Are you interested in reducing your taxes, while also benefiting from the growth potential of the stock market?

If so, then consider a variable annuity.Variable rate annuities are retirement savings vehicles that combine the benefits of investing in the stock market with the protection options of life insurance.A variable rate annuity is a contract between an investor and a life insurance company. With a variable rate annuity, you have the opportunity to invest in a range of “sub-accounts”*. They are professionally managed funds that include a range of securities. You can select the sub-accounts that best reflects your investment needs: growth, income, etc.

A variable rate annuity also allows for transfer privileges enabling you to move your money from one fund to another as your goals change from growth to income.

Variable annuities allow you to accumulate assets on a tax-deferred basis, so your earnings benefit from being reinvested, and compounding for the life of the contract. All earnings are taxed at withdrawal**, rather then when earned.

Many of today’s variable annuities also provide additional protection features for an additional charge, including:

• Guarantee*** of your original investment amount, to protect your original investment from loss in the event of stock market declines
• Ability to “lock-in” any market gains at a pre-determined time (typically five years from opening the contract)

To learn more about variable annuities and how they may help you reach your retirement goals, contact Jerry Clark, Financial Consultant, at (800) 478-6990, ext. 212 or via email at gerald.clark@lpl.com.

For more complete information about variable annuities including charges, expenses, investment objectives, operating policies and risks please obtain a prospectus from our Financial Consultant. Please read the prospectus carefully before investing or sending money. Before investing, investors should carefully consider the investment objectives, risks, charges and expenses of a variable annuity and its underlying investment options. The contract prospectus and the underlying fund prospectuses provide this and other important information.

*Investments in variable sub accounts will fluctuate and when redeemed, may be more or less than their original value.

**All withdrawals of taxable amounts are subject to ordinary income tax and withdrawals made prior to age 59 ½ may incur a 10% tax penalty.

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