1. the ABC’s of variable annuities
AXA Advanced Markets
GE (6/16) (Exp. 6/18)

2. ABCs of Variable Annuities
What Is a Variable Annuity?
How Does a Variable Annuity Work?
The Benefits of Tax Deferral
Investor Concerns
Risks
Costs
Case Studies
Today I’d like to talk to you about variable annuities. I’ll tell you what a variable annuity is, how it works, the benefits, risks and the cost. In addition, we’ll examine three separate case studies to see how different variable annuities may help fulfill different financial goals.
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3. What’s a variable annuity?
What is a Variable Annuity?
What’s a variable annuity?
Variable deferred annuities are long-term financial products designed for retirement purposes. In essence, annuities are contractual agreements in which payment(s) are made to an insurance company, which agrees to pay out an income or a lump sum amount at a later date. There are contract limitations and fees and charges associated with annuities, which include, but are not limited to, mortality and expense risk charges, sales and surrender charges, administrative fees, and charges for optional benefits. A financial professional can provide cost information and compete details.
Please consider the investment objectives, charges, risk, and expenses carefully before purchasing a variable annuity. For a prospectus containing this and other information, please contact a financial professional. Read it carefully before you invest or send money.
Annuities are long-term financial products designed for retirement purposes. In essence, annuities are contractual agreements in which payment(s) are made to an insurance company, which agrees to pay out an income or lump sum amount at a later date. There are contract limitations and fees and charges associated with annuities, which include, but are not limited to, mortality and expense risk charges, sales and surrender charges, administrative fees, and charges for optional benefits. A financial professional can provide cost information and complete details.
A variable annuity typically consists of three primary components:
Helps to Build Your Assets – When you invest in a variable annuity, you may typically choose from a variety of stock, bond and money market portfolios. These portfolios, which are commonly called “investment options” or “subaccounts,” are managed by professional investment advisors — often many of the same advisors who invest on behalf of large institutional accounts and mutual funds. Naturally, because your money is invested in the stock or fixed income markets through the variable investment options, it is subject to the same market fluctuations as any other variable investment and there is the risk of loss to your principal. That is why most variable annuities offer a broad range of investment objectives among their investment options, so that you can choose from relatively conservative options with a lower level of risk, or more aggressive options with a higher level of risk, but all offering the potential for higher investment returns.
Helps to Enhance Your Assets – Variable annuities are tax-deferred, which means you pay no income tax on investment earnings until you withdraw your money. Tax deferral is commonly found in IRAs, 401(k) plans, IRAs and other qualified retirement plans. In addition, you may contribute as much as you like to your variable annuity contract (subject to IRS and insurance company limits). Moreover, you can move your money among the annuity’s investment options without incurring tax penalties or charges.
If you are buying a variable annuity to fund a retirement plan that already provides tax deferral under sections of the Internal Revenue code (such as IRA, QP, 401(k) and TSA), you should do so for the variable annuity’s features and benefits other than tax deferral. In such situations, tax deferral is not an additional benefit. References throughout this presentation to tax treatment, such as tax deferral and tax-free transfers, are subject to this consideration. Moreover, withdrawals of taxable portions are taxed at ordinary income tax rates and withdrawals taken prior to age 591/2 may be subject to a 10% federal income tax penalty.
3) Helps to Protect Your Assets – A variable annuity’s death benefit feature protects your beneficiaries in the event of your death. Your beneficiaries are guaranteed to receive at least the amount you contributed, adjusted for withdrawals, should you die before you annuitize your contract. For an additional charge, some variable annuities offer optional enhanced death benefits that increase the guaranteed death benefit on a periodic basis by a specified percentage or to reflect any increase in the account’s value.
In addition, some variable annuities offer the option of a benefit at an additional charge, that guarantees a minimum level of annuity payments, even if your investment options have not performed well.
Guarantees are based on the claims-paying ability of the issuing insurance company. 
Helps Build
Helps Enhance
Helps Protect  
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4. A Few Things to Know… A Few Things to Know…
All guarantees are backed by the claims paying ability of the issuing company. Many variable annuities offer optional riders, such as guaranteed benefits, that are available, at an additional cost, and are subject to certain restrictions and limitations.
Withdrawals from annuities are subject to normal income tax treatment and, if taken prior to age 59 ½, may be subject to an additional 10% federal income tax penalty. Withdrawals may also be subject to a contractual withdrawal charge.
Variable annuities are:
Not a Deposit
Not Insured by an Federal Government Agency
Not Guaranteed by any Bank or Savings Association
May Go Down in Value
Not FDIC Insured
Annuities are long-term financial products designed for retirement purposes. In essence, annuities are contractual agreements in which payment(s) are made to an insurance company, which agrees to pay out an income or lump sum amount at a later date. There are contract limitations and fees and charges associated with annuities, which include, but are not limited to, mortality and expense risk charges, sales and surrender charges, administrative fees, and charges for optional benefits. A financial professional can provide cost information and complete details.
A variable annuity typically consists of three primary components:
Helps to Build Your Assets – When you invest in a variable annuity, you may typically choose from a variety of stock, bond and money market portfolios. These portfolios, which are commonly called “investment options” or “subaccounts,” are managed by professional investment advisors — often many of the same advisors who invest on behalf of large institutional accounts and mutual funds. Naturally, because your money is invested in the stock or fixed income markets through the variable investment options, it is subject to the same market fluctuations as any other variable investment and there is the risk of loss to your principal. That is why most variable annuities offer a broad range of investment objectives among their investment options, so that you can choose from relatively conservative options with a lower level of risk, or more aggressive options with a higher level of risk, but all offering the potential for higher investment returns.
Helps to Enhance Your Assets – Variable annuities are tax-deferred, which means you pay no income tax on investment earnings until you withdraw your money. Tax deferral is commonly found in IRAs, 401(k) plans, IRAs and other qualified retirement plans. In addition, you may contribute as much as you like to your variable annuity contract (subject to IRS and insurance company limits). Moreover, you can move your money among the annuity’s investment options without incurring tax penalties or charges.
If you are buying a variable annuity to fund a retirement plan that already provides tax deferral under sections of the Internal Revenue code (such as IRA, QP, 401(k) and TSA), you should do so for the variable annuity’s features and benefits other than tax deferral. In such situations, tax deferral is not an additional benefit. References throughout this presentation to tax treatment, such as tax deferral and tax-free transfers, are subject to this consideration. Moreover, withdrawals of taxable portions are taxed at ordinary income tax rates and withdrawals taken prior to age 591/2 may be subject to a 10% federal income tax penalty.
3) Helps to Protect Your Assets – A variable annuity’s death benefit feature protects your beneficiaries in the event of your death. Your beneficiaries are guaranteed to receive at least the amount you contributed, adjusted for withdrawals, should you die before you annuitize your contract. For an additional charge, some variable annuities offer optional enhanced death benefits that increase the guaranteed death benefit on a periodic basis by a specified percentage or to reflect any increase in the account’s value.
In addition, some variable annuities offer the option of a benefit at an additional charge, that guarantees a minimum level of annuity payments, even if your investment options have not performed well.
Guarantees are based on the claims-paying ability of the issuing insurance company.
Variable annuities offer optional riders at an additional cost.
We will discuss some of these on the following slide.
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5. How Does a Variable Annuity Work?
Let’s talk about how variable annuities work.
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6. Variable Annuity Contract Variable Investment Options
The Accumulation (Pay-In) Phase
Initial Payment
Variable Annuity Contract
Variable Investment Options
There are two distinct stages to a variable annuity contract. The first is the accumulation phase.
The Accumulation Phase – This is also known as the “Pay-In” stage. During the accumulation phase, you make an initial contribution to your annuity. If you wish, you can also make additional contributions (may be subject to IRS contribution limits and insurance company limits) over time at your convenience. You then direct where your money will be invested by choosing from among the various investment options available in the annuity. It is during this time that your annuity may build up assets — on a tax-deferred basis — that will provide you with future retirement income. Don’t forget that your variable investment options will fluctuate along with the market. While in the accumulation phase, you can access your money and withdraw funds as needed. Restrictions may apply depending on the type of annuity contract you are invested in, however, and there may be withdrawal charges and tax consequences including a 10% Federal income tax penalty for withdrawals made prior to age 59½.
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7. The Benefits of Tax Deferral
This hypothetical illustration shows how a $100,000 investment grows in a tax-deferred account versus a fully taxable account after 20 years. It assumes an individual is in the 25% tax bracket, as well as an 8% return.
This hypothetical example is for illustrative purposes only. The assumed 8% return is not guaranteed and is not intended to reflect the actual performance of any product or any other investment. Neither example reflects deductions for any fees or expenses which would reduce the investment performance shown. Variable annuities generally impose withdrawal charges based on a particular product’s surrender charge schedule. Annual administration and mortality and expense risk charges generally apply to assets in the investment options. Investment management fees vary by investment subaccount. Tax rates and tax treatment of earnings may impact comparative results. Lower maximum tax rates on capital gains and dividends would make the return of the taxable investment more favorable, thereby reducing the difference in performance between the accounts shown. State and local taxes should also be considered. Withdrawals made prior to age 591/2 may result in an additional 10% federal tax penalty.
Please consider your personal investment horizon and income tax bracket, both current and anticipated, when making an investment decision as these may further impact the results of the comparison.
There are risks associated with investing, including risk of loss, not reflected in this illustration.
One of the most compelling characteristics of a variable annuity is its tax deferral feature. As you can see from the illustration, the ability to delay taxes can provide a great advantage over a traditional taxable investment. Even when you consider the taxes that must be paid at withdrawal, the tax-deferred investment can still provide a considerable advantage.
This hypothetical illustration shows how a $100,000 investment grows in a tax deferred account versus a fully taxable account after 20 years. It assumes an 8% annual growth rate and a 25% federal tax rate on withdrawals. After 20 years, the taxable investment would grow to $320,714. Meanwhile, the tax-deferred investment (before tax) would grow to $466,096. This hypothetical example is for illustrative purposes only.
The assumed 8% return is not guaranteed and is not intended to reflect the actual performance of any product or any other investment. Neither example reflects deductions for any fees or expenses which would reduce the investment performance shown. Variable annuities generally impose withdrawal charges based on a particular product’s surrender charge schedule. Annual administration and mortality and expense risk charges generally apply to assets in the investment options. Investment management fees vary by investment options.
Tax rates and tax treatment of earnings may impact comparative results. Lower maximum tax rates on capital gains and dividends would make the return of the taxable investment more favorable, thereby reducing the difference in performance between the accounts shown. State and local taxes should also be considered. Withdrawals made prior to age 591/2 may result in an additional 10% federal tax penalty.
Please consider your personal investment horizon and income tax bracket, both current and anticipated, when making an investment decision as these may further impact the results of the comparison.
There are risks associated with investing, including risk of loss, not reflected in this illustration.
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8. 1 2 3 4 5 6 7 Investor Concerns TAX DEFERRAL
How Can I Help My Assets Accumulate Faster?
TAX DEFERRAL 2
I’m Concerned about Properly Diversifying my Assets and Investing at the Right Time
PROFESSIONAL INVESTMENT MANAGEMENT 3
I Want to Avoid Capital Gains Taxes
TAX FREE RETURNS 4
POTENTIAL FOR DOWNSIDE RETIREMENT INCOME PROTECTION
Although I Need Growth, I’m Concerned about the Volatility of the Stock Market 5
I Need to Build Retirement Investment and
I Want to Contribute as Much as Possible
CONTRIBUTIONS
Tax Deferral - All earnings within a variable annuity grow tax-deferred. Because taxes are not due until funds are withdrawn, your savings benefit from the effects of compounded growth, as illustrated in the prior slide.
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I Want to Protect My Beneficiaries
DEATH BENEFITS 7
I Need Access to My Money
ACCESS TO FUNDS
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9. Investor Concerns
If you are buying a variable annuity to fund a retirement plan that already provides tax deferral under sections of the Internal Revenue code (such as IRA, QP, 401(k) and TSA), you should do so for the variable annuity’s features and benefits other than tax deferral. In such situations, tax deferral is not an additional benefit. References throughout this presentation to tax treatment, such as tax deferral and tax-free transfers, are subject to this consideration. Moreover, withdrawals of taxable portions are taxed at ordinary income tax rates and withdrawals taken prior to age 591/2 may be subject to a 10% federal income tax penalty.
Investing in growth stocks is based upon a portfolio manager’s subjective assessment of fundamentals of companies he or she believes offer the potential for price appreciation. This style of investing involves risks and investors can lose money. Bond investments are subject to interest rate risk so that when interest rates rise, the prices of bonds can decrease and the investor can lose principal value. International securities carry additional risks including currency exchange fluctuation and different government regulations, economic conditions or accounting standards. An investment in the Money Market portfolio is neither guaranteed nor insured by the U.S. government, the Federal Deposit Insurance Corporation or any other government agency.
If you are buying a variable annuity to fund a retirement plan that already provides tax deferral under sections of the Internal Revenue code (such as IRA, QP, 401(k) and TSA), you should do so for the variable annuity’s features and benefits other than tax deferral. In such situations, tax deferral is not an additional benefit. References throughout this presentation to tax treatment, such as tax deferral and tax-free transfers, are subject to this consideration. Moreover, withdrawals of taxable portions are taxed at ordinary income tax rates and withdrawals taken prior to age 591/2 may be subject to a 10% federal income tax penalty.
Withdrawals of taxable amounts are subject to income tax and, if taken before age 591/2, may be subject to an additional 10% federal income tax penalty.
A variable annuity’s cost is relative to its value. Its value can sometimes be assessed by examining features such as professional investment management, tax-deferred growth potential, death benefits and other optional protection features that might not be found in other investment products.  
As with any investment, there are fees associated with variable annuities. Typically, these include a mortality and expense risk charge to cover various insurance features of a variable annuity, such as the death benefit. An annual administrative charge (only deducted if your annuity account value falls below a specific amount as described in your annuity contract), and there are fees charged to cover the management and operation expenses of the individual investment portfolios in which your money is invested. Certain annuity contracts have an additional administrative charge that covers administrative expenses and a distribution charge that helps to defray the sales expenses under your annuity.  
Secondly, many insurance companies impose a “withdrawal” or “surrender” charge on withdrawals made from the contract. The length of time surrender charges remain in effect varies, depending on the type of annuity contract that you own. While these charges are designed to encourage you to maintain your long-term retirement plan, most variable annuity contracts allow you to withdraw 10% or more of your contract’s value each year without a charge, but tax penalties may apply.
Finally, other optional features of variable annuities such as “income benefits” or other downside protection features may also result in additional fees. You should always carefully read the prospectus of any variable annuity that you are considering to make sure that you understand its different fees and what is being provided to you.
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10. What Does a Variable Annuity Cost?
Mortality and Expense Risk Fee
Annual Administrative Charge
Investment Management Fee
Distribution Fee
Administrative Charge
Withdrawal/Surrender Charge
Charges for Optional Features
A variable annuity’s cost is relative to its value. Its value can sometimes be assessed by examining features such as professional investment management, tax-deferred growth potential, death benefits and other optional protection features that might not be found in other investment products.  
As with any investment, there are fees associated with variable annuities. Typically, these include a mortality and expense risk charge to cover various insurance features of a variable annuity, such as the death benefit. An annual administrative charge (only deducted if your annuity account value falls below a specific amount as described in your annuity contract), and there are fees charged to cover the management and operation expenses of the individual investment portfolios in which your money is invested. Certain annuity contracts have an additional administrative charge that covers administrative expenses and a distribution charge that helps to defray the sales expenses under your annuity.  
Secondly, many insurance companies impose a “withdrawal” or “surrender” charge on withdrawals made from the contract. The length of time surrender charges remain in effect varies, depending on the type of annuity contract that you own. While these charges are designed to encourage you to maintain your long-term retirement plan, most variable annuity contracts allow you to withdraw 10% or more of your contract’s value each year without a charge, but tax penalties may apply.
Finally, other optional features of variable annuities such as “income benefits” or other downside protection features may also result in additional fees. You should always carefully read the prospectus of any variable annuity that you are considering to make sure that you understand its different fees and what is being provided to you.
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11. Case Study #1: Stan Case Study #1 Profile: Retiring in 10 years
55 Years Old
Married
2 Children
Retiring in 10 years
Contributing to 401(k)
$50,000 in cash
Concerns:
May not have enough income to retire
Doesn’t want to risk losing retirement income
Wants Market Participation
Needs to protect family in the event of an early death
Stan: 55
As people’s financial needs have evolved over the past decade, so too have variable annuities. Today there are several different types of variable annuities. Each one is tailored to meet a specific need. Your investment professional or licensed insurance agent can help you choose the variable annuity that’s right for you. Let’s review some examples of how different types of variable annuities have helped different individuals.
Consideration should be given to personal circumstances. These case studies are only meant to serve as a starting point to help in a discussion with your financial professional or assessing your individual needs, and are not meant to be specific investment advice for any person or category of people. As with all investment products, you should consider certain factors before investing in an annuity contract such as, your specific financial status, investment objectives, time horizon for investments, risk tolerance, and liquidity needs.
Profile
Stan – 55 years old – married 2 children (25 & 27)
Expects to retire in approximately 10 years
Contributing to a 401(k) and has $50,000 in cash
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12. Case Study #1: Stan Case Study #1 Strategy: Benefits:
He uses some of his net assets to purchase a variable annuity that offers an “Income Benefit” and a “Death Benefit”
Benefits:
Tax-deferred growth potential of the Equity Markets
“Income Benefit” feature offers guaranteed minimum income (initially in the form of withdrawals)
For as long as you live
No matter how the investment markets behave
Assuming you follow certain guidelines established by the issuing company.
“Death Benefit” protects beneficiaries prior to annuitization, as long as there is value in the account supporting the benefit.
Strategy
Stan continues to contribute the maximum amount to his 401(k). He uses some of his net assets to purchase a variable annuity that offers an “income benefit” and a death benefit.
Benefits
Stan gets the tax-deferred growth potential of the equity markets during the last years leading up to retirement via the variable annuity’s variable investment options.
. Should the account supporting Stan’s lifetime income fall to zero due to market fluctuations he would still continue receiving lifetime income (as long as he met certain guidelines established by the issuing company).
In the event of Stan’s death prior to annuitization, his beneficiaries are protected by the contract’s death benefit.
As we discussed earlier, the fees for variable annuities include, but are not limited to, mortality and expense risk, administrative charges, withdrawal charges, surrender charges and charges for optional features.
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There are fees associated with variable annuities. Equities generally involve risk, including possible loss of principal. Read the prospectus carefully before investing.
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13. Case Study #2: Rick and Donna
Profile:
34 and 39 Years Old
No Children
Want to supplement their retirement investments
Contributing to company-sponsored plans and IRAs
$30,000 in cash
Rick and Donna: 34 and 39
As people’s financial needs have evolved over the past decade, so too have variable annuities. Today there are several different types of variable annuities. Each one is tailored to meet a specific need. Your investment professional or licensed insurance agent can help you choose the variable annuity that’s right for you. Let’s review some examples of how different types of variable annuities have helped different individuals.
Consideration should be given to personal circumstances. These case studies are only meant to serve as a starting point to help in a discussion with your financial professional or assessing your individual needs, and are not meant to be specific investment advice for any person or category of people. As with all investment products, you should consider certain factors before investing in an annuity contract such as, your specific financial status, investment objectives, time horizon for investments, risk tolerance, and liquidity needs.
Profile
Stan – 55 years old – married 2 children (25 & 27)
Expects to retire in approximately 10 years
Contributing to a 401(k) and has $50,000 in cash
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Concerns:
Want to build a large retirement nest egg
$30,000 in cash ($15,000 for retirement)
Reluctant to pay for optional protection features of variable annuities
An investment in a variable product can fluctuate with market conditions and you can lose money.
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14. Case Study #3: Joanne Case Study #3 Profile: Retiring in 15 years
50 Years Old
Married
1 Child (Age 23)
Retiring in 15 years
Switched jobs and needs to invest $80,000 from her former employer’s 401(k) plan
Concerns:
Wants a choice of professionally managed investment options
Seeking growth potential
Wants to provide for her daughter and husband in the event of her death
Joanne: 50
As people’s financial needs have evolved over the past decade, so too have variable annuities. Today there are several different types of variable annuities. Each one is tailored to meet a specific need. Your investment professional or licensed insurance agent can help you choose the variable annuity that’s right for you. Let’s review some examples of how different types of variable annuities have helped different individuals.
Consideration should be given to personal circumstances. These case studies are only meant to serve as a starting point to help in a discussion with your financial professional or assessing your individual needs, and are not meant to be specific investment advice for any person or category of people. As with all investment products, you should consider certain factors before investing in an annuity contract such as, your specific financial status, investment objectives, time horizon for investments, risk tolerance, and liquidity needs.
Profile
Stan – 55 years old – married 2 children (25 & 27)
Expects to retire in approximately 10 years
Contributing to a 401(k) and has $50,000 in cash
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15. Case Study #3: Joanne Case Study #3 Strategy: Benefits:
Put $80,000 into a Rollover IRA* “Extra Credit”** variable annuity
Benefits:
Gives Joanne more to invest – a “jump start” to her investment contribution amount
Choice of professionally managed investment options
“Death Benefit” options help protect beneficiaries, should she die prior to annuitizing the contract
Important Note
*If you are buying a variable annuity to fund a retirement plan that already provides tax deferral under sections of the Internal Revenue Code (such as an IRA, QP, 401(k), or Rollover TSA), you should do so for the contract’s features and benefits other than tax deferral. In such situations, the tax deferral of the contract does not provide necessary or additional benefits.
**Over time, the amount of any “extra credit” may be more than offset by potentially higher fees and charges and a longer surrender charge schedule. Other variable products with different fees, charges and surrender schedules are available. Check with your financial professional or licensed insurance agent. “Extra credit” amounts may be recovered by the issuing insurance company in certain instances. Please refer to the annuity’s prospectus for complete information.
There are fees associated with variable annuities. Equities generally involve risk, including possible loss of principal. Read the prospectus carefully before investing.
Strategy
Joanne puts the $80,000 into a rollover IRA “extra credit” variable annuity that offers a death benefit. In an extra credit variable annuity, AXA Equitable provides a percentage bonus based on your contributions.
Benefits
The extra credit variable annuity gives Joanne more to invest- a “jump start” to her investment contribution amount.
Similar to her 401(k), Joanne will be able to choose from several different professional investment advisers and a number of investment options.
The death benefit options in the extra credit annuity assure Joanne that her beneficiaries will receive a guaranteed amount, if she dies without annuitizing her contract.
Please keep in mind that over time, the amount of any “extra credit” may be more than offset by potentially higher fees and charges and a longer surrender charge schedule.
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16. Important Notes
Contact your financial professional or licensed insurance agent to see if a variable annuity is right for you.
Variable annuities are sold by prospectus only, which contains more complete information about the policy, including risks, charges, expenses and investment objectives. You should review the prospectus carefully before purchasing a policy.
This material was written to support the promotion or marketing of the transaction or matters addressed herein. It was not intended or written to be used, and it cannot be used by any taxpayer, for the purpose of avoiding penalties that may be imposed on the taxpayer under U.S. federal tax laws. Each taxpayer should seek advice based on the taxpayer’s particular circumstances from an independent tax advisor.
Withdrawals from an annuity will be subject to ordinary income tax and, if made prior to age 59 ½, may be subject to an additional 10% federal income tax penalty. Withdrawals may also be subject to surrender charges. Withdrawals will reduce the death benefit, living benefits and cash surrender value. Withdrawals will come from any gain in the contract first.
Variable annuity contract values will fluctuate and are subject to market risk, including the possibility of loss of principal. Variable annuity contracts have limitations. For costs and complete details of coverage, contact your financial professional/insurance-licensed registered representative.
AXA Equitable Life Insurance Company (AXA Equitable), NY, NY, issues variable annuities which are co-distributed by affiliates AXA Advisors, LLC and AXA Distributors, LLC, New York, NY AXA Equitable, AXA Advisors and AXA Distributors do not offer tax or legal advice. You must consult your attorney and/or tax advisor regarding your specific situation. Guarantees are all backed by the claims-paying ability of the issuing company.
© 2016 AXA Advisors, LLC and AXA Distributors, LLC. All rights reserved.
Securities offered through AXA Advisors, LLC (NY, NT ), member FINRA, SPIC. Annuity and insurance product offered through AXA Network, LLC. AXA Network conducts business in CA as AXA Network Insurance Agency of California, LLC, in UT as AXA Network Insurance agency of Utah, LLC, in PR as AXA Network of Puerto Rico, Inc.
This concludes our presentation. Thanks for coming and I will be here for as long as you wish to answer questions or receive your forms.
If you have some of the same concerns we discussed here today, I am always available to sit down with you to discuss your retirement needs and to see if a variable annuity is right for you.
I want to leave with you the “ABCs of Variable Annuities” brochure that speaks to the discussion points I addressed in this seminar, as well as a prospectus which contains more complete information about a particular variable annuity. The prospectus includes information concerning the risks, charges and expenses associated with the variable annuity. The prospectus should be read carefully before investing.
Above all, I hope you come away from today’s meeting with a better understanding of variable annuities and how they may address your retirement needs.
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17. Thank you