Put tax deferral and index-based performance to work for you The Power Series of Index Annuities offer growth potential through “index interest accounts” that may generate higher interest than CDs, Treasuries and other fixed income instruments. These FIAs also offer the comfort and security of a 1-year fixed account with a guaranteed rate of interest. 2 Accumulate assets with tax deferral With a taxable investment, you pay taxes on interest earned each year. With a Power Series Index Annuity, your earnings are not taxed until withdrawn, giving you the potential to accumulate more assets for retirement. Plus, once you begin withdrawals in retirement, you may be in a lower tax bracket, which could provide you with additional tax savings over time. Add the power of index-based performance How much interest you earn is linked to an index like the S&P 500. ® Although your assets are not invested directly in an index, a Power Series Index Annuity offers you the opportunity to earn interest based on whether the index is up or down at the end of an index term:
• If index performance is positive, your annuity may increase in value. As shown in the graph on the next page, the S&P 500 ® Index has been positive 73% of the time over the last 30 years, earning an average annual return of 9.09%. Keep in mind interest earned is subject to different factors like index rate caps. 3 • If index performance is flat or down, your annuity value remains unaffected. Only positive performance is used to determine the interest credited. 4
See the Interest Crediting Options & Features at a Glance Brochure for more information on the index annuity and index interest accounts you are considering. Your financial professional or agent can help you determine which account options are right for you.
6
Made with FlippingBook - Share PDF online