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Variable Annuities

Over the past several years, annuities have undergone major changes and developments as it pertains to their purpose, use, features, and benefits. With these changes and improvements, millions of Americans have discovered how a variable annuity can help provide for a more secure retirement. Generally, variable annuities offer a number of distinct benefits:

• Tax-deferred growth potential
• Professional money management
• Portfolio diversification
• Lifetime income options
• Beneficiary protection

In addition to the standard benefits listed above, many variable annuities now allow you to choose additional features and benefits that are important to you. When appropriate, an investor may decide to choose to add certain optional benefits (for an additional charge) such as:

• An instant addition to your premium
• Additional access to your money
• Enhanced protection for your family
• Guarantee of principal
• Other important safeguards for your principal and retirement income

Most variable annuities offer distinct variable investment options in almost every asset class from some of the most recognized names in the industry.

Variable annuities involve investment risks, may lose value and should be viewed as long-term investment vehicles designed for retirement. Earnings are taxable as ordinary income when distributed and, if withdrawn before age 59½, may be subject to a 10% federal tax penalty. Withdrawals may be subject to withdrawal charges, recapture charges and excess interest adjustments (where applicable).

If you would like to learn more about how a variable annuity may meet your needs, please contact a Harvest representative for more information.

Before investing, you should carefully consider the investment objectives, risks, charges and expenses of the variable annuity. The prospectus contains this and other important information, and you should always read the prospectus carefully before investing or sending money. A Harvest representative will gladly provide you with a prospectus for any variable annuity currently available.

 

Securities offered through Brookstone Securities, Inc. ~ Member NASD/SIPC, Harvest Financial, Inc. and Brookstone Securities, Inc are separate and unrelated companies.
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