Why Partner with SunAmerica
Variable Annuities?
Performance, Protection, Strength
Why Partner with SunAmerica & Polaris?
 Performance
 Respected money managers, 40+ investment options
crossing 12 asset classes, plus professionally
designed asset allocation models
 Protection
 Innovative optional features for retirement income and
for protecting beneficiaries
 Strength
 SunAmerica is financially strong and stable with a
long track record of success
For broker/dealer use only.
Not to be used with the public.
Why Partner with SunAmerica?
 What your SunAmerica wholesaler can do to
support your business:
 Product knowledge
 Marketing support
 Value add programs
 Client seminars and meetings
For broker/dealer use only.
Not to be used with the public.
3 Considerations When Choosing a
Variable Annuity Carrier
 Financial stability
 Competitiveness of product/features
 Performance of the investment options
For broker/dealer use only.
Not to be used with the public.
Financial Stability
 SunAmerica Annuity and its sister domestic life
companies rank as the third largest life insurance
organization in the U.S.
 SunAmerica Annuity is financially strong with capital
reserves in excess of that required by state regulators
 Cash and short-term investments total $1.1 billion and
represent more than one quarter of SunAmerica Annuity’s
general account portfolio
 93% of SunAmerica Annuity’s $2.0 billion bond portfolio is
invested in investment grade bonds
For broker/dealer use only.
Not to be used with the public.
Competitiveness of Product/Features
Polaris offers three share classes
 Polaris Platinum III
 “B-share” (7-year withdrawal charge schedule)
 1.30% M&E fee
 Polaris Choice III
 “L-share” (4-year withdrawal charge schedule)
 1.52% M&E fee
 Polaris Advantage
 “Bonus” product (9-year withdrawal charge schedule)
 1.65% M&E fee
 4.5% bonus up to $249,999; 5.5% for $250,000 to
$499,999; 6.5% for $500,000+
Summary information only as of 10/01/09. Please see prospectus for details.
For broker/dealer use only.
Not to be used with the public.
Competitiveness of Products/Features
MarketLock Income Plus
 6% income credit for up to 10 years
 Annual market step-ups through age 90
 Annual withdrawals:
 45-64: 4% for life (single or joint)
 65+: 5% for life (single) 4.75% (joint)
 Uniqueness of feature: partial income credit available
even in years withdrawals are taken (provided
withdrawals are taken within feature’s parameters)
 “RMD friendly” provided withdrawals taken within
feature’s parameters
Note: upon each extension of the feature’s income credit period or evaluation period, the feature’s fee and
investment requirements may change. Please see a prospectus for complete details.
For broker/dealer use only.
Not to be used with the public.
Competitiveness of Product/Feature
Recent enhancements to Polaris
 MarketLock For Life: Low cost GMWB: 0.70% single life,
0.95% joint life
 2-year enhanced DCA Fixed account
 Combination HV & Roll-up Death Benefit option
 Offers 5% growth or maximum anniversary value
 Maximum Anniversary Value Death Benefit now adjusted
for withdrawals “dollar for dollar” with GMWB features
 Investment requirements for GMWB features now
include option to build a customized portfolio
For broker/dealer use only.
Not to be used with the public.
Performance
 AllianceBernstein
 American Funds (Capital
Research and Management
Company)
 Columbia
 Davis
 Edge
 Federated
 Franklin Templeton
 Goldman Sachs
 JP Morgan
For broker/dealer use only.
Not to be used with the public.
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Lord Abbett
MacKay Shields
Marsico
MFS
Oppenheimer
PIMCO
Putnam
SunAmerica Asset Mgmt
Van Kampen
Wellington
Wells Capital
Performance
Van Kampen Life Investment Trust—Class II shares 2 The American Funds SunAmerica Series Trust (SAST) portfolios (“Feeder Funds”) do not invest directly in
individual securities; instead they invest all of their assets in corresponding funds (“Master Funds”) of the American Funds Insurance Series (“AFIS”). Investing in a
Feeder Fund will result in higher fees and expenses than investing directly in a Master Fund. Please see the prospectus and Statement of Additional Information for
more information regarding the master-feeder fund structure.
1
For broker/dealer use only.
Not to be used with the public.
Performance
For broker/dealer use only.
Not to be used with the public.
For broker/dealer use only.
Not to be used with the public.
Supporting Your Business
 American Speaks Out
on Retirement
For broker/dealer use only.
Not to be used with the public.
Supporting Your Business
 R.A.M.P
Retention, Acquisition,
Marketing, Practice
Management
For broker/dealer use only.
Not to be used with the public.
Supporting Your Business
 Emarketing site for
personalized mailers
For broker/dealer use only.
Not to be used with the public.
Supporting Your Business
 Advanced Marketing
For broker/dealer use only.
Not to be used with the public.
Important Information
Polaris Variable Annuities are sold by prospectus only. The prospectus
contains the investment objectives, risks, fees, charges, expenses and
other information regarding the contract and underlying funds, which
should be considered carefully before investing. A prospectus may be
obtained by calling 1-888-502-2900. Clients should read the prospectus
carefully before investing.
Annuities are designed for long-term retirement investing. Withdrawals of taxable amounts are subject
to ordinary income tax and, if taken prior to age 59½, a 10% federal tax penalty may apply. Early
withdrawals may be subject to withdrawal charges. Partial withdrawals also reduce benefits available
under the contract as well as the amount available upon a full surrender. An investment in Polaris
involves investment risk, including possible loss of principal.
Polaris Variable Annuities are issued by SunAmerica Annuity and Life Assurance Company. Products
and features may not be available in all states. The contract, when redeemed, may be worth more or
less than the total amount invested. The purchase of Polaris is not required for, and is not a term of,
the provision of any banking service or activity. Distributed by SunAmerica Capital Services, Inc.
Not FDIC or NCUA/NCUSIF Insured
May Lose Value • No Bank or Credit Union Guarantee • Not a
Deposit • Not insured by any Federal Government Agency
For broker/dealer use only.
Not to be used with the public.
R4034WBP (9/09)