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As Of Filer Filing For·On·As Docs:Size Issuer Filing Agent 8/30/23 Minnesota Life Individual V… Acct 485BPOS 8/30/23 5:1.9M Donnelley … Solutions/FA → Minnesota Life Individual Variable Universal Life Account ⇒ Waddell & Reed Advisors Accumulator Variable Universal Life |
Document/Exhibit Description Pages Size 1: 485BPOS Post-Effective Amendment of a Form N-1 or N-1A HTML 1.82M Registration 2: EX-99.30(K) Miscellaneous Exhibit HTML 9K 3: EX-99.30(N) Miscellaneous Exhibit HTML 7K 4: EX-99.30(Q) Miscellaneous Exhibit HTML 105K 5: EX-99.30(S) Miscellaneous Exhibit HTML 26K
485BPOS |
Supplement dated August 30, 2023, to the following Prospectuses dated May 1, 2023:
• | Minnesota Life Variable Universal Life Account (MLIC VGUL, SFG COLI VGUL) |
• | Securian Life Variable Universal Life Account (SLIC VGUL) |
• | W&R Advisors Accumulator Variable Universal Life |
• | W&R Advisors Retirement Builder Variable Annuity |
• | Accumulator Variable Universal Life |
This supplement should be read with the currently effective or last effective prospectus and statement of additional information, along with any other applicable supplements, for the above listed prospectuses.
Fund Additions
Effective September 29, 2023, the American Funds Insurance Series® – Capital World Bond Fund – Class 1 Shares is available as a subaccount investment option under the Accumulator Variable Universal Life policy.
Effective September 29, 2023, the American Funds Insurance Series® – Capital World Bond Fund – Class 2 Shares is available as a subaccount investment option under the following variable life insurance policies and variable annuity contracts: (1) W&R Advisors Accumulator Variable Universal Life; (2) W&R Advisors Retirement Builder Variable Annuity; (3) Minnesota Life Variable Universal Life Account (MLIC VGUL, SFG COLI VGUL); and (4) Securian Life Variable Universal Life Account (SLIC VGUL).
This supplement must be accompanied by, and used in conjunction with, the current variable life insurance policy or variable annuity contract prospectus. If you would like another copy of the current prospectus, please call us at 844-208-2412 (for individual life insurance policies), 844-878-2199 (for annuity contracts), or 800-843-8358 (for group life insurance policies). The prospectus and this supplement can also be found on the U.S. Securities and Exchange Commission’s website (www.sec.gov) by searching File Nos. 33-85496, 333-132009, 333-148646, 333-111067, and 333-144604.
Please retain this supplement for future reference.
F104741 08-2023
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Fees and Expenses |
Location in Prospectus | ||
Charges for Early Withdrawals |
If you surrender your Policy during the first ten Policy Years or
during the first ten years following an increase in Face
Amount, we will assess a Surrender Charge, which may
significantly reduce the Surrender Value. Because Policy Issue
Charges can be higher for Policies with greater Face Amounts,
the Surrender Charge, both as a dollar amount and as a
percentage of the Policy’s Face Amount, may increase for
Policies with higher Face Amounts. |
|||
|
For example, if you surrender your Policy within the first 10
Policy Years or during the first 10 years following an increase in
Face Amount, you could pay a Surrender Charge of up to
$6,000.00 based on a $100,000 Face Amount, representing a
charge of 6% of the Policy’s Face Amount.
|
| ||
|
If you have elected the Early Values Agreement, the Surrender
Value will not be reduced by the Surrender Charge. |
| ||
Transaction Charges |
In addition to Surrender Charges, we may assess certain
transaction charges. |
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|
•If you elect to make a Policy change, we may assess a Policy Transaction Charge, which is currently $60 per transaction; | |||
|
•if you elect to take a partial surrender, we may assess a Partial Surrender Transaction Charge, which is 2% of the surrendered amount (not to exceed $25); or |
| ||
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•if you transfer Accumulation Value among the Sub-Accounts and the Guaranteed Interest Account, we may assess a Transfer Transaction Charge, which will not exceed $25 (we currently do not assess this charge). |
| ||
Ongoing Charges and Expenses (annual charges) |
In addition to Surrender Charges and transaction charges, the
Policy is subject to certain ongoing charges and expenses,
including the Premium Charge, the Monthly Policy Charge, the
Policy Issue Charge, the Cost of Insurance Charge, a Mortality
and Expense Risk Charge, a Cash Extra Charge, and charges for
any Agreements you elect. These charges and fees are based on
the characteristics of the insured, including the insured's Age,
gender, Risk Class and Face Amount. |
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|
You should refer to your Policy data pages for rates that are
applicable to your Policy. |
| ||
|
The table below describes the total annual portfolio operating
expenses (expenses that are deducted from Portfolio assets
include management fees, distribution or service (12b-1) fees,
and other expenses) that you will pay while you own the Policy.
|
| ||
|
The table shows the minimum and maximum expenses (as a
percentage of Portfolio assets) charged by any of the Portfolios
for the fiscal year ended December 31, 2022. More details
concerning each Portfolio’s fees and expenses are
contained in Appendix A. |
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|
Annual Fee Portfolio Operating Expenses |
Minimum 0.45% |
Maximum 1.38% |
|
|
Risks |
Location in Prospectus |
Risk of Loss |
You have the risk that you can lose money by investing in the Policy. |
|
Not a Short-Term Investment |
The Policy is not a short-term investment and may not be appropriate for Policy Owners who need ready access to cash. The Policy combines both life insurance protection and the potential for the accumulation of cash values; however, it contains costs, such as cost of insurance, surrender charges, and other expenses that, in the short term, may reduce the amount of Accumulation Value available to the Policy Owner. |
|
Risks Associated with Investment Options |
The Policy Accumulation Value, to the extent invested in a Sub-Account, is subject to the risk of poor investment performance and can vary with the positive or negative investment experience of the corresponding Portfolio. Each investment option, including any of the Variable Account Sub-Accounts or the Guaranteed Interest Account, will each have its own unique risks. The Policy Owner should review these investment options before making an investment in the Policy. |
|
Insurance Company Risks |
Guarantees provided by Minnesota Life as to the benefits promised in the contract, such as payment of the Death Benefit, are subject to the claims paying ability of Minnesota Life and are subject to the risk that Minnesota Life may default on its obligations under those guarantees. The Guaranteed Interest Account and the Loan Account are part of our General Account. Our General Account consists of all assets owned by us other than those in the Variable Account and any other separate accounts which we may establish. Investors look to
the financial strength of Minnesota Life for its insurance guarantees. Information about Minnesota Life, and its financial strength ratings, are available upon request. You may call us at 1-844-208-2412 for additional information or visit our website
|
|
Contract Lapse |
There is the risk that the Policy may terminate. If your Policy terminates, no Death Benefit will be paid if the insured dies and all the Agreements added to the Policy will also terminate. As described in the “Termination” and “Reinstatement” sections of
this prospectus, Termination will only occur when the
Accumulation Value under the Policy, less the sum of any
outstanding policy loans and unpaid Policy Loan Interest, is
insufficient to cover the monthly charges, and the subsequent
Grace Period expires without sufficient payment being made to
keep the Policy in force. You may reinstate a terminated Policy,
subject to certain conditions, which include, providing
evidence of insurability satisfactory to us and payment of
premiums or repayment of Policy loans. Policy loans may
increase the risk that the Policy will terminate. If a Policy
terminates with an outstanding Policy loan, there may be
significant adverse tax consequences to the
Owner. |
|
Restrictions |
Location in Prospectus |
Investments |
•We reserve the right to limit transfers to and from the
Guaranteed Interest Account to one transfer per Policy Year.
We also reserve the right to restrict the dollar amount of any
transfer to or from the Guaranteed Interest
Account. |
|
Restrictions |
Location in Prospectus |
|
•We reserve the right to require that the amount
transferred to or from a Sub-Account or the Guaranteed
Interest Account be at least $250. |
|
|
•We reserve the right to remove a Sub-Account or substitute
another mutual fund or Portfolio for a
Sub-Account. |
|
Optional Benefits |
If you have added the LTC Agreement or the Accelerated Death Benefit for Chronic Illness Agreement, when you make a claim and we make a benefit payment, we will automatically transfer all of your Policy’s Accumulation Value that is in the Variable
Account to the Guaranteed Interest Account. If we are paying
benefits, you will only be able to allocate premium payments and
loan repayments to the Guaranteed Interest
Account. |
|
Taxes |
Location in Prospectus |
Tax Implications |
You should consult with a tax professional to determine the tax implications of an investment in and payments received under the Policy. Full and Partial Surrenders could be subject to ordinary income tax, and, if your Policy is a MEC, partial surrenders and loans could be subject to tax penalties. |
|
Conflicts of Interest |
Location in Prospectus |
Investment Professional Compensation |
We pay broker-dealers that sell our Policies a commission that is based upon the premium you pay for the Policy. The broker-dealers, in turn, pay their registered representatives all or
a portion of that commission for the sale. We may also pay
broker-dealers additional amounts in the form of revenue
sharing and marketing allowances for the sale of our Policies.
These broker-dealers and their registered representatives may
have a financial incentive to offer or recommend the Policy over
another investment. |
|
Exchanges |
Some registered representatives may have a financial incentive to offer you a new Policy in place of the one you may already own. You should only exchange your existing Policy if you determine, after comparing the features, fees, and risks of both policies, that it is preferable for you to purchase the new Policy rather than continue your existing policy. |
Agreement |
Available at Policy Issue |
Available post issue of the Policy |
Accelerated Death Benefit for Chronic Illness Agreement |
N/A – Policy no longer issued |
Not available |
Accelerated Death Benefit for Terminal Illness Agreement* |
N/A – Policy no longer issued |
Available |
Business Continuation Agreement |
N/A – Policy no longer issued |
Not available |
Death Benefit Guarantee Agreement** |
N/A – Policy no longer issued |
Not available |
Early Values Agreement |
N/A – Policy no longer issued |
Not available |
Family Term — Children |
N/A – Policy no longer issued |
Not available |
Guaranteed Insurability Option Agreement |
N/A – Policy no longer issued |
Not available |
Guaranteed Insurability Option for Business Agreement |
N/A – Policy no longer issued |
Not available |
Inflation Agreement |
N/A – Policy no longer issued |
Not available |
Interest Accumulation Agreement |
N/A – Policy no longer issued |
Not available |
Long Term Care Agreement |
N/A – Policy no longer issued |
Not available |
Overloan Protection Agreement |
N/A – Policy no longer issued |
Available |
Premium Deposit Account Agreement* |
N/A – Policy no longer issued |
Available |
Term Insurance Agreement |
N/A – Policy no longer issued |
Not available |
Waiver of Charges Agreement |
N/A – Policy no longer issued |
Not available |
Waiver of Premium Agreement |
N/A – Policy no longer issued |
Not available |
Charge |
When Charge is Deducted |
Amount Deducted | |
Guaranteed Charge* |
Current Charge | ||
Premium Charge(1) |
Upon premium payment, expressed as an amount of premium payment |
7 percent of premium payment |
4 percent of premium payment |
Policy Change Transaction Charge |
Upon change in Face Amount, Death Benefit option, or Risk Class |
$100 |
$60 |
When you surrender your Policy during the first 10 Policy Years |
For the Initial Face Amount or any Face Amount increase the sum of any remaining Policy Issue Charges for the Initial Face Amount or the Face Amount increase, as applicable, measured from policy Termination or full surrender to the end of the ten year surrender charge period
|
For the Initial Face amount or any Face Amount increase the sum of any remaining Policy Issue Charges for the Initial Face amount or the Face Amount increase, as applicable, measured from policy Termination or full surrender to the end of the ten year surrender charge period
| |
When you surrender your Policy during the first 10 Policy Years |
The surrender charge is equal to the lesser of (i) 60 times the Policy Issue Charge for the Initial Face Amount increase; or(ii) the sum of any remaining Policy Issue Charges for the Initial Face Amount or Face Amount increase multiplied by a factor of 2, as applicable. |
The surrender charge is equal to the lesser of (i) 60 times the Policy Issue Charge for the Initial Face Amount increase; or(ii) the sum of any remaining Policy Issue Charges for the Initial Face Amount or Face Amount increase multiplied by a factor of 2, as applicable. |
Charge |
When Charge is Deducted |
Amount Deducted | |
Guaranteed Charge* |
Current Charge | ||
Maximum Surrender Charge |
|
On a Policy with a $100,000 Face Amount, if you surrender the Policy within the first 10 Policy Years or during the first 10 years following an increase in Face Amount, you could pay a Surrender Charge of up to $6,000, representing a charge of 6 percent of the Policy’s Face Amount.
|
On a Policy with a $100,000 Face Amount, if you surrender the Policy within the first 10 Policy Years or during the first 10 years following an increase in Face Amount, you could pay a Surrender Charge of up to $6,000, representing a charge of 6 percent of the Policy’s Face Amount.
|
Partial Surrender Transaction Charge |
Upon partial surrender, expressed as a percentage of amount surrendered |
2 percent, not to exceed $25 |
2 percent, not to exceed $25 |
Transfer Transaction Charge |
Upon transfer |
$25 for each transfer |
Currently, no transfer transaction charge is assessed |
Overloan Protection Agreement |
|
|
|
Maximum Charge(2) |
Upon exercise of Agreement, expressed as a percentage of Policy Accumulation Value upon exercise of Agreement |
7 percent of Policy Accumulation Value upon exercise of Agreement |
5 percent |
Charge |
When Charge is Deducted |
Amount Deducted | |
Guaranteed Charge* |
Current Charge | ||
Monthly Policy Charge |
Monthly, expressed as an amount of Face Amount |
$12 plus $0.0125 per $1,000 |
$8 |
Policy Issue Charge(1) |
|
|
|
Maximum Charge(2) |
Monthly, within the first ten Policy Years, and within the first ten years of an increase in Face Amount, expressed as an amount of Initial Face Amount or Face Amount increase |
$0.53 per $1,000 |
$0.53 per $1,000 |
Minimum Charge(3) |
Monthly, within the first ten Policy Years, and within the first ten years of an increase in Face Amount, expressed as an amount of Initial Face Amount or Face Amount increase |
$0.04 per $1,000 |
$0.04 per $1,000 |
Charge for Insured Age 35 in Male, Preferred Select Non-Tobacco Risk Class, with Increasing Option Death Benefit |
Monthly, within the first ten Policy Years, and within the first ten years of an increase in Face Amount, expressed as an amount of Initial Face Amount or Face Amount increase |
$0.19 per $1,000 |
$0.19 per $1,000 |
Cost of Insurance Charge(4) |
|
|
|
Maximum Charge |
Monthly, expressed as an amount of Net Amount at Risk |
$83.33 per $1,000 |
$70.00 per $1,000 |
Minimum Charge |
Monthly, expressed as an amount of Net Amount at Risk |
$0.015 per $1,000(5) |
$.005 per $1,000 |
Charge for Insured Age 35 in Male, Preferred Select Non-Tobacco Risk Class |
Monthly, expressed as an amount of Net Amount at Risk |
$0.14 per $1,000 |
$0.03 per $1,000 |
Mortality and Expense Risk Charge |
Monthly, expressed as a percentage of Policy Accumulation Value |
0.90 percent annually (0.075 percent monthly) |
0.36 percent annually (.03 percent monthly) in Policy Years 1-10, and no charge thereafter |
Cash Extra Charge(6) |
|
|
|
Maximum Charge |
Monthly, expressed as an amount of Face Amount |
$100 per $1,000 |
$100 per $1,000 |
Minimum Charge |
Monthly |
$0 |
$0 |
Charge |
When Charge is
Deducted |
Amount Deducted | |
Guaranteed Charge* |
Current Charge | ||
Charge for Insured Age 35 in Male, Preferred Select Non-Tobacco Risk Class |
Monthly, expressed as an amount of Initial Face Amount |
$0.01 per $1,000 |
$0.01 per $1,000 |
Net Loan Interest Charge(7) |
Annually, on each Policy Anniversary, and upon a policy loan transaction, full surrender, policy Termination or death of the Insured |
The net loan interest we charge is 1.0 percent. |
The net loan interest we charge depends upon how long the policy has been in force. For policies in force less than or equal to ten years, the net loan interest charge is 1.0 percent. For policies in force for more than ten years, the net loan interest charge is 0.10 percent.(9) |
Charge for
Agreement(1) |
When Charge is
Deducted |
Amount Deducted | |
Guaranteed Charge* |
Current Charge | ||
Waiver of Premiums |
|
|
|
Maximum Charge(2) |
Monthly, expressed as an amount of Face Amount |
$0.51 per $1,000 |
$0.51 per $1,000 |
Minimum Charge(3) |
Monthly, expressed as an amount of Face Amount |
$0.01 per $1,000 |
$0.01 per $1,000 |
Charge for
Agreement(1) |
When Charge is
Deducted |
Amount Deducted | |
Guaranteed Charge* |
Current Charge | ||
Charge for Insured Age 30 in Male, Standard Non-Tobacco Risk Class, with Increasing Option Death Benefit |
Monthly, expressed as an amount of Face Amount |
$0.035 per $1,000 |
$0.035 per $1,000 |
Waiver of Charges |
|
|
|
Maximum Charge(4) |
Monthly, expressed as an amount of Face Amount |
$0.38 per $1,000 |
$0.38 per $1,000 |
Minimum Charge(5) |
Monthly, expressed as an amount of Face Amount |
$0.01 per $1,000 |
$0.01 per $1,000 |
Charge for Insured Age 30 in Male, Standard Non-Tobacco Risk Class, with Increasing Option Death Benefit |
Monthly, expressed as an amount of Face Amount |
$0.025 per $1,000 |
$0.025 per $1,000 |
Death Benefit Guarantee** |
|
|
|
Maximum Charge(6) |
Monthly, expressed as an amount of Net Amount at Risk |
$83.33 per $1,000 |
$7.00 per $1,000 |
Minimum Charge(7) |
Monthly, expressed as an amount of Net Amount at Risk |
$0.02 per $1,000 |
$0.01 per $1,000 |
Charge for Insured Age 55 in Male, Preferred Select Non-Tobacco Risk Class, with Increasing Option Death Benefit |
Monthly, expressed as an amount of Net Amount at Risk |
$0.14 per $1,000 |
$0.004 per $1,000 |
Term Insurance |
|
|
|
Maximum Charge(8) |
Monthly, expressed as an amount of Net Amount at Risk |
$83.33 per $1,000 |
$22.57 per $1,000 |
Minimum Charge(9) |
Monthly, expressed as an amount of Net Amount at Risk |
$0.015 per $1,000 |
$0.008 per $1,000 |
Charge for Insured Age 45 in Male, Preferred Select Non-Tobacco Risk Class, with Increasing Option Death Benefit |
Monthly, expressed as an amount of Net Amount at Risk |
$0.22 per $1,000 |
$0.07 per $1,000 |
Family Term Insurance — Children |
Monthly, expressed as an amount of coverage |
$0.40 per $1,000 |
$0.40 per $1,000 |
Interest Accumulation Agreement(10) |
|
|
|
Maximum Charge(11) |
Monthly, expressed as an amount of increased Net Amount at Risk provided by this Agreement |
$83.33 per $1,000 |
$70.00 per $1,000 |
Charge for
Agreement(1) |
When Charge is
Deducted |
Amount Deducted | |
Guaranteed Charge* |
Current Charge | ||
Minimum Charge(12) |
Monthly, expressed as an amount of increased Net Amount at Risk provided by this Agreement |
$.015 per $1,000 |
$.005 per $1,000 |
Charge for Insured Age 60 in Male, Standard Non-Tobacco Risk Class |
Monthly, expressed as an amount of increased Net Amount at Risk provided by this Agreement |
$0.82 per $1,000 |
$0.27 per $1,000 |
Early Values Agreement(13) |
Monthly, expressed as a percentage of the Accumulation Value less policy loan |
0.60 percent annually (0.05 percent monthly) |
0.12 percent annually (0.01 percent monthly) |
Guaranteed Insurability Option(14) |
|
|
|
Maximum Charge(15) |
Monthly, expressed as an amount of additional coverage |
$0.192 per $1,000 |
$0.192 per $1,000 |
Minimum Charge(16) |
Monthly, expressed as an amount of additional coverage |
$0.032 per $1,000 |
$0.032 per $1,000 |
Charge for Insured Age 0 in Male, Preferred Non-Tobacco Risk Class |
Monthly, expressed as an amount of additional coverage |
$0.032 per $1,000 |
$0.032 per $1,000 |
Long Term Care Agreement(17) |
|
|
|
Maximum Charge(18) |
Monthly, expressed as an amount of long term care Net Amount at Risk |
$3.619 per $1,000 |
$2.353 per $1,000 |
Minimum Charge(19) |
Monthly, expressed as an amount of long term care Net Amount at Risk |
$0.014 per $1,000 |
$0.00483 per $1,000 |
Charge for Insured Age 55 in Male, Standard Non-Tobacco Risk Class, 2 Percent Monthly Benefit Percentage |
Monthly, expressed as an amount of long term care Net Amount at Risk |
$0.287167 per $1,000 |
$0.11 per $1,000 |
Inflation Agreement(20) |
|
|
|
Maximum Charge |
Monthly |
$5.00 |
|
Minimum Charge |
Monthly |
$0.50 |
|
Current Charge for all Insureds |
Monthly |
$0.83 |
|
Business Continuation Agreement(21)*** |
|
|
|
Maximum Charge(22) |
Monthly, expressed as an amount of additional insurance coverage |
$0.328 per $1,000 |
$0.328 per $1,000 |
Charge for
Agreement(1) |
When Charge is
Deducted |
Amount Deducted | |
Guaranteed Charge* |
Current Charge | ||
Minimum Charge(23) |
Monthly, expressed as an amount of additional insurance coverage |
$0.0083 per $1,000 |
$0.0083 per $1,000 |
Charge for Insured Male, Standard Non-Tobacco, Age 40, Designated Insured Male Non-Tobacco, Age 40 |
Monthly, expressed as an amount of additional insurance coverage |
$0.013 per $1,000 |
$0.013 per $1,000 |
Guaranteed Insurability Option for Business(24)*** |
|
|
|
Maximum Charge(25) |
Monthly, expressed as an amount of additional insurance coverage |
$0.602 per $1,000 |
$0.602 per $1,000 |
Minimum Charge(26) |
Monthly, expressed as an amount of additional insurance coverage |
$0.065 per $1,000 |
$0.065 per $1,000 |
Charge for Insured Male Standard Non-Tobacco, Age 45 |
Monthly, expressed as an amount of additional insurance coverage |
$0.273 per $1,000 |
$0.273 per $1,000 |
Accelerated Death Benefit for Chronic Illness Agreement(27) |
|
|
|
Maximum Charge(28) |
Monthly, expressed as an amount of chronic illness Net Amount at Risk |
$3.619 per $1,000 |
$2.353 per $1,000 |
Minimum Charge(29) |
Monthly, expressed as an amount of chronic illness Net Amount at Risk |
$0.014 per $1,000 |
$0.00483 per $1,000 |
Charge for Insured Age 55 in Male, Standard Non-Tobacco Risk Class, 2 Percent Monthly Benefit Percentage |
Monthly, expressed as an amount of chronic illness Net Amount at Risk |
$0.287167 per $1,000 |
$0.11 per $1,000 |
Charge |
Minimum |
Maximum |
Total Annual Portfolio Operating Expenses (expenses that are deducted from
Portfolio assets include management fees, distribution or service (12b-1)
fees, and other expenses) |
0.45% |
1.38% |
State |
Rider or Feature |
Availability or Variation |
California |
Initial Premium Allocations |
The section titled “How are initial premiums allocated when your
policy is issued” is amended and restated in its entirely to read as
follows: |
|
|
Your net premiums will be placed in a fixed account or money market
fund, unless you direct us otherwise, for a period of no more than
30 days after the policy is delivered to you.
|
|
|
If you direct that the premium be invested in a stock or bond portfolio
during the 30-day period, and if you return the policy during that
period, you will be entitled to a refund of the
policy’s account value on the day the policy is
received. |
California |
Conversion |
The following section is added as the last paragraph of the Policy form: |
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|
May this policy be converted? |
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|
Yes. At any time during the first eighteen months of the variable life
insurance policy, while the insured is still living, you may exchange
this policy for a policy of permanent fixed benefits
insurance that was offered by us on the date of issue of the
variable life insurance policy and at the premium rates in
effect on that date for the same class of insurance. The face
amount for the new policy will be the same as the initial
amount of insurance on the variable life insurance policy. The
new policy shall bear the same date of issue and age at issue as the
original variable life insurance policy. Such agreements as
were included in the original policy shall be included in the
new policy, if such agreements are issued with the fixed
benefit policy. If the exchange results in an increase or
decrease in account value, such increase or decrease will be
payable to the insurer or the insured as the case may
be. |
California |
Accelerated Death Benefit for Chronic Illness Agreement |
The Accelerated Death Benefit for Chronic Illness Agreement is not available for sale in the state of California. |
Florida |
Restrictions on Transfers to and from General Account |
Our ability to restrict transfers to and from our General Account for
Policies issued in Florida include: (1) we many restrict the dollar
amount of any transfer to the Guaranteed Interest Account to
be no more than 20% of your Accumulation Value; and (2) we
may restrict the amount of any fixed interest rate loan
repayment allocated to the Guaranteed Interest Account to be
no more than 20% of your outstanding loan
balance. |
Sub-Account |
Annual Unit
Value Credit |
Delaware Ivy VIP Asset Strategy — Class II Shares |
0.12 |
Delaware Ivy VIP Balanced — Class II Shares |
0.12 |
Delaware Ivy VIP Core Equity — Class II Shares |
0.12 |
Delaware Ivy VIP Corporate Bond — Class II Shares |
0.12 |
Delaware Ivy VIP Energy — Class II Shares |
0.12 |
Delaware Ivy VIP Global Equity Income — Class II Shares |
0.12 |
Delaware Ivy VIP Global Growth — Class II Shares |
0.12 |
Delaware Ivy VIP Growth — Class II Shares |
0.12 |
Delaware Ivy VIP High Income — Class II Shares |
0.12 |
Delaware Ivy VIP International Core Equity — Class II Shares |
0.12 |
Delaware Ivy VIP Limited-Term Bond — Class II Shares |
0.12 |
Delaware Ivy VIP Mid Cap Growth — Class II Shares |
0.12 |
Delaware Ivy VIP Natural Resources — Class II Shares |
0.12 |
Delaware Ivy VIP Science and Technology — Class II Shares |
0.12 |
Delaware Ivy VIP Securian Real Estate Securities — Class II Shares |
0.12 |
Delaware Ivy VIP Small Cap Growth — Class II Shares |
0.12 |
Delaware Ivy VIP Smid Cap Core — Class II Shares |
0.12 |
Delaware Ivy VIP Value — Class II Shares |
0.12 |
Delaware Ivy VIP Pathfinder Aggressive — Class II Shares |
0.12 |
Delaware Ivy VIP Pathfinder Moderately Aggressive — Class II Shares |
0.12 |
Delaware Ivy VIP Pathfinder Moderate — Class II Shares |
0.12 |
Sub-Account |
Annual Unit Value Credit |
Delaware Ivy VIP Pathfinder Moderately Conservative — Class II Shares |
0.12 |
Delaware Ivy VIP Pathfinder Conservative — Class II Shares |
0.12 |
SFT International Bond — Class 2 |
0.00 |
Goldman Sachs VIT Government Money Market — Service Shares |
0.00 |
Age |
Limitation Percentage |
40 and under |
250% |
41 to 45 |
250% minus 7% for each year over Age 40 |
46 to 50 |
215% minus 6% for each year over Age 45 |
51 to 55 |
185% minus 7% for each year over Age 50 |
56 to 60 |
150% minus 4% for each year over Age 55 |
61 to 65 |
130% minus 2% for each year over Age 60 |
66 to 70 |
120% minus 1% for each year over Age 65 |
71 to 75 |
115% minus 2% for each year over Age 70 |
76 to 90 |
105% |
91 to 95 |
105% minus 1% for each year over Age 90 |
96 to 121 |
100% |
Name of Benefit |
Purpose |
Is Benefit
Standard or
Optional |
Brief Description of
Restrictions/Limitations |
Accelerated Death Benefit for Chronic Illness Agreement |
Allows the Policy Owner to accelerate the Death Benefit in the event the insured meets the requirements for being chronically ill |
Optional |
No longer available to purchase |
Name of Benefit |
Purpose |
Is Benefit Standard or Optional |
Brief Description of Restrictions/Limitations |
Accelerated Death Benefit for Terminal Illness Agreement |
Allows the Policy Owner to accelerate the Death Benefit in the event the insured is terminally ill |
Optional |
No longer available to purchase |
Business Continuation Agreement |
Guarantees the Policy Owner the right to increase the Face Amount of the Policy upon the death of a designated person |
Optional |
No longer available to purchase |
Death Benefit Guarantee Agreement |
Provides that under certain situations the Policy will remain in force even if the Accumulation Value is not sufficient to cover monthly charges when due |
Optional |
No longer available to purchase |
Early Values Agreement |
Waives the Surrender Charge that would ordinarily apply to the Policy |
Optional |
No longer available to purchase |
Family Term — Children |
Provides fixed level term insurance for insured’s children |
Optional |
No longer available to purchase |
Guaranteed Insurability Option Agreement |
Guarantees the Policy Owner the right to purchase additional amounts of insurance on the insured’s life without providing evidence of insurability |
Optional |
No longer available to purchase |
Guaranteed Insurability Option for Business Agreement |
Guarantees a business Policy Owner the right to purchase additional amounts of insurance on the insured’s life on specified dates without providing evidence of insurability |
Optional |
No longer available to purchase |
Inflation Agreement |
Allows for Cost of Living increases in the Face Amount of the Policy without providing evidence of the insured’s insurability |
Optional |
No longer available to purchase |
Interest Accumulation Agreement |
Provides an additional Death Benefit for Policy Owners that have elected the Sum of Premiums Death Benefit option |
Optional |
No longer available to purchase |
Name of Benefit |
Purpose |
Is Benefit Standard or Optional |
Brief Description of Restrictions/Limitations |
Long Term Care Agreement |
Allows the Policy Owner to accelerate the Death Benefit in the event the insured meets the requirements for being chronically ill |
Optional |
No longer available to purchase |
Overloan Protection Agreement |
Provides protection
against Policy
Termination in the event
Policy Charges exceed
the Policy Accumulation
Value |
Optional |
•Policy Owner must
elect the Guideline
Premium Test |
|
|
•Cannot have exercised
the Accelerated Death
Benefit for Terminal
Illness, or have waived
charges or Premiums
under the Waiver of
Premium or Waiver of
Charges Agreements | |
Premium Deposit Account Agreement |
Provides the Policy Owner with an option to deposit funds into an account to ensure that planned Premium payments are made on the Policy Anniversary |
Optional |
May only have one Premium Deposit Account per Policy |
Term Insurance Agreement |
Provides additional term insurance on the life of the insured |
Optional |
No longer available to purchase |
Waiver of Charges Agreement |
Provides for waiver of monthly charges in the event of the insured’s total and permanent disability |
Optional |
No longer available to purchase |
Waiver of Premium Agreement |
Provides monthly premium payments in the event of the insured’s total and permanent disability |
Optional |
No longer available to purchase |
Other Policy Features |
|
|
|
Dollar Cost Averaging |
Allows for allocation of money from the General Account to Sub-Accounts evenly over a period of time |
Optional |
Dollar cost averaging transfers will only take place on the third Friday of every month |
Rebalancing |
Automatically reallocates money among each of the chosen Sub-Accounts on set dates throughout the year |
Optional |
Rebalancing is subject to our limitations on market-timing and frequent trading activities and Portfolio limitations on the frequent purchase and redemption of shares |
Name of Benefit |
Purpose |
Is Benefit Standard or Optional |
Brief Description of Restrictions/Limitations |
Systematic Transfers |
Automatically transfers money from one Sub-Account to one or more other Sub-Accounts on specified dates |
Optional |
Systematic transfers are subject to our limitations on market-timing and frequent trading activities and Portfolio limitations on the frequent purchase and redemption of shares |
Anniversary Nearest Insured’s Age |
Percentage |
Prior to Age 76 |
100% |
Age 76 |
80% |
Age 77 |
60% |
Age 78 |
40% |
Age 79 |
20% |
Age 80 |
0% |
|
Option Dates | |||||||||||
Issue Age |
22 |
25 |
28 |
31 |
34 |
37 |
40 |
43 |
46 |
49 |
52 |
55 |
18-21 |
√ |
√ |
√ |
√ |
√ |
|
|
|
|
|
|
|
22-24 |
|
√ |
√ |
√ |
√ |
√ |
|
|
|
|
|
|
25-27 |
|
|
√ |
√ |
√ |
√ |
√ |
|
|
|
|
|
|
|
|
√ |
√ |
√ |
√ |
√ |
|
|
|
| |
31-33 |
|
|
|
|
√ |
√ |
√ |
√ |
√ |
|
|
|
34-36 |
|
|
|
|
|
√ |
√ |
√ |
√ |
√ |
|
|
37-39 |
|
|
|
|
|
|
√ |
√ |
√ |
√ |
√ |
|
40-42 |
|
|
|
|
|
|
|
√ |
√ |
√ |
√ |
√ |
43-45 |
|
|
|
|
|
|
|
|
√ |
√ |
√ |
√ |
46-48 |
|
|
|
|
|
|
|
|
|
√ |
√ |
√ |
|
|
|
|
|
|
|
|
|
|
√ |
√ | |
52 |
|
|
|
|
|
|
|
|
|
|
|
√ |
Annual Premium
Payment Year |
Annual Premium
to be Paid |
Amount Withdrawn
from PDA |
Taxable Interest
Earned |
2 |
$10,000.00 |
$9,732.36 |
$267.64 |
3 |
$10,000.00 |
$9,471.88 |
$528.12 |
4 |
$10,000.00 |
$9,218.38 |
$781.62 |
5 |
$10,000.00 |
$8,971.66 |
$1,028.34 |
6 |
$10,000.00 |
$8,731.54 |
$1,268.46 |
7 |
$10,000.00 |
$8,497.85 |
$1,502.15 |
8 |
$10,000.00 |
$8,270.41 |
$1,729.59 |
9 |
$10,000.00 |
$8,049.06 |
$1,950.94 |
10 |
$10,000.00 |
$7,833.64 |
$2,166.36 |
Investment Objective |
Portfolio Company and
Adviser/Subadviser |
Current
Expenses1 |
Average Annual Total Returns
(as of December 31, 2022) | ||
|
|
|
1 year |
5 year |
10 year |
Goldman Sachs Variable Insurance Trust | |||||
Seeks to maximize current income to
the extent consistent with the
preservation of capital and the
maintenance of liquidity by investing
exclusively in high quality money
market instruments. |
Goldman Sachs VIT Government
Money Market
Fund – Service Shares Investment Adviser: Goldman Sachs
Asset Management, L.P. |
0.43%2 |
1.37% |
0.99% |
0.55% |
Ivy Variable Insurance Portfolios |
|||||
To seek to provide total return. |
Delaware Ivy VIP Asset
Strategy –
Class II Shares
Investment Adviser: Delaware Management Company Subadviser: Macquarie Investment
Management Austria Kapitalanlage
AG, Macquarie Funds Management
Hong Kong Limited, Macquarie
Investment Management Global
Limited, and Macquarie Investment
Management Europe Limited |
0.87%2 |
-14.71% |
4.32% |
4.46% |
To seek to provide total return through
a combination of capital appreciation
and current income. |
Delaware Ivy VIP Balanced
– Class
II Shares Investment Adviser: Delaware Management Company Subadviser: Macquarie Investment
Management Austria Kapitalanlage
AG, Macquarie Funds Management
Hong Kong Limited, Macquarie
Investment Management Global
Limited, and Macquarie Investment
Management Europe Limited |
1.06%2 |
-16.11% |
5.57% |
7.05% |
To seek to provide capital growth and
appreciation. |
Delaware Ivy VIP Core Equity
– Class
II Shares Investment Adviser: Delaware Management Company Subadviser: Macquarie Funds
Management Hong Kong Limited and
Macquarie Investment Management
Global Limited |
0.95%2 |
-17.33% |
10.15% |
11.44% |
Investment Objective |
Portfolio Company and
Adviser/Subadviser |
Current
Expenses1 |
|||
|
|
|
1 year |
5 year |
10 year |
To seek to provide current income
consistent with preservation of capital. |
Delaware Ivy VIP Corporate
Bond –
Class II Shares Investment Adviser: Delaware Management Company Subadviser: Macquarie Investment
Management Austria Kapitalanlage
AG, Macquarie Investment
Management Global Limited, and
Macquarie Investment Management
Europe Limited |
0.80% |
-15.86% |
0.37% |
1.21% |
To seek to provide capital growth and
appreciation. |
Delaware Ivy VIP Energy
– Class II
Shares
Investment Adviser: Delaware Management Company Subadviser: Macquarie Funds
Management Hong Kong Limited and
Macquarie Investment Management
Global Limited |
1.23% |
50.42% |
-1.66% |
-0.39% |
To seek to provide total return through
a combination of current income and
capital appreciation. |
Delaware VIP Global Value
Equity –
Class II Shares Investment Adviser: Delaware Management Company Subadviser: Macquarie Funds
Management Hong Kong Limited and
Macquarie Investment Management
Global Limited |
1.04%2 |
-11.32% |
3.08% |
7.21% |
To seek to provide growth of capital. |
Delaware Ivy VIP Global
Growth –
Class II Shares
Investment Adviser: Delaware Management Company Subadviser: Macquarie Funds
Management Hong Kong Limited and
Macquarie Investment Management
Global Limited |
1.13%2 |
-17.49% |
6.72% |
7.60% |
To seek to provide growth of capital. |
Delaware Ivy VIP Growth
– Class II
Shares
Investment Adviser: Delaware Management Company Subadviser: Macquarie Funds
Management Hong Kong Limited and
Macquarie Investment Management
Global Limited |
1.00% |
-27.24% |
11.53% |
13.96% |
Investment Objective |
Portfolio Company and
Adviser/Subadviser |
Current
Expenses1 |
|||
|
|
|
1 year |
5 year |
10 year |
To seek to provide total return through
a combination of high current income
and capital appreciation. |
Delaware Ivy VIP High Income
– Class
II Shares Investment Adviser: Delaware Management Company Subadviser: Macquarie Investment
Management Austria Kapitalanlage
AG, Macquarie Investment
Management Global Limited, and
Macquarie Investment Management
Europe Limited |
0.92% |
-11.12% |
1.70% |
3.56% |
To seek to provide capital growth and
appreciation. |
Delaware Ivy VIP
International
Core Equity – Class II
Shares Investment Adviser: Delaware Management Company Subadviser: Macquarie Funds
Management Hong Kong Limited and
Macquarie Investment Management
Global Limited |
1.17%2 |
-14.32% |
0.45% |
4.80% |
To seek to provide current income
consistent with preservation of capital. |
Delaware Ivy VIP Limited-Term
Bond –
Class II Shares Investment Adviser: Delaware Management Company Subadviser: Macquarie Investment
Management Austria Kapitalanlage
AG, Macquarie Investment
Management Global Limited, and
Macquarie Investment Management
Europe Limited |
0.81%2 |
-4.20% |
0.84% |
0.88% |
To seek to provide growth of capital. |
Delaware Ivy VIP Mid Cap
Growth –
Class II Shares Investment Adviser: Delaware Management Company Subadviser: Macquarie Funds
Management Hong Kong Limited and
Macquarie Investment Management
Global Limited |
1.10%2 |
-30.78% |
10.59% |
11.39% |
To seek to provide capital growth and
appreciation. |
Delaware Ivy VIP Natural
Resources
– Class II Shares Investment
Adviser: Delaware Management Company Subadviser: Macquarie Funds
Management Hong Kong Limited and
Macquarie Investment Management
Global Limited |
1.25% |
17.72% |
1.98% |
0.23% |
Investment Objective |
Portfolio Company and
Adviser/Subadviser |
Current
Expenses1 |
|||
|
|
|
1 year |
5 year |
10 year |
To seek to provide growth of capital. |
Delaware Ivy VIP Science and
Technology
– Class II Shares Investment
Adviser: Delaware Management Company Subadviser: Macquarie Funds
Management Hong Kong Limited and
Macquarie Investment Management
Global Limited |
1.17% |
-31.83% |
8.53% |
12.18% |
To seek to provide total return through
capital appreciation and current
income. |
Delaware VIP Real Estate
Securities
– Class II Shares Investment
Adviser: Delaware Management Company Subadviser: Securian Asset
Management, Inc. |
1.21%2 |
-24.87% |
4.20% |
6.41% |
To seek to provide growth of capital. |
Delaware Ivy VIP Small Cap
Growth –
Class II Shares Investment Adviser: Delaware Management Company Subadviser: Macquarie Funds
Management Hong Kong Limited and
Macquarie Investment Management
Global Limited |
1.14%2 |
-26.83% |
4.38% |
8.83% |
To seek to provide capital appreciation. |
Delaware Ivy VIP Smid Cap
Core –
Class II Shares
Investment Adviser: Delaware Management Company Subadviser: Macquarie Funds
Management Hong Kong Limited and
Macquarie Investment Management
Global Limited |
1.22% |
-14.84% |
4.14% |
9.25% |
To seek to provide capital appreciation. |
Delaware Ivy VIP Value
– Class II
Shares
Investment Adviser: Delaware Management Company Subadviser: Macquarie Funds
Management Hong Kong Limited and
Macquarie Investment Management
Global Limited |
1.01% |
-4.90% |
8.31% |
10.40% |
To seek to provide growth of capital
consistent with a more aggressive level
of risk as compared to the other Ivy VIP
Pathfinder Portfolios. |
Delaware Ivy VIP Pathfinder
Aggressive
– Class II Shares* Investment
Adviser: Delaware Management Company Subadviser: Macquarie Investment
Management Austria Kapitalanlage
AG, Macquarie Funds Management
Hong Kong Limited, Macquarie
Investment Management Global
Limited, and Macquarie Investment
Management Europe Limited |
0.95% |
-16.72% |
6.22% |
8.55% |
Investment Objective |
Portfolio Company and
Adviser/Subadviser |
Current
Expenses1 |
|||
|
|
|
1 year |
5 year |
10 year |
To seek to provide growth of capital,
but also to seek income consistent with
a moderately aggressive level of risk as
compared to the other Ivy VIP
Pathfinder Portfolios. |
Delaware Ivy VIP Pathfinder
Moderately
Aggressive – Class II Shares* Investment Adviser: Delaware
Management Company
Subadviser: Macquarie Investment Management Austria Kapitalanlage AG, Macquarie Funds Management Hong Kong Limited, Macquarie Investment Management Global Limited, and Macquarie Investment Management Europe Limited |
0.78% |
-15.90% |
5.53% |
7.55% |
To seek to provide total return
consistent with a moderate level of risk
as compared to the other Ivy VIP
Pathfinder Portfolios. |
Delaware Ivy VIP Pathfinder
Moderate
– Class II Shares* Investment
Adviser: Delaware Management Company Subadviser: Macquarie Investment
Management Austria Kapitalanlage
AG, Macquarie Funds Management
Hong Kong Limited, Macquarie
Investment Management Global
Limited, and Macquarie Investment
Management Europe Limited |
0.77% |
-15.26% |
4.91% |
6.68% |
To seek to provide growth of capital
consistent with a moderately
conservative level of risk as compared
to the other Ivy VIP Pathfinder
Portfolios. |
Delaware Ivy VIP Pathfinder
Moderately
Conservative – Class II Shares* Investment Adviser: Delaware
Management Company
Subadviser: Macquarie Investment Management Austria Kapitalanlage AG, Macquarie Funds Management Hong Kong Limited, Macquarie Investment Management Global Limited, and Macquarie Investment Management Europe Limited |
0.86% |
-14.71% |
4.35% |
5.84% |
To seek to provide total return
consistent with a conservative level of
risk as compared to the other Ivy VIP
Pathfinder Portfolios. |
Delaware Ivy VIP Pathfinder
Conservative
– Class II Shares* Investment
Adviser: Delaware Management Company Subadviser: Macquarie Investment
Management Austria Kapitalanlage
AG, Macquarie Funds Management
Hong Kong Limited, Macquarie
Investment Management Global
Limited, and Macquarie Investment
Management Europe Limited |
0.83% |
-14.09% |
3.70% |
4.97% |
Investment Objective |
Portfolio Company and
Adviser/Subadviser |
Current
Expenses1 |
|||
|
|
|
1 year |
5 year |
10 year |
Securian Funds Trust | |||||
Seeks to maximize current income,
consistent with the protection of
principal. |
SFT International Bond Fund
– Class 2
Shares Investment Adviser: Securian Asset Management, Inc. Subadviser: Brandywine Global
Investment Management, LLC |
1.28% |
-10.49% |
-3.71% |
-1.72% |
Name and Principal
Business Address |
Position and Offices
with Minnesota Life |
Second Vice President, Corporate Compliance Officer and Chief Privacy Officer | |
Second Vice President –
Individual Solutions | |
Vice President – Business Services | |
Senior Vice President – Enterprise Technology | |
Second Vice President – Enterprise Business Development | |
Second Vice President – Law | |
Director | |
Second Vice President – Financial Planning and Analysis | |
Second Vice President – CCO Individual Solutions | |
Second Vice President – Institutional Market Technology | |
Executive Vice President – Individual Solutions |
Name and Principal Business Address |
Position and Offices with Minnesota Life |
Vice President – Operations | |
Senior Vice President – Risk and Actuarial | |
Second Vice President – Retail Market Technology | |
Vice President – CFO and Actuary – Individual Solutions | |
Benjamin G. S. Fowke III Chairman, President and CEO
Xcel Energy, Inc. 414 Nicollet Mall, 401-9 |
Director |
Executive Vice President and Chief Administrative Officer – Enterprise Marketing | |
Second Vice President – Law | |
Senior Vice President – Employee Benefit Solutions | |
Sara H. Gavin President, North America Weber Shandwick 510 Marquette Avenue 13F |
Director |
Vice President – Affinity Solutions | |
Director | |
Vice President – Talent Management |
Name and Principal Business Address |
Position and Offices with Minnesota Life |
Director, Chairman of the Board, President and CEO | |
Second Vice President – Voluntary Benefits Practice Leader | |
Second Vice President – Affinity Solutions | |
Second Vice President and Actuary – Business Services | |
Second Vice President and Chief Actuary | |
Second Vice President – Chief Information Security Officer | |
Vice President – Technology Infrastructure and Enterprise Solutions | |
Vice President – Chief Transformation Officer | |
Vice President – Distribution and Relationship Management, Group Benefits | |
Second Vice President – Enterprise Marketing | |
Director, Attorney-in-Fact, Senior Vice President, General Counsel and Secretary | |
Vice President and Actuary – CFO Group Benefits |
Name and Principal Business Address |
Position and Offices with Minnesota Life |
Second Vice President and Treasurer | |
Second Vice President – Total Rewards | |
Second Vice President – Group Benefits | |
Second Vice President – Retail Life and Annuity Sales | |
Second Vice President and Chief Risk Officer | |
Second Vice President – Law | |
Second Vice President – Enterprise Strategy | |
Director | |
Vice President and Actuary – Reinsurance | |
Chief Product and Revenue Officer | |
Second Vice President – Chief Audit Executive | |
Second Vice President – Securian Business Services | |
Vice President – Human Resources |
Name and Principal Business Address |
Position and Offices with Minnesota Life |
Second Vice President and Actuary, Group National Account Underwriting | |
Second Vice President – Business Operations Employee Benefits Solutions | |
Katia O. Walsh Chief Strategy and Artificial Intelligence Officer, Global Leadership Team Levi Strauss & Co. 115 Battery Street |
Director |
Director | |
Vice President, Controller and Chief Accounting Officer | |
Director, Executive Vice President and CFO |
Name and Principal Business Address |
Positions and Offices with Underwriter |
Executive Vice President, Chief Compliance Officer, Anti-Money Laundering Compliance Officer and Chief Information Officer | |
President, Chief Executive Officer and Director | |
Vice President, Chief Financial Officer, Treasurer and Financial Operations Principal | |
Vice President | |
Director | |
Director |
Name of
Principal Underwriter |
Net Underwriting
Discounts and
Commissions |
Compensation on
Redemption |
Brokerage
Commissions |
Other
Compensation |
Securian Financial Services, Inc. |
$52,762,599 |
— |
— |
— |
Signature |
Title |
Date |
Chairman of the Board, President and Chief Executive Officer |
||
* Mary K. Brainerd |
Director |
|
* Robert J. Ehren |
Director |
|
* Benjamin G.S. Fowke III |
Director |
|
* Sara H. Gavin |
Director |
|
* Eric B. Goodman |
Director |
Signature |
Title |
Date |
Director |
||
* Trudy A. Rautio |
Director |
|
* Katia O. Walsh |
Director |
|
* Kevin F. Warren |
Director |
|
Director |
||
Executive Vice President and Chief Financial Officer (chief financial officer) |
||
Vice President and Controller (chief accounting officer) |
||
Second Vice President and Treasurer (treasurer) |
||
Director, Attorney-in-Fact, Senior Vice President, General Counsel and Secretary |
Exhibit Number |
Description of Exhibit |
30 (a) |
|
30 (b) |
Not Applicable. |
30 (c) (1) |
|
30 (c) (2) |
|
30 (c) (3) |
|
30 (d) (1) |
|
30 (d) (2) |
|
30 (d) (3) |
Reserved. |
30 (d) (4) |
|
30 (d) (5) |
|
30 (d) (6) |
|
30 (d) (7) |
|
30 (d) (8) |
|
30 (d) (9) |
|
30 (d) (10) |
Exhibit Number |
Description of Exhibit |
30 (d) (11) |
|
30 (d) (12) |
|
30 (d) (13) |
|
30 (d) (14) |
|
30 (d) (15) |
|
30 (d) (16) |
|
30 (d) (17) |
|
30 (d) (18) |
|
30 (d) (19) |
|
30 (d) (20) |
|
30 (d) (21) |
|
30 (d) (22) |
|
30 (d) (23) |
|
30 (d) (24) |
Exhibit Number |
Description of Exhibit |
30 (e) (1) |
|
30 (e) (2) |
|
30 (e) (3) |
|
30 (e) (4) |
|
30 (e) (5) |
|
30 (e) (6) |
|
30 (e) (7) |
|
30 (e) (8) |
|
30 (e) (9) |
|
30 (e) (10) |
|
30 (f) (1) |
|
30 (f) (2) |
|
30 (g) (1) |
Exhibit Number |
Description of Exhibit |
30 (g) (2) |
|
30 (g) (3) |
|
30 (g) (4) |
|
30 (g) (5) |
|
30 (h) (1) (i) |
|
30 (h) (1) (ii) |
|
30 (h) (1) (iii) |
|
30 (h) (1) (iv) |
|
30 (h) (1) (v) |
|
30 (h) (1) (vi) |
|
30 (h) (1) (vii) |
Exhibit Number |
Description of Exhibit |
30 (h) (1) (viii) |
|
30 (h) (1) (ix) |
|
30 (h) (1) (x) |
|
30 (h) (1) (xi) |
|
30 (h) (1) (xii) |
|
30 (h) (2) (i) |
|
30 (h) (2) (ii) |
|
30 (h) (3) (i) |
|
30 (h) (3) (ii) |
|
30 (h) (3) (iii) |
|
30 (h) (3) (iv) |
|
Exhibit Number |
Description of Exhibit |
30 (h) (3) (v) |
|
30 (h) (3) (vi) |
|
30 (h) (3) (vii) |
|
30 (h) (3) (viii) |
|
30 (i) (1) (i) |
|
30 (i) (2) (i) |
|
30 (i) (2) (ii) |
|
30 (j) |
Not Applicable. |
30 (k) |
|
30 (l) |
Not Applicable. |
30 (m) |
Not Applicable. |
30 (n) |
|
30 (o) |
Not Applicable. |
30 (p) |
Not Applicable. |
30 (q) |
|
30 (r) |
Not Applicable. |
30 (s) |
This ‘485BPOS’ Filing | Date | Other Filings | ||
---|---|---|---|---|
12/31/25 | ||||
9/29/23 | ||||
Filed on / Effective on: | 8/30/23 | 485BPOS | ||
5/1/23 | 485BPOS, 497J | |||
2/15/23 | ||||
12/31/22 | 24F-2NT, N-CEN, N-VPFS | |||
12/31/21 | 24F-2NT, N-CEN, N-VPFS | |||
8/17/18 | ||||
12/31/17 | 24F-2NT, NSAR-U | |||
8/22/15 | 485BPOS | |||
5/16/15 | ||||
1/30/15 | ||||
8/19/13 | ||||
4/29/11 | 485BPOS | |||
6/11/07 | ||||
7/30/02 | ||||
10/1/98 | ||||
List all Filings |