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Variable Annuities: What You Should Know - SEC

WHAT YOU Should KNOW | 1 Variable AnnuitiesWhat You Should KnowInformation is an investor s best tool2 | Variable ANNUITIESWHAT YOU Should KNOW | 1 Variable AnnuitiesVariable annuities have become a part of the retirement and investment plans of many Americans. Before you buy a Variable annuity, you Should know some of the basics and be prepared to ask your insurance agent, broker, finan-cial planner, or other financial professional lots of ques-tions about whether a Variable annuity is right for you. This is a general description of Variable annuities what they are, how they work, and the charges you will pay. Before buying any Variable annuity, however, you Should find out about the particular annuity you are consider-ing. Request a prospectus from the insurance company or from your financial professional, and read it carefully.

You may want to consider the financial strength of the insur-ance company that sponsors any variable annuity you are con-sidering buying. This can affect the company’s ability to pay any benefits that are greater than the value of your account in mu-tual fund investment options, such as a death benefit, guaranteed

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