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Annuity products are complex financial instruments designed for long-term retirement planning. Not a bank deposit.Not FDIC or NCUA insured.Not insured by any federal government agency.Not guaranteed by any bank or credit union.Market and Principal RisksSubject to investment risk.May lose value.Principal is at risk unless explicitly guaranteed.Guarantees depend on the insurer's financial strength.Guarantees depend on the insurer's claims-paying ability.Tax and Withdrawal ProvisionsWithdrawals are subject to ordinary income tax.Withdrawals before age 59½ may face a 10% IRS penalty.Early withdrawals may trigger surrender charges.Market value adjustments may apply to early withdrawals.Taxes are deferred until distributions begin.Advisory and General TermsPast performance does not guarantee future results.This material is for educational purposes only.This is not explicit tax, legal or investment advice.