For example, the S&P 500® Index increased more than 600% from 1995-2021.1 But market downturns can occur at any time. Looking back more than 100 years, stocks have experienced corrections of -10% or more about once a year, and bear markets of -20% or more, on average, more than twice a decade.That’s why it’s important to look for ways to protect your income from down markets.

Consider a Polaris variable annuity to help protect your income from downside risk:

Stock market volatility since 1900

(Decline of 5% or more)2
(Decline of 10% or more)2
Bear markets
(Decline of 20% or more)2
3.4 per year31.1 per year3Once every 3.7 years3

Our Polaris variable annuities and their optional lifetime income features offer you the ability to:

  • Protect your retirement income from market losses, no matter when they occur
  • Participate in the upside growth potential of the market
  • Guarantee your income for life, even if your account value is depleted in a down market4

Contact your financial professional for more information.

Please note that a variable annuity is subject to investment risk, including the possible loss of principal. Past performance does not guarantee future results.


Source: FactSet, 2022. The S&P 500® is a price return index and does not include the impact of dividends. 

Source: Ned Davis Research, Inc. 2022, based on Dow Jones Industrial Average, daily closes, 1/2/1900-12/31/2021.

3 Average for period shown.

Withdrawals must be taken within the parameters of the contract. 

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 1-800-445-7862. Clients should read the prospectus carefully before investing.

Variable annuities are a long-term investment designed for retirement purposes. Variable annuities are subject to investment risk, including the potential loss of principal. In the accumulation phase, they can help you build assets on a tax-deferred basis. In the income phase, they can provide you with guaranteed income through standard or optional features. Variable annuities are subject to costs that include a separate account fee, a contract maintenance fee, expenses related to the operation of the variable portfolios, and the costs associated with any optional features elected.

Income protection features are optional and available at contract issue for an additional annual fee. Age restrictions, investment requirements and limitations apply. Depending upon the performance of the investment and income needs, you may not need to rely on the protection provided by an optional income protection feature. Additional income protection features may be available. Only one income option feature may be elected. To realize the benefits of an income protection feature, you must take withdrawals within the parameters of the feature.

Early withdrawals may be subject to withdrawal charges. Partial withdrawals may reduce benefits available under the contract as well as the amount available upon a full surrender. Withdrawals of taxable amounts are subject to ordinary income tax, and if taken prior to age 59½, an additional 10% federal tax may apply. 

An initial Purchase Payment is the money you give us to purchase a contract. Any additional money you give us to invest in the contract after purchase is a subsequent Purchase Payment. You are not required to make any subsequent Purchase Payments. The following contains the minimum dollar amount for the initial Purchase Payment and each subsequent Purchase Payment:

For Qualified Contracts, Minimum Initial Purchase Payment is $4,000; Minimum Subsequent Purchase Payment is $500; Minimum Automatic Subsequent Purchase Payment is $100. For Non-Qualified Contracts, Minimum Initial Purchase Payment is $10,000; Minimum Subsequent Purchase Payment is $500; Minimum Automatic Subsequent Purchase Payment is $100. If you purchase your contract through certain broker-dealers, the minimum initial Purchase Payment may be higher than the amounts shown. These amounts depend upon whether a contract is qualified or non-qualified for tax purposes.

Policy form numbers:

AGL: AG-803 (7/13)

US Life: US-803 (5/17)

VALIC: V-803 (11/14)

M6395VA2 (9/22)