Pioneer PRISM XC Variable Annuity - Pioneer Investments

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Additional Optional Rider Charges* Guaranteed Withdrawal Benefit Rider Charges Lifetime Withdrawal Guarantee II (Single Life Version) Prior to Automatic Annual Step-Up Lifetime Withdrawal Guarantee II (Single Life Version) Upon Automatic Annual Step-Up (maximum**) Lifetime Withdrawal Guarantee II (Joint Life Version) Prior to Automatic Annual Step-Up Lifetime Withdrawal Guarantee II (Joint Life Version) Upon Automatic Annual Step-Up (maximum**) Principal Guarantee Prior to Optional Reset Principal Guarantee Upon Optional Reset (maximum) 1.25% of the Total Guaranteed Withdrawal Amount (Note 1) 1.60% of the Total Guaranteed Withdrawal Amount (Note 1) 1.50% of the Total Guaranteed Withdrawal Amount (Note 1) 1.80% of the Total Guaranteed Withdrawal Amount (Note 1) 0.50% of the Guaranteed Withdrawal Amount (Note 2) 1.00% of the Guaranteed Withdrawal Amount (Note 2) *Certain rider charges for contracts issued before February 24, 2009 are different. Certain charges and expenses may not apply during the income phase of the contract. (See “Expenses.”) **Certain rider charges may increase upon an Optional Step-Up or Optional Reset, but they will not exceed the maximum charges listed in this table. If, at any time your contract was issued, the current rider charge was equal to the maximum rider charge, the rider charge will not increase upon an Optional Step-Up or an Optional Reset. (See “Expenses.”) Note 1. The Total Guaranteed Withdrawal Amount is initially set at an amount equal to your initial purchase payment. The Total Guaranteed Withdrawal Amount may increase with additional purchase payments. See “Living Benefits - Description of Lifetime Withdrawal Guarantee II” for a definition of the term Total Guaranteed Withdrawal Amount. Note 2. The Guaranteed Withdrawal Amount is initially set at an amount equal to your initial purchase payment. The Guaranteed Withdrawal Amount may increase with additional purchase payments. See “Living Benefits - Description of Principal Guarantee” for a definition of the term Guaranteed Withdrawal Amount. 10
The next table shows the minimum and maximum total operating expenses charged by the investment portfolios that you may pay periodically during the time that you own the contract. Certain investment portfolios may impose a redemption fee in the future. More detail concerning each investment portfolio’s fees and expenses is contained in the prospectuses for the investment portfolios and in the following tables. Total Annual Portfolio Expenses (expenses that are deducted from investment portfolio assets, including management fees, 12b-1/service fees, and other expenses) Minimum Maximum 0.34% 1.76% For information concerning compensation paid for the sale of the contracts, see “Other Information — Distributor.” 11
Page 1 and 2: PIONEER RETIREMENT INCOME STRATEGIE
Page 3 and 4: 61 The Variable Annuity Contract is
Page 5 and 6: TABLE OF CONTENTS Page Page INDEX O
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Page 9 and 10: IRA contract. Subject to state appr
Page 11: The next table describes the fees a
Page 15 and 16: Pioneer Variable Contracts Trust -
Page 17 and 18: The Examples should not be consider
Page 19 and 20: Our market timing policies and proc
Page 21 and 22: Pioneer Bond VCT Portfolio Platform
Page 23 and 24: On Monday we receive an additional
Page 25 and 26: decline in the account value of you
Page 27 and 28: opportunities and forced liquidatio
Page 29 and 30: $12,000 allocation to a 6-month pro
Page 31 and 32: well as expenses associated with ma
Page 33 and 34: 90 days if there is no more than a
Page 35 and 36: If you do not choose an annuity opt
Page 37 and 38: Under most circumstances, withdrawa
Page 39 and 40: eceive from the contract over time
Page 41 and 42: contract year, we will continue pay
Page 43 and 44: in the Automated Required Minimum D
Page 45 and 46: Revenue Code and regulations thereu
Page 47 and 48: higher Benefit Base, which would in
Page 49 and 50: Summary of Guaranteed Withdrawal Be
Page 51 and 52: If you have a joint owner, the deat
Page 53 and 54: under the federal Defense of Marria
Page 55 and 56: entire amount of all future payment
Page 57 and 58: whether your variable income annuit
Page 59 and 60: an owner of such a contract present
Page 61 and 62: at our Annuity Service Center (or a
Page 63 and 64:
APPENDIX A Participating Investment
Page 65 and 66:
Pioneer Emerging Markets VCT Portfo
Page 67 and 68:
APPENDIX B EDCA Examples with Multi
Page 69 and 70:
APPENDIX C Guaranteed Withdrawal Be
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Delay taking withdrawals and receiv
Page 73 and 74:
Payment of $10,000, the Annual Bene
Page 75 and 76:
$120,000 $100,000 $80,000 $60,000 A
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APPENDIX D Death Benefit Examples T
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D-3
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If you would like the Statement of
Page 83 and 84:
Arithmetic Average Illustration Ass
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NOT PART OF THE PROSPECTUS L0309027
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Our Privacy Notice We know that you
Page 89 and 90:
BUSINESS CONTINUITY PLAN DISCLOSURE
Page 92:
First MetLife Investors Insurance C
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