*All of the information on this website is general and educational in nature. While in general, we favor annuities, no specific annuity products are being promoted or recommended on this website. Please read and review all materials related to an annuity with a licensed agent. No information from this website shall be construed as an offer to "buy," "purchase" or "sell" a security or in any way make a recommendation. Recommendations can only be made with a personal review of your suitability. Variable annuities are sold by prospectus and are not promoted on this website. Fixed annuities provide a Statement of Understanding and contractual guarantees. Please review with a licensed agent. Not approved in all states. Penalties for early withdrawal prior to age 59 ½. Review and understand potential surrender charges and limitations as well as refund provisions. All guarantees are provided by the claims paying ability of the issuing insurer. Income and withdrawal guarantees on fixed index annuities refer to income values, not interest rates on accumulation values. Income withdrawal benefits are drawn from accumulation values. When withdrawal rates exceed interest rates on accumulation values, accumulation values are in position to fall. When withdrawal rates are less than interest rates on accumulation values, accumulation values are in position to rise. See your annuity documents for details, and call us with questions at (888)310-1776. Thank you.