A variable-indexed annuity gives you the opportunity to earn returns based, in part, on the positive change of an external index, like the S&P 500.

Here are some things to know as you consider a variable-indexed annuity:

  • Our variable-indexed annuities allow you to choose a level of downside protection that fits your needs.
  • While variable-indexed annuities have certain advantages, there are some risks, including fluctuating values and possible loss of principal.
  • There are no upfront or recurring charges, but charges will apply if you withdraw money or surrender your annuity during the early withdrawal period.

Variable-indexed annuities are sold by a prospectus, which contains information about the annuity’s features, risks, charges and expenses. You should consider that information carefully prior to investing.