Guides

Annuities are long-term vehicles to help with retirement income needs. Annuities are considered insurance contracts and complex products.  Annuities are not a security and are not an investment in the stock market and do not participate in any stock, bond or equity investments. Insurance products are offered through licensed insurance agents. Fixed index annuity interest rates are subject to caps, participation rates and/or spreads, which will change at the discretion of the insurance company. Past performance does not guarantee future results. Annuities have surrender charges that may apply for partial and full surrenders and surrenders can be taxable and potentially subject to penalties prior to age 59 ½.  Annuities have restrictions and limitations, and fees and charges will vary based on the product. Annuities are not a one size fits all and not appropriate for all individuals.