Personal Income Annuity

Personal Income Annuity is a single-premium indexed annuity that offers protection from market loss, a 10-year surrender charge period, and lifetime income via a choice of two guaranteed minimum withdrawal benefit riders¹. It offers a fixed interest account and 10 indexed accounts with index credits linked to the positive performance of two market indices: S&P 500^® and the CS Tactical Multi Asset™ Indices. Designed for individuals who seek to benefit from the upside potential of the equity markets without risking loss of principal due to market downturns², this product may be appropriate for individuals who:

• Seek control and flexibility within a more conservative investment
• Are concerned about the long-term effects of market volatility
• Are looking for guaranteed lifetime retirement income
• Need to rebalance their overall investment portfolios
• Want to accumulate money for retirement on a tax-deferred basis