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* Optional lifetime income benefit riders are used to calculate lifetime payments only and not available for cash surrender or in a death benefit unless specified in the annuity contract. Fees may apply. Surrender charges apply to base contracts. Guarantees are based on the financial strength and claims paying ability of the insurance company. It is important that you read all insurance contract disclosures carefully before making a purchase decision. Rates and returns mentioned on this advertisement may vary based on state availability and are subject to change without notice. Returns may refer to indexed annuities that are linked to stock market performance. Past performance is not an indicator of future results. Supporting client statements for the return mentioned in this ad our available from AdvisorWorld.com Inc upon request or the licensed Insurance agent we refer you to. The preceding information does not represent tax, legal, or investment advice