What is a variable annuity and what does it offer?

A variable annuity is a long-term retirement investment issued by an insurance company that can help you:

• Grow your money

• Take income in retirement

• Pass on your wealth

A variable annuity offers:

• Opportunities to take advantage of market gains and grow your investment tax-deferred

• Ways to protect your investment for your beneficiaries through optional death benefit riders (for additional fees)

• Benefits that allow you to grow your retirement savings, lock in market gains and receive guaranteed lifetime income through optional living benefit riders (for an additional fee)

• A program designed to help you create income projected to be sustainable from your annuity

The guarantees of a variable annuity are backed by the strength and soundness of the issuing insurance company.

Help optimize your wealth and allow assets to grow

In a variable annuity, your money has the opportunity to grow by investing in subaccount funds made up of stocks and bonds that rise and fall with the market. Over time, you can earn a “variable” rate of return. As with other investments, there is potential to lose money based on the performance of the subaccount funds.

Discover if a variable annuity is right for your retirement strategy. Get guidance from an advisor.

57% of pre-retirees don’t expect a pension plan to be a major source of their retirement income.