*Fidelity reserves the right to limit contributions.

**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and investment returns of a variable annuity will fluctuate and you may have a gain or loss when money is received or withdrawn.

Before investing, consider the investment objectives, risks, charges and expenses of the annuity and its investment options. Call or write to Fidelity or visit Fidelity.com for a free prospectus containing this information. Read it carefully.

Annuities and life insurance are issued by Fidelity Investments Life Insurance Company and in New York by Empire Fidelity Investments Life Insurance Company®, New York, NY. Fidelity Brokerage Services, Member NYSE, SIPC, and/or Fidelity Insurance Agency, Inc., are the distributors. Some insurance products are issued by third party insurance carriers. The contract's financial guarantees are solely the responsibility of the issuing insurance company.