An annuity is an insurance contract. An annuity contract is created when an individual gives an insurance company money, which may grow on a
tax-deferred basis and then can be distributed back to the owner in several ways. The defining characteristic of all annuity contracts is the option
for a guaranteed distribution of income until the death of the person or persons named in the contract. Some annuity investors use annuities only
to accumulate funds and to take lump-sum withdrawals without using the guaranteed-income-for-life feature.

Variable Annuities

A variable annuity is a contract between yourself and an insurance company, under which the insurer agrees to make periodic payments to you in
exchange for your purchase payment(s), beginning either immediately or at some future date.

A variable annuity can help you in your retirement planning. Contact an advisor for more information such as fees and product availability.


Tax-deferred investing:
Any growth in your investment earnings grows tax-deferred until you make a withdrawal from your annuity or begin to
receive annuity income payments.

Choice and flexibility: Our advisors offer a range of investment options across asset classes. These investment options are managed by some of
the best-known portfolio managers in the industry. Plus, you have the flexibility to exchange money from one investment option to another within
your annuity, without paying taxes. Ask your advisor to see if you qualify.

Retirement income: You have many options when the time comes to start drawing income from your variable annuity, including payments
guaranteed for life, liquidity to provide you with access to some or all of your funds, and inflation sensitivity.

Living benefits: Available at an additional cost, may help protect your principal, provide guaranteed withdrawals and accumulations, or ease your
concerns about outliving your income, while you save for retirement.

Death benefits: If you pass away before you annuitize your variable annuity, the issuer will pay a death benefit to your beneficiaries. We also
offer optional enhanced death benefits at an additional cost.

Annuities are long-term, tax deferred investment vehicles designed for retirement purposes. Guarantees are based on claims paying ability of the
issuer.  Withdrawals made prior to age 59 1/2 are subject to 10% IRS penalty tax and surrender charges may apply. Gains from tax-deferred
investments are taxable as ordinary income upon withdrawal. The investment returns and principal value of the available sub-account portfolios
will fluctuate so that the value of an investor's unit , when redeemed,  may be worth more or less than the original value.
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