Personal Protection ChoiceSM

Phoenix Personal Protection ChoiceSM

Protect your financial future. Your income, your family, your lifestyle.

Phoenix Personal Protection Choice is a single-premium indexed annuity that offers protection from market loss, a 10-year surrender charge period, and a suite of optional riders.

It features a fixed interest account and 10 indexed accounts with index credits linked to the positive performance of two market indices: S&P 500® and the CS Tactical Multi Asset™ Indices. Designed for individuals who seek to benefit from the upside potential of the equity markets without risking loss of principal due to market downturns.

In addition, the suite of optional riders offer additional benefits that include:

  • Guaranteed withdrawals for life
  • Enhanced death benefits
  • Accelerated benefits in the event chronic care protection is required either in a nursing facility or in the home

Product Disclosure Document

Rider Disclosure Documents


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Important Disclosures

An investment in the contract is subject to possible loss of principal and earnings, since a surrender charge and market value adjustment may apply to withdrawals or upon surrender of the contract. All guarantees are subject to the claims paying ability of PHL Variable Insurance Company.

Withdrawals are subject to ordinary income tax, and if taken prior to age 59½, a 10% tax penalty may also apply.

S&P 500® is a registered trademark licensed for use by SPDJI and sublicensed for certain purposes by Phoenix Life Insurance Company. Phoenix products are not sponsored, endorsed, sold or promoted by SPDJI, Dow Jones, S&P, their respective affiliates, and none of such parties make any representation regarding the advisability of investing in such products nor do they have any liability for any errors, omissions, or interruptions of the represented index(s).

The CS Tactical Multi Asset Index™ is sponsored and published by Credit Suisse. Phoenix has entered into an exclusive license agreement with Credit Suisse providing for the right to use the CS Tactical Multi Asset Index and related trademarks in connection with Phoenix indexed annuities. The annuities are not sponsored, endorsed, sold or promoted by Credit Suisse. Credit Suisse makes no representation or warranty, express or implied, regarding the advisability of investing in the annuities, and has no obligation or liability in connection with the administration, marketing or sale of Phoenix annuities.

The information above, including the Product Disclosure and the Rider Disclosure Document is intended for use by the general public and is not individualized to address any specific investment objective. It is not intended as investment or financial advice. We encourage you to consult with an advisor who can tailor a financial plan to meet your needs.

Phoenix Personal Protection Choice is an insurance contract, not an investment; it doesn’t provide ownership of any stocks, bonds, index funds, or any other securities.