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* Important Disclosure

The information provided within the enclosed articles are for illustrative purposes only and are not indications of future performance or success.  Individual results may vary.  This information is being provided purely for educational purposes only and should not be considered specific financial, legal or tax advice.

A variable annuity is a long-term retirement vehicle subject to market fluctuation and may lose value.  Optional riders are available for an additional cost.  Withdrawals may be subject to a surrender penalties, income taxes, and if taken before 59 1/2, may be subject to an additional 10 percent federal penalty tax.  Contract guarantees are based on claims-paying ability of the insurer and do not apply to the performance of the individual sub-accounts.

Investors should consider the investment objectives, risks, charges, and expenses of a variable annuity product carefully before investing.  Please carefully read the prospectuses for the relevant variable annuity product and its underlying investment options, which contain this and other information about the product.  You can obtain a prospectus from a financial professional.