Insurance products and their guarantees, including optional benefits[, annuity payout rates,] and any crediting rates, are backed by the financial strength and claims-paying ability of the issuing insurance company. Look to the strength of the insurance company with regard to such guarantees because these guarantees are not backed by the independent broker/dealers, insurance agencies, or their affiliates from which products are purchased. Neither these entities nor their representatives make any representation or assurance regarding the claims-paying ability of the issuing company.

Investment and Insurance Products: Not a Deposit • Not Insured by any Federal Government Agency • Not FDIC Insured • No Bank Guarantee • May Lose Value