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ZURICH AMERICAN LIFE INSURANCE COMPANY (Formerly KEMPER INVESTORS LIFE INSURANCE COMPANY) (Name of Depositor)

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ZURICH AMERICAN LIFE INSURANCE COMPANY (Formerly KEMPER INVESTORS LIFE INSURANCE COMPANY) (Name of Depositor) SECURITIES AND EXCHANGE COMMISSION FORM 485BPOS Post-effective amendments [Rule 485(b)] Filing Date: 2018-05-01 SEC Accession No. 0001193125-18-146605 (HTML Version on secdatabase.com) FILER ZALICO VARIABLE ANNUITY SEPARATE ACCOUNT Mailing Address Business Address 2500 WESTFIELD DRIVE 2500 WESTFIELD DRIVE CIK:353448| IRS No.: 363050975 | State of Incorp.:IL | Fiscal Year End: 1231 LEGAL DEPARTMENT LEGAL DEPARTMENT Type: 485BPOS | Act: 33 | File No.: 333-22375 | Film No.: 18795707 ELGIN IL 60123 ELGIN IL 60123 847-930-7272 ZALICO VARIABLE ANNUITY SEPARATE ACCOUNT Mailing Address Business Address 2500 WESTFIELD DRIVE 2500 WESTFIELD DRIVE CIK:353448| IRS No.: 363050975 | State of Incorp.:IL | Fiscal Year End: 1231 LEGAL DEPARTMENT LEGAL DEPARTMENT Type: 485BPOS | Act: 40 | File No.: 811-03199 | Film No.: 18795708 ELGIN IL 60123 ELGIN IL 60123 847-930-7272 Copyright © 2018 www.secdatabase.com. All Rights Reserved. Please Consider the Environment Before Printing This Document Table of Contents As filed with the Securities and Exchange Commission on May 1, 2018 Registration Nos. 333-22375 and 811-3199 SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM N-4 REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933 ☐ Pre-Effective Amendment No. ☐ Post-Effective Amendment No. 29 ☒ And REGISTRATION STATEMENT UNDER THE INVESTMENT COMPANY ACT OF 1940 ☒ Amendment No. 132 ZALICO VARIABLE ANNUITY SEPARATE ACCOUNT (formerly KILICO VARIABLE ANNUITY SEPARATE ACCOUNT) (Exact Name of Registrant) ZURICH AMERICAN LIFE INSURANCE COMPANY (formerly KEMPER INVESTORS LIFE INSURANCE COMPANY) (Name of Depositor) 1299 Zurich Way, Schaumburg, Illinois 60196 (Address of Depositors Principal Executive Offices) Depositors Telephone Number, including Area Code: (425) 577-5100 Copyright © 2018 www.secdatabase.com. All Rights Reserved. Please Consider the Environment Before Printing This Document Name and Address of Agent for Service: Copy to: Juanita M. Thomas, Esq. Richard T. Choi, Esq. 1114 Georgia Street Carlton Fields Jorden Burt Louisiana, MO 63353 1025 Thomas Jefferson Street, N.W., Suite 400 East Washington, DC 20007-5208 It is proposed that this filing will become effective: ☐ Immediately upon filing pursuant to paragraph (b) of Rule 485 ☒ On May 1, 2018, pursuant to paragraph (b) of Rule 485 ☐ 60 days after filing pursuant to paragraph (a) of Rule 485 ☐ On pursuant to paragraph (a) of Rule 485 Title of securities being registered: Units of interest in a separate account under individual and group variable, fixed and market value adjusted deferred annuity contracts. Copyright © 2018 www.secdatabase.com. All Rights Reserved. Please Consider the Environment Before Printing This Document Table of Contents Individual and Group Variable, Fixed, and Market Value Adjusted Deferred Annuity Contracts Issued by Prospectus Zurich American Life Insurance Company May 1, 2018 Through ZALICO Variable Annuity Separate Account Service Center Scudder SM Home Office Scudder Destinations Service Team SM 1299 Zurich Way PO Box 19097 Destinations Schaumburg, Illinois 60196 Greenville, SC 29602-9097 Annuity Phone: 1-800-449-0523 (toll free) www.zurichamericanlifeinsurance.com 8:30 a.m. to 6:00 p.m. Eastern Time M-F This Prospectus describes the Scudder DestinationsSM Annuity, a variable, fixed and market value adjusted deferred annuity contract (the Contract) offered by Zurich American Life Insurance Company (we or ZALICO). The Contract is designed to provide annuity benefits for retirement that may or may not qualify for certain federal tax advantages. Depending on particular state requirements, the Contract may have been issued on a group or individual basis. The Contract is currently not being issued. Investing in this Contract involves risk, including possible loss of some or all of your investment. You may allocate Purchase Payments to one or more of the variable options or the Fixed Account Option, or the Market Value Adjustment (MVA) Option (the MVA Option) in states where an MVA is authorized. The availability of the Fixed Account Option and the MVA Option may be restricted in some states. The Contract currently offers 21 variable options, each of which is a Subaccount of ZALICO Variable Annuity Separate Account that invests solely in shares of one of the Portfolios listed below. Currently, you may choose to invest among the following Portfolios: AIM Variable Insurance Funds (Invesco Variable Insurance Deutsche Global Equity VIP Funds) (Series I Shares): Deutsche Small Mid Cap Value VIP Invesco V.I. Managed Volatility Fund Deutsche International Growth VIP (formerly Deutsche The Alger Portfolios (Class I-2 Shares): Global Growth VIP)1 Alger Balanced Portfolio Deutsche Government & Agency Securities VIP Alger Capital Appreciation Portfolio Deutsche High Income VIP Deutsche Investments VIT Funds (Class A Shares): Deutsche CROCI® U.S. VIP Deutsche Equity 500 Index VIP Deutsche Government Money Market VIP Deutsche Variable Series I (Class A Shares): Deutsche Small Mid Cap Growth VIP Deutsche Bond VIP Deutsche Multisector Income VIP (formerly Deutsche Deutsche Capital Growth VIP Unconstrained Income VIP)2 Deutsche Global Small Cap VIP Dreyfus Investment Portfolios (Initial Share Class): Deutsche Core Equity VIP Dreyfus Investment Portfolios, MidCap Stock Portfolio Deutsche CROCI® International VIP The Dreyfus Sustainable U.S. Equity Portfolio, Inc. (Initial Deutsche Variable Series II (Class A Shares): Share Class) Deutsche Global Income Builder VIP 1 Effective October 1, 2017, Deutsche Global Growth VIP changed its name to Deutsche International Growth VIP. 2 Effective October 2, 2017, Deutsche Unconstrained Income VIP changed its name to Deutsche Multisector Income VIP. We may add or delete Subaccounts and Portfolios in the future. The Contract Value that you allocate to any of the Subaccounts will vary, reflecting the investment experience of the Portfolio in which the selected Subaccount invests. The Contract Value that you allocate to the Fixed Account or one or more Guarantee Periods of the MVA Option accumulates interest at rates set in advance by ZALICO. Copyright © 2018 www.secdatabase.com. All Rights Reserved. Please Consider the Environment Before Printing This Document Please be aware that Market Value Adjustments are sensitive to changes in interest rates. If you withdraw money from a Guarantee Period before its term has expired, and during a period of rising interest rates, you likely will be assessed a negative Market Value Adjustment. In times of rising interest rates, the negative Market Value Adjustment could result in a substantial downward adjustment to your Contract Value. Before you take a withdrawal from a Guarantee Period, you should know its expiration date, and ask the Service Center to calculate whether a Market Value Adjustment will apply and how much it will be. PAGE 1 Copyright © 2018 www.secdatabase.com. All Rights Reserved. Please Consider the Environment Before Printing This Document Table of Contents The Contracts are not insured by the FDIC. They are obligations of the issuing insurance company and not a deposit of, or guaranteed by, any bank or savings institution and are subject to risks, including possible loss of principal. This Prospectus contains important information about the Contracts that you should know before investing. You should read it before investing and keep it for future reference. We have filed a Statement of Additional Information (SAI) with the Securities and Exchange Commission. The current SAI has the same date as this Prospectus and is incorporated by reference in this Prospectus. You may obtain a free copy by contacting the Service Center. A table of contents for the SAI appears at the end of this Prospectus. You may also find this Prospectus and other information about the Separate Account required to be filed with the Securities and Exchange Commission (SEC) at the SECs web site at http://www.sec.gov. The date of this Prospectus is May 1, 2018. The Securities and Exchange Commission has not approved or disapproved the Contract or determined that this Prospectus is accurate or complete. Anyone who tells you otherwise is committing a U.S. Federal crime. Not FDIC Insured May Lose Value No Bank Guarantee PAGE 2 Copyright © 2018 www.secdatabase.com. All Rights Reserved. Please Consider the Environment Before Printing This Document Table of Contents TABLE OF CONTENTS Page DEFINITIONS 5 SUMMARY 7 SUMMARY OF EXPENSES 10 EXAMPLE 13 REDEMPTION FEES 14 DISTRIBUTION COSTS 14 CONDENSED FINANCIAL INFORMATION 15 ZALICO, THE MVA OPTION, THE SEPARATE ACCOUNT AND THE FUNDS 16 A. Zurich American Life Insurance Company 16 B. Risks of Managing General Account Assets 16 C. Financial Condition of the Company 17 D. The Guarantee Periods of the MVA Option 18 E. The Separate Account 18 F. The Funds 19 G. Selection of Funds 22 H. Change of Investments 23 FIXED ACCOUNT OPTION 24 THE CONTRACTS 24 A. General Information 24 B. The Accumulation Period 25 1. Application of Purchase Payments 25 2. Accumulation Unit Value 26 3. Guarantee Periods of the MVA Option 26 4. Establishment of Guaranteed Interest Rates 27 5. Contract Value 27 6. Transfers During the Accumulation Period 28 7. Policy and Procedures Regarding Disruptive Trading and Market Timing 30 8. Withdrawals During the Accumulation Period 33 9. Market Value Adjustment 34 10. Guaranteed Death Benefit 36 CONTRACT CHARGES AND EXPENSES 37 A. Charges Against The Separate Account 37 1. Mortality and Expense Risk Charge 37 2. Administration Charge
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