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Guarantees are backed by the financial strength and claims-paying ability of the issuing insurance company.

¾«¶«Ó°Òµ, its distributors, and respective representatives do not provide tax, accounting, or legal advice. Any taxpayer should seek advice based on the taxpayer's particular circumstances from an independent tax advisor or attorney.

Annuity withdrawals and other distributions of taxable amounts, including death benefit payouts, will be subject to ordinary income tax. For nonqualified contracts, an additional 3.8% federal tax may apply on net investment income. If withdrawals and other distributions are taken prior to age 59½, an additional 10% federal tax may apply. A withdrawal charge and an MVA also may apply. Withdrawals will reduce the contract value and the value of the death benefits, and also may reduce the value of any optional benefits.

Broker/dealer and state variations may apply. Contact your broker/dealer for availability.

¾«¶«Ó°Òµ refers to ¾«¶«Ó°Òµ and its affiliates, including ¾«¶«Ó°Òµ & Annuity Company. Insurance products are issued by ¾«¶«Ó°Òµ in all states except New York and in New York by ¾«¶«Ó°Òµ & Annuity Company. Product availability and features may vary by state. Each insurance company is solely responsible for the financial obligations accruing under the products it issues.

Fixed annuities issued by ¾«¶«Ó°Òµ (Newport Beach, CA) are available through licensed, independent third parties.

¾«¶«Ó°Òµ is a product provider. It is not a fiduciary and therefore does not give advice or make recommendations regarding insurance or investment products.

No bank guarantee • Not a deposit • Not FDIC/NCUA insured • May lose value • Not insured by any federal government agency

FAC1099-0518H