A conservative option to preserve tax-qualified* retirement savings that provides dependable income for a lifetime or a specified period. Designed for rollovers from tax-qualified retirement plans, this series of products offers three dynamic, contemporary products to help employees save and increase retirement income.

IRAdvantage Wealth Builder℠ is a fixed deferred annuity product for individuals seeking to bridge savings needs.

IRAdvantage Wealth Builder℠, a fixed interest, individual retirement account under IRC § 408 (a), helps employees bridge the time between leaving work and when they need to access a steady stream of income. It helps provide a transitional solution, with benefits such as:

• Competitive, guaranteed interest rates
• Flexible maturity
• Continued tax deferral**
• Easy access to funds (access to up to 10 percent of the contract deposit balance annually – without an early-withdrawal penalty)

IRAdvantage Wealth Manager® is a fixed immediate annuity for tax-qualified retirement funds. It can help employees whose principal goal is the security of guaranteed, immediate income for a lifetime or specified period.

IRAdvantage Wealth Manager®, individual retirement annuity under IRC 408 § (b), is an effective financial option to convert all or a portion of savings from an employer-sponsored 401(k), pension, profit-sharing plan, or a traditional IRA to reliable income at retirement. It offers these important benefits:

• Immediate, regular income for life or a specified period
• Stability – fixed annuity payments not subject to market fluctuations
• Institutional pricing for maximized benefits at an affordable cost
• Continued tax deferral**
• Multiple payout options
• Optional cost-of-living adjustment

IRAdvantage Lifestyle Select® is a split annuity for tax-qualified retirement funds. It combines a principal with steady, immediate income by allowing individuals to choose both the IRAdvantage Wealth Builder℠ guaranteed accumulation option and the IRAdvantage Wealth Manager® fixed immediate annuity.