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Form N-VP/A FARM BUREAU LIFE ANNUITY

May 17, 2022 10:27 AM EDT

 

Registration No. 333-87632

 

 

Farm Bureau Life Annuity Account

Nonparticipating Variable Annuity Contract

Issued By

Farm Bureau Life Insurance Company

 

 

ANNUAL NOTICE

May 17, 2022

 

This Annual Notice for the nonparticipating variable annuity contract (the “Contract”) issued by Farm Bureau Life Insurance Company provides you with an update of changes to your Contract that have occurred since May 1, 2021. In addition, this Annual Notice provides key information about your Contract that you should review, including a current list of Investment Options available under your Contract. Please read this Annual Notice carefully and retain it with your Contract prospectus for future reference.

 

The most recent prospectus for the Contract, dated April 30, 2019, contains more information about the Contract, including its features, benefits, and risks. You can find the most recent audited financial statements of the Farm Bureau Life Annuity Account online at www.fbfs.com/variable-product-documents. You can also request this information at no cost by calling 1-800-247-4170 or sending an email request to [email protected].

 

More information about the Investment Options is available in the prospectuses for the Investment Options, which may be amended from time and time and can be found online at www.fbfs.com/variable-product-documents. You can also request this information at no cost by calling 1-800-247-4170 or sending an email request to [email protected].

 

Additional information about certain investment products, including variable annuities, has been prepared by the Securities and Exchange Commission’s staff and is available at Investor.gov.

 

 

The Securities and Exchange Commission has not approved these securities or determined that this Annual Notice is accurate or complete. Any representation to the contrary is a criminal offense.

 

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TABLE OF CONTENTS

 

Definitions

 

2

 

 

 

Updated Information About Your Contract

 

3

 

 

 

Important Information You Should Know About the Contract

 

3

 

 

 

APPENDIX: Investment Options Available Under the Contract

 

6

 

 

 

 

DEFINITIONS

 

 

 

Account: Farm Bureau Life Annuity Account.

 

Accumulated Value: The total amount invested under the Contract, which is the sum of the values of the Contract in each Subaccount of the Account plus the value of the Contract in the Declared Interest Option.

 

The Company (“we”, “us” or “our”): Farm Bureau Life Insurance Company.

 

Contract: The nonparticipating variable annuity contract, which term includes the basic contract described in the Contract prospectus, the contract application, any supplemental applications and any endorsements or additional benefit riders or agreements.

 

Contract Anniversary: The same date in each Contract Year as the Contract Date.

 

Contract Date: The date on which the Company receives a properly completed application. It is the date set forth on the data page of the Contract which the Company uses to determine Contract Years and Contract Anniversaries.

 

Contract Year: A twelve-month period beginning on the Contract Date or on a Contract Anniversary.

 

Declared Interest Option: An investment option under the Contract funded by the Company’s General Account. It is not part of, nor dependent upon, the investment performance of the Account.

 

Fund: An investment company registered with the SEC under the Investment Company Act of 1940 as an open-end diversified management investment company or unit investment trust in which the Account invests.

 

General Account: The assets of the Company other than those allocated to the Account or any other separate account of the Company.

 

Investment Option: A Fund, or a separate investment portfolio of a Fund in which a Subaccount invests.

 

Owner (“you” or “your”): The person who owns the Contract and who is entitled to exercise all rights and privileges provided in the Contract.

 

SEC: The U.S. Securities and Exchange Commission.

 

Subaccount: A subdivision of the Account which invests its assets exclusively in a corresponding Investment Option.

 

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UPDATED INFORMATION ABOUT YOUR CONTRACT

 

 

 

The information in this Annual Notice is a summary of certain Contract features that have changed since May 1, 2020. This may not reflect all of the changes that have occurred since you entered into your Contract.

 

 

As of December 1, 2021, the T Rowe Price Mid-Cap Growth Portfolio, which was previously closed for investment to Contract Owners whose Contracts were issued on or after May 1, 2004, resumed accepting new investments. All Contract Owners, irrespective of issue date, may allocate premium and transfer Accumulated Value to the Subaccount that invests in the T Rowe Price Mid-Cap Growth Portfolio.

 

 

As of January 1, 2022, FBL Wealth Management, LLC replaced FBL Investment Management Services, Inc. as investment adviser for the Asset Allocation Program.

 

 

 

IMPORTANT INFORMATION YOU SHOULD KNOW ABOUT THE CONTRACT

 

 

 

An investment in the Contract is subject to fees, risks, and other important considerations, some of which are briefly summarized in the following table. You should review the prospectus for additional information about these topics.

 

FEES AND EXPENSES

LOCATION IN
PROSPECTUS

Charge for Early Withdrawal

If you withdraw money from your Contract during the first 6 Contract Years, you may be assessed a Surrender Charge of up to 7% of the amount withdrawn. After the first Contract Year, you may withdraw a maximum of 10% of your Accumulated Value each Contract Year without incurring a Surrender Charge.

 

For example, if you were to make a withdrawal during the first Contract Year after your Contract purchase (and your Accumulated Value is $100,000), you could be assessed a charge of up to $7,000.

Charges and Deductions

Transaction Charges

In addition to Surrender Charges, you may also be charged for other transactions. These charges are as follows:

 

Transfer Charge. There is no transfer charge for the first twelve transfers during a Contract Year. We impose a transfer charge of $10 for the thirteenth and each subsequent transfer in a Contract Year.

Charges and Deductions

Ongoing Fees and Expenses (annual charges)

The table below describes the fees and expenses that you may pay each year, depending on the options you choose. Please refer to your Contract specifications page for information about the specific fees you will pay each year based on the options you elected.

 

Charges and Deductions

 

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FEES AND EXPENSES

LOCATION IN
PROSPECTUS

 

 

 

 

 

 

 

 

 

 

 

 

Annual Fee

Minimum

Maximum

 

 

 

 

Base Contract1

1.30%

1.30%

 

 

 

 

Investment Options (portfolio company fees and expenses)2

0.10%

1.41%

 

 

 

 

Incremental Death Benefit Rider3

0.30%

0.30%

 

 

 

 

 

 

 

 

 

 

1 We calculate the Base Contract fee by dividing the total amount we receive from the annual administrative charge and the mortality and expense risk charge for the last fiscal year by the total average net assets attributable to the Contract for that year.

2 As a percentage of Investment Option assets.

3 As a percentage of Accumulated Value.

 

Because your Contract is customizable, the choices you make affect how much you will pay. To help you understand the cost of owning your Contract, the following table shows the lowest and highest cost you could pay each year, based on current charges. This estimate assumes that you do not take withdrawals from the Contract, which could add surrender charges that substantially increase costs.

 

 

 

 

 

 

 

 

 

 

 

 

Lowest Annual Cost:

$ 1,278.72

 

Highest Annual Cost:

$ 2,524.83

 

 

 

 

 

Assumes:

·  Investment of $100,000

·  5% annual appreciation

·  Least expensive Investment Option fees and expenses

·  No optional benefits

·  No sales charges

·  No additional purchase payments, transfers, or withdrawals

Assumes:

·  Investment of $100,000

·  5% annual appreciation

·  Most expensive Investment Option fees and expenses

·  Most expensive combination of optional benefits

·  No sales charges

·  No additional purchase payments, transfers, or withdrawals

 

 

RISKS

LOCATION IN
PROSPECTUS

Risk of Loss

You can lose money by investing in the Contract, including loss of principal.

 

The Company, Account and Investment Options

 

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Not a Short-Term Investment

This Contract is not a short-term investment vehicle and is not appropriate for an investor who needs ready access to cash.

·                 We apply a Surrender Charge with respect to withdrawals during the first 6 Contract Years.  It will reduce the value of your Contract if you withdraw money during that time.

·                 Tax deferral is more beneficial to investors with a long time horizon.

Description of Annuity Contract

 

 

Charges and Deductions

Risks Associated with Investment Options

An investment in the Contract is subject to the risk of poor investment performance, and can vary depending on the performance of the Investment Options.

 

Each Investment Option (including the Declared Interest Option) has its own unique risks. You should review these Investment Options before making an investment decision.

The Company, Account and Investment Options

 

The Declared Interest Option

Insurance Company Risks

An investment in the Contract is subject to the risks related to Farm Bureau Life Insurance Company, including that any obligations (including under the Declared Interest Option), guarantees, or benefits of the Contract are subject to the claims-paying ability of the Company. More information about the Company, including its financial strength ratings, is available by calling toll-free at 1-800-247-4170 or writing to: Farm Bureau Life, 5400 University Avenue, West Des Moines, Iowa 50266.

 

 

 

The Company, Account and Investment Options

 

The Declared Interest Option

RESTRICTIONS

LOCATION IN
PROSPECTUS

Investments

Currently, the first twelve transfers in a Contract Year may be effected without a transfer charge. But we impose a transfer charge of $10 for the thirteenth and each subsequent transfer in a Contract Year.

 

We reserve the right, subject to compliance with applicable law, to make additions to, deletions from or substitutions for the shares of the Investment Options that the Account holds or that the Account may purchase.

Charges and Deductions

 

The Company, Account and Investment Options – Addition, Deletion, or Substitution of Investments

Optional Benefits

We offer an optional rider under the Contract that provides additional death benefits. We do not have the right to terminate an optional benefit you have elected in our sole discretion.

Description of Annuity Contract – Incremental Death Benefit Rider

TAXES

LOCATION IN
PROSPECTUS

Tax Implications

You should consult with a tax professional to determine the tax implications of an investment in and payments received under the Contract.

 

There is no additional tax benefit to you if the Contract is purchased through a tax-qualified plan or individual retirement account (IRA).

 

Withdrawals will be subject to ordinary income tax, and may be subject to tax penalties.

Federal Tax Matters

CONFLICTS OF INTEREST

LOCATION IN
PROSPECTUS

Investment Professional Compensation

We have discontinued new sales of the Contracts to the public. We summarize below the kinds of compensation paid in connection with past sales of the Contract and on an ongoing basis.

Distribution of the Contracts

 

5


 

 

 

Investment professionals receive compensation for selling the Contract to investors (e.g., in the form of cash commission payments). In addition to commissions and other forms of cash compensation, certain investment professionals also may receive non-cash compensation. Non-cash compensation can entail payment for conferences, seminars, meals, sporting events, theater performances, travel, lodging and/or entertainment as well as prizes and awards. Finally, investment professionals may receive other payments from the Company for services that do not directly involve the sale of the Contracts, including payments made for the recruitment and training of personnel, production of promotional literature and similar services.

 

These investment professionals have a financial incentive to offer or recommend the Contract over another investment.

 

Exchanges

Because the Contract is no longer sold, you would not be affected by a scenario in which you are asked to replace an existing contract you own with a new purchase of this Contract. However, in general you should be aware that some investment professionals may have a financial incentive to offer you a new contract in place of the one you already own. Thus, in general, you should only exchange your current contract if you determine, after comparing the features, fees, and risks of both contracts, that it is preferable for you to purchase the new contract rather than continue to own the existing contract.

The Contract

 

 

 

APPENDIX: INVESTMENT OPTIONS AVAILABLE UNDER THE CONTRACT

 

 

 

The following is a list of Investment Options available under the Contract. More information about the Investment Options is available in the prospectuses for the Investment Options, which may be amended from time and time and can be found online at www.fbfs.com/variable-product-documents. You can also request this information at no cost by calling 1-800-247-4170 or sending an email request to [email protected].

 

The current expenses and performance information below reflects fees and expenses of the Investment Options, but do not reflect the other fees and expenses that your Contract may charge. Expenses would be higher and performance would be lower if these other charges were included. Each Investment Option’s past performance is not necessarily an indication of future performance. Updated performance information is available at no cost by visiting the website or calling the telephone phone number above.

 

 

Investment Objective

Investment Option and Adviser/

Subadviser

Current

Expenses

Average Annual Total

Returns

(as of 12/31/21)

1 Year

5 Year

10 Year

Capital growth

AMERICAN CENTURY INVESTMENTS

VP Capital Appreciation Fund

 

American Century Investment

Management, Inc. (Adviser)

91%*

11.16%

19.89%

15.64%

 

6


 

Investment Objective

Investment Option and Adviser/

Subadviser

Current

Expenses

Average Annual Total

Returns

(as of 12/31/21)

1 Year

5 Year

10 Year

Long-term total return

AMERICAN CENTURY INVESTMENTS

VP Inflation Protection Bond Fund

 

American Century Investment

Management, Inc. (Adviser)

0.46%

6.61%

5.29%

3.07%

Long-term capital growth and income as a secondary goal

AMERICAN CENTURY INVESTMENTS

VP Mid Cap Value Fund

 

American Century Investment

Management, Inc. (Adviser)

0.75%*

23.20%

9.41%

12.82%

Long-term capital growth

AMERICAN CENTURY INVESTMENTS

VP Ultra®  Fund

 

American Century Investment Management, Inc. (Adviser)

0.79%*

23.16%

27.02%

20.21%

Long-term capital growth and income as a secondary goal

AMERICAN CENTURY INVESTMENTS

VP Value Fund

 

American Century Investment Management, Inc. (Adviser)

0.73%*

24.51%

9.55%

12.03%

Long term capital appreciation

BNY MELLON

BNY Mellon Sustainable U.S. Equity Portfolio, Inc.—Service Class

 

The BNY Mellon Investment Adviser, Inc. (Adviser)

 

Newton Investment Management Limited (Subadviser)

0.92%

26.68%

 

18.20%

 

15.30%

 

 

7


 

Investment Objective

Investment Option and Adviser/

Subadviser

Current

Expenses

Average Annual Total

Returns

(as of 12/31/21)

1 Year

5 Year

10 Year

Long term capital growth consistent with preservation of capital

BNY MELLON

BNY Mellon Variable Investment Fund: Appreciation Portfolio—Initial Class

 

The BNY Mellon Investment Adviser, Inc. (Adviser)

 

Fayez Sarofim and Co. (Subadviser)

0.80%

27.13%

20.48%

14.47%

Long-term capital growth, current income and growth of income, consistent with reasonable investment risk

BNY MELLON

BNY Mellon Variable Investment Fund: Growth & Income Portfolio—Initial Class

 

The BNY Mellon Investment Adviser, Inc. (Adviser)

 

Newton Investment Management Limited (Subadviser)

0.80%*

25.63%

 

18.20%

 

16.45%

 

Capital growth

BNY MELLON

BNY Mellon Variable Investment Fund: Opportunistic Small Cap Portfolio—Initial Class

 

The BNY Mellon Investment Adviser, Inc. (Adviser)

 

Newton Investment Management Limited (Subadviser)

0.82%

16.46%

 

11.40%

 

13.58%

 

Investment results that correspond to investment performance of U.S. common stocks, as represented by the NASDAQ-100® Index

CALVERT VARIABLE PRODUCTS

Calvert VP NASDAQ-100 Index Portfolio

 

Calvert Research and Management (Adviser)

 

Ameritas Investment Partners, Inc. (Subadviser)

0.48%*

26.87%

27.68%

22.26%

 

8


 

Investment Objective

Investment Option and Adviser/

Subadviser

Current

Expenses

Average Annual Total

Returns

(as of 12/31/21)

1 Year

5 Year

10 Year

Investment results that correspond to investment performance of U.S. common stocks, as represented by the Russell 2000® Index

CALVERT VARIABLE PRODUCTS

Calvert VP Russell 2000® Small Cap Index Portfolio

 

Calvert Research and Management (Adviser)

 

Ameritas Investment Partners, Inc. (Subadviser)

0.39%*

14.53%

 

11.71%

 

12.7%

 

Investment results that correspond to total return performance of U.S. common stocks, as represented by the S&P MidCap 400® Index

CALVERT VARIABLE PRODUCTS

Calvert VP S&P MidCap 400 Index Portfolio

 

Calvert Research and Management (Adviser)

 

Ameritas Investment Partners, Inc. (Subadviser)

0.33%*

24.41%

 

12.75%

 

13.76%

 

Seeks to maintain a stable net asset value (NAV) of $1.00 per share

FEDERATED HERMES INSURANCE SERIES

Federated Hermes Government Money Fund II—Service Shares

 

Federated Hermes Investment Management (Adviser)

0.63%*

0.00%

0.61%

0.34%

High current income and moderate capital appreciation

FEDERATED HERMES INSURANCE SERIES

Federated Hermes Managed Volatility Fund II—Primary Shares

 

The Fund’s Investment Advisers are Federated Global Investment Management Corp. (Fed Global”), Federated Investment Management Company (FIMCO) and Federated Equity Management Company of Pennsylvania (FEMCOPA)

0.98%

18.51%

9.22%

8.31%

 

9


 

Investment Objective

Investment Option and Adviser/

Subadviser

Current

Expenses

Average Annual Total

Returns

(as of 12/31/21)

1 Year

5 Year

10 Year

Current income

FEDERATED HERMES INSURANCE SERIES

Federated Hermes Quality Bond Fund II—Primary Shares

 

Federated Hermes Investment Management Company (Adviser)

0.74%*

-1.40%

3.83%

3.70%

Long-term capital appreciation

FIDELITY VARIABLE INSURANCE PRODUCTS FUNDS

Fidelity®  VIP Contrafund® Portfolio—Initial Class

 

Fidelity Management & Research Company (FMR) (Adviser)

 

FMR Co., Inc. and other investment advisers (Subadviser)

0.60%

27.83%

20.17%

16.64%

Capital appreciation

FIDELITY VARIABLE INSURANCE PRODUCTS FUNDS

Fidelity®  VIP Growth Portfolio—Initial Class

 

Fidelity Management & Research Company (FMR) (Adviser)

 

FMR Co., Inc. and other investment advisers (Subadviser)

0.61%

23.21%

26.29%

19.70%

High total return through combination of current income and capital appreciation

FIDELITY VARIABLE INSURANCE PRODUCTS FUNDS

Fidelity®  VIP Growth & Income Portfolio—Initial Class

 

Fidelity Management & Research Company (FMR) (Adviser)

 

FMR Co., Inc. and other investment advisers (Subadviser)

0.52%

25.95%

13.45%

14.07%

 

10


 

Investment Objective

Investment Option and Adviser/

Subadviser

Current

Expenses

Average Annual Total

Returns

(as of 12/31/21)

1 Year

5 Year

10 Year

High level of current income, while also considering growth of capital

FIDELITY VARIABLE INSURANCE PRODUCTS FUNDS

Fidelity®  VIP High Income Portfolio—Service Class 2

 

Fidelity Management & Research Company (FMR) (Adviser)

 

FMR Co., Inc. and other investment advisers (Subadviser)

0.92%

4.29%

4.78%

5.36%

Investment results that correspond to the total return of common stocks publicly traded in United States, as represented by the S&P 500 Index

FIDELITY VARIABLE INSURANCE PRODUCTS FUNDS

Fidelity®  VIP Index 500 Portfolio—Initial Class

 

Fidelity Management & Research Company (FMR) (Adviser)

 

Geode Capital Management, LLC (Geode®) and FMR Co., Inc. (Subadvisers)

0.10%

28.58%

18.34%

16.44%

Long-term growth of capital

FIDELITY VARIABLE INSURANCE PRODUCTS FUNDS

Fidelity®  VIP Mid Cap Portfolio—Service Class 2

 

Fidelity Management & Research Company (FMR) (Adviser)

0.86%

25.31%

13.32%

13.00%

 

11


 

Investment Objective

Investment Option and Adviser/

Subadviser

Current

Expenses

Average Annual Total

Returns

(as of 12/31/21)

1 Year

5 Year

10 Year

Long-term growth of capital

FIDELITY VARIABLE INSURANCE PRODUCTS FUNDS

Fidelity®  VIP Overseas Portfolio—Initial Class

 

Fidelity Management & Research Company (FMR) (Adviser)

 

FMR Co., Inc., FMR Investment Management (UK) Limited, and other advisers (Subadvisers)

0.77%

19.70%

14.44%

10.83%

High total return

FRANKLIN TEMPLETON VARIABLE INSURANCE PRODUCTS TRUST

Franklin Global Real Estate VIP Fund—Class 2

 

Franklin Templeton Institutional, LLC (Adviser)

1.25%*

26.79%

8.62%

8.65%

Capital appreciation, with income as a secondary goal

FRANKLIN TEMPLETON VARIABLE INSURANCE PRODUCTS TRUST

Franklin Mutual Shares VIP Fund—Class 2

 

Franklin Mutual Advisers, LLC (Adviser)

0.98%

19.17%

6.44%

9.00%

Long-term total return

FRANKLIN TEMPLETON VARIABLE INSURANCE PRODUCTS TRUST

Franklin Small Cap Value VIP Fund—Class 2

 

Franklin Advisory Services, LLC (Adviser)

0.91%

25.37%

9.94%

12.13%

 

12


 

Investment Objective

Investment Option and Adviser/

Subadviser

Current

Expenses

Average Annual Total

Returns

(as of 12/31/21)

1 Year

5 Year

10 Year

Long-term capital growth

FRANKLIN TEMPLETON VARIABLE INSURANCE PRODUCTS TRUST

Franklin Small-Mid Cap Growth VIP Fund—Class 2

 

Franklin Advisers, Inc. (Adviser)

1.08%

10.01%

20.84%

15.70%

Income

FRANKLIN TEMPLETON VARIABLE INSURANCE PRODUCTS TRUST

Franklin U.S. Government Securities VIP Fund—Class 2

 

Franklin Advisers, Inc. (Adviser)

0.78%

-1.83%

1.75%

1.28%

Long-term capital growth

FRANKLIN TEMPLETON VARIABLE INSURANCE PRODUCTS TRUST

Templeton Growth VIP Fund—Class 2

 

Templeton Global Advisors Limited (Adviser)**

1.12%*

4.87%

5.21%

7.36%

Capital appreciation with achieving current income by investing in equity securities as a secondary goal

J.P. MORGAN INSURANCE TRUST

J.P. Morgan Insurance Trust Mid Cap Value Portfolio—Class 1

 

J.P. Morgan Investment Management Inc. (Adviser)

0.76%

29.88%

10.63%

12.99%

Capital growth over long term

J.P. MORGAN INSURANCE TRUST

J.P. Morgan Insurance Trust Small Cap Core Portfolio—Class 1

 

J.P. Morgan Investment Management Inc. (Adviser)

0.80%

21.38%

11.77%

14.01%

 

13


 

Investment Objective

Investment Option and Adviser/

Subadviser

Current

Expenses

Average Annual Total

Returns

(as of 12/31/21)

1 Year

5 Year

10 Year

Long-term growth of capital by investing primarily in common stocks of U.S. companies operating in sectors investment adviser believes will be fastest growing

T. ROWE PRICE EQUITY SERIES

All-Cap Opportunities

 

T. Rowe Price Associates, Inc. (Adviser)

0.80%*

20.80%

26.19%

19.64%

High level of dividend income and long-term capital growth through investments in large-capitalization stocks of companies with strong track record of paying dividends or that are undervalued

T. ROWE PRICE EQUITY SERIES

Equity Income Portfolio

 

T. Rowe Price Associates, Inc. (Adviser)

0.74%*

25.55%

11.01%

11.81%

Long-term capital appreciation by investing earnings in common stocks of medium sized companies with potential for above-average earnings growth

T. ROWE PRICE EQUITY SERIES

Mid-Cap Growth Portfolio

 

T. Rowe Price Associates, Inc. (Adviser)

0.84%*

14.85%

17.94%

16.36%

Highest total return over time consistent with emphasis on both capital growth and income

T. ROWE PRICE EQUITY SERIES

Moderate Allocation Portfolio

 

T. Rowe Price Associates, Inc. (Adviser)

0.85%*

10.06%

10.98%

9.85%

Long-term growth of capital through investments primarily in common stocks of established non-U.S. companies

T. ROWE PRICE INTERNATIONAL SERIES

International Stock Portfolio

 

T. Rowe Price Associates, Inc. (Adviser)

 

T. Rowe Price International Ltd and T. Rowe Price Singapore Private Ltd (Subadvisers)

0.95%*

1.32%

10.21%

8.18%

 

*These Investment Options and their investment advisers have entered into contractual fee waivers or expense reimbursement arrangements. These temporary fee reductions are reflected in their annual expenses. Those contractual arrangements are designed to reduce total annual portfolio operating expenses for Policyowners and will continue until at least April 30, 2023.

 

14


 

** Effective May 1, 2022, the investment manager of the Templeton Growth VIP Fund - Class 2 has contractually agreed to waive or assume certain expenses for the Fund so that total annual Fund operating expenses (excluding Rule 12b-1 fees, acquired fees and expenses and certain non-routine expenses) do not exceed 0.87% until April 30, 2023.

 

15


 

[Back Cover Page]

Please retain this Annual Notice with your Contract prospectus for future reference. The last Prospectus and Statement of Additional Information as part of the registration statement we filed with the Securities and Exchange Commission (SEC) are dated April 30, 2019. Both documents contain additional important information about the Contract. You may call us toll-free at 1-800-247-4170 or write to us at 5400 University Avenue, Des Moines, Iowa 50266, to request additional information and to ask questions about your Contract.

 

Reports and other information about the Account are available on the SEC website at http://www.sec.gov. Copies of this information may be obtained, upon payment of a duplicating fee, by electronic request at the following email address: [email protected].

 

 

[C000023452]

 

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