* Annuities are contracts between you and an insurance company. Annuity product guarantees rely on the financial strength and claims-paying ability of the issuing insurer.
* A fixed index annuity with specific rider(s), subject to an additional premium, percentage of earnings and income (return) may comprise one or more of the following: an upfront bonus, the guaranteed interest rate before withdrawals or before annuitization begins, or your income based on account value. (Bonus annuities may carry higher fees and charges than annuities without the bonus feature, and may not pay the bonus in case of early withdrawal.) Guarantees rely on the insurer's financial strength and claims-paying ability. See your annuity contract for terms, exclusions and limitations. Excess withdrawals and any withdrawal prior to age 59½ may significantly reduce the guaranteed withdrawal benefit amount and be subject to an additional 10% federal income tax penalty.
This material has been prepared for informational and educational purposes only. It is not intended to provide, and should not be relied upon for, accounting, legal, tax or investment advice. Please consult with a professional specializing in these areas regarding the applicability of this information to your situation.
** Annuity riders may be available for an additional annual premium that may provide additional benefits and income guarantees.
Savings of fees is based upon hypothetical savings realized by utilizing a guaranteed fixed insurance contract rather than a variable annuity contract of same dollar amount over a 20 year period.
Additional earnings is based upon a hypothetical example utilizing guaranteed fixed insurance contracts to create a lifetime income stream for a person within the qualified age group. Hypothetical assumes an initial principal amount and is compared to a withdrawal strategy of 4% of the account value.
NOT FDIC INSURED. NOT BANK GUARANTEED. MAY LOSE VALUE, INCLUDING LOSS OF PRINCIPAL. NOT INSURED BY ANY STATE OR FEDERAL AGENCY.
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