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You should now have enough information to have an idea about whether a variable annuity may be an investment choice that you should consider. Remember to review some of the main points that have been covered here as you move on to the next step: tax-deferral, long-term investing, comfort with risk and decision-making, growth potential before and/or after retirement, and other alternatives for your money. Work with your financial professional to reach the best decision for you—but remember, the most important thing is to save and to do so in a regular, disciplined manner.

IMPORTANT NOTE: Variable annuities are intended for long-term retirement planning goals/purposes. Variable annuities are subject to investment risk, including the possible loss of the principal amount invested, and will fluctuate in value. Your heirs may receive more or less than you paid when you redeem your units. For complete information on variable annuities, including all charges and expenses, please request a prospectus from your investment professional. Variable Annuities are not FDIC insured, may lose value, and offer no bank guarantee.