An investment in the contract is subject to possible loss of principal and earnings, since a surrender charge and market value adjustment may apply to withdrawals or upon surrender of the contract. All guarantees are subject to the claims paying ability of PHL Variable Insurance Company.
Withdrawals are subject to ordinary income tax, and if taken prior to age 59½, a 10% tax penalty may also apply.
1 Optional riders involve an added fee that is deducted from the contract value.
2 Your principal is protected against market losses and guaranteed under the base contract. If the optional rider is elected, fees will be deducted from the contract value and this could potentially result in a loss
of principal if the contract has had interest credits less than the fees.
S&P 500® is a registered trademark licensed for use by SPDJI and sublicensed for certain purposes by Phoenix Life Insurance Company. Phoenix products are not sponsored, endorsed, sold or promoted by SPDJI,
Dow Jones, S&P, their respective affiliates, and none of such parties make any representation regarding the advisability of investing in such products nor do they have any liability for any errors, omissions, or interruptions
of the represented index(s).
The CS Tactical Multi Asset Index™ is sponsored and published by Credit Suisse. Phoenix has entered into an exclusive license agreement with Credit Suisse providing for the right to use the CS Tactical Multi Asset
Index and related trademarks in connection with Phoenix indexed annuities. The annuities are not sponsored, endorsed, sold or promoted by Credit Suisse. Credit Suisse makes no representation or warranty, express
or implied, regarding the advisability of investing in the annuities, and has no obligation or liability in connection with the administration, marketing or sale of Phoenix annuities.
The information above, including the Product Disclosure and the Rider Disclosure Document is intended for use by the general public and is not individualized to address any specific investment objective. It is not intended
as investment or financial advice. We encourage you to consult with an advisor who can tailor a financial plan to meet your needs.
Personal Income Annuity is an insurance contract, not an investment; it doesn’t provide ownership of any stocks, bonds, index funds, or any other securities.