Income Plus

Income Option 2

The SunAmerica Income Advantage

Guarantee 6.5% Withdrawals

or Guarantee Rising Income for Up to 12 Years

Guarantees are backed by the claims-paying ability of the issuing insurance

company and are based on an optional income protection feature that is only
available with the purchase of a SunAmerica Variable Annuity
Maximize income now with
6.5% guaranteed
The SunAmerica Income Plus optional feature can provide investors with a
Retirement Income Advantage in three different ways. By electing Income Option 2 (Single Life), youll have
the opportunity to:

1 Generate more income with 6.5% withdrawals as early as age 65

With overall retirement spending generally highest in the early years, younger retirees can
maximize their income with 6.5% withdrawals on or after age 65. Should their contract value
be completely depleted due to market volatility and/or withdrawals taken within the features
parameters, they will still benefit from the Protected Income Payment, which guarantees annual
income of 3% for life. For details, please see Key Terms and Definitions.

2 Guarantee rising income for up to 12 years, even in a down

market and after withdrawals begin
Income Plus is one of the few optional income benefits that allow investors to keep the
difference with a partial income credit. Income Plus can guarantee income growth for
up to 12 years by locking in the greater of investment gains or an annual income credit of up
to 6% on each contract anniversary. If withdrawals of less than 6% are taken within the features
parameters, the annual income credit is simply reduced by the percentage of the Income Base
withdrawn. After 12 years, your income can continue to rise from investment gains on each
contract anniversary.

You Can Keep the Difference!

Income Credit
for Guaranteed

6%
Rising Income
4%
2%
Minus
Income Credit Withdrawal

3 Guarantee that your Income Base will double after 12 years

If you decide not to take any withdrawals during the first 12 contract years, your Income Base is
guaranteed to increase to at least 200% of your eligible first-year investments on the 12th contract
anniversary (the Minimum Income Base), regardless of market performance.

Note: With Income Option 2 (Single Life), certain investment requirements apply. 6.5% withdrawals are only available with Income Option 2 (Single
Life). Other income options are available with different withdrawal parameters. There is no assurance that withdrawal amounts will keep pace
with inflation. In a strong market, you may pay for this optional income protection feature and not need to use it. Guarantees are backed by the
claims-paying ability of the issuing insurer. Please see Key Terms and Definitions for more information about the investment requirements and how
SunAmerica Income Plus Income Option 2 works.
d annual withdrawals
You Can Generate MORE INCOME Sooner
with 6.5% Annual Withdrawals
Hypothetical Illustration: 65-Year-Old Investor, Income Option 2 (Single Life)

More Income Now More Income in the Future Downside Protection at All Times
You can begin 6.5% You have the opportunity to lock Your Income Base will never fall due to
withdrawals at age 65. in market gains for future income. a drop in the market as long as you take
withdrawals within the features parameters.

65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 Age

Contract Value Income Base

Your income can only go up with the market, not down

6.5% withdrawals begin at age 65

65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 age

This hypothetical illustration is not to scale. It is intended solely to depict how a SunAmerica Variable Annuity with Income Plus Income Option 2
(Single Life) might work and does not reflect the performance of any specific investment. To ensure rising income, contract value must remain and
withdrawals must not exceed the annual limits of the income option selected. The Protected Income Payment applies if the contract value is completely
depleted due to market volatility and/or withdrawals taken within the features parameters.
Key Terms and Definitions
Age: When determining the withdrawal percentages for this feature, the age at the time of first withdrawal is based on the age of the older individual if
the contract is jointly owned for the Single Life option, or the age of the younger individual for the Joint Life option.
Anniversary Value: The contract value on your contract anniversary (including any spousal continuation contributions and payment enhancements),
less ineligible purchase payments.
Cancellation: Income Plus may be cancelled on the 5th contract anniversary or any contract quarter anniversary after this date. Once the cancellation
becomes effective, the associated fee will no longer be charged. This feature cannot be re-elected following cancellation.
Eligible Purchase Payments: Purchase payments received in the first contract year, plus any additional purchase payments made in contract
year 2 (capped at 100% of first-year purchase payments); all other purchase payments are ineligible. Spousal continuation contributions and any
payment enhancements are not included in the calculation of eligible purchase payments.
Excess Withdrawals: Withdrawals that exceed the Maximum Annual Withdrawal Amount are considered excess withdrawals and will reduce the
Income Base and Income Credit Base in the same proportion by which the contract value is reduced by the excess withdrawal. If an excess withdrawal
reduces the contract value to zero, the feature will terminate and you will no longer be eligible to take withdrawals or receive lifetime income payments.
Income Base: The amount on which guaranteed withdrawals are based. It is initially equal to the first eligible purchase payment. On each contract
anniversary, the Income Base is set to equal the greater of (a) the anniversary value, if greater than all previous anniversary values or (b) the current
Income Base plus the income credit amount (if eligible) during the income credit period. The Income Base is automatically evaluated on contract
anniversaries while the contract value is greater than zero and the feature is still in effect, provided you have not reached the Latest Annuity Date. On
the 12th contract anniversary, the Income Base may be increased to the Minimum Income Base (200% of eligible first-year purchase payments) if no
withdrawals have been taken from the contract. The Income Base is adjusted for excess withdrawals and is increased each time an eligible purchase
payment is made.
Income Credit: The amount that may be added to your Income Base in each of the contracts first 12 years. The annual income credit is 6% of the
Income Credit Base in years that no withdrawals are taken. The annual income credit will be reduced by the percentage of the Income Base withdrawn
in years that withdrawals are taken. An income credit is not available in years an excess withdrawal is taken. When withdrawals are taken that reduce
the available income credit, future income may be lower than if a full income credit were received.
Income Credit Base: A component of the feature that is used to calculate the income credit. Initially, the Income Credit Base is equal to the first
eligible purchase payment. If the Income Base steps up to your anniversary value on a contract anniversary, your Income Credit Base will also step up
to this amount. The Income Credit Base is not increased if your Income Base rises due to the addition of the income credit. The Income Credit Base is
adjusted for excess withdrawals and is increased each time an eligible purchase payment is made.
Income Credit Period: The period of time over which an income credit may be added to the Income Base. It begins on the contract issue date and
ends 12 years later.
Investment Requirements: With Income Option 2, investment requirements apply, including a 20% allocation of the initial and additional purchase
payments to the Secure Value Account (SVA), a fixed account with a one-year term. The remainder of your purchase payments may be allocated
among portfolios that meet the features investment requirements. Quarterly automatic asset rebalancing is required. Amounts allocated to the Secure
Value Account will not be rebalanced and are not available for transfer as long as the feature is in effect. Please see the prospectus for complete details
regarding the investment requirements.
Issue Age: Income Plus is available at contract issue to investors aged 45-80. Please see the prospectus for complete details.
Latest Annuity Date: If the contract value and the Income Base are greater than zero on the Latest Annuity Date (95th birthday), you will need to select
one of these annuity options: 1) Annuitize the contract value under the contracts annuity provisions. 2) Annuitize the contract and receive payments
equal to the MAWA at the Latest Annuity Date for a fixed period. The duration of the fixed period will be determined by dividing the contract value at the
Latest Annuity Date by the current MAWA. As long as the covered person(s) is living, this amount will continue for the specified period after which time
the Protected Income Payment amount will be paid until the death(s) of the covered person(s). 3) Elect any payment option that is mutually agreeable
between you and SunAmerica Annuity. Please note that upon annuitization, the death benefit will no longer apply. See a prospectus for details.
Maximum Annual Withdrawal Amount (MAWA): The maximum income you can take each year. The MAWA percentage for Income Option 2 is:
6.5% of the Income Base for the Single Life option (one covered individual), or 5.5% if withdrawals start before age 65.
6.0% of the Income Base for the Joint Life option (two covered individuals), or 5.0% if withdrawals start before age 65.
The MAWA percentage will decrease if your contract value is completely depleted (see Protected Income Payment).
Protected Income Payment: The amount of annual income you will receive for life if your contract value is completely depleted due to market volatility
and/or withdrawals taken within the features parameters. The Protected Income Payment percentage for Income Option 2 is:
3.0% of the Income Base (Single and Joint Life). However, if withdrawals begin prior to age 65 and your Income Base increases due to investment
gains on or after your 65th birthday, the Protected Income Payment will automatically increase to 4.0% (Single and Joint Life); please note that this
provision does not apply if withdrawals begin at age 65 or later.
The Protected Income Payment is based on the highest Income Base achieved, provided withdrawals are taken within the features parameters.
Protection Based Pricing: The pricing structure that is used to calculate the fee after the first year. The initial fee rate (1.10% of the Income Base for
Single Life option; 1.35% for the Joint Life option) is guaranteed for one year. After the first year, the fee rate will change based on a predetermined, non-
discretionary formula tied to the change in the Volatility Index (VIX), an index of market volatility reported by the Chicago Board Options Exchange.
With Protection Based Pricing, the fee rate can decrease in stable markets when the protection guarantee is generally not used and can increase in
volatile markets when the guarantee may be critical in helping to protect your income. The maximum annualized fee rate decrease or increase is 0.25%
each quarter. This means the fee rate can decrease or increase by no more than 0.0625% each quarter (0.25%/4). The minimum fee rate for the life of
the contract is 0.60% of the Income Base. The maximum fee rate for the life of the contract is 2.20% (Single Life) and 2.70% (Joint Life) of the Income
Base. Fees are deducted from the contract value quarterly. Please see the prospectus for details on how the fee is calculated. Note: This feature does
not provide an option to opt-out of a fee change. However, the feature may be cancelled as described above.
Tax-Qualified Plan: A plan that meets the requirements of the Internal Revenue Code and is therefore eligible to receive certain tax benefits. IRAs
and 401(k)s are examples of tax-qualified plans. If you use this contract to fund a tax-qualified plan and plan on taking Required Minimum Distributions
(RMDs), please see the prospectus for more information and consult with a tax advisor concerning your particular circumstances. Income Plus may not
be appropriate for use with contributory IRAs or other tax-qualified plans if you plan to make ongoing contributions.
For complete details regarding Income Plus, please see a prospectus.

AGE
Research Shows Overall Spending Is
Highest Early in Retirement
and Declines with Age
One common misconception is that a retirees expenses will remain the same
throughout retirementor possibly even rise. However, the opposite may be true.

When Will You Need the Most Income in Retirement?

The Average Retiree Needs 24% Less Income a Year

After Age 74!

Age 65-74 $41,434

Age 75+ $31,529

Source: U.S. Department of Labor, Bureau of Statistics, Consumer Expenditure Survey, September 2011.

Generate More Income Sooner with a SunAmerica

Variable Annuity with Income Plus
A SunAmerica Variable Annuity can help you build more assets for retirement through tax deferral,
professional money management and diverse investment choices. Plus, by electing Income Plus
Income Option 2 (Single Life), youll have the opportunity to generate more income now with
6.5% withdrawals as early as age 65.

Note: The SunAmerica Variable Annuities are long-term investments designed for retirement purposes. In the Accumulation
phase, they can help you build assets on a tax-deferred basis. In the Income phase, they can provide you with guaranteed income through
standard or optional features. Variable annuities are subject to costs that include a separate account fee, a contract maintenance fee,
expenses related to the operation of the variable portfolios and the costs associated with any optional features elected. The Income Plus
optional feature is subject to additional fees, investment restrictions and other limitations. Guarantees are backed by the claims-paying
ability of the issuing insurer. Withdrawals of taxable amounts are subject to ordinary income tax, and if taken prior to age 59, an additional
10% federal tax may apply. Early withdrawals may be subject to withdrawal charges. Partial withdrawals may reduce benefits available
under the contract as well as the amount available upon a full surrender. Investment involves risk, including the possible loss of principal.
Your contract value when redeemed may be worth more or less than your original investment. If you fund your IRA or 401(k) with a variable
annuity, you should realize that these retirement accounts are already tax deferred. A variable annuity provides no additional tax-deferred
benefit beyond that provided by the plan. You should only use a variable annuity in a tax-qualified plan if you want to benefit from features
other than tax deferral. Please consult with your financial and tax advisors regarding your individual situation.
The SunAmerica Variable Annuities are sold by prospectus only. The prospectus contains the investment
objectives, risks, fees, charges, expenses and other information regarding the contract and underlying funds,
which should be considered carefully before investing. Please contact your insurance-licensed financial advisor
or call 1-800-445-7862 to obtain a prospectus. Please read the prospectus carefully before investing.
S&P and Standard & Poors are trademarks of Standard & Poors and have been licensed for use by SunAmerica Annuity and Life
Assurance Company. CBOE Volatility Index and VIX are trademarks of the Chicago Board Options Exchange, Incorporated (CBOE) and
have been licensed for use by Standard & Poors. SunAmerica Variable Annuities are not sponsored, endorsed, sold or promoted by Standard
& Poors or the CBOE and neither Standard & Poors nor the CBOE make any representation regarding the advisability of investing in a
SunAmerica Variable Annuity.
This material was prepared to support the marketing of the SunAmerica Variable Annuities. Please keep in mind that neither SunAmerica
Annuity nor its representatives may give tax, accounting or legal advice. Any tax statements in this material are not intended to suggest the
avoidance of U.S. federal, state or local tax penalties. Please seek the advice of an independent tax advisor or attorney for more complete
information concerning your particular circumstances and any tax statements made in this material.
All contract and optional benefit guarantees, including any fixed account crediting rates or annuity rates, are backed by the claims-
paying ability of SunAmerica Annuity and Life Assurance Company. They are not backed by the broker/dealer from which this annuity
is purchased, by the insurance agency from which this annuity is purchased or any affiliates of those entities and none makes any
representations or guarantees regarding the claims-paying ability of SunAmerica Annuity and Life Assurance Company.
The SunAmerica Variable Annuities are issued by SunAmerica Annuity and Life Assurance Company (SunAmerica Annuity). Products
are marketed by SunAmerica, The Retirement Specialist. Products and features may not be available in all states. Policy form numbers:
AS-992C (12/10), AS-993 (12/10), ASE-6229 (12/10), and ASE-6257 (5/11). The purchase of a variable annuity is not required for and is not a
term of the provision of any banking service or activity.
Distributed by SunAmerica Capital Services, Inc., 21650 Oxnard Street, Suite 750, Woodland Hills, CA 91367-4997, 1-800-445-7862.

Not FDIC or NCUA/NCUSIF Insured

May Lose Value No Bank or Credit Union Guarantee
Not a Deposit Not Insured by any Federal Government Agency
www.sunamerica.com

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