IMMEDIATE ANNUITIES

IMMEDIATE FIXED ANNUITY

An immediate fixed annuity is designed to provide a fixed stream of income during the payout period.

IMMEDIATE VARIABLE ANNUITY

An immediate variable annuity is designed to provide income guarantees with income growth potential. During the payout period, income payments will vary with the performance of the investment choices selected.

Prefer to speak to someone about annuities?

TALK TO A FINANCIAL PROFESSIONAL

Guarantees are based on the claims-paying ability of the issuing company.

Annuities are not appropriate for everyone. There are fees and charges associated with owning an annuity. Annuities do not provide any additional tax advantage when used to fund a qualified plan. Investors should consider buying an annuity to fund a qualified plan for the annuity's additional features, such as lifetime income payments and death benefit protection. When considering a variable annuity, be sure to read the prospectus and talk with your financial professional prior to purchasing.

Immediate variable annuities are sold by prospectus. Before purchasing a variable annuity contract, investors should carefully consider the investment objectives, risks, charges and expenses of the variable annuity contract and its underlying investment choices. For this and other information, obtain the product prospectus and underlying investment choices prospectus from your registered representative . The prospectuses should be carefully considered before investing or sending money.

Distributions may be subject to income tax, a contingent deferred sales charge or a surrender charge. If taken prior to age 59 1/2, a 10% federal income tax penalty may apply.

This information is not written or intended as tax or legal advice and may not be relied on for purposes of avoiding any federal tax penalties. Individuals are encouraged to seek advice from their own tax or legal counsel.