Variable annuity and variable insurance products are offered by prospectus only, which is available from your registered representative. You should carefully consider the product’s features, risks, charges and expenses, and the investment objectives, risks and policies of the underlying portfolios, as well other information about the underlying funding choices.  This and other information is available in the prospectus, which you should read carefully before investing.  Product availability and features may vary by state.  All product guarantees are based on the claims-paying ability of the issuing insurance company.

Variable annuities are long-term investment vehicles designed for retirement purposes.  Withdrawals or surrenders may be subject to surrender charges.  Withdrawals of taxable amounts are subject to ordinary income tax and if made before age 59 ½, may be subject to a 10% Federal Income tax penalty.  Withdrawals have the effect of reducing the death benefit and cash surrender value.

The amounts allocated to the variable investment options of your account balance are subject to market fluctuations so that, when withdrawn or annuitized it may be worth more or less than its original value.