Print To PDF    Email   Text Size

PERFORMANCE
Maximize the growth potential of your clients’ retirement savings

Polaris Variable Annuities are designed to help your clients enhance the long-term growth potential of their retirement savings with a powerful combination of:

Leading Money Managers with Long Track Records of Performance
There’s no substitute for experience. That’s why Polaris offers you and your clients access to many of Wall Street’s most widely recognized money managers with long track records of strong performance. And while past performance is not a guarantee of future results, it is a factor worth consideration.  With Polaris, your clients can put these money managers to work for them:
 

Alliance Bernstein_Logo
davis
EDGEfederatedfranklin templeton
goldman sachs
JanusLord Abbett
MariscoMorgan Stanley Investment Management
Northern Trustopenheimer
PineBridgeputnamPyramis
SAAMCoT Rowe PriceThird Avenue
wellingtonwells_capital 
   

1 American Funds SAST portfolios invest in American Funds Insurance Series, which has the same investment manager
   (Capital Research and Management Company) as American Funds.
2 These money managers are available through the SunAmerica Dynamic Allocation Portfolio, the SunAmerica Dynamic
  Strategy Portfolio, and/or the Managed Allocation Portfolios (MAPs) offered in Polaris.

 

Note: 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 results will be comparable to the investment results of other similar funds, including other funds with the same investment adviser. The portfolio's investment results will likely differ, and may be higher or lower than the investment results of other similar funds.

Money manager lineup may differ by product. Please see the prospectus for details.

 

Investment Options that Span the Asset Class Spectrum
Diversify your clients’ money across multiple asset classes and investment styles to help meet their goals and objectives and help reduce risk.1  With Polaris, your clients have the opportunity to diversify their money among as many as 55 different investment options that cross 12 distinct asset classes — including 44 investment options with track records of 10-years or longer! Plus, with the benefit of tax deferral, clients have the freedom to transfer and rebalance among investment options without triggering a taxable event.2 If an income protection feature is elected, investment requirements apply; not all investment options are available.

Professionally-Designed Asset Allocation Strategies and Investment Tools
Polaris Portfolio Allocator Models  Take advantage of the expertise of an asset allocation specialist and identify a target asset allocation model for your clients with Polaris Portfolio Allocator, developed by Ibbotson Associates, Inc. — a recognized leader in asset allocation. Polaris Portfolio Allocator models offer you and your clients a guide you can use as you design their Polaris investment.
 

Managed Allocation Portfolios (MAPs)  Designed and managed by Ibbotson Associates, Inc, the actively managed MAPs offer the broad diversification and asset allocation of a fund-of-funds. Ibbotson handles the day-to-day management of each MAP, affording your clients the objectivity of an independent third-party manager. MAPs are invested in a variety of institutionally-managed portfolios. By investing in a single MAP, clients can diversify their money across asset classes, money managers and investment styles, while enjoying the benefits of active management from a leading authority on asset allocation.

 

 

Automatic Asset Allocation Rebalancing  Help your clients keep their investment on track by systematically rebalancing to their original allocation. Choose from quarterly, semiannual or annual automatic asset rebalancing.

Dollar Cost Averaging (DCA) Fixed Accounts  Help clients earn a competitive rate of return on their money as it is systematically transferred into selected investment options, a Polaris Portfolio Allocator model, or a MAP over a specific time period. Choose from a 6-month, 1-Year, or 2-Year DCA Fixed Account, depending on the product chosen.3

 

 

1 Keep in mind, diversification does not guarantee greater or more consistent returns and it can’t protect against loss.

2 Of course, tax-qualified contracts such as an IRA, 401(k), etc. are tax-deferred (and subject to required minimum distributions)
   regardless of whether or not they are funded with an annuity. However, annuities do provide other features and benefits, including
   but not limited to a guaranteed death benefit and income options, for which a mortality risk, expense risk and distribution expense
   fee is charged.

 3 Dollar cost averaging does not assure a profit or protect against loss. Investors should weigh their ability to sustain investments
   during periods of market downturns. Any fixed rates credited will be paid on a declining balance

 

Asset allocation does not ensure a profit or protect against loss in a declining market. Polaris Portfolio Allocator is not intended to provide personalized investment advice. Clients should not rely on it as providing individualized investment recommendations. The program is considered “static” because once clients have selected a model, the portfolios and the percentages of contract value allocated to each portfolio within the model will not be changed by us. To maintain the model’s original allocation, clients can elect to have their investment in the model rebalanced quarterly, semi-annually, or annually. Over time, the model clients select may no longer align with their original investment objective due to variable portfolio performance and changes in the variable portfolios.

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 results will be comparable to the investment results of other similar funds, including other funds with the same investment adviser. The portfolio's investment results will likely differ, and may be higher or lower than the investment results of other similar funds.

 

R-4731-A1.6 (5/13)