SEC Form N-4



A filing with the Securities and Exchange Commission (SEC) that must be submitted by all insurance company separate accounts organized as unit investment trusts offering variable annuity contracts. SEC Form N-4 is required under the Securities Act of 1933 and the Investment Company Act of 1940 and is meant to provide investors with information about variable annuity contracts so they can determine whether to invest in them.


Part A of this filing, the prospectus, must contain clearly written information about the investment that the average investor, who may not have a specialized background in finance or law, can understand. Part A contains a general description of the registrant and a general description of variable annuity contracts as well as information about accumulation unit values, deductions, annuity period, death benefit, purchases and contract value, redemptions, taxes and legal proceedings.

Part B provides additional information that is not required to be part of the prospectus but that may be valuable to certain investors, such as general information and history, underwriters and calculation of performance data.

Finally, Part C contains financial statements and exhibits, directors and officers of the depositor, number of contract owners and other required information.

  1. Investment Company Act Of 1940

    Created in 1940 through an act of Congress, this piece of legislation ...
  2. Securities And Exchange Commission ...

    A government commission created by Congress to regulate the securities ...
  3. Prospectus

    A formal legal document, which is required by and filed with ...
  4. Variable Annuity

    An insurance contract in which, at the end of the accumulation ...
  5. Securities Act Of 1933

    A federal piece of legislation enacted as a result of the market ...
  6. Unit Investment Trust - UIT

    An investment company that offers a fixed, unmanaged portfolio, ...
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  1. Can I borrow from my annuity to put a down payment on a house?

    You can borrow from your annuity to put a down payment on a house, but be prepared to pay an assortment of fees and penalties. ... Read Full Answer >>
  2. What are the main kinds of annuities?

    There are two broad categories of annuity: fixed and variable. These categories refer to the manner in which the investment ... Read Full Answer >>
  3. What are the risks of rolling my 401(k) into an annuity?

    Though the appeal of having guaranteed income after retirement is undeniable, there are actually a number of risks to consider ... Read Full Answer >>
  4. How do I get out of my annuity and transfer to a new one?

    If you decide your current annuity is not for you, there is nothing stopping you from transferring your investment to a new ... Read Full Answer >>
  5. What are the biggest disadvantages of annuities?

    Annuities can sound enticing when pitched by a salesperson who, not coincidentally, makes huge commissions selling them. ... Read Full Answer >>
  6. What are the risks of annuities in a recession?

    Annuities come in several forms, the two most common being fixed annuities and variable annuities. During a recession, variable ... Read Full Answer >>

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