Variable Annuities are long-term investments designed for retirement purposes and are sold by prospectus. Investors should consider the investment objectives, risks, charges, and expenses of the investment company carefully before investing. This, as well as other important information, is contained in the prospectus. Please read it carefully before investing or sending money. Annuities are not insured or guaranteed by the FDIC. Shares can fluctuate in value and, when redeemed, may be worth more or less than their original cost. Withdrawals from Variable Annuities made prior to age 59 1/2 may be subject to 10% IRS penalty charges and/or surrender charges. Early withdrawals have the effect of reducing the death benefit and cash surrender value. For more information, or to request a prospectus, contact your investment representative or the insurance company.