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The Phoenix Companies, Inc. is a boutique life insurance and annuity company serving customers' retirement and protection needs. Our products are available through select independent distributors.
|The rising costs of long term care pose one of the biggest threats to retirees’ savings, yet fewer than 5% of Americans have planned for these expenses.
Source: American Association for LTC Insurance, 2011 LTC Sourcebook
|Phoenix’s Personal Protection Choice annuity helps people
protect their savings by offering guaranteed lifetime income and
enhanced withdrawals if faced with a need for nursing care.1
|For more information on Personal Protection Choice visit PhoenixSalesNet or call our Sales Desk at 888-794-4447, option 1.|
|1.Riders are optional and must be elected at issue. Availability varies by state. They involve an additional fee that may vary by rider and is deducted annually from your contract value.
2.This is not a qualified long term care benefit under the Internal Revenue Code. Proof of qualification must be submitted each year to receive this benefit. Must be certified by a physician as impaired or unable to perform at least 2 of the 6 activities of daily living (ADLs). Care must be provided by a licensed caregiver and cannot be an immediate member of your family. See the contract for qualifying criteria. Care Protection benefit may be exercised after the second contract anniversary.
3.Withdrawals are taken from contract value and will reduce the death benefit. Over time contract value and Benefit Base could be withdrawn entirely, leaving no death benefit. The death benefit is not life insurance and is includable in ordinary taxable income to beneficiaries.
|For producer use only. Not for distribution to the public as sales literature.
Guarantees are based on the claims-paying ability of PHL Variable Insurance Company (PHLVIC) (Hartford, CT). PHLVIC is not authorized to conduct business in Maine and New York.
Members of The Phoenix Companies, Inc. ©2012 The Phoenix Companies, Inc. BPD38585
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