Variable Annuities: Guarantees for the Future

Do you want an investment that provides guaranteed retirement income and a guaranteed death benefit? Consider a variable annuity.

Living and death benefit riders are optional add-ons to an annuity contract that you may buy for an extra fee. A living benefit rider guarantees a payout while the annuitant is still alive, even if the account value goes to zero, so one cannot outlive their income. A death benefit rider protects beneficiaries against a decline in the annuity's value. Variable annuities could be a good source of retirement income because they may have the ability to outpace inflation.

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Investors should consider the investment objectives of the variable annuity carefully before investing.  An investment in a variable annuity involves investment risk, including possible loss of principal.  Variable annuities are designed for long-term investing.  The contract, when redeemed, may be worth more or less than the total amount invested.  Variable annuities are subject to insurance related charges including mortality and expense charges, administrative fees, and the expenses associated with the underlying funds. Withdrawals prior to age 59 ½ may result in a 10% IRS tax penalty, in addition to any ordinary income tax.  The guarantee of the annuity is backed by the financial strength of the underlying insurance company.  Investment sub-account value will fluctuate with changes market conditions. The prospectus contains this and other information about the variable annuity