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Annuity disclosure: Annuities are products of the insurance industry; guarantees are backed by the claims-paying ability of the issuing company. Annuities contain limitations including potential withdrawal charges and fees which may affect contract values.

Rider disclosure: Rider charge calculated annually against the Income Account Value, deducted monthly from the Base Annuity Contract’s Accumulated Value monthly beginning at Contract Issue.

Mark Sprague

Phone: (805) 473-9699
Fax: (866) 362-9436
E-mail: msprague@riskfreeretirement.com
Insurance # 0591223