Retirement your way: Options to help max and flex your future income

Choose how you want lifetime income you won’t outlive…

Create a customized retirement income solution using one of the following options from a retirement income industry leader:

Polaris Income Max® for a 5.25% yearly income credit1 or lock in earnings each year

You can choose a withdrawal rate that fits your lifestyle and a range of investment choices managed by leading money managers

Polaris Income Plus Daily Flex® lets you “step up” 252 times each year to help lock in the highest daily market value for your future lifetime income and offers a 5% yearly increase to your minimum income base until you start income2,3

Design your personal income plan with a range of investment options 

Help grow and protect your retirement income – for life – with our Polaris variable annuities: 

  • Grow future income – no matter how the market performs
  • Protect lifetime income for when you need it most
  • Choose how you want to receive income
  • Protect yourself and your loved ones
  • Invest with flexibility and control 

We get high marks for income guarantees.


1Option to capture potential gains annually for future income or receive the 5.25% yearly income credits before you activate lifetime income.

2The income Base is the amount on which guaranteed withdrawals and the annual fee for the feature are based. It is not a liquidation value nor is it available as a lump sum. The Income Base is initially equal to the first purchase payment. The Income Base will be increased each time a purchase payment is made. Before you activate lifetime income: the Income Base is increased daily to the Step-up Value (if any). In addition, the Income Base will be eligible to increase to at least the Minimum Income Base on the contract anniversary, if the Minimum Income Base is greater than the current Income Base.

3Based on approximate number of trading days each year for the New York Stock Exchange. Step-ups from investment gains are not guaranteed and depend on the performance of the underlying investment(s).. 

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..

M6026WP1 (11/21)