IMPORTANT PERFORMANCE INFORMATION
Performance is historical and does not guarantee future results.
Investment return and principal value fluctuate with changing market
conditions so that, when redeemed, units may be worth more or less
than their original cost. Current performance may be lower or higher
than the performance data quoted.
Unadjusted returns are based on a $40,000 payment and are net of mortality and expense risk and administrative charges, but not surrender charges or the $30 annual contract fee. Performance figures do not reflect the annual charge of 0.25% of the contract value (assessed quarterly) for the GRIB rider while in force. If the charge were reflected, performance figures would be lower. Withdrawals may be subject to income tax and, if made prior to age 59½, a 10% federal penalty tax. All performance figures are annualized unless otherwise noted. Unadjusted return performance may be reflected prior to the inception date of the subaccount.
Investments in money market portfolios are not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. Although the portfolio seeks to preserve the value of your investment at $1.00 per unit, it is possible to lose money by investing in the portfolio. The yield quotation more closely reflects the current earnings of the portfolio than the current return quotation. Yields will fluctuate.
Variable annuities are long term vehicles designed for retirement purposes. Withdrawals or surrenders may be subject to surrender charges. Amounts withdrawn may be subject to ordinary income tax, and if taken prior to age 59½, a 10% IRS penalty may also apply. Withdrawals have the effect of reducing the death benefit, any living benefits and cash surrender value. Variable annuities are sold by prospectus. Please refer to the appropriate prospectus for more complete information, including fees, limitations, age restrictions and risk factors that may apply. You should read the prospectus carefully before purchasing a contract or policy.
* FEE WAIVER:
Returns may reflect past or present fee waivers, limits or reductions negotiated by the portfolio's investment manager. Without such waivers, limits or reductions the returns would be lower. Please see prospectus for complete details.
RISK DISCLOSURE:
Investments in variable products involve risk. Some portfolios offer more risk than others, such as REIT investments which can be affected by interest rate moves, economic cycles and tax and regulatory requirements. Furthermore, there are additional risks with investing in non-US companies, high-yield bonds, emerging markets, aggressive growth stocks, non-diversified/concentrated funds and small-, mid- and micro-cap stocks which are more fully explained in the prospectuses. Please read both the contract and underlying prospectus for specific details regarding the product's risk profile.
OBTAIN A PROSPECTUS:
To obtain a prospectus, download one from www.zurichamericanlifeinsurance.com, or talk to your financial representative. You should carefully consider the investment objectives, risks, charges and expenses of the variable annuity and its underlying fund options before investing. The variable annuity and underlying fund prospectuses contain this and other important information about the investment product. Please read the prospectuses carefully before you invest.