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 | |
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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 |