Variable Annuities

If you’re looking to increase your tax-deferred savings for retirement, consider a variable annuity*.

  • Professionally-managed investment choices that let you participate in the market
  • Flexible income choices when it’s time to make withdrawals
  • Tax-deferred growth with no contribution limits
  • Ability to choose how your premiums are invested, from how much, to where, to how conservatively

*Variable annuities are long-term, tax-deferred investment vehicles designed for retirement purposes and contain both an investment and insurance component. They are sold only by prospectus. Guarantees are based on the claims paying ability of the issuer. Withdrawals made prior to age 59-1/2 are subject to a 10% IRS penalty tax and surrender charges may apply. Gains from tax-deferred investments are taxable as ordinary income upon withdrawal. The investment returns and principal value of the available sub-account portfolios will fluctuate so that the value of an investor's unit, when redeemed, may be worth more or less than their original value.

Fixed Annuities

If you want the safety of a more conservative retirement investment, a fixed annuity* could be right for you because principal contributions are guaranteed.

  • Get the stability of a fixed, competitive rate of return
  • Tax-deferred growth with no contribution limits
  • Funds grow steadily and are not subject to downfalls in the stock market
  • Create a predictable, sustainable stream of retirement income
  • Protect your retirement assets through a death benefit and other optional benefits

*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 claim paying ability of the issuing insurance company. Withdrawals made prior to age 59-1/2 are subject to a 10% IRS penalty tax and surrender charges may apply.

Income Annuities

Generate income you can’t outlive with an income annuity. You pay a portion of your retirement assets into an annuity in return for a pension-like income, guaranteed for a specified period or for life.

  • Create an ongoing source of income to help maintain your standard of living
  • Enjoy freedom from having to manage your savings to generate income
  • A good choice if you're nearing retirement, have a long life expectancy and are concerned about outliving your assets
Savings with Tax Advantages

If you’re looking for ways to save more for retirement or generate reliable income in retirement, consider annuities. They provide tax-deferred growth and, when you retire, the option of guaranteed income to last as long as you wish — even for life.

  • Increase your savings
  • Protect what you’ve saved
  • Generate a stream of income
  • No annual contribution limit
  • Choose a lump-sum payment or guaranteed payments