Earn a Guarantee Rate for 3-5 Years

Guarantees are backed by the financial strength and claims paying ability of the issuing company. A fixed annuity is intended to be a period certain, tax-deferred retirement vehicle. Early withdrawals may result in loss of credited interest due to surrender penalties. Earnings are taxable as ordinary income when distributed, and if withdrawn before age 59½,may be subject to a 10%federal tax penalty. If the annuity will fund an IRA or other tax qualified plan, the tax deferral feature offers no additional value. Qualified distributions from a Roth IRA are generally excluded from gross income, but taxes and penalties may apply to non-qualified distributions. Consult a tax advisor for specific information. Rates subject to change as of this publication.