TEN REASONS TO BUY A FIXED ANNUITY

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If you want to build and protect your assets, annuities are a great option. Here are the top 10 reasons why:

1. MULTIPLE GUARANTEES

• Principal and interest rate guarantees

• Income guaranteed for as long as you choose — for a certain period or for life

2. CONTROL

• Ability to choose a predictable income stream

• Payments guaranteed to continue for as long as you live

3. SAFETY

• Helps to ensure your surviving spouse has continuing income

• Funds can be accessed with no surrender charges in the event of a terminal illness or upon entering a nursing home*

4. TAX DEFERRAL

• Earnings won’t be taxed until you make withdrawals or start taking regular distributions

• You benefit from triple-compounding: earn interest on principal, interest on interest, and interest on what would have been paid to taxes

5. FLEXIBILITY

• Multi-year rate guarantee products

• Variety of contribution and payout options

6. ESTATE PLANNING

• Proceeds are paid directly to the named beneficiary

• May avoid the delay and expense of probate

7. DIVERSIFICATION

• Deferred index annuities can tie credited interest to an index, without downside risk

• Supplement retirement income

8. ACCUMULATION

• Long-term savings plan for future income stream

• Principal protection: Deferred index annuities never lose value in a “bad” year, while capturing some growth in a “good” year

9. ACCESS

• Flexible access to funds with a variety of surrender- charge free withdrawal options

10. NO SALES CHARGES

• 100% of premium can earn interest