We are the destination of choice for transparent, un-conflicted, flexible income and savings solutions that provide greater control over your financial destiny. Our retirement savings marketplace can help you maximize your achievement of your retirement goals.
| Variable Annuity (VA) | VA with Enhanced Death Benefits | VA with Guaranteed Lifetime Benefits | Variable Universal Life (VUL) | Flexible Personal Pension / Guaranteed Income Wrap | Index-Linked Variable Annuity (ILVA) | Fixed Index Annuity (FIA) | FIA with Guaranteed Lifetime Benefits | Fixed Annuity | Single Premium Immediate Annuity | |
|---|---|---|---|---|---|---|---|---|---|---|
| Sequence of Returns Protection | w/ Rider | w/ Rider | Yes | No | Yes | Yes | Yes | Yes | Yes | Yes? |
| Longevity Protection | w/ Rider | w/ Rider | Yes | No | Yes | No | No | Yes | No | Yes |
| Equity Exposure | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | No | No |
| Investment Choice | Wide Selection of Subaccounts; Comprehensive with PPVA | Wide Selection of Subaccounts | Wide Selection of Subaccounts | Wide Selection of Subaccounts; Comprehensive with PPVUL | Publicly Traded Funds | Equity Market Indices | Equity Market Indices | Equity Market Indices | 10 Guarantee Periods | Eight Variable and One Fixed Investment Account |
| Surrender Charges | None | None | None | None | None | None | Yes | Yes | No | No |
| Tax Management | 100% Deferral | 100% Deferral | 100% Deferral | 100% Deferral | IRA or Tax Efficient Funds | 100% Deferral | 100% Deferral | 100% Deferral | 100% Deferral | No |
| Wealth Transfer | w/ Rider | Yes | w/ Rider | Basis Step-up at Death | Yes | Yes | w/ Rider | w/ Rider | Yes | No |
| Principal Protection | None | None | None | None | None | Yes | Yes | Yes | Yes | Yes |