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.

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and investment returns of a variable annuity will fluctuate and you may have a gain or loss when money is received or withdrawn.

Annuities are issued by Fidelity Investments Life Insurance Company (FILI), and in New York, by Empire Fidelity Investments Life Insurance Company^®, New York, N.Y. FILI is licensed in all states except New York. Some annuities are issued by third-party insurance carriers. The contract's financial guarantees are solely the responsibility of the issuing insurance company.

Annuities are distributed by Fidelity Brokerage Services, Member NYSE, SIPC, and/or Fidelity Insurance Agency, Inc.

1. Guarantees are subject to the claims-paying ability of the issuing insurance company.
2. Before exchanging, check with your current provider to see if it will assess a surrender charge, and also consider the existing benefits and features you may lose in an exchange.