Contingent Deferred Sales Charge

A contingent deferred sales charge is the same as a surrender charge or early withdrawal fee. See glossary definitions for surrender charge, surrender fee, or early withdrawal fee.

Standalone Living Benefits Provide Guaranteed Income without Annuities

The standalone living benefit (“SALB”) is a relatively new and innovative product in the retirement income arena.

A SALB is basically the same thing as the guaranteed lifetime withdrawal benefit (GLWB) that accompanies many variable annuities. The GLWB feature allows the contract holder to withdraw a fixed percentage of the total annuity premiums each year regardless of market performance.

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