Annuity Investors Variable Account C Sample Contracts

AMENDMENT TO PARTICIPATION AGREEMENT
Participation Agreement • March 1st, 2005 • Annuity Investors Variable Account C
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AMENDMENT
Fund Participation Agreement • April 30th, 2004 • Annuity Investors Variable Account C
ITEM 24 (b) EXHIBITS Participation Agreement dated July 1, 2002, among Annuity Investors Life Insurance Company, PIMCO Variable Insurance Trust, and PIMCO Funds Distributors LLC PARTICIPATION AGREEMENT Among ANNUITY INVESTORS LIFE INSURANCE COMPANY,...
Participation Agreement • July 26th, 2002 • Annuity Investors Variable Account C • California

THIS AGREEMENT, made to be effective as of the 1st day of July, 2002, by and among Annuity Investors Life Insurance Company, (the "Company"), an Ohio life insurance company, on its own behalf and on behalf of each segregated asset account of the Company set forth on Schedule A hereto as may be amended from time to time (each account hereinafter referred to as the "Account"), PIMCO Variable Insurance Trust (the "Fund"), a Delaware business trust, and PIMCO Funds Distributors LLC (the "Underwriter"), a Delaware limited liability company.

AMENDED AND RESTATED PARTICIPATION AGREEMENT
Participation Agreement • April 27th, 2009 • Annuity Investors Variable Account C • Massachusetts

THIS AGREEMENT, dated as of the 1st day of May, 2008 by and among ANNUITY INVESTORS LIFE INSURANCE COMPANY (the “Company”), an Ohio life insurance company, on its own behalf and on behalf of each segregated asset account of the Company set forth on Schedule A hereto as may be amended from time to time (each separate account hereinafter referred to as the “Account”), DWS VARIABLE SERIES I, DWS VARIABLE SERIES II and DWS INVESTMENTS VIT FUNDS (individually, a “Fund”), each a Massachusetts business trust created under a Declaration of Trust, as amended, DWS SCUDDER DISTRIBUTORS, INC. (the “Underwriter”), a Delaware corporation, and DEUTSCHE INVESTMENT MANAGEMENT AMERICAS INC., a Delaware corporation (the “Adviser”). The parties agree that a single document is being used for ease of administration and that this Agreement shall be treated as if it were a separate agreement with respect to each Fund, and each series thereof, that is a party hereto, severally and not jointly, as if such entit

ITEM 24 (b) EXHIBITS Participation Agreement dated July 1, 2002, among Annuity Investors Life Insurance Company, Oppenheimer Variable Account Funds and Oppenheimer Funds, Inc. PARTICIPATION AGREEMENT Among OPPENHEIMER VARIABLE ACCOUNT FUNDS,...
Participation Agreement • July 26th, 2002 • Annuity Investors Variable Account C • New York

THIS AGREEMENT (the "Agreement"), made to be effective as of the 1st day of July, 2002 by and among Annuity Investors Life Insurance Company (hereinafter the "Company"), on its own behalf and on behalf of each separate account of the Company named in Schedule 1 to this Agreement, as may be amended from time to time by mutual consent (hereinafter collectively the "Accounts"), Oppenheimer Variable Account Funds (hereinafter the "Fund") and OppenheimerFunds, Inc. (hereinafter the "Adviser").

PARTICIPATION AGREEMENT AMONG ANNUITY INVESTORS LIFE INSURANCE COMPANY, GREAT AMERICAN ADVISORS, INC. ALLIANCEBERNSTEIN L.P., AND ALLIANCEBERNSTEIN INVESTMENTS, INC. DATED AS OF MAY 1, 2008
Participation Agreement • April 27th, 2009 • Annuity Investors Variable Account C • Ohio

THIS AGREEMENT, made and entered into as of the 1st day of May (“Agreement”), by and among Annuity Investors Life Insurance Company, an Ohio life insurance company (“Insurer”) (on behalf of itself and its “Separate Account(s),” defined below); Great American Advisors, Inc., an Ohio corporation, (“Contracts Distributor”), the principal underwriter with respect to the Contracts referred to below; AllianceBernstein L.P., a Delaware limited partnership (“Adviser”), the investment adviser of the Fund referred to below; and AllianceBernstein Investments, Inc., a Delaware corporation (“Distributor”), the Fund’s principal underwriter (collectively, the “Parties”).

ITEM 24 (b) EXHIBITS Fund Participation Agreement dated July 1, 2002, among Neuberger Berman Advisers Management Trust, Neuberger Berman Management Inc., and Annuity Investors Life Insurance Company FUND PARTICIPATION AGREEMENT
Fund Participation Agreement • July 26th, 2002 • Annuity Investors Variable Account C • New York

THIS AGREEMENT, made as of the 1st day of July, 2002, by and among NEUBERGER BERMAN ADVISERS MANAGEMENT TRUST ("TRUST"), NEUBERGER BERMAN MANAGEMENT INC. ("NB MANAGEMENT"), a New York corporation, and ANNUITY INVESTORS LIFE INSURANCE COMPANY ("LIFE COMPANY"), a life insurance company organized under the laws of the State of Ohio.

AMENDED AND RESTATED FUND PARTICIPATION AGREEMENT
Fund Participation Agreement • April 28th, 2017 • Annuity Investors Variable Account C • Delaware

This agreement is made as of the 1st day of October, 2016 by WILSHIRE VARIABLE INSURANCE TRUST, a Delaware Statutory Trust (the “Trust”), on its own behalf and on behalf of each of the series of portfolios set forth on Schedule A, as may be amended from time to time (each a “Fund” and collectively, the “Funds”), ULTIMUS FUND DISTRIBUTORS, LLC, an Ohio limited liability company, (the “Distributor”) and ANNUITY INVESTORS LIFE INSURANCE COMPANY, an Ohio life insurance company (the “Company”), on its own behalf and on behalf of each separate account of the Company set forth on Schedule B, as may be amended from time to time (each an “Account” and collectively the “Accounts”’).

Home Office: Cincinnati, Ohio Fixed Administrative Office: P.O. Box 5420, Cincinnati, Ohio 45201-5420 Variable Administrative Office: P.O. Box 5423, Cincinnati, Ohio 45201-5423 QUALIFIED PENSION, PROFIT SHARING, AND ANNUITY PLAN ENDORSEMENT
Annuity Investors Variable Account C • April 25th, 2008

The annuity contract is changed as set out below to add provisions for a qualified pension, profit sharing, or annuity plan. This endorsement and the annuity contract to which it is attached are not valid without additional endorsement(s) defining the Plan and Plan Administrator.

NOVATION AGREEMENT
Novation Agreement • April 29th, 2010 • Annuity Investors Variable Account C

THIS NOVATION AGREEMENT (this “Agreement”), dated as of the Effective Time (as defined herein), by and among American Century Investment Services, Inc., the distributor (“Distributor”) of the American Century family of mutual funds (the “Funds”), and Annuity Investors Life Insurance Company, (“Company”).

ITEM 24 (b) EXHIBITS Participation Agreement dated July 1, 2002, among Annuity Investors Life Insurance Company, RYDEX Variable Trust, and Rydex Distributors, Inc. PARTICIPATION AGREEMENT
Participation Agreement • July 26th, 2002 • Annuity Investors Variable Account C • Delaware

THIS AGREEMENT, made to be effective as of the 1st day of July, 2002 by and among Annuity Investors Life Insurance Company (hereinafter the "Company"), an Ohio life insurance company, on its own behalf and on behalf of each separate account of the Company set forth on Schedule A hereto as may be amended from time to time (each such account hereinafter referred to as the "Account"), RYDEX VARIABLE TRUST (hereinafter the "Trust"), a Delaware business trust, and RYDEX DISTRIBUTORS, INC. (hereinafter the "Underwriter"), a Maryland corporation.

Home Office: Cincinnati, Ohio Fixed Administrative Office: P.O. Box 5420, Cincinnati, Ohio 45201-5420 Variable Administrative Office: P.O. Box 5423, Cincinnati, Ohio 45201-5423 GOVERNMENTAL SECTION 457 PLAN ENDORSEMENT
Annuity Investors Variable Account C • April 29th, 2008

The annuity contract is changed as set out below to add provisions for a governmental Section 457 plan. This endorsement and the annuity contract to which it is attached are not valid without additional endorsement(s) defining the Plan and Plan Administrator.

ITEM 24 (b) EXHIBITS
Annuity Investors Variable Account C • July 26th, 2002

We entered into the Agreement pursuant to which you provide administrative services ("Services") to customers who are the beneficial owners of shares of various investment companies (the "Funds") serviced by Strong Investor Services, Inc. ("Company") and distributed by Strong Investments, Inc. The Agreement and its corresponding Fee Letter dated April 25, 1997 (the "Fee Letter") specify the applicable Funds and the fees to be paid to you for the Services.

AMENDMENT
Annuity Investors Variable Account C • April 30th, 2004
ITEM 24 (b) EXHIBITS Letter Agreement dated July 1, 2002, between Annuity Investors Life Insurance Company and Dreyfus Service Corporation
Letter Agreement • July 26th, 2002 • Annuity Investors Variable Account C • New York

We at Annuity Investors Life Insurance Company ("Annuity Investors") wish to enter into an Agreement with Dreyfus Service Corporation ("Dreyfus"), to be effective as of the 1st day of July, 2002 with respect to our providing distribution, advertising and marketing assistance and shareholder services relating to the Service shares of each series of the management investment companies (each a "Fund") set forth on Schedule A hereto, as such Schedule may be revised from time to time. Dreyfus is the principal underwriter as defined in the Investment Company Act of 1940, as amended (the "Act"), and the exclusive agent for the continuous distribution of shares of the Funds pursuant to the terms of a Distribution Agreement between Dreyfus and the Fund.

ITEM 24 (b) EXHIBITS
Distribution Services Agreement • July 26th, 2002 • Annuity Investors Variable Account C • Delaware

Annuity Investors Life Insurance Company, ("Insurer") and A I M DISTRIBUTORS, INC. ("Distributor") (collectively, the "Parties") mutually agree to the arrangements set forth in this Distribution Services Agreement (this "Agreement") made to be effective as of July 1, 2002.

FUND PARTICIPATION AGREEMENT SCHEDULE A AMENDED as of January 25, 2008
Fund Participation Agreement • April 27th, 2009 • Annuity Investors Variable Account C

The following Separate Accounts and Associated Contracts of Annuity Investors Life Insurance Company are permitted in accordance with the provisions of this Agreement to invest in Portfolios of the Fund shown in the Fund Participation Agreement dated as of May 1, 2007:

AMENDMENT TO FUND PARTICIPATION AGREEMENT (Service Shares)
Fund Participation Agreement • April 27th, 2009 • Annuity Investors Variable Account C

This Amendment to the Fund Participation Agreement (“Agreement”) dated March 1, 2001, between Janus Aspen Series, an open-end management investment company organized as a Delaware statutory trust (the “Trust”), and Annuity Investors Life Insurance Company, an Ohio life insurance company (the “Company”) is effective as of May 1, 2008.

Contract
2006 Supplemental Agreement • April 27th, 2009 • Annuity Investors Variable Account C • New York

This 2006 Supplemental Agreement is entered into as of October 1, 2006 by and between Dreyfus Service Corporation (“Dreyfus”) on its behalf, and/or on behalf of one or more of the Funds for which it serves as primary underwriter, and the undersigned (the “Intermediary”).

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RULE 22C-2 AMENDMENT TO PARTICIPATION AGREEMENT
Participation Agreement • April 27th, 2009 • Annuity Investors Variable Account C

AMENDMENT entered into as of April 4, 2007, by and between Allianz Global Investors Distributors LLC (“AGID”), the principal underwriter for Premier VIT and PIMCO Variable Insurance Trust (each a “Trust” and, collectively, the “Trusts”) and Annuity Investors Life Insurance Company (“Intermediary”).

ITEM 24 (b) EXHIBITS
Letter Agreement • July 26th, 2002 • Annuity Investors Variable Account C

As you know, we have entered into a participation agreement (the "Participation Agreement") among The Universal Institutional Funds, Inc. (the "Fund," formerly Morgan Stanley Universal Funds, Inc.), Morgan Stanley Investment Management Inc. (formerly Morgan Stanley Asset Management Inc.), Morgan Stanley Investments LP (formerly Miller Anderson & Sherrerd, LLP) and Annuity Investors Life Insurance Company (the "Company"), dated May 1, 1997, as may be amended from time to time, providing for the purchase by the Company of shares of certain series of the Fund ("Portfolios") on behalf of its separate account(s) to fund the variable life and annuity contracts specified in the Participation Agreement ("Contracts").

Amendment to Participation Agreement
Amendment to Participation Agreement • April 28th, 2015 • Annuity Investors Variable Account C

This Amendment to the Participation Agreement (“Agreement”) between Variable Series I, Variable Series II and Investment VIT Funds (the “Funds”), Deutsche Investment Management Americas Inc. (the “Adviser”), DeAWM Distributors, Inc. (formerly, DWS Investments Distributors, Inc.) (the “Distributor”), and Annuity Investors Life Insurance Company (the “Company”) dated May 1, 2008 is effective as of the 1st day of May, 2015. All capitalized terms used herein and not otherwise defined shall have the meaning ascribed to such term in the Agreement.

May 1, 2010
Annuity Investors Variable Account C • April 29th, 2010

Deutsche Investment Management Americas Inc. (“Adviser”) and Annuity Investors Life Insurance Company (“you” and “Company”) are parties to a letter agreement dated May 1, 2008 (“Services Agreement”) concerning certain administrative services provided by you on a sub-administration basis, with respect to various series or portfolios of DWS Variable Series I, DWS Variable Series II and/or DWS Investments VIT Funds (collectively, the “Fund”) used as underlying investments for certain variable insurance products (hereinafter called “Variable Insurance Products”) issued by the Company.

AIM Funds Intermediary Agreement Regarding Compliance with SEC Rule 22c-2
Annuity Investors Variable Account C • April 27th, 2009 • Ohio

This Agreement is made and entered into by and between AIM Investment Services, Inc. (the “Transfer Agent”), a Delaware corporation and the transfer agent for certain management investment companies (each, a “mutual fund”) registered with the U.S. Securities and Exchange Commission (the “SEC”) and regulated under the Investment Company Act of 1940, as amended (the “1940 Act”), and the Intermediary identified below.

ITEM 24 (b) EXHIBITS
Participation Agreement • July 26th, 2002 • Annuity Investors Variable Account C

The Participation Agreement (the "Agreement"), dated April 4, 2001, by and among AIM Variable Insurance Funds, a Delaware trust, A I M Distributors, Inc., a Delaware corporation, Annuity Investors Life Insurance Company, an Ohio life insurance company, and Great American Advisors, Inc., is hereby amended as follows:

THE UNIVERSAL INSTITUTIONAL FUNDS, INC. SERVICING AGREEMENT
Servicing Agreement • April 28th, 2015 • Annuity Investors Variable Account C • New York

THIS SERVICING AGREEMENT (“Agreement”), dated as of May 1, 2015, is by and between THE UNIVERSAL INSTITUTIONAL FUNDS, INC. (the “Fund”) and ANNUITY INVESTORS LIFE INSURANCE COMPANY (the “Company”).

Participation Agreement Addendum Franklin Templeton Variable Insurance Products Trust Franklin/Templeton Distributors, Inc. Annuity Investors Life Insurance Company Great American Advisors, Inc.
Participation Agreement • April 28th, 2015 • Annuity Investors Variable Account C

Franklin Templeton Variable Insurance Products Trust (the “Trust”), Franklin/Templeton Distributors, Inc. (the “Underwriter,” and together with the Trust, “we,” “our,” or “us”), Annuity Investors Life Insurance Company, and Great American Advisors, Inc., your distributor (collectively, the “Company” “you” or “your”), on your behalf and on behalf of certain Accounts, (individually a “Party”, collectively, the “Parties”) have previously entered into a Participation Agreement dated May 1, 2007, as amended (the “Agreement”).

Shareholder Information Agreement (Under Rule 22c-2(a) (2) of the Investment Company Act of 1940)
Shareholder Information Agreement • April 27th, 2009 • Annuity Investors Variable Account C

This Agreement is effective as of the 11th day of October, 2006, by and between OppenheimerFunds Services (“OFS”), a division of OppenheimerFunds, Inc., OppenheimerFunds Distributor, Inc. (“Distributor”) and referred together with OFS as “Oppenheimer”, the following affiliate(s), Annuity Investors Life Insurance Company,and all future affiliates as parties to the Intermediary Agreement (the “Agreement”).

Shareholder Information Agreement Franklin Templeton Variable Insurance Products Trust
Shareholder Information Agreement • April 27th, 2009 • Annuity Investors Variable Account C

This Shareholder Information Agreement (“Agreement”) is entered into as of April 16, 2007, and is among Franklin/Templeton Distributors, Inc. (“Distributors”) on behalf of each Fund, as defined below, and the Intermediary, as defined below. Unless otherwise specified, capitalized terms have the meaning set out under “Definitions,” below.

SHAREHOLDER INFORMATION AGREEMENT
Shareholder Information Agreement • April 27th, 2009 • Annuity Investors Variable Account C

THIS AGREEMENT (the “Agreement”) is made and entered into as of October 16, 2006, or such other compliance date mandated by Rule 22c-2 under the Investment Company Act of 1940 (“Rule 22c-2”), whichever is later, by and between AMERICAN CENTURY INVESTMENT SERVICES, INC. (“ACIS”), and the party signing below (“Intermediary”).

THE UNIVERSAL INSTITUTIONAL FUNDS, INC. SHAREHOLDER INFORMATION AGREEMENT
Shareholder Information Agreement • April 27th, 2009 • Annuity Investors Variable Account C

THIS AGREEMENT, dated as of March 1, 2007, is by and between Morgan Stanley Distribution, Inc. (“Fund Agent”) and the financial intermediary whose name appears on the signature page of this Agreement (“Intermediary”). Fund Agent is entering into this Agreement on behalf of The Universal Institutional Funds, Inc., including any separate series or portfolios thereof, whether existing at the date of this Agreement or established subsequent hereto (each, a “Fund,” and, collectively, the “Funds”).

Addendum to AIM Funds Intermediary Agreement Regarding Compliance with SEC Rule 22c-2
Annuity Investors Variable Account C • April 27th, 2009

This Addendum is made and entered into by and between AIM Investment Services, Inc. (the “Transfer Agent”), a Delaware corporation and the transfer agent for certain management investment companies (each, a “mutual fund”) registered with the U.S. Securities and Exchange Commission (the “SEC”) and regulated under the Investment Company Act of 1940, as amended (the “1940 Act” ), and the Intermediary identified below, in connection with the AIM Funds Intermediary Agreement Regarding Compliance with SEC Rule 22c-2.

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