Protect Strategies to Help Meet a Range of Client Challenges

Meeting a Broad Range of Client Needs

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Investors should consider the features of the contract and the underlying portfolios' investment objectives, policies, management, risks, charges and expenses carefully before investing. This and other important information is contained in the prospectus, which can be obtained on the prospectus page or by contacting the National Sales Desk. Your clients should read the prospectus carefully before investing.

An annuity is a long-term investment designed for retirement purposes. Investment returns and the principal value of an investment will fluctuate so that an investor’s units, when redeemed, may be worth more or less than the original investment. Withdrawals or surrenders may be subject to contingent deferred sales charges. Withdrawals and distributions of taxable amounts are subject to ordinary income tax and, if made prior to age 59½, may be subject to an additional 10% federal income tax penalty, sometimes referred to as an additional income tax. Withdrawals reduce the account value and the living and death benefits.

A fixed indexed annuity (FIA) is a tax-deferred financial tool designed for the long term. It offers a level of protection for your clients' money against loss with the opportunity for it to grow based on the performance of a specific market index, or combination of indices. With a FIA, your clients' money is not actually invested in any index, but rather may earn interest based on the index's performance. There is typically an upper limit, known as a "cap," on the amount of potential interest credited in a given period, as well as a "floor" that offers downside protection. For complete information about the annuity, please refer to the Important Information Disclosure Statement.

Annuity contracts contain exclusions, limitations, reductions of benefits, and terms for keeping them in force. A licensed financial professional can provide complete details.

All references to guarantees, including optional benefits, are backed by the claims-paying ability of the issuing company and do not apply to the underlying investment options.

Optional living and death benefits may not be available in every state and may not be elected in conjunction with certain optional benefits. Optional benefits have certain investment, holding period, liquidity, and withdrawal limitations and restrictions. The benefit fees are in addition to fees and charges associated with the basic annuity. Please see the prospectus for more information.

This material may not be approved in all states.

Issued on Contracts: P-OB/IND(5/14), P-OC/IND(5/14), P-BBND(2/13), P-BLX/IND(2/10), P-CR/IND(2/10), PI-SPIA/IND(2/14), ICC17-FIAE(11/17), FIAE/IND(11/17), et al. or state variation thereof.

Issued on endorsements: ICC17-FIA-P2P(11/17), ICC17-FIA-MVA(11/17), et al. or END-FIA-MVA(11/17) et al. or state variation thereof with schedules ICC17-FIA-P2P-SCH(11/17), ICC17-FIA-MVA-SCH(11/17), et al. or END-FIA-MVA-SCH(11/17) et al. or state variation thereof.

Issued on Riders: P-RID-LI-DB(5/14), P-RID-HD-HDB(2-14), P-RID-DBROLL(5/17), et al. or state variation thereof.

For Compliance Use Only: 0308339-00004-00