Benefit from the market’s upside with our new S&P 500® Monthly Point-to-Point indexed account option Now available on ALL Phoenix Reflections and Index Select fixed indexed annuities, including the new Gold versions featuring higher premium bonus percentages** · Offers 12 opportunities a year to capture the upside potential of the S&P 500* · Index crediting is based on the cumulative sum of monthly S&P 500 percentage changes (positive and negative) over a one-year period, with positive changes subject to a cap · At the end of the year, if the sum is positive, your client’s account value is credited by that amount. If the sum is negative, the account loses nothing! · Hypothetical example: If the monthly cap is 2.5%, the index credit has the potential to be as much as 30% (assumes all 12 monthly S&P 500 index returns for the one-year segment exceed 2.5%) · Other index crediting options tied to a variety of market indices are available See the attached for more hypothetical examples and call us at 888.794.4447 (option 1) to learn more. *S&P 500 is a free-float market-capitalization weighted index of 500 of the largest U.S. companies; values used to determine index credits exclude dividends. **Crediting rates may be less for a bonus product than for a comparable non-bonus product. For producer use only. Not for distribution to the public. Product availability subject to state approval and availability may vary. Annuities are long-term investment vehicles particularly suitable for retirement assets. Early withdrawals may be subject to surrender charges. Withdrawals are subject to ordinary income tax and if taken prior to age 59-1/2, a 10% IRS penalty may apply. Non-Security Status Disclosure: Phoenix Indexed Annuity Contracts have not been approved or disapproved by the Securities and Exchange Commission. The Contracts are not registered under the Securities Act of 1933 and are being offered and sold in reliance on an exemption therein. “Standard & Poor’s®,” “S&P®,” “S&P 500®” and “Standard & Poor’s 500TM” are trademarks of Standard & Poor’s Financial Services LLC (“Standard and Poor’s”) and have been licensed for use by Phoenix Life Insurance Company and its affiliates. Phoenix indexed annuities are not sponsored, endorsed, sold or promoted by Standard & Poor’s and Standard & Poor’s makes no representation regarding the advisability of purchasing Phoenix indexed annuities. Phoenix Index Select Gold, Phoenix Index Select Gold Bonus, Phoenix Reflections Gold, Phoenix Reflections Gold Bonus (10FIA) and Phoenix Index Select, Phoenix Index Select Bonus, Phoenix Reflections and Phoenix Reflections Bonus (09EIA, ICC09EIA, ICC09EIAN, ICC09EIAX) are issued by PHL Variable Insurance Company (PHLVIC) (Hartford, CT). PHLVIC is not authorized to conduct business in Maine and New York. BPD37568 10/10 | 
