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Content in this material is for general information only and not intended to provide specific advice or recommendations for any individual.

There can be no guarantee that strategies promoted will be successful and no guarantee of positive results.

Riders are additional guarantee options that are available to an annuity or life insurance contract holder. While some riders are part of an existing contract, many others may carry additional fees, charges and restrictions, and the policy holder should review their contract carefully before purchasing.

Guarantees are based on the claims paying ability of the issuing insurance company.

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