Press Releases

April 7, 2014—Petaluma, CA

Legacy Announces Strategic Partnership With AMERICO
First joint FIA series features diverse strategies and dual bonus for substantial growth opportunities

Legacy Marketing Group® today announced a strategic alliance with Americo Financial Life and Annuity Insurance Company (Americo) to develop and market proprietary fixed indexed annuity products. “Americo is innovative and committed to partnering with us to focus on growing independent distribution,” said Preston Pitts, Legacy President.

The partnership will allow Legacy and Americo, which is rated “A-” by A.M. Best, to combine their expertise in bringing innovative products to the market. “We are excited to be working with such a recognized leader in the independent product distribution channel. We believe the LibertyMarkSM Series will be just the first of many innovative annuity products that Legacy and Americo will bring to the marketplace,” said Phil Polkinghorn, Americo President.

Designed to provide consumers with an opportunity for substantial returns in multiple economic conditions, LibertyMark offers the built-in diversity of seven indexed interest crediting choices, most with uncapped potential. Consumers benefit from the performance of four market segments, which include equity indices as well real estate and gold. A fixed rate strategy is also available.

Consumers can choose a 7- or 10-year product, with an optional dual bonus on the 10-year product (5% upfront plus 10% on the Accumulation Value at the end of Year 10; the persistency bonus is 8% in lower-surrender-charge states). LibertyMark features a strong minimum guarantee of 1% to 3% on 100% of premium received, less any surrender charges. Agents are rewarded with up to 7% GA commission on the 7-year product and up to 8% on the 10-year products.

LibertyMark single premium FIAs are offered exclusively through agents contracted with Legacy and are currently available in most states.

About Legacy Marketing Group®

Legacy Marketing Group® partners with respected insurance companies to design and market innovative products for the U.S. fixed annuity and life insurance market. These products are sold exclusively through Legacy’s nationwide network of independent insurance agents.

Media Contact:

Legacy Marketing Group®

Diane Shemi, Director of Marketing, 800-395-1053, Ext. 5838

diane.shemi@legacynet.com

About Americo

For more than 100 years, Americo Life, Inc.’s family of insurance companies has been committed to providing the life insurance and annuity products consumers need to protect their mortgage, family, and future.1

They listen to what the consumer wants from an insurance policy or annuity and do their best to provide a proper solution for individual situations.

Innovative thinking has helped Americo Life, Inc. build a strong financial foundation for its business. Americo Financial Life and Annuity Insurance Company (Americo) is the lead company in one of the largest, independent, privately held insurance groups in the United States2 with more than $32.7 billion of life insurance in force and $6 billion in assets for year-end 2013.3

Rating for Americo Financial Life and Annuity Insurance Company (Americo), 2014. Americo Financial Life and Annuity Insurance Company has a financial strength rating of A- (Excellent, 4th out of 15 rating categories). A.M. Best’s rating is assigned after a comprehensive quantitative and qualitative evaluation of a company’s balance sheet strength, operating performance, and business profile. A.M. Best uses a scale of 15 ratings, ranging from “A++” to “F.”
LibertyMark 7, LibertyMark 10, 10 LT (Policy Series 411/4182), and LibertyMark 10 Plus, 10 LT Plus (Policy Series 411/4179/4182/4184) are single premium deferred fixed indexed annuities underwritten by Americo Financial Life and Annuity Insurance Company (Americo), Kansas City, MO, and may vary in accordance with state laws. Products are distributed by Legacy Marketing Group®. Some products and benefits may not be available in all states. Certain restrictions and variations apply. Consult policy and riders for all limitations and exclusions. Legacy Marketing Group is an independent, authorized agency of Americo.
Americo Financial Life and Annuity Insurance Company is authorized to conduct business in the District of Columbia and all states except NY and VT.
1.Americo Life, Inc. is a holding company and is not responsible for the financial condition or contractual obligations of its affiliate insurance companies.
2.“Admitted Assets, Top Life Writers-2013,” A.M. Best Co. as of July 2013.
3.Information is as of year-end 2013 on a consolidated basis for Americo Financial Life and Annuity Insurance Company and the other life insurance subsidiaries of Americo Life, Inc. Information is prepared on the basis of generally accepted accounting principles (GAAP).
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March 17, 2014—Petaluma, CA

Legacy Launches LegendMarkSM Series of Annuities
Choice of crediting options, unique GMWB rider, and up to 10% bonus offer exceptional growth and income opportunities

Legacy Marketing Group® is excited to announce the launch of LegendMark Series flexible premium deferred fixed indexed annuities issued by Fidelity & Guaranty Life Insurance Company. Designed for consumers seeking exceptional growth and income opportunities, LegendMark offers optional fee indexed crediting options with considerably higher caps than those on no-fee crediting options and a unique guaranteed minimum withdrawal benefit (GMWB) rider that allows consumers to leverage their annuity’s growth.

“This product series is unlike any we have ever offered,” said Legacy President, Preston Pitts. “With LegendMark, consumers don’t have to forfeit minimum guarantees for the opportunity to achieve exceptional growth and income.”

The ability to allocate premium to indexed crediting options that charge a small annual fee (currently 1.00%) allows consumers to receive a higher cap and greater accumulation potential than is available with the no-fee crediting options. Consumers have the flexibility to split premium between the fee and no-fee indexed crediting options and a fixed rate crediting option and move premium to or from these options at the end of the interest crediting period. “With this structure, consumers can truly get what they pay for,” added Mr. Pitts.

This strong growth potential coupled with an Income Base that can grow with the annuity's performance provides a truly unique and powerful income opportunity. As its name implies, the Income XL RiderSM GMWB rider provides the potential for larger payouts for an annual rider charge of only 0.70%. The Income Base is determined in part by multiplying the exceptional earnings/gains by 1 plus a Performance Multiplier of up to 50%.

Fourteen- and 10-year versions of LegendMark are available, with or without a vesting premium bonus of up to 10% on the 14-year product or up to 7% on the 10-year products. Consumers who choose a bonus product automatically get an enhanced package that, in addition to the bonus, includes the Income XL Rider and access to the fee and no-fee indexed crediting options. Although no-bonus LegendMark products do not offer the Income XL Rider, clients will have access to the fee and no-fee indexed crediting options.

LegendMark, available to clients through age 85, also offers “checkbook” access; liquidity riders for nursing home confinement, terminal illness, and home health care; and index gains that vest to date of death. Agents are rewarded with up to 7.50% GA-level commission.

This new product series is offered exclusively through agents contracted with Legacy and is currently available in most states.

About Legacy Marketing Group®

Legacy Marketing Group® partners with respected insurance companies to design and market innovative products for the U.S. fixed annuity and life insurance market. These products are sold exclusively through Legacy’s nationwide network of independent insurance agents.

Media Contact:

Legacy Marketing Group®

Diane Shemi, Director of Marketing, 800-395-1053, Ext. 5838

diane.shemi@legacynet.com

LegendMark flexible premium deferred fixed indexed annuities are issued by Fidelity & Guaranty Life Insurance Company, Des Moines, IA; products are distributed by Legacy Marketing Group®. Subject to state availability. Certain restrictions may apply. Refer to contract, Earnings Rate Update, sales guide, Compensation Schedule, and State Approval Matrix for details. Policy Form Nos: ACI-1018(06-11); API-1018(06-11), Rider Endorsement No.: ARI-1064(11-13).
*The roll-up and performance multiplier amounts are current guaranteed rates. Fidelity & Guaranty Life reserves the right to lower rates for future sales of Income XL Rider to not less than a minimum guaranteed rate of 2%.
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September 30, 2013—Petaluma, CA

Legacy Launches AdvanceMarkSM Ultra Series of Annuities
Offers tremendous upside potential, up to 10% vesting bonus, and robust income rider

Legacy Marketing Group® is excited to announce the launch of AdvanceMark Ultra Series flexible premium deferred fixed indexed annuities issued by Fidelity & Guaranty Life Insurance Company. A redesign of the popular AdvanceMark Series FIAs, this new series’ name says it all—AdvanceMark Ultra.

“Why redesign a product if you are not going to make it one of the best? With our partners at Fidelity & Guaranty Life, we've created a well-balanced product designed to provide consumers with extraordinary upside potential, up to 10% vesting bonus, and a robust income rider,” said Legacy President Preston Pitts. “For clients who want it all and agents who deserve competitive commissions through age 85, we believe AdvanceMark Ultra is one of the best all-around FIAs.”

Built on a 10- or 14-year chassis, AdvanceMark Ultra offers a choice of five indexed interest crediting options, including a monthly point-to-point with 4% cap* and a three-year monthly average with tremendous uncapped potential. A 10% vesting bonus on AdvanceMark Ultra 14 or 7% vesting bonus on AdvanceMark Ultra 10 and 10 LT provide quick-start accumulation (bonuses are 5% and 3.5%, respectively, at issue ages 76–85).

The guaranteed minimum withdrawal benefit rider included with AdvanceMark Ultra features a 7% compound roll-up for one of the lowest charges in the industry—only 0.70% per year, applied against the income base. AdvanceMark Ultra also offers “checkbook” access; liquidity riders for nursing home confinement, terminal illness, and home health care; index gains that vest to date of death; and now issue ages through 85. Agents are rewarded with up to 8.50% GA-level commission.

This new product series is offered exclusively through agents contracted with Legacy and is currently available in approximately 40 states.

About Legacy Marketing Group®

Legacy Marketing Group® partners with respected insurance companies to design and market innovative products for the U.S. fixed annuity and life insurance market. These products are sold exclusively through Legacy’s nationwide network of independent insurance agents.

Media Contact:

Legacy Marketing Group®

Diane Shemi, Director of Marketing, 800-395-1053, Ext. 5838

diane.shemi@legacynet.com

AdvanceMark Ultra Series flexible premium deferred fixed indexed annuities are issued by Fidelity & Guaranty Life Insurance Company, Baltimore, MD; products distributed by Legacy Marketing Group®. Subject to state availability. Certain restrictions may apply. Optional provisions and riders may have limitations, restrictions, and additional charges. Consult the contract for more detailed product information. Form Nos: ACI-1018(06-11), API-1018(06-11), et al.
*Rates effective October 1, 2013, and subject to change. Indexed interest crediting rates are subject to a cap, spread, or declared rate, and caps, spreads, and declared rates are subject to change at the insurer’s discretion.
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December 4, 2012—Petaluma, CA

Legacy Launches Registered Investment Advisory OnPointe

Legacy Marketing Group® announces a new affiliated company, OnPointe Advisory and Financial Services, LLC, a Registered Investment Advisor firm designed to support securities professionals and insurance-only Producers who are interested in becoming licensed financial services professionals and transferring to the business model of Investment Advisor Representatives (IARs).

“We’re pleased to announce our new sister company, OnPointe, and its services in this ever-changing economic environment,” said Preston Pitts, President of OnPointe and Legacy. “In today’s market, financial service professionals must adapt, or they will struggle to survive. With OnPointe, our goal is to aid them through this change.”

Once licensed, IARs with OnPointe can expect time-saving tools, ongoing sales and practice management training, multiple investment advisory management portfolios, compliance support, and, of course, OnPointe’s user-friendly systems and commitment to providing great customer service.

Through income planning, portfolio management, and investment advice, OnPointe IARs will address clients’ total needs when it comes to their financial goals. The range of products and services available through OnPointe will help IARs point their clients in the right direction toward their individual long-term goals.

To learn more about OnPointe, go to OnPointeAdvisory.net, or call 800-395-0045 and press 1.

Media Contact:

OnPointe Advisory and Financial Services, LLC

Frank Ertel, Vice President of Sales, 800-395-0045

Frank.Ertel@OnPointeAdvisory.net


October 12, 2012—Petaluma, CA

Legacy Launches SpectraMarkSM Series of Annuities
Policyholders receive longevity protection and a choice of interest crediting options

Legacy Marketing Group® announces the launch of SpectraMarkSM, a series of flexible premium deferred fixed indexed annuities issued by Fidelity & Guaranty Life Insurance Company. These all-new, 10-year annuity products will be offered exclusively to agents contracted with Legacy.

Currently available in 22 states, SpectraMark features a guaranteed minimum withdrawal benefit rider with an income base equal to the premium plus an 18% income base bonus or premium plus 6.25% roll-up for 10 years—whichever is greater—allowing consumers to maximize their income. SpectraMark also offers “checkbook” access; liquidity riders for nursing home confinement, terminal illness, home health care, and unemployment; index gains that vest to date of death; no MVA; enhanced income and death benefit riders; and issuance up to age 85.

“With our partners at Fidelity & Guaranty Life, we’ve created a product designed to give consumers the ability to maximize their income and growth potential,” said Legacy President Preston Pitts. “With SpectraMark, we believe we've struck a great balance between stability and flexibility.”

SpectraMark policyholders can choose from seven interest crediting options, including six indexed options for upside potential, and the annuities provide everything from a strong death benefit for beneficiaries to riders that allow payouts during critical times in people’s lives. One fixed rate option, a declared rate on gain option, and five S&P 500® Index options, including the Step Forward Strategy, offer competitive upside potential with the protection of minimum guarantees.

About Legacy Marketing Group®

Legacy Marketing Group® partners with respected insurance companies to design and market innovative products for the U.S. fixed annuity and life insurance market. These products are sold exclusively through Legacy’s nationwide network of independent insurance agents.

Media Contact:

Legacy Marketing Group®

Gretchen Barry, Communications Director, 800-395-1053, Ext. 6801

gretchen.barry@legacynet.com

SpectraMark Series flexible premium deferred fixed indexed annuities are issued by Fidelity & Guaranty Life Insurance Company, Baltimore, MD; products distributed by Legacy Marketing Group®. Subject to state availability. Certain restrictions may apply. Optional provisions and riders may have limitations, restrictions, and additional charges. Consult the contract for more detailed product information. Form Nos: ACI-1013(02-11), API-1013(02-11), ACI-1018(06-11), API-1018(06-11), et al.

“S&P 500®” is a trademark of The McGraw-Hill Companies, Inc. and has been licensed for use by Fidelity & Guaranty Life Insurance Company. The Product is not sponsored, endorsed, sold or promoted by Standard & Poor’s and Standard & Poor’s makes no representation regarding the advisability of purchasing the Product.

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October 8, 2012—Hartford, CT

The Phoenix Companies Launches Updated Annuity Series in Partnership with Legacy Marketing Group®

New Riders Provide Tailored Retirement Solutions Through Improved Long Term Confinement Protection and an Enhanced Death Benefit

The Phoenix Companies, Inc. (NYSE:PNX) today announced enhancements to its CommandMarkSM single premium fixed indexed annuity series. The new CommandMarkSM Series offers riders, for an additional fee, that can provide consumers with guaranteed lifetime income, the possibility of increasing that income if there is a chronic care need (not available in all states), and an enhanced death benefit.

There are three CommandMark base products, CommandMark, CommandMark Plus and CommandMark IR, which vary by premium bonus level, the duration of the surrender charge and premium bonus vesting period. In addition, the series offers several innovative riders, including the Income Command Rider 2.0 Enhanced, which provides a Guaranteed Lifetime Withdrawal Benefit (GLWB) and enhanced Chronic Care Benefit, and the Heritage Rider, which provides an Enhanced Death Benefit.

These latest product innovations are offered exclusively through the company’s partnership with Legacy Marketing Group®.

“In today’s uncertain economic environment, offering tailored retirement solutions is invaluable to meeting the needs of consumers,” said Dana Pedersen, Phoenix’s vice president and product officer. “The enhancements made to the CommandMark Series offer a range of income accumulation options, premium bonus and surrender charge periods. In combination with the riders available, these enhancements give agents access to a product that can allow their clients to design a solution to their unique retirement needs, including enhanced death benefit protection.”

Income Command Rider 2.0 Enhanced Offers Confinement Protection

In states where available, the Income Command Rider 2.0 Enhanced offers a guaranteed lifetime income stream. The income base from which guarantees are derived will increase at a compound roll up rate of 10% on CommandMark, and 6.5% on CommandMark Plus and CommandMark IR during the guaranteed income accumulation period. In addition, the rider can provide an enhanced income stream equal to double the standard GLWB for up to five years in the event the annuity holder becomes confined to a nursing facility. The Income Command Rider 2.0 Enhanced is optional on all base products except CommandMark IR.

“The marketplace increasingly demands products that can meet consumer needs that change over time," said Preston Pitts, Legacy’s president. “Working with Phoenix, we leveraged our combined insights into the financial priorities and concerns of today’s retirees. We are delighted to announce the newly enhanced CommandMark Series of products and riders, which are designed to meet a variety of needs that may change after the initial purchase.”

Heritage Rider Provides Peace of Mind with an Enhanced Death Benefit

The optional Heritage Rider must be purchased in combination with the Income Command Rider 2.0 Enhanced and may offer a death benefit in excess of the annuity value. The benefit provided by the Heritage Rider becomes available after the third contract anniversary and is equal to 50% of the difference between the base contract's annuity value and the income base under the Income Command Rider 2.0 Enhanced during the guaranteed income accumulation period. After the GLWB rider exercise date, the enhanced death benefit is reduced by withdrawals in the same proportion as the annuity value is reduced.

“Coupled with the Income Command Rider 2.0 Enhanced, the Heritage Rider provides policyholders with additional protection for their heirs,” said Pedersen.

BACKGROUND ON INDEXED ANNUITIES

An indexed annuity allows individuals to benefit from growth in the market without the risk of direct investment in the market. When the index shows a positive performance above a specified threshold, “index credits” that are based on that performance are added to the account value. Unlike direct investments, the account does not lose any value when the index goes down because index credits can never be negative.

Annuities are long-term savings vehicles, particularly applicable for retirement planning. Withdrawals may be subject to surrender charges and taxes, as well as possible tax penalties if taken prior to age 59½.

Indexed annuities that offer a premium bonus may have lower crediting rates and higher fees and charges than similar non-bonus annuities that may more than offset the benefit of the upfront bonus over time.

ABOUT PHOENIX

The Phoenix Companies, Inc. (NYSE:PNX) is a boutique life insurance and annuity company serving customers’ retirement and protection needs through select independent distributors. Headquartered in Hartford, Connecticut, Phoenix has a history of keeping its promises since 1851. For more information, visit www.phoenixwm.com.

ABOUT LEGACY MARKETING GROUP®

Legacy Marketing Group® partners with respected insurance companies to design and market innovative products for the U.S. fixed annuity market. These products are sold exclusively through Legacy’s nationwide network of independent insurance agents. For more information, visit www.legacynet.com.

CommandMarkSM Series single premium deferred fixed indexed annuities are issued by PHL Variable Insurance Company (PHLVIC), Hartford, CT. PHL Variable Insurance Company is not affiliated with Legacy Marketing Group®. Policy Form No.: 11LIA, et al. Product features and availability may vary by state. PHLVIC is not authorized to conduct business in NY and ME.

Guarantees are based on the claims-paying ability of PHL Variable Insurance Company

BPD38535 10/12


Source: The Phoenix Companies, Inc.

Prosek Partners
Todd Miller, 203-254-1300 x149
tmiller@prosek.com
or
Phoenix
Alice Ericson, 860-403-5946
alice.ericson@phoenixwm.com




September 24, 2012—Petaluma, CA

Legacy Launches New Single Premium Indexed Universal Life product
Exclusive IUL features strong death benefit and accelerated access for critical or terminal illness

Legacy Marketing Group® announces the launch of the highly anticipated SecureMasterSM single premium indexed universal life product. This exclusive new IUL—designed and marketed by Legacy Marketing Group® and issued by Fidelity & Guaranty Life Insurance Company—features a strong income tax-free death benefit; accelerated benefits for critical or terminal illness, with no additional monthly cost; simplified underwriting; and a 10% premium bonus to jump-start earnings. Other consumer-friendly features include better-than-average growth potential, guaranteed return of premium, no-lapse guarantee to age 110, and available loans after the first policy year.

Policyholders concerned about unplanned financial needs have the security of knowing they can access up to 100% of the death benefit for a qualifying critical or terminal illness. There is no additional monthly cost for these riders, making them an extreme value. In addition, policyholders can rest assured their guaranteed surrender value will never be less than 100% of the net premiums paid and that they can take loans up to the cash surrender value any time after the first policy year. With SecureMaster’s simplified underwriting, qualifying for a policy can be fast and easy. An application with a brief telephone interview helps provide a quick decision.

Interest crediting options available to SecureMaster policyholders cover a range of retirement needs-from more upside potential to predictable growth. A fixed rate and three indexed options based on performance of the S&P 500® Index are available—including one option with 140% participation rate. No matter what interest crediting option(s) policyholders choose, interest credited will never be less than 0.25%.

“We are excited to be back in the life business and on the cutting edge of indexed universal life design,” said Preston Pitts, Legacy’s President. “With 35 million U.S. households having no life insurance at all,1 there’s never been a more important time to launch this product. With accelerated living benefits as well a strong death benefit, SecureMaster can help consumers live today and secure tomorrow.”

SecureMaster IUL is available exclusively through Legacy-contracted Producers in 41 states.

About Legacy Marketing Group®

Legacy Marketing Group® partners with respected insurance companies to design and market innovative products for the U.S. fixed annuity and life insurance market. These products are sold exclusively through Legacy’s nationwide network of independent insurance agents.

Media Contact:

Legacy Marketing Group®

Gretchen Barry, Communications Director, 800-395-1053, Ext. 6801

gretchen.barry@legacynet.com

SecureMaster single premium indexed universal life insurance policy is issued by Fidelity & Guaranty Life Insurance Company, Baltimore, MD; product distributed by Legacy Marketing Group®. Subject to state availability. Products, features, and riders are not approved or available in all states; certain restriction, conditions, charges, and state variations may apply. Consult the contract for more detailed product information. Form Nos: ICC12-LPI3001(05-12) and LPI-3012(05-12), et al.

1. “Ownership of Individual Life Insurance Falls to 50-Year Low, LIMRA Reports” LIMRA (August 30, 2010).

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July 18, 2011—Petaluma, CA

Legacy Launches New Fixed Indexed Annuity Series

Newest offering features robust bonus, income rider, and interest crediting options

Legacy Marketing Group® has launched its newest fixed indexed annuity series, the highly anticipated CommandMarkSM. The new 10-year declining surrender charge annuity, which is designed and marketed by Legacy Marketing Group® and issued by PHL Variable Insurance Company, features high vesting bonus options up to 12%, innovative index crediting strategies, and an optional income rider with an 8% income base roll-up. In addition, CommandMarkSM provides clients the ability to access up to 10% of premium in penalty-free withdrawals each year after the first.

The CommandMarkSM 12 annuity offers a distinctive 12% vesting premium bonus. Because 100% of the bonus starts earning interest immediately, this feature allows clients to jump-start and compound earnings. The vesting of the bonus and associated earnings begin after contract Year 5 and become fully vested in Year 15. 8% and 5% vesting bonus options are also available with shorter vesting schedules, and non-bonus products are also available. Product availability varies by state.

Another distinctive feature of the CommandMarkSM Series is its creative assortment of crediting rate strategies. Clients can choose among one fixed rate strategy and four indexed options, including the highly sought-after Gold Strategy, which is based on the price of gold rather than an equity index, and the groundbreaking Rising Interest Strategy, which is based on the U.S. 10-Year Swap Rate. The Monthly Averaging Blended Strategy, which weighs the three-year performance of each of three indices, including an international index, is expected to be a strong crediting rate option in today's market.

“We are proud to be on the cutting edge of fixed indexed annuity design,” said Preston Pitts, Legacy's President. “The Rising Interest and Gold strategies offer clients built-in strategic diversification unlike any other fixed annuity on the market. When you combine those strategies with high bonus options, an 8% compound income rider roll-up, and generous liquidity, CommandMarkSM is a powerhouse product for Producers and consumers. ”

CommandMarkSM annuities are available exclusively through Legacy-contracted Producers in 25 states.


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About Legacy Marketing Group®

Legacy Marketing Group® partners with respected insurance companies to design and market innovative products for the U.S. fixed annuity market. These products are sold exclusively through Legacy's nationwide network of independent insurance agents.

Media Contact:

Legacy Marketing Group®

Gretchen Barry, Communications Director, 800-395-1053, Ext. 6801

gretchen.barry@legacynet.com

CommandMarkSM single premium deferred fixed indexed annuities (11LIA, et al) are issued by PHL Variable Insurance Company (PHLVIC), Hartford, CT, and distributed by Legacy Marketing Group®. PHLVIC is not authorized to conduct business in New York and Maine. Member of The Phoenix Companies, Inc. PHL Variable Insurance Company is not affiliated with Legacy Marketing Group®.

This annuity offers a fixed strategy and a variety of indexed strategies. The fixed strategy may earn a specified rate of interest of 0% or greater. The indexed strategies may or may not earn interest. Interest is credited if the type of index that the indexed strategy tracks performs in a manner described in the Indexed Account riders attached to your contract. Although interest is awarded based on index performance, this annuity is not a security. Consumers are not buying shares of any stock or investing in an index. They are purchasing an annuity, which is a type of insurance policy issued by an insurance company. An annuity can be used to save money for retirement and to receive retirement income for life. It is not meant to be used to meet short-term financial goals.

Annuities that offer a bonus may have less-favorable rates than comparable non-bonus products.

The Income Base for the optional rider is only used to calculate the fees and guarantees that apply to the rider and is not a guarantee of contract value or an amount available to withdraw.

Non-Security Status Disclosure—The CommandMarkSM contract has not been approved or disapproved by the Securities and Exchange Commission. The contract is not registered under the Securities Act of 1933 and is being offered and sold in reliance on an exemption therein.

Guarantees are based on the claims-paying ability of the issuing company, PHL Variable Insurance Company. Annuities are long-term investment vehicles particularly suited to retirement assets. Annuities held within qualified plans do not provide any additional tax benefits. Early withdrawals may be subject to surrender charges. Withdrawals are subject to ordinary income tax, and if taken prior to age 591/2, a 10% IRS penalty may also apply.

The insurance products are:

  • Not insured by FDIC, NCUSIF, or any other state or federal agency that insures deposits.
  • Not a deposit or obligation of, underwritten or guaranteed by, the depository institution or any affiliate.
  • Subject to surrender charges that could result in loss of principal interest.

For exact terms and conditions, please refer to the contract.

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July 18, 2011—Hartford, CT

The Phoenix Companies Announces Strategic Partnership with Legacy Marketing Group®

The Phoenix Companies, Inc. (NYSE:PNX) today announced a strategic alliance with the Legacy Marketing Group®, an independent marketing organization that partners with insurance companies to design and market proprietary fixed annuity products. This collaboration will allow the two organizations to combine their expertise in developing innovative annuity products and bring these solutions to a larger universe of consumers. In conjunction with this announcement, Legacy is announcing the launch of the CommandMarkSM fixed indexed annuity series. Designed for both pre-retirees and retirees, the CommandMarkSM Series is available exclusively through the Phoenix and Legacy alliance.

“Legacy has an established record of successful partnerships and we are very pleased to work with them in this new alliance,” said Philip K. Polkinghorn, senior executive vice president, business development. “We believe that together, Phoenix and Legacy will bring the industry an innovative, progressive approach to annuity product development. The CommandMarkSM Series is just the first of what we hope will be many products jointly introduced to the marketplace.” The CommandMarkSM Series features vesting bonus options of up to 12%, a choice of index crediting strategies, and an optional income rider. In addition, CommandMarkSM provides clients the ability to access up to 10% of premium in penalty-free withdrawals each year after the first.

“We are excited about our newest partnership with Phoenix and our collaboration on the CommandMarkSM Series,” said Preston Pitts, Legacy's president. “This latest product offers a combination of features unlike any other fixed annuity in the market including: built-in strategic diversification, high bonus options, a Guaranteed Lifetime Withdrawal Benefit (GLWB) rider, and a generous liquidity option.”

ABOUT PHOENIX

Dating to 1851, The Phoenix Companies, Inc. (NYSE:PNX) provides financial solutions using life insurance and annuities. Phoenix offers a complete suite of annuity products with a full spectrum of optional guarantees. Phoenix annuity products are designed with maximum flexibility to help customers meet a range of retirement income needs. For more information, visit www.phoenixwm.com.

ABOUT Legacy Marketing Group®

Legacy Marketing Group® partners with respected insurance companies to design and market innovative products for the U.S. fixed annuity market. These products are sold exclusively through Legacy's nationwide network of independent insurance agents. For more information, visit www.legacynet.com.

CommandMarkSM single premium deferred fixed indexed annuities (11LIADP0, 11LIADP8VB, 11LIADP12VB, 11LIADP0L, 11LIADPVB5L, 11LIADPVB8L, et al) are issued by PHL Variable Insurance Company (PHLVIC), Hartford, CT, and distributed by Legacy Marketing Group®. PHLVIC is not authorized to conduct business in New York and Maine. Member of The Phoenix Companies, Inc. PHL Variable Insurance Company is not affiliated with Legacy Marketing Group®.

This annuity offers a fixed strategy and a variety of indexed strategies. The fixed strategy may earn a specified rate of interest of 0% or greater. The indexed strategies may or may not earn interest. Interest is credited if the type of index that the indexed strategy tracks performs in a manner described in the Indexed Account riders attached to your contract. Although interest is awarded based on index performance, this annuity is not a security. You are not buying shares of any stock or investing in an index. You are purchasing an annuity, which is a type of insurance policy issued by an insurance company. You can use an annuity to save money for retirement and to receive retirement income for life. It is not meant to be used to meet short-term financial goals.

The Income Base for the optional rider is only used to calculate the fees and guarantees that apply to the rider and is not a guarantee of contract value or an amount available to withdraw.

Non-Security Status Disclosure—The CommandMarkSM contract has not been approved or disapproved by the Securities and Exchange Commission. The contract is not registered under the Securities Act of 1933 and is being offered and sold in reliance on an exemption therein.

Guarantees are based on the claims-paying ability of the issuing company, PHL Variable Insurance Company. Annuities are long-term investment vehicles particularly suited to retirement assets. Annuities held within qualified plans do not provide any additional tax benefits. Early withdrawals may be subject to surrender charges. Withdrawals are subject to ordinary income tax, and if taken prior to age 59½, a 10% IRS penalty may also apply. The insurance products are:

  • Not insured by FDIC, NCUSIF, or any other state or federal agency that insures deposits.
  • Not a deposit or obligation of, underwritten or guaranteed by, the depository institution or any affiliate.
  • Subject to surrender charges that could result in loss of principal interest.

For exact terms and conditions, please refer to the contract.

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May 16, 2011—Petaluma, CA

Legacy Expands Fixed Indexed Annuity Earnings Opportunities

Legacy Marketing Group® today introduced two new fixed indexed interest crediting options to its proprietary line of OM Financial Life Insurance Company products. These innovative index-linked additions increase opportunity for diversification and are designed to help consumers safely capitalize on increases in the market.

Available with the AmeriMarkSM Freedom Series and AdvanceMarkSM Series of fixed indexed annuities is a new three-year monthly average option featuring a spread instead of a cap. This crediting method offers clients nearly unlimited earnings potential linked to the performance of the S&P 500®. A spread rate is declared at the beginning of the period and is deducted from the interest increase only once at the end of the three-year period. The option's three-year duration gives clients greater participation in the market and opportunity for higher upside potential than a shorter-duration option.

The second new crediting option is the Declared Rate on Gain Option, available with AdvanceMarkSM annuities. If there is even a slight increase in the S&P 500® Index over a one-year period, clients earn a competitive declared rate. If the index is down or even, clients won't lose anything. This option simplifies market-linked participation.

“At a time when most indexed annuities focus on crediting methods with caps on earnings, we're excited to introduce something different,” said Preston Pitts, Legacy's president. “Our new spread and declared rate index strategies round out the client's diversification options within a single product.”

Both new options are designed to protect a client's principal and previously credited gains. Even if the index declines, interest credited will never be less than 0%.

The AmeriMarkSM Freedom Series and AdvanceMarkSM Series fixed indexed annuities are available exclusively through Legacy-contracted Producers in approved states.

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About Legacy Marketing Group®

Legacy Marketing Group® partners with respected insurance companies to design and market innovative products for the U.S. fixed annuity market. These products are sold exclusively through Legacy's nationwide network of independent insurance agents.

Media Contact:

Legacy Marketing Group®

Gretchen Barry, Communications Director, 800-395-1053, Ext. 6801

gretchen.barry@legacynet.com

AmeriMarkSM Freedom Series and AdvanceMarkSM Series flexible premium deferred fixed indexed annuities are issued by OM Financial Life Insurance Company, Baltimore, MD; products are distributed by Legacy Marketing Group,®. Subject to state availability. Certain restrictions may apply. Refer to contracts, Earnings Rate Update, sales guides, and State Approval Matrix for details. Form Nos: OM-CEIAII-0708-0, OM-CEIAII-0708-B, OM-CEIAII-0708-0-1, OM-CEIAII-0708-B-1, et al. FGL FPDA-EIA (2005); FGL FPDA-EIA-C (3-08), et al.

“S&P 500®” is a trademark of The McGraw-Hill Companies, Inc. and has been licensed for use by OM Financial Life Insurance Company. The Product is not sponsored, endorsed, sold or promoted by Standard & Poor’s and Standard & Poor's makes no representation regarding the advisability of purchasing the Product.

OM1460v0910 FOR BROKER USE ONLY. NOT FOR USE WITH CONSUMERS. 11-110

Media Contact:   Diane Shemi
 Director of Marketing
 Telephone 707-778-8638, Ext. 5838
 E-mail diane.shemi@legacynet.com

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