An annuity can help your clients grow their retirement assets and offer options for taking income once they retire — including a steady stream of guaranteed income for life.
You have access to an extensive suite of fixed indexed, variable, fixed and immediate annuity options, as well as a complete lineup of additional guarantees through optional living and death benefits.
Explore our product suite and offer your clients an annuity that meets their retirement goals.
Your annuity sales team can provide a custom illustration for your next case:
1. In Illinois, Texas and Virginia, this rider is named the Roll-up Death Benefit with Enhanced Surrender Value Rider.
2. Loyalty Bonus and Market Value Adjustment do not apply in California.
3. Market Value Adjustment does not apply in California.
An annuity is intended to be a long-term, tax-deferred retirement vehicle. Earnings are taxable as ordinary income when distributed, and if withdrawn before age 59½, may be subject to a 10% federal tax penalty.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 nonqualified distributions. Please consult a tax advisor for specific information. There are charges and expenses associated with annuities, such as surrender charges (deferred sales charges) for early withdrawals. Variable annuities have additional expenses such as mortality and expense risk, administrative charge, investment management fees and rider fees. Variable sub accounts of annuities are subject to market fluctuation, investment risk and loss of principal.
Variable annuities are sold by prospectus. Your clients should consider the investment objectives, risks, charges and expenses of a portfolio and the variable insurance product carefully before investing. The portfolio and variable insurance product prospectuses contain this and other information.
DOFU 5-2023
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