FREE on-line Educational Series

Preserving Your Money in a Down Market

Tuesday, January 23rd @ 11:30 AM

Investment strategies with guarantees.
Discover distinctions between Annuities and other retirement investments.
Potentially minimize your taxes.

Variable annuities are long term, tax-deferred investment vehicles designed for retirement purposes and contain both an investment and insurance component. They have fees and charges, including mortality and expense risk charges, administrative fees, and contract fees.   They are sold only by prospectus. Guarantees are based on the claims paying ability of the issuer. Withdrawals made prior to age 59 ½ are subject to 10% IRS penalty tax and surrender charges may apply. Investors should consider the investment objectives, risks, charges and expenses of the variable insurance contract and sub-accounts carefully before investing. The prospectus and, if available, the summary prospectus contains this and other information about the variable insurance contract and underlying investment options.  You can obtain prospectuses and summary prospectuses from your financial representative.  Read prospectuses and summary prospectuses carefully before investing.