Disclosures necessary to provide investors with a sound basis to evaluate Retirement Security Group presentations:
*Guarantees apply to certain insurance and annuity products, including optional benefits (not securities, variable or investment advisory products) and are subject to product terms, exclusions and limitations.
*Investments that offer principal protection may carry limitations such as minimum holding periods or age restrictions.
*Guarantees associated with certain investment products may only be available for an additional cost.
*Investing involves risks, including the potential for principal loss and there can be no guarantee the strategies offered will achieve their intended objective.
*Investment Performance is Not Guaranteed
*Variable Annuities are long-term investments designed for retirement purposes. Variable Annuities have limitations, exclusions, charges, termination provisions and terms for keeping them in force. There is no guarantee that any of the variable investment options in variable annuity products will meet the stated goals or objectives. The account value is subject to market fluctuations and investment risk so that, when withdrawn, it may be worth more or less than its original value, even when an optional protection benefit rider is elected. All product guarantees, including optional benefits, are based on the claims-paying ability and financial strength of the issuing insurance company.
*Withdraws from variable annuities are subject to income taxes and withdraws prior to age 59 1/2 may be subject to a 10% tax penalty.
*Investment products and strategies carry risks and there can be no guarantee the strategies promoted will be successful or provide adequate retirement income.