Fixed Income Annuities Available at Fidelity

Fidelity provides access to annuities from selected providers. Only companies that live up to our standards are made available to you. The research capabilities used to choose these providers can help add to your peace of mind that you made a purchase from a solid company.

Choosing a fixed income annuity can be easy! Just answer these questions:

Do you want to receive payments for a set period of time or a lifetime?
If you want a lifetime payment, are you planning for just your own life (Single Lifetime) or for you and another person (Joint Lifetime)?
Do you need additional options such as protection of beneficiaries or a Cost of Living Adjustment?

	John Hancock Managed Immediate Annuity	MassMutual Guaranteed Income Annuity	MetLife Immediate Annuity	New York Life Lifetime Income / Fixed Period Annuity	Principal Income Annuity
Financial Strength Ratings^*
AM Best Financial Strength Rating	A+ Superior	A++ Superior	A+ Superior	A++ Superior	A+ Superior
S&P Financial Strength Rating	AA+ Very Strong	AA+ Very Strong	AA- Very Strong	AAA Extremely Strong	A+ Strong
Purchase Guidelines
Minimum $	$10,000	$10,000	$10,000	$10,000	$10,000
Maximum Age¹	85	89	90	89	95
Income Options—Set Period of Time
Period Certain (Years)	5 to 30	--	6 to 30	5 to 40	5 to 30
Income Options—Lifetime²
Single Lifetime
Joint Lifetime 100% benefits continuation to joint owner
Joint Lifetime 66 2/3% benefits continuation to joint owner
Joint Lifetime 50% benefits continuation to joint owner
Additional Features for Lifetime Income Options
Protection for Beneficiaries²
Guarantee Period	5 to 30	5 to life expectancy	5 to 30	5 to 30	5 to 30
Cash Refund	Single lifetime only	--
Cost of Living Adjustment
Set Annual Increase¹ (Percentage)	--	--	--	1 to 5	1 to 5

Some products and rate guarantee periods listed here may not be available in all states. Certain features may not be available in all products or depending on type of funds used to purchase the annuity.

To learn more about any of the fixed income options in the table above, please call us at 1-800-493-3004.

* Current published ratings confirmed as of 08/2009. The third party rating agencies provide ratings based on a company’s creditworthiness and strength of management which range from A++ to F for A.M. Best and AAA to CC for S&P.

Maximum and minimum issue age may vary by product and feature.
Guarantees are subject to the claims paying ability of the issuing insurance company.

Taxable amounts withdrawn from an annuity prior to age 59 1/2 may be subject to a 10% IRS penalty.

Fidelity Investments Life Insurance Company (in New York, Empire Fidelity Investments Life Insurance Company^®, New York, N.Y.) makes these products available to you, but these products are issued by other insurance companies, which are not affiliated with any Fidelity Investments company. Fidelity Insurance Agency, Inc. distributes these products. The contract's financial guarantees are solely the responsibility of the issuing insurance company.

John Hancock Managed Immediate Annuity is issued by John Hancock Life Insurance Company; MassMutual Guaranteed Income Annuity issued by Massachusetts Mutual Life Insurance Company; MetLife Immediate Annuity is issued by MetLife Investors USA Insurance Company and in New York, by First MetLife Investors Insurance Company; New York Life Lifetime Income / New York Life Fixed Period Annuity are issued by New York Life Insurance and Annuity Corporation (a Delaware Corporation), a wholly owned subsidiary of New York Life Insurance Company; Principal Income Annuity is issued by Principal Life Insurance Company.

Fixed Income Annuities Available Through Fidelity