Annuities are designed to be long-term insurance products. Early withdrawals may impact annuity cash values and death benefits. Taxes are payable upon withdrawal of funds. An additional 10% IRS penalty may apply to withdrawals prior to age 59 ½. Income benefit riders may be offered either built-in or for an additional cost.  Annuities are not guaranteed by FDIC or any other governmental agency, rather, all contractual guarantees are backed up by the claims paying ability of the individual Insurance Companies. Keep in mind that most life insurance policies require health underwriting and, in some cases, financial underwriting. Fixed Indexed Annuities are insurance products and not considered a security or investment. Some restrictions may apply. We are not endorsed by, or affiliated with, the Social Security Administration or any other government agency.  Call for specific details and availability.