAmerica wholesaler can do to support your business:

    • Product knowledge

    • Marketing support

    • Value add programs

    • Client seminars and meetings

3 considerations when choosing a variable annuity carrier
3 Considerations When Choosing a Variable Annuity Carrier

  • Financial stability

  • Competitiveness of product/features

  • Performance of the investment options

Financial stability
Financial Stability

  • SunAmerica Annuity and its sister domestic life companies rank as the third largest life insurance organization in the U.S.

  • SunAmerica Annuity is financially strong with capital reserves in excess of that required by state regulators

  • Cash and short-term investments total $1.1 billion and represent more than one quarter of SunAmerica Annuity’s general account portfolio

  • 93% of SunAmerica Annuity’s $2.0 billion bond portfolio is invested in investment grade bonds

Competitiveness of product features
Competitiveness of Product/Features

Polaris offers three share classes

  • Polaris Platinum III

    • “B-share” (7-year withdrawal charge schedule)

    • 1.30% M&E fee

  • Polaris Choice III

    • “L-share” (4-year withdrawal charge schedule)

    • 1.52% M&E fee

  • Polaris Advantage

    • “Bonus” product (9-year withdrawal charge schedule)

    • 1.65% M&E fee

    • 4.5% bonus up to $249,999; 5.5% for $250,000 to $499,999; 6.5% for $500,000+

      Summary information only as of 10/01/09. Please see prospectus for details.

Competitiveness of products features
Competitiveness of Products/Features

MarketLock Income Plus

  • 6% income credit for up to 10 years

  • Annual market step-ups through age 90

  • Annual withdrawals:

    • 45-64: 4% for life (single or joint)

    • 65+: 5% for life (single) 4.75% (joint)

  • Uniqueness of feature: partial income credit available even in years withdrawals are taken (provided withdrawals are taken within feature’s parameters)

  • “RMD friendly” provided withdrawals taken within feature’s parameters

Note: upon each extension of the feature’s income credit period or evaluation period, the feature’s fee and investment requirements may change. Please see a prospectus for complete details.

Competitiveness of product feature
Competitiveness of Product/Feature

Recent enhancements to Polaris

  • MarketLock For Life: Low cost GMWB: 0.70% single life, 0.95% joint life

  • 2-year enhanced DCA Fixed account

  • Combination HV & Roll-up Death Benefit option

    • Offers 5% growth or maximum anniversary value

  • Maximum Anniversary Value Death Benefit now adjusted for withdrawals “dollar for dollar” with GMWB features

  • Investment requirements for GMWB features now include option to build a customized portfolio



American Funds (Capital Research and Management Company)





Franklin Templeton

Goldman Sachs

JP Morgan

Lord Abbett

MacKay Shields






SunAmerica Asset Mgmt

Van Kampen


Wells Capital



1 Van Kampen Life Investment Trust—Class II shares 2 The American Funds SunAmerica Series Trust (SAST) portfolios (“Feeder Funds”) do not invest directly in individual securities; instead they invest all of their assets in corresponding funds (“Master Funds”) of the American Funds Insurance Series (“AFIS”). Investing in a Feeder Fund will result in higher fees and expenses than investing directly in a Master Fund. Please see the prospectus and Statement of Additional Information for more information regarding the master-feeder fund structure.

Supporting your business
Supporting Your Business

  • American Speaks Out on Retirement

Supporting your business1
Supporting Your Business

  • R.A.M.P

    Retention, Acquisition, Marketing, Practice Management

Supporting your business2
Supporting Your Business

  • Emarketing site for personalized mailers

Supporting your business3
Supporting Your Business

  • Advanced Marketing

Important information


May Lose Value • No Bank or Credit Union Guarantee • Not a Deposit • Not insured by any Federal Government Agency

Important Information

Polaris Variable Annuities are sold by prospectus only. The prospectus contains the investment objectives, risks, fees, charges, expenses and other information regarding the contract and underlying funds, which should be considered carefully before investing. A prospectus may be obtained by calling 1-888-502-2900. Clients should read the prospectus carefully before investing.

Annuities are designed for long-term retirement investing. Withdrawals of taxable amounts are subject to ordinary income tax and, if taken prior to age 59½, a 10% federal tax penalty may apply. Early withdrawals may be subject to withdrawal charges. Partial withdrawals also reduce benefits available under the contract as well as the amount available upon a full surrender. An investment in Polaris involves investment risk, including possible loss of principal.

Polaris Variable Annuities are issued by SunAmerica Annuity and Life Assurance Company. Products and features may not be available in all states. The contract, when redeemed, may be worth more or less than the total amount invested. The purchase of Polaris is not required for, and is not a term of, the provision of any banking service or activity. Distributed by SunAmerica Capital Services, Inc.

R4034WBP (9/09)