31 South Avenue West,
» Allianz Life Insurance Company of North America
» American National Insurance Company
» Athene Life
» Equitable Life Insurance (formerly AXA)
» Brighthouse Financial, Inc. (MetLife Investors USA Insurance Company)
» Columbus Life Insurance Company
» CUNA Mutual Group
» Global Atlantic Distributors
» Great American Life Insurance Company
» Jackson National Life Insurance Company
» Lincoln Financial (Lincoln National Life)
» Midland National Life Insurance Company
» Nationwide Life Insurance Company
» Pacific Life Insurance Company
» Protective Life Insurance Company
» Prudential Annuities Life
» Security Benefit Life Insurance Company
» Transamerica Life Insurance & Annuity Company
*Other carriers may be available.
A variable annuity is an insurance contract which offers three basic features not commonly found in mutual funds: (1) annuity payout options that can provide guaranteed income for life; (2) a death benefit; and (3) tax-deferred treatment of earnings. When applicable, the tax deferred accrual feature is already provided by the tax-qualified retirement plan (e.g. 403(b), IRA, etc.). The U.S. Securities and Exchange Commission (Investor Tips: Variable Annuities) has suggested that it may be more advantageous to make the maximum allowable contribution to a tax-qualified retirement plan before investing in a variable annuity. The separate account of a variable annuity is not a mutual fund. While separate accounts may have a name similar to a mutual fund, it is not the same pool of funds and will experience different performance than the mutual fund of the same or similar name. In addition, the financial ratings of the issuing insurance company do not apply to any non-guaranteed separate accounts. The value of the separate accounts that are not guaranteed will fluctuate in response to market changes and other factors. Variable annuities are designed to be long-term investments and early withdrawal may be subject to tax penalties and charges. Please obtain a prospectus for complete information including charges and expenses. Read it carefully before you invest or send money.
In reference to general account obligations and guarantees, such as is present with fixed annuities, the ability for the insurance company to meet these obligations to policyholders are subject to sufficient capital, liquidity, cash flow and other resources of the insurance company.