Between different variable annuity contracts, why does the rate of return for the same investment option differ?
Annualized rates of return may differ because the fees and expenses associated with the particular investment option are different under the two products. Check your policy/contract prospectus or disclosure brochure for detail on the fees and expenses of the investment portfolios. Note that Annualized Rates of Return are not representative of the actual return you would receive under your policy. Changes in policy values depend not only on the investment performance of the various options, but also on applicable insurance and administrative charges, applicable sales charges and the mortality and expense risk charges that are deducted. Premiums or contributions made to your policy, as well as any loans or withdrawals, will also affect its values.
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