Variable Annuity
Plan for a long retirement and let us help you understand your options.
What is a Variable Annuity?
A variable annuity is a long-term insurance contract that allows assets to be allocated among underlying investment options. These investment options can increase or decrease in value based on market performance.
Some variable annuities also offer optional benefits, such as lifetime income features or death benefit options. These optional benefits are generally available for an additional cost and are subject to the terms, conditions, limitations, and restrictions of the contract.
A variable annuity may offer useful features for certain investors, but it is not appropriate for everyone.
Before purchasing a variable annuity, investors should carefully review the costs, surrender charges, liquidity limits, tax treatment, market risk, optional rider costs, and available alternatives.
Why Consider a Variable Annuity?
A variable annuity may be worth evaluating if you are looking for a retirement income strategy that combines market participation potential with optional insurance features.
Depending on the contract, a variable annuity may offer:
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Access to underlying investment options
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Tax-deferred growth potential
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Optional lifetime income features
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Optional death benefit features
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The ability to structure income planning around long-term retirement needs
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Features that may help address longevity risk
These benefits are subject to contract terms and should be reviewed carefully before investing.
Ask the right questions at the right time.
Learn whether or not a Variable Annuity is the right choice for your retirement.
Infinity Financial Services can help you evaluate whether a variable annuity may fit within your broader retirement income plan. We will help you understand the potential benefits, costs, limitations, and risks before you make a decision.
Lifetime Income Features
One reason some investors evaluate variable annuities is the availability of optional lifetime income benefits.
Certain optional riders are designed to provide a stream of income for life, subject to the terms of the rider and contract. These features may help address the concern of outliving retirement assets.
However, investors should understand that lifetime income features are not the same as investment performance guarantees. The contract value can fluctuate based on market performance. Withdrawals, fees, investment results, and rider terms may affect the contract value and available benefits.
Any guarantees are subject to the claims-paying ability of the issuing insurance company.
EXAMPLE:
Insert Jackson-approved description of the specific lifetime income rider.]
Is a Variable Annuity Right For You?
A variable annuity may be worth evaluating if you:
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Are planning for long-term retirement income
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Want to explore optional lifetime income features
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Are concerned about outliving retirement assets
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Can accept market risk
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Understand that fees and expenses apply
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Do not need full liquidity from the invested assets
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Have reviewed the product’s surrender charges and limitations
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Want to include insurance-based features as part of a broader retirement plan
A variable annuity may not be appropriate if you:
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Need short-term liquidity
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Are primarily seeking a low-cost investment product
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Cannot tolerate market fluctuation
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Do not need optional income or insurance features
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May need to withdraw a large portion of your investment during the surrender period
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Do not understand the fees, risks, tax treatment, or contract limitations
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Are considering replacing an existing annuity without a clear financial reason
Questions to Ask Before Purchasing a Variable Annuity
Before purchasing a variable annuity, consider asking:
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What retirement income need am I trying to address?
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What guarantees are provided, and what is not guaranteed?
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What fees and expenses will I pay?
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How long is the surrender charge period?
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How much liquidity will I retain?
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How do withdrawals affect income benefits or death benefits?
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What happens if the market declines?
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What are the tax consequences of withdrawals?
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How does this compare with other retirement income strategies?
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Is this appropriate for my age, risk tolerance, time horizon, and income needs?
Important Disclosures
Variable annuities are long-term, tax-deferred investment vehicles designed for retirement purposes. They involve investment risk and may lose value.
Optional benefits are available for an additional cost and are subject to contract terms, conditions, limitations, and restrictions. Guarantees are subject to the claims-paying ability of the issuing insurance company and do not apply to the performance of the underlying investment options.
Withdrawals may be subject to ordinary income tax and, if taken before age 59½, may be subject to an additional 10% federal tax penalty. Withdrawals may also be subject to surrender charges and may reduce contract value, death benefits, and optional living benefits.
Investors should carefully consider the investment objectives, risks, charges, and expenses of a variable annuity and its underlying investment options before investing. This and other information is contained in the prospectus. Please read the prospectus carefully before investing.
This material is for educational purposes only and is not a recommendation to purchase, sell, hold, or exchange any variable annuity. Product availability, features, benefits, riders, fees, and limitations vary by contract and state.
[Placeholder: Insert link to current Jackson prospectus.]
[Placeholder: Insert Jackson-required product disclosures.]
[Placeholder: Insert broker-dealer disclosure, FINRA/SIPC language, insurance license disclosure, and state-specific disclosures.]
[Placeholder: Insert Infinity Financial Services and Infinity Financial Services Advisory capacity disclosure.]