Variable annuities are subject to market risk. Investment return and principal value will vary so that units, when redeemed, may be worth more or less than their original cost. Also, withdrawal of earnings will be subject to ordinary income tax and may be subject to 10% IRS penalty tax if taken prior to age 59 ½. The death benefit guarantee is subject to the claims-paying ability of the issuing insurance company and does not apply to the investment performance or safety of the underlying investment options. Variable annuities are suitable for long-term investing, particularly retirement savings.