More About Annuity: An annuity is a contract between you and an insurance company, under which you make purchase payments to the insurance company during the “accumulation period” and the insurance company agrees to make periodic income payments to you, either beginning immediately or at some future date, during the “income period” (also known as “annuitization”). You may select the date on which income payments are to begin (the “annuity date”). Annuities are designed for long-term investing to help meet retirement and other long-range goals. Annuities are not suitable for short-term goals because substantial tax penalties and early surrender charges may apply if you withdraw your money early. In addition, withdrawals prior to age 59½ may be subject to a 10% IRS penalty. A variable annuity allows you to choose from a variety of sub-accounts that invest in stocks, bonds, and money market instruments. Your earnings and payments will fluctuate depending on the performance of the sub-accounts you select, and may be more or less than the original amount invested.

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