Insurance & Annuities

We know that insurance and annuities are an important component of many advisors' practices and a cornerstone of their clients' risk management strategies. That's why we make available a broad range of products through many of the industry's leading providers.

As you know, annuities can directly address your clients' needs for retirement income. With that in mind, we offer a variety of fixed and variable annuity options that can meet a range of financial needs allowing your clients to accumulate money for their retirement and/or turn a lump sum of money into a guaranteed stream of income. As part of a sound financial plan, insurance products are designed to offer clients' peace of mind and help prepare them for life's many unforeseen events.

Life Insurance provides a protective cushion through a valuable death benefit. Our life insurance products include term life, whole life, variable and variable universal life and group life.

Long-term Care Insurance (LTC) provides valuable support and financial resources that help cover the cost of long-term care in the event of an illness, accident, or through the normal effects of aging.

Disability Income Insurance provides monthly income to help maintain standard of living and offers the ability to retain independence and dignity without burdening others.

Health Insurance provides coverage for medical, prescription drug and dental expenses. We offer a variety of plans for both group and individuals as well as Medicare supplement plans.

Investors should consider the investment objectives, risks, charges and expenses of a variable life insurance policy and variable insurance contract, along with the underlying investments, carefully before investing.

For a prospectus containing this and other information for any variable insurance product, contact the appropriate provider. Please read the prospectuses carefully before investing.

Variable annuities are suitable for long-term investing, particularly for retirement. All guarantees are contingent on the claims-paying ability of the issuing insurance company. Variable and fixed annuities may charge for separate account management fees and additional insurance costs, such as mortality and expense fees. Annuities have surrender charges for withdrawals in the early years and a 10 percent tax penalty for withdrawals prior to age 59 1/2.