{"component": "clause", "props": {"groups": [{"snippet": "Variable Investment Options \u2014 The Variable Investment Options consist of Subaccounts of the Separate Account. The available Subaccounts as of the Contract Date are shown in the Contract Specifications.", "samples": [{"hash": "3RekZNbkSyw", "uri": "/contracts/3RekZNbkSyw#variable-investment-options", "label": "Insurance Contract (Separate Account a of Pacific Life Insurance Co)", "score": 29.2984257358, "published": true}, {"hash": "lqRgx4vnSGF", "uri": "/contracts/lqRgx4vnSGF#variable-investment-options", "label": "Insurance Contract (Separate Account a of Pacific Life Insurance Co)", "score": 29.1067761807, "published": true}, {"hash": "kzq2odVSpVk", "uri": "/contracts/kzq2odVSpVk#variable-investment-options", "label": "Insurance Contract (Separate Account a of Pacific Life Insurance Co)", "score": 28.2991101985, "published": true}], "size": 38, "snippet_links": [{"key": "the-variable-investment-options", "type": "clause", "offset": [30, 61]}, {"key": "consist-of", "type": "clause", "offset": [62, 72]}, {"key": "the-separate-account", "type": "clause", "offset": [88, 108]}, {"key": "contract-date", "type": "definition", "offset": [146, 159]}, {"key": "contract-specifications", "type": "clause", "offset": [177, 200]}], "hash": "08f26ae358e371958eafcaa4fac088da", "id": 1}, {"snippet": "Variable Investment Options \u2014 The Variable Investment Options consist of Subaccounts of the Separate Account. The available Subaccounts as of the Contract Date are shown in the Contract Specifications. Separate Account \u2014 We established and maintain the Separate Account under the laws of the state of Arizona. Any income, gains or losses (whether or not realized) from the assets of each Variable Account are credited or charged against such Variable Account without regard to our other income, gains or losses. Assets may be put in our Separate Account to support this Contract and other variable annuity contracts. Assets may be put in our Separate Account for other purposes, but not to support contracts other than variable annuity contracts. The assets of our Separate Account are our property. The portion of the Separate Account assets equal to the reserves and other Contract liabilities with respect to each Variable Account will not be chargeable with liabilities arising out of any other business we conduct. We may transfer assets of a separate account in excess of the reserves and other liabilities with respect to its Variable Accounts to another separate account or to our General Account. We shall not transfer any investment, or asset held for investment, between separate accounts or between separate and other accounts unless approved by the New York State Insurance Department. All obligations arising under the Contract are our general corporate obligations. We do not hold ourselves out to be trustees of the Separate Account assets. We reserve the right, subject to compliance with the law then in effect, and after any required regulatory approval, to: \u2022 cease offering any Subaccount; \u2022 add or change designated investment companies or their portfolios, or other investment vehicles; \u2022 add, delete or make substitutions for the securities and other assets that are held or purchased by the Separate Account or any Variable Account; \u2022 permit conversion or exchanges between portfolios and/or classes of contracts on the basis of Owners\u2019 requests; \u2022 add, remove or combine Variable Accounts; \u2022 combine the assets of any Variable Account with any of our other Separate Accounts or of any of our affiliates; \u2022 register or deregister Separate Account A or any Variable Account under the 1940 Act; \u2022 operate any Variable Account as a managed investment company under the 1940 Act, or any other form permitted by law; \u2022 run any Variable Account under the direction of a committee, board, or other group; \u2022 restrict or eliminate any voting rights of Owners with respect to any Variable Account or other persons who have voting rights as to any Variable Account; \u2022 make any changes required by the 1940 Act or other federal securities laws; \u2022 make any changes necessary to maintain the status of the Contracts as annuities under the Code; \u2022 make other changes required under federal or state law relating to annuities; \u2022 suspend or discontinue sale of the Contracts; and \u2022 comply with applicable law. If any of these changes result in a material change in the underlying investments of a Variable Account, we will notify you of such change. We will not change the investment policy of the Separate Account without following the filing and other procedures of the Insurance Superintendent of the State of New York. Unless required by law or regulation, an investment policy may not be changed without our consent. From time to time we may make other Investment Options available to you. Any new Investment Option may invest in portfolios of the designated investment company, other designated investment companies or their portfolios, or in other investment vehicles. New Investment Options will be made available to existing Owners at our discretion. We will provide you with written notice of all material details, including investment objectives and charges. We will comply with the filing or other procedures established by applicable state insurance regulators, to the extent required by applicable law.", "samples": [{"hash": "3Coojcffx1v", "uri": "/contracts/3Coojcffx1v#variable-investment-options", "label": "Contract (Separate Account a of Pacific Life & Annuity Co)", "score": 21.0, "published": true}, {"hash": "2IWPWEizk1O", "uri": "/contracts/2IWPWEizk1O#variable-investment-options", "label": "Contract (Separate Account a of Pacific Life & Annuity Co)", "score": 21.0, "published": true}], "size": 14, "snippet_links": [{"key": "the-variable-investment-options", "type": "clause", "offset": [30, 61]}, {"key": "consist-of", "type": "clause", "offset": [62, 72]}, {"key": "the-separate-account", "type": "clause", "offset": [88, 108]}, {"key": "contract-date", "type": "definition", "offset": [146, 159]}, {"key": "contract-specifications", "type": "clause", "offset": [177, 200]}, {"key": "the-laws", "type": "definition", "offset": [276, 284]}, 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"our-discretion", "type": "clause", "offset": [3752, 3766]}, {"key": "will-provide", "type": "clause", "offset": [3771, 3783]}, {"key": "notice-of-all", "type": "clause", "offset": [3801, 3814]}, {"key": "investment-objectives", "type": "definition", "offset": [3843, 3864]}, {"key": "and-charges", "type": "clause", "offset": [3865, 3876]}, {"key": "comply-with-the", "type": "clause", "offset": [3886, 3901]}, {"key": "state-insurance-regulators", "type": "clause", "offset": [3955, 3981]}, {"key": "to-the-extent", "type": "clause", "offset": [3983, 3996]}], "hash": "b420ab9d08730b404b5119f4b0599547", "id": 2}, {"snippet": "The following variable investment options are available through allocation to subaccounts of the Pruco Life of New Jersey Flexible Premium Variable Annuity Account. We reserve the right to limit the availability of the below options, if necessary, in order to comply with federal, state or local law. [THE PRUDENTIAL SERIES FUND, INC. Prudential Equity Portfolio Prudential Global Portfolio Prudential Jennison Portfolio Prudential Money Market Portfolio \u2587\u2587\u2587\u2587\u2587\u2587\u2587\u2587al Stock Index Portfolio Prudential Value Portfolio SP Aggressive Growth Asset Allocation Portfolio SP AIM Aggressive Growth Portfolio SP AIM Core Equity Portfolio SP Alliance Large Cap Growth Portfolio SP Alliance Technology Portfolio SP Balanced Asset Allocation Portfolio SP Conservative Asset Allocation Portfolio SP Davis Value Portfolio SP Deutsche International Equity Por\u2587\u2587\u2587\u2587\u2587\u2587 SP Growth Asset Allocation Portfolio SP INVESCO Small Company Growth Portfolio SP Jennison International Growth Portfolio SP Large Cap Value \u2587\u2587\u2587\u2587\u2587\u2587\u2587\u2587\u2587 SP MFS Capital Opportunities Portfolio SP MFS Mid Cap Growth Portfolio SP PIMCO High Yield Portfolio SP PIMCO Total Return Portfolio SP Prudential U.S. Emerging Growth Portfolio SP Small/Mid Cap Value Portfolio SP Strategic Partners Focused Growth Portfolio JANUS ASPEN SERIES Janus Aspen Series Growth Portfolio - Service Shares] INTEREST RATE INVESTMENT OPTIONS: The following interest rate investment options are currently available. We may add other options in the future. DCA FIXED RATE INVESTMENT OPTION: MINIMUM GUARANTEED INTEREST RATE: 3% INITIAL INTEREST SEGMENT INTEREST RATE FOR 6 MONTH OPTION: [7%] INITIAL INTEREST SEGMENT INTEREST RATE FOR 12 MONTH OPTION: [8%] FIXED RATE INVESTMENT OPTION: Minimum Interest Crediting Rate: 3% INITIAL INTEREST SEGMENT INTEREST RATE: [5%] INITIAL BASE INTEREST CREDITING RATE: [4%] INITIAL ADDITIONAL INTEREST CREDITING RATE: [1%] TRANSFERS: NUMBER OF TRANSFERS PERMITTED: Currently, there are no limits on the number of transfers that can be made among Subaccounts. We reserve the right to change this, but the Owner will always be allowed at least 12 transfers among Subaccounts in a Contract Year.", "samples": [{"hash": "5WT3T1rTOkj", "uri": "/contracts/5WT3T1rTOkj#variable-investment-options", "label": "Annuity Contract (Pruco Life Inurance Co of New Jersey FLXBL Prmium Var Ann Ac)", "score": 18.0, "published": true}], "size": 9, "snippet_links": [{"key": "new-jersey", "type": "definition", "offset": [111, 121]}, {"key": "variable-annuity-account", "type": "definition", "offset": [139, 163]}, {"key": "right-to-limit", "type": "definition", "offset": [180, 194]}, {"key": "availability-of", "type": "clause", "offset": [199, 214]}, {"key": "comply-with", "type": "clause", "offset": [260, 271]}, {"key": "local-law", "type": "clause", "offset": [290, 299]}, {"key": "series-fund", "type": "clause", "offset": [317, 328]}, {"key": "equity-portfolio", "type": "definition", "offset": [346, 362]}, {"key": "global-portfolio", "type": "definition", "offset": [374, 390]}, {"key": "money-market", "type": "clause", "offset": [432, 444]}, {"key": "stock-index", "type": "clause", "offset": [466, 477]}, {"key": "asset-allocation-portfolio", "type": "clause", "offset": [536, 562]}, {"key": "technology-portfolio", "type": "definition", "offset": [678, 698]}, {"key": "high-yield", "type": "definition", "offset": [1080, 1090]}, {"key": "total-return", "type": "definition", "offset": [1110, 1122]}, {"key": "strategic-partners", "type": "clause", "offset": [1214, 1232]}, {"key": "janus-aspen-series", "type": "clause", "offset": [1258, 1276]}, {"key": "service-shares", "type": "definition", "offset": [1315, 1329]}, {"key": "currently-available", "type": "definition", "offset": [1416, 1435]}, {"key": "other-options", "type": "clause", "offset": [1448, 1461]}, {"key": "the-future", "type": "clause", "offset": [1465, 1475]}, {"key": "fixed-rate-investment-option", "type": "clause", "offset": [1481, 1509]}, {"key": "minimum-guaranteed-interest-rate", "type": "definition", "offset": [1511, 1543]}, {"key": "interest-segment-interest-rate", "type": "definition", "offset": [1556, 1586]}, {"key": "minimum-interest", "type": "definition", "offset": [1707, 1723]}, {"key": "base-interest-crediting-rate", "type": "definition", "offset": [1796, 1824]}, {"key": "additional-interest-crediting-rate", "type": "definition", "offset": [1839, 1873]}, {"key": "transfers-permitted", "type": "clause", "offset": [1901, 1920]}, {"key": "limits-on", "type": "clause", "offset": [1946, 1955]}, {"key": "right-to-change", "type": "clause", "offset": [2031, 2046]}, {"key": "owner-will", "type": "clause", "offset": [2061, 2071]}, {"key": "transfers-among-subaccounts", "type": "definition", "offset": [2102, 2129]}, {"key": "contract-year", "type": "definition", "offset": [2135, 2148]}], "hash": "d6781c56af48c81791ca5e21eb55c8c5", "id": 3}, {"snippet": "The Variable Investment Options available under this Contract are: [PIB AXA Moderate Growth Strategy PIB EQ/AllianceBernstein Dynamic Wealth Strategies PIB AXA Balanced Strategy PIB AXA Conservative Growth Strategy PIB AXA Conservative Strategy] Upon advance notice to you, we reserve the right to (a) add or remove a Variable Investment Option or (b) discontinue the acceptance of Contributions and transfers to any one or more Variable Investment Options.", "samples": [{"hash": "w1VPXdlcDB", "uri": "/contracts/w1VPXdlcDB#variable-investment-options", "label": "Deferred Variable Annuity Contract (Separate Account a of Axa Equitable Life Insurance Co)", "score": 24.3073237509, "published": true}, {"hash": "cMl6W9TAeYS", "uri": "/contracts/cMl6W9TAeYS#variable-investment-options", "label": "Deferred Variable Annuity Contract (Separate Account a of Axa Equitable Life Insurance Co)", "score": 24.3073237509, "published": true}, {"hash": "b5CwDA0JIhS", "uri": "/contracts/b5CwDA0JIhS#variable-investment-options", "label": "Deferred Variable Annuity Contract (Separate Account a of Axa Equitable Life Insurance Co)", "score": 24.3073237509, "published": true}], "size": 4, "snippet_links": [{"key": "under-this-contract", "type": "clause", "offset": [42, 61]}, {"key": "notice-to-you", "type": "clause", "offset": [259, 272]}, {"key": "right-to", "type": "definition", "offset": [289, 297]}, {"key": "transfers-to", "type": "clause", "offset": [400, 412]}], "hash": "832dfa145df3d1af127c48bc70f17e74", "id": 4}, {"snippet": "Each Variable Investment Option of the SPL, pursuant to its fundamental investment objective and its investment policies, will invest all of its investable assets in the Underlying Funds. TLIC may, at its sole discretion, establish new Variable Investment Options of the SPL or eliminate one or more such Variable Investment Options if marketing needs, tax considerations or investment conditions warrant. Without limiting the foregoing, TLIC may establish new Variable Investment Options in the event that new Vanguard Target Retirement Funds are established, and may establish an appropriate age range for Participants to be assigned to such new Variable Investment Option pursuant to this Contract. Any new Variable Investment Options may be made available to existing Contractholders on a basis to be determined by TLIC. TLIC has the right to amend Appendix A by providing written notice to the Contractholder to reflect changes made pursuant to this Section 4.2.", "samples": [{"hash": "iKk7luogGdE", "uri": "/contracts/iKk7luogGdE#variable-investment-options", "label": "Contract (Separate Account VA FF)", "score": 22.3223819302, "published": true}], "size": 4, "snippet_links": [{"key": "investment-objective", "type": "definition", "offset": [72, 92]}, {"key": "investment-policies", "type": "definition", "offset": [101, 120]}, {"key": "investable-assets", "type": "definition", "offset": [145, 162]}, {"key": "underlying-funds", "type": "definition", "offset": [170, 186]}, {"key": "sole-discretion", "type": "clause", "offset": [205, 220]}, {"key": "tax-considerations", "type": "definition", "offset": [353, 371]}, {"key": "investment-conditions", "type": "clause", "offset": [375, 396]}, {"key": "without-limiting-the-foregoing", "type": "clause", "offset": [406, 436]}, {"key": "in-the-event", "type": "clause", "offset": [489, 501]}, {"key": "retirement-funds", "type": "definition", "offset": [527, 543]}, {"key": "an-appropriate", "type": "clause", "offset": [579, 593]}, {"key": "this-contract", "type": "clause", "offset": [687, 700]}, {"key": "available-to", "type": "definition", "offset": [750, 762]}, {"key": "to-be-determined", "type": "definition", "offset": [799, 815]}, {"key": "the-right-to-amend", "type": "clause", "offset": [834, 852]}, {"key": "appendix-a", "type": "clause", "offset": [853, 863]}, {"key": "notice-to-the", "type": "clause", "offset": [885, 898]}, {"key": "made-pursuant-to", "type": "clause", "offset": [933, 949]}, {"key": "section-42", "type": "clause", "offset": [955, 966]}], "hash": "ce6d5c3db938cf2dd2d0042bfe2dfbcc", "id": 5}, {"snippet": "The following variable investment options are available through allocation to subaccounts of the Pruco Life Flexible Premium Variable Annuity Account. We reserve the right to limit the availability of the below options, if necessary, in order to comply with federal, state or local law. THE PRUDENTIAL SERIES FUND, INC. Diversified Bond Portfolio Diversified Conservative Growth Portfolio Equity Income Portfolio Equity Portfolio Global Portfolio High Yield Bond Portfolio Money Market Portfolio Prudential \u2587\u2587\u2587\u2587\u2587\u2587\u2587\u2587 Portfolio Small Capitalization Stock Portfolio Stock Index Portfolio 20/20 Focus Portfolio AIM VARIABLE INSURANCE FUNDS, INC. AIM V.I. Growth and Income Fund AIM V.I. Value Fund AMERICAN CENTURY VARIABLE PORTFOLIOS, INC. VP Value Portfolio VFLX-99 GMDB [(A)] JANUS ASPEN SERIES Growth Portfolio International Growth Portfolio MFS VARIABLE INSURANCE TRUST Emerging Growth Series Research Series 0CC ACCUMULATION TRUST Managed Portfolio Small Cap Portfolio \u2587\u2587\u2587\u2587\u2587\u2587\u2587\u2587\u2587 VARIABLE PRODUCTS SERIES FUND Franklin Small Cap Investments Portfolio -Class 2 \u2587.\u2587\u2587\u2587\u2587 PRICE EQUITY SERIES, INC. Equity Income Portfolio \u2587.\u2587\u2587\u2587\u2587 PRICE INTERNATIONAL SERIES, INC. International Stock Portfolio WARBURG PINCUS TRUST Post-Venture Capital Portfolio INTEREST RATE OPTIONS: The following interest rate options are currently available. We may add other options in the future. 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We reserve the right to limit the availability of the below options, if necessary, in order to comply with federal, state or local law. [THE PRUDENTIAL SERIES FUND, INC. Prudential Equity Portfolio Prudential Global Portfolio Prudential \u2587\u2587\u2587\u2587\u2587\u2587\u2587\u2587 Portfolio Prudential Money Market Portfolio Prudential Stock Index Portfolio Prudential Value Portfolio SP Aggressive Growth Asset Allocation Portfolio SP AIM Aggressive Growth Portfolio SP AIM Core Equity Portfolio SP Alliance Large Cap Growth Portfolio SP Alliance Technology Portfolio SP Balanced Asset Allocation Portfolio SP Conservative Asset Allocation Portfolio \u2587\u2587 \u2587\u2587\u2587\u2587\u2587 Value Portfolio SP Deutsche International Equity Portfolio SP Growth Asset Allocation Portfolio SP INVESCO Small Company Growth Portfolio \u2587\u2587 \u2587\u2587\u2587\u2587\u2587\u2587\u2587\u2587 International Growth Portfolio SP Large Cap Value Portfolio SP MFS Capital Opportunities Portfolio SP MFS Mid Cap Growth Portfolio SP PIMCO High Yield Portfolio SP PIMCO Total Return Portfolio SP Prudential U.S. Emerging Growth Portfolio SP Small/Mid Cap Value Portfolio SP Strategic Partners Focused Growth Portfolio JANUS ASPEN SERIES Janus Aspen Series Growth Portfolio - Service Shares]", "samples": [{"hash": "hLxUVhh47ZE", "uri": "/contracts/hLxUVhh47ZE#variable-investment-options", "label": "Annuity Contract (Pruco Life Inurance Co of New Jersey FLXBL Prmium Var Ann Ac)", "score": 18.0, "published": true}], "size": 2, "snippet_links": [{"key": "new-jersey", "type": "definition", "offset": [111, 121]}, {"key": "variable-annuity-account", "type": "definition", "offset": [139, 163]}, {"key": "right-to-limit", "type": "definition", "offset": [180, 194]}, {"key": "availability-of", "type": "clause", "offset": [199, 214]}, {"key": "comply-with", "type": "clause", "offset": [260, 271]}, {"key": "local-law", "type": "clause", "offset": [290, 299]}, {"key": "series-fund", "type": "clause", "offset": [317, 328]}, {"key": "equity-portfolio", "type": "definition", "offset": [346, 362]}, {"key": "global-portfolio", "type": "definition", "offset": [374, 390]}, {"key": "money-market", "type": "clause", "offset": [432, 444]}, {"key": "stock-index", "type": "clause", "offset": [466, 477]}, {"key": "asset-allocation-portfolio", "type": "clause", "offset": [536, 562]}, {"key": "technology-portfolio", "type": "definition", "offset": [678, 698]}, {"key": "high-yield", "type": "definition", "offset": [1080, 1090]}, {"key": "total-return", "type": "definition", "offset": [1110, 1122]}, {"key": "strategic-partners", "type": "clause", "offset": [1214, 1232]}, {"key": "janus-aspen-series", "type": "clause", "offset": [1258, 1276]}, {"key": "service-shares", "type": "definition", "offset": [1315, 1329]}], "hash": "15f6bace4f2a30081b91b980b1493982", "id": 9}, {"snippet": "The Annuitant may allocate money to the Portfolios shown on the contract data page in accordance with Plan provisions. We reserve the right to add, combine, restrict, or remove any Portfolio as an investment option of this Contract. Portfolios have different investment objectives. Investment performance of a Portfolio may be positive or negative. If any shares of the Portfolios are no longer available, or if in our view no longer meet the purpose of the Contract, it may be necessary to substitute shares of another Portfolio. We will seek prior approval of the Securities and Exchange Commission (SEC) to the extent required by law and give the Owner and Annuitant notice before doing this. FIXED ACCOUNT The Fixed Account is part of Symetra\u2019s General Account and provides for guaranteed interest rates as follows. Interest Crediting We establish the annual effective interest rates that apply to Purchase Payments allocated to the Fixed Account. The annual effective interest rate will be at least the minimum guaranteed interest rate of 2% during the first eight Contract Years and 1.5% thereafter. For the initial Purchase Payment, one or more of the initial guaranteed interest periods shown on the contract application may be selected. Different interest rates may apply to each of the initial guaranteed periods. In order to select an initial guaranteed period greater than one year, the portion of the Purchase Payment allocated to that initial guaranteed period must be at least equal to the amount shown on the contract application. All subsequent Purchase Payments and transfers allocated to the Fixed Account will have an initial guaranteed period of one year. Each Purchase Payment allocated to the Fixed Account will be credited with the interest rate established for the date that we receive the Purchase Payment. This rate will apply to the Purchase Payment from the date we receive it through the initial guaranteed period. We can adjust the interest rate after the completion of that initial guaranteed period. The adjusted rate will apply to that Purchase Payment and its credited interest for at least 12 months, when the rate can again be adjusted. From then on, we cannot adjust the interest rate more often than every 12 months. In the first Contract Year, additional interest will be credited to Purchase Payments allocated to the Fixed Account if the Purchase Payments exceed the amount shown on the contract data page under \u201cADDITIONAL INTEREST ON FIXED ACCOUNT IN FIRST CONTRACT YEAR\u201d. If additional Purchase Payments are made to the Fixed Account, each will be credited with the applicable additional interest from the date we receive it to the end of the first Contract Year. If a Purchase Payment brings the total Purchase Payments to an amount greater than the amount shown on the contract data page, the additional interest will be credited from the date we receive that Purchase Payment to the end of the first Contract Year. Different interest rates may apply to each Purchase Payment depending on the interest rates established for the date that we received the Purchase Payment and any subsequent rate adjustments. For the purpose of crediting interest, when a withdrawal is taken or a transfer is made from the Fixed Account, the Purchase Payment last made, and the interest credited to it, is considered to be withdrawn first. If the Annuitant stops allocating Purchase Payments to the Fixed Account, we will continue to credit the balance in the Fixed Account with the applicable interest rate(s). Symetra credits interest daily on each Purchase Payment allocated to the Fixed Account from the date we receive the payment up to, but not including, the date the funds are withdrawn from the Fixed Account. 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