What questions should I ask my agent or the company

• Is this a single premium or flexible premium contract?
• Is this a Fixed-Indexed Annuity?
• What is the initial interest rate and how long is it guaranteed?
• Does the initial rate include a bonus rate, and how much is the bonus?
• What is the guaranteed minimum interest rate?
• What renewal rate is the company crediting on annuity contracts of the same type that were issued last year?
• Are there withdrawals or surrender charges or penalties if I want to end my contract early and take out all of my money, and if so, how much are they?
• Can I get a partial withdrawal without paying surrender charges for reasons such as death, confinement in a nursing home or terminal illness?
• Is there a market value adjustment (MVA) provision in my annuity?
• What other charges, if any, may be deducted from my premium or contract value?
• If I pick a shorter or longer payout period or surrender the annuity, will the accumulated value or the way interest is credited change?
• Is there a death benefit? How is it set? Can it change?
• What income payment options can I choose? Once I choose one payment option, can it be changed?

If you have more questions about the information provided or about your retirement situation please contact your local Safe Money Representative or ask the experts.

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