Aviva target 10 brochure - PFG Marketing Group, Inc.

Additional Features of TargetHorizon 10Free Partial Withdrawals *TargetHorizon 10 allows you to take free partial withdrawals beginning in year two. RMDs or LifetimeIncome Benefits under either income rider can be taken penalty free in any year. Beginning in the secondcontract year, 5% of the Accumulated Value is available penalty free each year throughout the withdrawalcharge period. All withdrawals are taken first from the Fixed Interest Strategy.Death Benefit Floor FeatureThe Death Benefit Floor Feature adds 1% simple interest to your remaining premium, plus any applicablepremium bonus. No Withdrawal Charge, Market Value Adjustment (MVA) or applicable Premium BonusVesting Adjustment apply to this value.Cash Surrender ValueWith TargetHorizon 10, know what you’re guaranteed in case you need to surrender your annuity.It provides a Minimum Guaranteed Contract Value, which is the amount you would receive.Confinement Waiver **TargetHorizon 10 gives you peace of mind knowing you can withdraw up to 100% of your annuity’s valueif you are confined to a qualified care facility. This benefit is available if you are confined for at least 60consecutive days any time after the first contract year. You cannot be confined at the time your contract isissued. Keep in mind that no Withdrawal Charge, MVA or applicable Premium Bonus Vesting Adjustmentapply if you trigger this benefit.Terminal Illness Waiver **TargetHorizon 10 allows you to withdraw up to 100% of the annuity’s value if you are diagnosed with aterminal illness that is expected to result in death within one year. This waiver is available after your firstcontract anniversary. No Withdrawal Charge, MVA or applicable Premium Bonus Vesting Adjustmentapply if you use this benefit.Withdrawal Charges& Market Value AdjustmentThe TargetHorizon 10 annuity is designed for long-term savings, and has a 10-year withdrawal charge *period. That means if you withdraw more money than the free amount allowed by your contract, or if yousurrender the annuity before the withdrawal charge period ends, Withdrawal Charge, MVA and applicablePremium Bonus Vesting Adjustment will be applied. The MVA applies to withdrawals in excess of the freeamount during the annuity’s withdrawal charge period.This brochure must be accompanied by the Product Details insert that describes the WithdrawalCharge, Premium Bonus Vesting Adjustment and any applicable Market Value Adjustment (MVA)for this annuity product.6*Withdrawals and surrender may be subject to federal and state income tax and, except under certain circumstances, will be subject to anIRS penalty if taken prior to age 59½.**Waivers may not be available in all states, and are subject to limitations as set forth in the contract.

With TargetHorizon 10, you’ll finda smart and straightforward wayto retire on your own terms.TargetHorizon 10Ready.Aim.Retire.7

TargetHorizon 10 Annuity TBS10 (09/12), TargetHorizon 10 Select TBS10 (09/12) NB, TargetPayIncome Benefit Rider TBSIRF (09/12), TargetPay Plus Income Benefit Rider TBSIRI (09/12) orstate variations are issued by Aviva Life and Annuity Company, West Des Moines, IA. Productfeatures, limitations and availability vary by state; see the Certificate of Disclosure for details.Annuities are not FDIC insured; guarantees provided by annuities are subject to the financialstrength of the issuing insurance company.Market indices do not include dividends paid on the underlying stocks, and therefore does notreflect the total return of the underlying stocks. Neither a market index nor any market-indexedannuity is comparable to a direct investment in the financial markets. Indexed annuities do notdirectly participate in any stock or equity investments. Clients who purchase TargetHorizonannuities are not directly investing in the financial market.Any information regarding taxation contained herein is based on our understanding ofcurrent tax law. The tax and legislative information may be subject to change and differentinterpretations. We recommend that you seek professional legal advice for applicability to yourpersonal situation.Products issued byAviva Life and Annuity Company7700 Mills Civic ParkwayWest Des Moines, IA 50266-3862www.avivausa.com55633 (03/13)