Fixed / Indexed Annuities

Fixed- An insurance contract in which the insurance company makes fixed dollar payments to the
annuitant for the term of the contract, usually until the annuitant dies. The insurance company
guarantees both earnings and principal.

Indexed- A specific class of annuities that yields returns on your contributions based on a specified
equity-based index. These annuities can be purchased from an insurance company, and similar to
other types of annuities, the terms and conditions associated with payouts will depend on what is
stated in the original annuity contract.

Insurance companies commonly offer a provision of a guaranteed minimum return with indexed
annuities, so even if the stock index does poorly, the annuitant will have some of his downside risk of
loss limited. However, it also is common for an annuitant's yields to be somewhat lower than
expected due to the combination of caps on the maximum amount of interest earned and fee-related

Annuities offer many different options, benefits and have costs associated with them. Please contact
your advisor to see which annuity is right for you.

Fixed Annuities are long-term investment vehicles designed for retirement purposes. Gains from
tax-deferred investments are taxable as ordinary income upon withdrawal. Guarantees are based on
the claims paying ability of the issuing company. Withdrawals made prior to age 59 1/2 are subject to
10% IRS penalty tax and surrender charges may apply.

Equity indexed annuities are not suitable for all investors. Possible surrender charges and the
combination of caps and participation rates associated with a particular product are factors that must
be considered in any suitability determination. Annuities are not FDIC insured, are long-term, tax
deferred investment vehicles designed for retirement purposes. Surrender charges may apply.
Guarantees are based on the claims paying ability of the issuing company.
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