Annuities

An annuity can help you build your savings now and create a source of guaranteed income for retirement.

The benefits of using variable annuities in your retirement plan

Variable annuities can help build your investment portfolio while also providing other benefits. They’re long-term, market-based investments that grow tax-deferred. Potential growth within a variable annuity can be used to help you create a source of guaranteed income in retirement. They can also be used to create a beneficiary plan that takes care of your loved ones.

Why choose a variable annuity?
  • Your money can be invested in market-based accounts.
  • Tax-deferred growth potential on your premiums and earnings.
  • No IRS contribution limits on after-tax money.
  • Can create guaranteed income for your retirement that you can’t outlive.
  • Provide death benefits that don’t require underwriting or ongoing premiums.

We offer two variable annuities, each focusing on different needs depending on your long-term financial goals.

1). Old Mutual Investment Group Pivot Series Variable Annuity: Designed to provide market growth potential.
2). Old Mutual Investment Group Lifetime Income Solutions II: Designed to provide guaranteed income in retirement.

Some factors to consider about a variable annuity: There are potential surrender fees and penalties for early withdrawal, and fees are typically higher on variable annuities than on fixed annuities. Please discuss the pros and cons of a variable annuity with a financial professional to see if it’s a right fit for your financial plans.

The advantages of registered index-linked annuities (RILA)

If you’re looking for market-based investments to help grow your money, but market volatility still causes concern, a product that offers growth potential with some protection from loss may be what you need. A registered index-linked annuity, or RILA, can do just that.

Why choose a registered index-linked annuity

  • Can choose investment options based on personal investment goals.
  • Offer market-based growth by linking to a choice of indices.
  • Provides some protection from market losses.
  • Gives you control and flexibility over your investment strategy.

Some factors to consider about a registered index-linked annuity: There are typically caps on investment gains, and fees and commissions are typically higher on these products.

Before you invest in a variable annuity, you should carefully consider its investment objectives, risks, charges and expenses, as well as the underlying investment options it offers. You can find this and other information in the free prospectus, and if available, the summary prospectus, which you can obtain from your local representative. We strongly encourage you to read the prospectus carefully before making an investment.

There are risks involved with investing, including the possible loss of your principal. We don’t guarantee that the strategies described will achieve their goals. Old Mutual Investment Group Strategic Outcomes does not directly participate in any stock, equity investments or index. It is not possible to invest directly in an index.

IMPORTANT CONSIDERATIONS

Index-linked deferred annuity contracts are complex insurance and investment vehicles. This contract is a security and there is a risk of substantial loss of principal and earnings. The risk of loss may be greater when early withdrawals are taken due to any charges and adjustments applied to such withdrawals. These charges and adjustments may result in loss even when the value of a segment option has increased. Clients should consult with a financial professional about the appropriateness of this product based on their financial situation and objectives.

Withdrawals will reduce the contract value and death benefit. Some withdrawals may be subject to additional charges and adjustments. Withdrawals before age 59½ may be subject a 10% early withdrawal federal tax penalty in addition to ordinary income taxes.

Annuities have limitations. They are long-term vehicles designed for retirement purposes. Annuities are not intended to fund short-term savings goals. Annuities aren’t insured by the FDIC, aren’t guaranteed by any other financial institution, and involve risk. The risk includes potentially losing your premium invested if the issuing insurance company isn’t able to meet its obligation.

All guarantees and benefits of the insurance policy are backed by the claims-paying ability of the issuing insurance company. All guarantees and benefits of the insurance policy are backed by the claims-paying ability of the issuing insurance company. Policy guarantees and benefits are not obligations of, nor backed by, the broker/dealer and/or insurance agency selling the policy, nor by any of their affiliates, and none of them makes any representations or guarantees regarding the claims-paying ability of the issuing insurance company.

This is not a recommendation and is not intended to be taken as a recommendation. This material was prepared for general distribution and is not directed to a specific individual.

The subject matter in this communication is provided with the understanding that Old Mutual Investment Group is not rendering legal, accounting or tax advice. You should consult with appropriate counsel or other advisors on all matters pertaining to legal, tax, or accounting obligations and requirements.

Contract rider descriptions are not intended to cover all restrictions, conditions, or limitations. Refer to rider for full details. Riders subject to state availability and may be subject to an additional charge.

Annuity products and services are offered through Old Mutual Investment Group.