Variable Deferred Annuity – Future Income Flex
可变递延年金是一种与人寿pp王者电子官网公司签订的合同，它为你提供了一种积累储蓄和推迟纳税的方式，直到你开始取钱. 通过State Farm Life Insurance Company(未在MA获得许可)购买可变递延年金, 纽约州或夏威夷州)或州立农场人寿和意外pp王者电子官网公司(在纽约州和夏威夷州获得许可)被称为未来收入弹性.
合同的建立是为了让你在几年的不同时间间隔内(通过支付pp王者电子官网费)捐款. 你支付的保费进入你所选择的相关股票和债券投资基金(称为子账户)和/或固定账户. 你的回报率——以及保费的累积价值——取决于你所选择的标的账户的表现.
可变递延年金的收入在你取钱之前不需要缴纳联邦所得税.1 这使得年金的账户价值可能比每年征税的收益增长得更大. It also means you can spread your tax liability over the life of your income payments. Plus, 您可以在相关投资基金之间转移资金，而无需缴纳联邦所得税.
The Interest Advantage Program enables you to explore opportunities in the stock and bond markets, without committing a large portion of your retirement savings all at once.
When you decide to annuitize the contract, you have the option of receiving proceeds payable in fixed or variable dollar amounts, or a combination of both. In addition to payout options, payments can be made in a lump-sum, monthly, quarterly, semi-annual, or annual payments.
请注意，自2008年9月27日起，State Farm®停止提供可变产品. 州立农场可变产品加工区继续为所有现有的可变递延年金-未来收入弹性政策提供服务. This includes additional contributions* and transfer/rollovers up to $30,000 annually.
* Tax Qualified plans – under age 50 – $7,000. Age 50 and over – $8,000. Non Tax Qualified plans – $30,000 per policy year. No contributions are allowed on Tax Sheltered Annuity/403b plans; current SEP plan contributions are lesser of 25% or limited to $69,000.
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Disclosures
Before investing, consider the funds' investment objectives, risks, charges and expenses. 请联系State Farm VP Management Corp(888-702-2307)获取包含此信息和其他信息的招股说明书. Read it carefully.
Securities, insurance and annuity products are not FDIC insured, are not bank guaranteed and are subject to investment risk, including possible loss of principal.
Variable annuities are long-term investments designed for retirement purposes.
The Interest Advantage Program does not assure a profit or protect against loss.
Variable annuities have fees and charges that include mortality and expense, administrative fees, fund expenses and may include surrender charge, transfer processing fee and additional deposit rider charge.
Past performance is no guarantee of future results.
State Farm VP Management Corp. 是一个独立于State Farm®和/或提供银行和pp王者电子官网产品的独立实体吗.
Neither State Farm® nor its agents provide tax or legal advice.
Withdrawals and distributions of taxable amounts are subject to ordinary income tax and, if made prior to age 59 1/2, may be subject to an additional 10% federal income tax penalty. 股息和其他投资的收益可能按资本利得税率征税(通常低于普通所得税税率)。. 可变年金死亡抚恤金收益的收益部分作为普通收入纳税.
BUSINESS CONTINUITY PLAN DISCLOSURE FOR STATE FARM VP MANAGEMENT CORP.
State Farm VP Management Corp. 是否制定了业务连续性计划，说明我们将如何应对严重影响业务的事件. Since the timing and impact of disasters and disruptions is unpredictable, we will have to be flexible in responding to actual events as they occur. 考虑到这一点，我们向您提供有关我们业务连续性计划的信息.
Contacting Us – If after a significant business disruption, you cannot contact us as you usually do at 1-888-702-2307, 您可以联系您的州立农场代理(注册代表)，或者您可以联系另一个当地注册的州立农场代理, or you should go to our web site at chinaqinyu.com®.
Our Business Continuity Plan -我们计划在重大业务中断后尽快恢复并恢复业务运营，并通过保护员工和财产作出回应, making a financial and operational assessment, protecting the firm’s books and records, and allowing our customers to transact business. In short, 我们的业务连续性计划旨在使我们的公司能够尽快恢复运营, given the scope and severity of the significant business disruption.
Our business continuity plan addresses: data back-up and recovery; all mission critical systems; financial and operational assessments; alternative communications with customers, employees, and regulators; alternate physical location of employees; critical supplier, contractor, bank and counter-party impact; regulatory reporting; and procedures to help ensure that our customers have prompt access to their funds and securities if we are unable to continue our business.
Our business continuity plan may be revised or amended. If changes are made, an updated summary will be promptly posted on our website (chinaqinyu.com®). You may obtain a current summary of our business continuity plan by writing to us at:
Investment Planning Services
Variable Operations
P.O. Box 2307
Bloomington, IL 61702-2307
Varying Disruptions – Significant business disruptions can vary in their scope, such as only our firm, a single building housing our firm, the business district where our firm is located, the city where we are located, or the whole region. 在这些领域中，破坏的严重程度也可以从轻微到严重不等. In a disruption to only our firm or a building housing our firm, 我们可以在需要时将我们的业务转移到本地站点，并期望在1个工作日内恢复并恢复业务. In a disruption affecting our business district, city, or region, 我们将把我们的业务转移到受影响地区以外的地点，预计在3个工作日内恢复并恢复业务. In either situation, we plan to continue in business, transfer operations if necessary, and notify you through our web site chinaqinyu.com®, or you can contact us at 1-888-702-2307. 在不太可能发生的情况下，重大的业务中断是如此严重，它阻止我们继续经营下去, 我们的计划提供了程序，以帮助确保我们的客户能够迅速获得他们的资金和证券.
In all of the situations described above, 鉴于可能发生的各种类型的中断以及每种紧急情况都会造成独特的问题, it may take longer to resume operations during any particular disruption.
For more information -如果您对我们的业务连续性计划有任何疑问，请致电1-888-702-2307与我们联系.
1 在头七个保单年内作出的保单撤回或退保，可扣除退保费. 保单退保费在首个保单年度为7%，其后每个保单年度下降1%，直至第八个保单年度达到0%.
保函的依据是出具保函的州立农场人寿pp王者电子官网公司的理赔能力.
Issued by:
State Farm Life Insurance Company (Not licensed in MA, NY or WI)
State Farm Life and Accident Assurance Company (Licensed in NY and WI)
Bloomington, Illinois
State Farm(包括State Farm Mutual Automobile Insurance Company及其子公司和附属公司)不负责, and does not endorse or approve, either implicitly or explicitly, the content of any third party sites hyperlinked from this page. State Farm has no discretion to alter, update, or control the content on the hyperlinked, third party site. Access to third party sites is at the user's own risk, 仅供参考之用，并不是征求购买或出售可能在该等第三方网站上引用的任何产品.
Each State Farm insurer has sole financial responsibility for its own products.
State Farm VP Management Corp.
(Underwriter and Distributor of Securities Products)
One State Farm Plaza
Bloomington, Illinois 61710-0001
888-702-2307
Variable Deferred Annuity policy series 97090, 97090, A97040, and A97090.
AP2023/09/0978