1. A Reason to Celebrate! Item#A5097PPT BPD38833 (7/13) Enhancements to Phoenix Indexed Annuities For Producer Use Only. Not for distribution to the public as sales literature.

2. Plan Right, Retire Right

3. Plan for the risks > Longevity - outliving your money > Inflation - declining purchasing power > Health Care - rising and unforseen cost > Investment - unpredictable portfolio performance > Lifestyle - maintaining your lifestyle With new possibilities come certain challenges

4. A Reason to Celebrate Effective July 1 st, Phoenix announced the following annuity product enhancements: Personal Income Annuity > Increases to income amounts on the Income Strategy: Today and Tomorrow riders of up to 25% > Increase to cap rates by as much as 200% > Transition rules for pending PIA applications apply Personal Protection Choice Annuity > Increase to cap rates by as much as 275% Index Select Gold Bonus/Reflections Gold Bonus > Increase to cap rates by as much as 120%

5. Personal Income Annuity

6. Today: Tomorrow: Old Benefit Amounts NEW Enhanced Benefits CELEBRATE – Enhanced Income Amounts (effective 7/1/13) Phoenix Personal Income Annuity Today: Tomorrow: 11% 14% 15% 11% 20% Age 60, wait 1 year = $5,308 Age 60, wait 1 year = $5,926 Age 64, wait 1 year = $5,761 Age 69, wait 1 year = $6,215 Age 64, wait 1 year = $6,408 Age 69, wait 1 year = $7,081 Age 60, wait 5 years = $6,698 Age 65, wait 5 years = $7,667 Age 59, wait 3 years = $5,424 Age 60, wait 5 years = $7,718 Age 65, wait 5 years = $8,483 Age 59, wait 3 years = $6,532

7. > Bonus to income benefit base: > Annual Roll-up: 3% simple interest in years 3-10 > Roll-up Reset 2 : continues roll-up for 10 more years; rate will be no less than 3% TODAY TOMORROW > Annual Roll-up: 14% simple interest to the benefit base for years 1-10 > Roll-up Reset 2 : continues roll-up for 10 more years; rate will be no less than 3% INCOME PROTECTION - Guaranteed lifetime income benefit 1 Phoenix Personal Income Annuity Total bonus will be:If withdrawals begin: 30% Year 1 37.5 % Year 2 45 % Year 3 1.Guaranteed lifetime income benefit is calculated as a percentage of the benefit base, based on the annuitant’s age at issue, age at rider exercise and single or spousal benefit options. Benefit Base is used solely to calculate the annual benefit amount and rider fee. It is not a guarantee of contract value and is not available for immediate withdrawal. 2.Rider fee may increase upon reset

8. Phoenix Personal Income Annuity

11. Phoenix Personal Protection Choice

12. A Combination Benefit, Fixed Indexed Annuity A single solution designed to provide for multiple needs: 1- Income 2- Health Care 3- Family A single solution designed to provide for multiple needs: 1- Income 2- Health Care 3- Family Select a time horizon: >Today >Tomorrow and, choose from 3 guaranteed minimum withdrawal benefit options: >Income & Care Protection >Income & Family Protection >Income, Family & Care Protection GMWB riders are optional and involve an annual fee of a percentage of the benefit base deducted from the contract value. Fees for each rider are: Income & Care Protection: 0.95%, Income & Family Protection: 1.15%, Income, Family & Care Protection: 1.15%.

13. Phoenix Personal Protection Choice

15. Enhanced Flexibility > RMD Friendly: any withdrawals for RMDs associated with this contract will not incur withdrawal fees 1,2 > Withdrawals will not automatically exercise rider > Up to 10% in free withdrawals during surrender period 3, 4 1.Upon full surrender, any penalty-free withdrawals taken in the prior 12 months will be assessed a surrender charge. 2.For contracts with an optional rider, withdrawals in excess of the guaranteed withdrawal amount will reduce the benefit base and therefore may impact rider benefits. 3.Any withdrawals taken prior to the date guaranteed lifetime income starts will impact guaranteed income but will not impact the roll-up. 4.For Phoenix Reflections Gold Bonus and Phoenix Index Select Gold Bonus contracts, non-RMD withdrawals in the first contract year will incur a surrender charge and a market value adjustment. These annuities do not modify the tax treatment of IRA assets, including the need for Required Minimum Distributions. Available with all Phoenix Fixed Index Annuities

16. Phoenix Personal Protection Choice

17. Marketing Tools Phoenix PartnerCenter Phoenix Personal Protection Choice Client Brochure, Product Summary and Rider Overview Income and Family Protection Rider Overviews

18. A Reason to Celebrate Effective July 1 st, Phoenix announced the following annuity product enhancements: Personal Income Annuity > Increases to income amounts on the Income Strategy: Today and Tomorrow riders of up to 25% > Increase to cap rates by as much as 200% > Transition rules for pending PIA applications apply Personal Protection Choice Annuity > Increase to cap rates by as much as 275% Index Select Gold Bonus/Reflections Gold Bonus > Increase to cap rates by as much as 120%

19. Lifetime payments and guarantees are based on the claims-paying ability of PHL Variable Insurance Company. Phoenix indexed annuities are issued by PHL Variable Insurance Company, (PHLVIC), Hartford, CT. PHLVIC is not authorized to conduct business in NY and ME. A member of The Phoenix Companies, Inc. Thank You ! #1-888-661-1999