*Annuity guarantees rely on the financial strength and claims-paying ability of the issuing insurance company and are not guaranteed by any bank or the FDIC.

ˆSome annuities may have a lifetime income guarantee as part of the base policy; others may have optional riders available that provide this benefit. Riders may also be available for benefits like an annual increase to help combat inflation or for as much as doubling your income in case of a qualifying health event. Optional riders may be available with a charge. Fixed Index Annuities are not a direct investment in the stock market. They are long term insurance products with guarantees back by the issuing company. They provide the potential for interest to be credited based in part on the performance of specific indices, with the risk of loss of premium due to market downturns or fluctuation. They may not be appropriate for all clients.

1 The Wall Street Journal, 2013