*Guaranteed Income
through a Variable Annuity and Income Rider -
* Variable annuities are long-term, tax deferred vahicles designed for retirement purposes. They offer three main benefits: tax-deferred treatment of earnings, guaranteed death benefit options, and guaranteed lifetime payout options. All guarantees, including optional benefits, are based on the claims-paying ability of the issuing insurance company. Annuity fees and charges include mortality and expense risk fee and administrative charge, surrender charges, annual fee, and investment option managemtne fee. Additonal fees may apply to optional benefits selected, including living enefit riders.