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In observance of the Christmas Day federal holiday, the New York Stock Exchange and Capital Group’s U.S. offices will close early on Wednesday, December 24 and will be closed on Thursday, December 25. On December 24, the New York Stock Exchange (NYSE) will close at 1 p.m. (ET) and our service centers will close at 2 p.m. (ET)

Insurance Series Mutual Funds fee waivers and expense reimbursements

Fee waivers and expense reimbursements for each fund are described below.

Please see each fund’s most recent annual report or prospectus for details.

Growth funds

  • The fund’s transfer agent is currently waiving a portion of the other expenses for Class 1, 1A, 2 and 4 shares. Investment results and net expense ratios reflect the waiver, without which the results would have been lower and expense ratios would have been higher. This waiver will be in effect through at least May 1, 2026. The transfer agent may elect at its discretion to extend, modify or terminate the waiver at that time.

  • The fund’s transfer agent is currently waiving a portion of the other expenses for Class 1, 1A, 2 and 4 shares. Investment results and net expense ratios reflect the waiver, without which the results would have been lower and expense ratios would have been higher. This waiver will be in effect through at least May 1, 2026. The transfer agent may elect at its discretion to extend, modify or terminate the waiver at that time.

  • The fund’s transfer agent is currently waiving a portion of the other expenses for Class 1, 1A, 2 and 4 shares. Investment results and net expense ratios reflect the waiver, without which the results would have been lower and expense ratios would have been higher. This waiver will be in effect through at least May 1, 2026. The transfer agent may elect at its discretion to extend, modify or terminate the waiver at that time.

  • The investment adviser is currently reimbursing a portion of other expenses for Class 1, 1A, 2 and 4 shares. Investment results and net expense ratios reflect the reimbursement, without which the results would have been lower and expense ratios would have been higher. The reimbursement will be in effect through at least May 1, 2026. The adviser may elect at its discretion to extend, modify or terminate the reimbursement at that time.

Growth and income funds

  • The fund’s transfer agent is currently waiving a portion of the other expenses for Class 1, 1A, 2 and 4 shares. Investment results and net expense ratios reflect the waiver, without which the results would have been lower and expense ratios would have been higher. This waiver will be in effect through at least May 1, 2026. The transfer agent may elect at its discretion to extend, modify or terminate the waiver at that time.

  • The investment adviser has reimbursed a portion of other expenses in the past.

  • The fund’s transfer agent is currently waiving a portion of the other expenses for Class 1, 1A, 2 and 4 shares. Investment results and net expense ratios reflect the waiver, without which the results would have been lower and expense ratios would have been higher. This waiver will be in effect through at least May 1, 2026. The transfer agent may elect at its discretion to extend, modify or terminate the waiver at that time.

Equity-income funds

  • The fund’s transfer agent is currently waiving a portion of the other expenses for Class 1, 1A, 2 and 4 shares. Investment results and net expense ratios reflect the waiver, without which the results would have been lower and expense ratios would have been higher. This waiver will be in effect through at least May 1, 2026. The transfer agent may elect at its discretion to extend, modify or terminate the waiver at that time.

Balanced funds

  • The fund’s transfer agent is currently waiving a portion of the other expenses for Class 1, 1A, 2 and 4 shares. Investment results and net expense ratios reflect the waiver, without which the results would have been lower and expense ratios would have been higher. This waiver will be in effect through at least May 1, 2026. The transfer agent may elect at its discretion to extend, modify or terminate the waiver at that time.

Bond funds

  • The fund’s transfer agent is currently waiving a portion of the other expenses for Class 1, 1A, 2 and 4 shares. Investment results and net expense ratios reflect the waiver, without which the results would have been lower and expense ratios would have been higher. This waiver will be in effect through at least May 1, 2026. The transfer agent may elect at its discretion to extend, modify or terminate the waiver at that time.

  • The investment adviser is currently waiving a portion of its management fee. The waiver will be in effect through at least May 1, 2026. The waiver may only be modified or terminated with the approval of the fund's board.

  • The fund’s transfer agent is currently waiving a portion of the other expenses for Class 1, 1A, 2 and 4 shares. Investment results and net expense ratios reflect the waiver, without which the results would have been lower and expense ratios would have been higher. This waiver will be in effect through at least May 1, 2026. The transfer agent may elect at its discretion to extend, modify or terminate the waiver at that time.

  • The investment adviser has reimbursed a portion of other expenses in the past.

  • The investment adviser is currently waiving a portion of its management fee. The waiver will be in effect through at least May 1, 2026. The waiver may only be modified or terminated with the approval of the fund's board.

Managed risk funds

  • The investment adviser has reimbursed a portion of other expenses in the past.

  • The investment adviser has reimbursed a portion of other expenses in the past.

  • The investment adviser has reimbursed a portion of other expenses in the past.

  • The investment adviser has reimbursed a portion of other expenses in the past.

  • The investment adviser is currently reimbursing a portion of other expenses. Investment results and net expense ratios reflect the reimbursement, without which the results would have been lower and expense ratios would have been higher. The reimbursement will be in effect through at least May 1, 2026. The adviser may elect at its discretion to extend, modify or terminate the reimbursement at that time.

Portfolio series funds

  • The investment adviser has reimbursed a portion of other expenses in the past.

  • The investment adviser has reimbursed a portion of other expenses in the past.

  • The investment adviser has reimbursed a portion of other expenses in the past.

  • The investment adviser has reimbursed a portion of other expenses in the past.

  • The investment adviser has reimbursed a portion of other expenses in the past.

Target date funds

  • The investment adviser has reimbursed a portion of other expenses in the past.

  • The investment adviser has reimbursed a portion of other expenses in the past.

  • The investment adviser has reimbursed a portion of other expenses in the past.

  • The investment adviser has reimbursed a portion of other expenses in the past.

  • The investment adviser has reimbursed a portion of other expenses in the past.

  • The investment adviser has reimbursed a portion of other expenses in the past.
Investments are not FDIC-insured, nor are they deposits of or guaranteed by a bank or any other entity, so they may lose value.
Investors should carefully consider investment objectives, risks, charges and expenses. This and other important information is contained in the American Funds Insurance Series prospectuses and summary prospectuses, which can be obtained from a financial professional and should be read carefully before investing.
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This content, developed by Capital Group, home of American Funds, should not be used as a primary basis for investment decisions and is not intended to serve as impartial investment or fiduciary advice.