Consider an Immediate Income Annuity?

At Fidelity, we believe that you should consider an income annuity to help reduce the possibility of outliving your assets. An income annuity can supplement Social Security and pension benefits and help supplement your retirement income base. This income base can then be used to help cover essential expenses like utilities, a mortgage or health insurance.

An income annuity is an investment product that converts a portion of your retirement savings into a regular stream of retirement income "paychecks." In exchange for your one-time investment, the issuing insurance company actually guarantees that it will pay you (or you and your spouse) a stream of income payments for life.*

An Income Annuity May Be a Good Choice for You If...

You have little or no income from a company pension, and would like to create a stream of lifetime income that complements Social Security benefits.
You want to create a simple, low-maintenance way of ensuring your surviving spouse will continue to receive a portion of your retirement income.
You want the certainty of knowing you have a predictable stream of income you can't outlive.

Guidelines for Purchasing an Income Annuity

Generally, you should use no more than 30% of your retirement assets to buy an income annuity.
You should only purchase income annuities from financially sound insurance companies with high credit ratings and competitive payouts. You may want to investigate the insurance industry ratings on credit quality and financial strength that are published by two well-known providers, A.M. Best and Standard & Poor's.
You should carefully weigh the value of any optional benefits your annuity may offer, against their associated costs.

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*Guarantees are subject to the claims-paying ability of the issuing insurance company.

Principal value, income payments, and investment returns of a variable annuity will fluctuate and you may have a gain or loss when money is received.

Taxable amounts withdrawn prior to age 59½ may be subject to a 10% IRS penalty.

Before purchasing an annuity, you should carefully consider its investment options' objectives, and all the risks, charges, and expenses associated with the annuity and its investment options. For this and other information, call Fidelity at 800-544-3274 for a free prospectus or view one online. Read it carefully before you invest.

Fidelity annuities are issued by Fidelity Investments Life Insurance Company and in NY, Empire Fidelity Investments Life Insurance Company®. Fidelity Brokerage Services, Member NYSE, SIPC, and Fidelity Insurance Agency, Inc., are the distributors.

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	At Fidelity, we believe that you should consider an income annuity to help reduce the possibility of outliving your assets. An income annuity can supplement Social Security and pension benefits and help supplement your retirement income base. This income base can then be used to help cover essential expenses like utilities, a mortgage or health insurance. An income annuity is an investment product that converts a portion of your retirement savings into a regular stream of retirement income "paychecks." In exchange for your one-time investment, the issuing insurance company actually guarantees that it will pay you (or you and your spouse) a stream of income payments for life.* An Income Annuity May Be a Good Choice for You If... You have little or no income from a company pension, and would like to create a stream of lifetime income that complements Social Security benefits. You want to create a simple, low-maintenance way of ensuring your surviving spouse will continue to receive a portion of your retirement income. You want the certainty of knowing you have a predictable stream of income you can't outlive. Guidelines for Purchasing an Income Annuity Generally, you should use no more than 30% of your retirement assets to buy an income annuity. You should only purchase income annuities from financially sound insurance companies with high credit ratings and competitive payouts. You may want to investigate the insurance industry ratings on credit quality and financial strength that are published by two well-known providers, A.M. Best and Standard & Poor's. You should carefully weigh the value of any optional benefits your annuity may offer, against their associated costs. Top Guarantees are subject to the claims-paying ability of the issuing insurance company. Principal value, income payments, and investment returns of a variable annuity will fluctuate and you may have a gain or loss when money is received. Taxable amounts withdrawn prior to age 59½ may be subject to a 10% IRS penalty. Before purchasing an annuity, you should carefully consider its investment options' objectives, and all the risks, charges, and expenses associated with the annuity and its investment options. For this and other information, call Fidelity at 800-544-3274 for a free prospectus or view one online. Read it carefully before you invest. Fidelity annuities are issued by Fidelity Investments Life Insurance Company and in NY, Empire Fidelity Investments Life Insurance Company®. Fidelity Brokerage Services, Member NYSE, SIPC*, and Fidelity Insurance Agency, Inc., are the distributors.	Learn more about Income Annuities through Fidelity. Request a copy of Fidelity's Generating Income in Retirement Guide.

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An Income Annuity May Be a Good Choice for You If...

Guidelines for Purchasing an Income Annuity