Variable Annuity Advantages

The advantages variable annuities offer:

• Tax-deferred growth - Variable annuities offer potential growth to your investment without paying taxes on these earnings until money is withdrawn. Keep in mind, as with all variable annuities, your withdrawals may be included in your taxable income, and prior to age 59 1/2 may be subject to a 10% federal tax penalty. Income. Choose a payout option that fits your lifestyle or needs.
• Flexibility. - We offer variable annuities that allow you to choose investment options that can best suit your financial goals. You may also choose when and how to withdraw your money subject to the contingent deferred sales charge and possible early withdrawal penalties. You may also choose the amount you contribute subject to minimums set forth in the contract.
• Protection for beneficiaries. A guaranteed death benefit ensures that if you die during the accumulation phase, your original purchase amount, plus any earnings minus withdrawals, are paid to your beneficiaries — even if your variable annuity has declined in value.

Variable annuities are complex investment vehicles. Before you invest, be sure to ask your financial professional about the variable annuity's features, benefits, risks and fees, and whether the variable annuity is appropriate for you, based on your financial situation and objective.