LegacyGram Need-to-know information critical to your business.

January 20, 2012

CommandMarkSM Changes Enhance Competitiveness

Combination of strong rider and premium bonus options differentiate product in today’s market.

Effective with premium received February 21, 2012, some of the CommandMark Series product features will change in order to enhance the product’s competitive strength in today’s environment. As a result, the product and the Income Command RiderSM will remain a powerful option for consumers seeking retirement income guarantees and some of the strongest premium bonus options in today’s market.

CommandMark Series Commission Changes
Product GA-Level Commissions
Ages 0–75 Ages 76–80 Ages 81–85
 CommandMark 8.00% 6.00% 4.00%
 CommandMark 8 7.50 5.63 3.75
 CommandMark Plus
 (Formerly CommandMark 12)		 7.00 5.25 3.50
 CommandMark LT 7.50 5.63 3.75
 CommandMark LT 5 7.00 5.25 3.50
 CommandMark LT 8 6.50 4.88 3.25

Income Command Rider Features

Product Roll-up % Roll-up
Period		 Restart
Period		 Rider Cost Guaranteed Income
Withdrawal %
 CommandMark
 CommandMark LT		 10.00%
compound		 First 6
contract years		 6 years 0.95% See
below.
 CommandMark 8
 CommandMark Plus
  (Formerly CommandMark 12)
 CommandMark LT 5
 CommandMark LT 8
 		7.50%
compound		 First 10
contract years		 10 years 0.95% See
below.
The roll-up % applies to the Income Base, which is used only to calculate rider fees and benefits and is not a guarantee of contract value or available for withdrawal. The restart roll-up rate may be lower or higher than the current roll-up rate, but is guaranteed never to be less than 3%.

Rider cost is calculated as a percentage of the Income Base and is deducted from the annuity value annually. The guaranteed maximum charge is 1.50%.

Income Command RiderSM Guaranteed Income Withdrawal Percentages

Youngest Covered
Person’s Age		 CommandMark
CommandMark LT		 CommandMark 8
CommandMark Plus
(Formerly CommandMark 12)
CommandMark LT 5
CommandMark LT 8
Single Life Spousal Life Single Life Spousal Life
0 to 49 NA NA NA NA
50 to 54 3.10% 2.60% 3.00% 2.50%
55 to 59 3.60 3.10 3.50 3.00
60 to 64 4.00 3.50 3.85 3.35
65 to 69 4.40 3.90 4.30 3.80
70 to 74 5.00 4.50 4.80 4.30
75 to 79 5.75 5.25 5.60 5.10
80 to 84 7.00 6.50 6.70 6.20
85 + 7.50 7.00 7.50 7.00
The payment amount (Guaranteed Income Withdrawal Payment) is calculated by multiplying the Income Base by the Guaranteed Income Withdrawal Percentage.

Additional CommandMark Series Product Changes

Product New Minimum Guarantees
And Vesting Premium Bonus
 CommandMark Minimum Guaranteed Fixed Rate: 0.00%.*
 CommandMark 8 Minimum Guaranteed Fixed Rate: 0.00%.*
Vesting premium bonus remains at 8%.
 CommandMark Plus
 (Formerly CommandMark 12)		 Minimum Guaranteed Fixed Rate: 0.00%.*
Vesting premium bonus revised to 11%.
 CommandMark LT Minimum Guaranteed Fixed Rate: 0.00%.*
 CommandMark LT 5 Minimum Guaranteed Fixed Rate: 0.00%.*
Vesting premium bonus remains at 5%.
 CommandMark LT 8 Minimum Guaranteed Fixed Rate: 0.00%.*
Vesting premium bonus remains at 8%.
* Minimum Guaranteed Fixed Rate will remain at 1.00% for FL, NV, and TX.

IMPORTANT DEADLINE: The product changes are effective for all premium received in our Administrative Services office (address below) beginning Tuesday, February 21, 2012. Premium received through close of business on Friday, February 17, 2012, regardless of when the application was received, will receive the product version in effect through that date. Please note that Monday, February 20, 2012, is a holiday.

Administrative Services Address
Dell Overnight Address:
P.O. Box 81728777 Research Drive
Lincoln, NE 68501Lincoln, NE 68521
Fax: 800-813-6095 

Thank you for your continued support.

For more information, call 888-343-0897, or visit www.legacynet.com.

CommandMark Series single premium deferred fixed indexed annuities (11LIA, et al) are issued by PHL Variable Insurance Company (PHLVIC), Hartford, CT; products distributed by Legacy Marketing Group®. PHL Variable Insurance Company is not affiliated with Legacy Marketing Group. Product, features and rider may not be available with all products or in all jurisdictions. Refer to contract, Earnings Rate Update, sales guide, and State Approval Matrix for details.

PH1099v0112 FOR BROKER USE ONLY. NOT FOR USE WITH CONSUMERS. BPD38167 01/12