HH-HW-02-D // Equity Sub-Accounts

Variable Annuities (VA)

Direct equity market participation with institutional sub-account management and unlimited tax-deferred wealth accumulation capacity.

No Limits

Unlimited Contributions

Non-qualified Variable Annuities are not constrained by IRS annual contribution ceilings. Deploy substantial capital into tax-deferred market accounts.

Sub-Accounts

Active Management

Allocate capital across professional equity, bond, and international sub-account portfolios managed by major institutional asset managers.

Tax Efficiency

Zero Trade Friction

Rebalance allocations, capture dividends, and rotate sectors inside the contract with zero annual capital gains tax drag until distribution.

*Variable Annuities are securities subject to market risk, including possible loss of principal. Investment returns and principal value will fluctuate. Investors should consider investment objectives, risks, charges, and expenses carefully before investing. For a prospectus containing this and other important information, contact our desk. Read it carefully before investing. Guarantees are based on the claims-paying ability of the issuing life insurance company.

Evaluate Variable Allocations

Analyze sub-account performance and underlying fee structures.