Annuities Disclaimer

No security or insurance product is offered or will be sold in any jurisdiction in which such offer or solicitation would be unlawful under the laws of the jurisdiction. Certain products and or investment options may not be available in all states. Certain contract features may differ depending on the state regulations under which the contract is governed.

Investors should consider the contract and the underlying portfolios’ investment objectives, risks, charges and expenses carefully before investing. This and other important information is contained in the prospectus, which can be obtained on the prospectus page or from your financial professional. You should read the prospectuses carefully before investing.

A variable annuity is a long-term investment designed to create lifetime income in retirement. Investment returns will fluctuate and the principal value, when redeemed, may be worth more or less than the original investment. Withdrawals or surrenders may be subject to contingent deferred sales charges. Withdrawals and distributions of taxable amounts are subject to ordinary income tax and, if made prior to age 59 1/2, may be subject to an additional 10% federal income tax penalty. Withdrawals can reduce the living and death benefits and account value.

Neither the issuer nor distributor offers investment advice or is registered as an investment advisor under federal or state law.

Variable Annuities are not a deposit of or guaranteed by, any bank or bank subsidiary, and are not insured by the Federal Deposit Insurance Corporation, the Federal Reserve Board, or any other agency. Variable Annuities are subject to investment risks, including the possible loss of the principal amount invested.