Insurance products are offered through appropriately licensed insurance professionals. Product availability varies by state.

Annuities are long-term insurance contracts and may include surrender charges, market-value adjustments, withdrawal limitations, rider fees, and tax consequences. Guarantees are backed by the claims-paying ability of the issuing insurer.

Life insurance policy loans and withdrawals may reduce cash value and death benefits and may create tax consequences if a policy lapses or is surrendered.

Testimonials, when used, reflect individual experiences and are not a guarantee of future results. Publication may be subject to carrier or firm approval.