• Annuities are not FDIC-insured

• If you make withdrawals before age 59½, you may be subject to a 10% IRS penalty

• Deferred fixed annuities may offer more access to assets than a CD

• Annuity earnings compound on a tax-deferred basis

1. Each individual's situation is unique and therefore seeking additional guidance from a tax advisor is suggested. Although variable annuities offer tax-deferral, if you are considering one to fund a qualified retirement plan or IRA, you should do so for the variable annuity's features and benefits other than tax deferral. In such cases, tax deferral is not an additional benefit of the variable annuity. References throughout this material to tax advantages, such as tax deferral and tax-free transfers, are subject to this consideration.

2. Insurance companies reserve the right to limit contributions.

3. The maximum Surrender Charge is 7% year 1 and 2, 6% year three, 5% year 4, 4% year 5, 3% year 6, and 2% year 7. After 7 years there is no surrender charge.

4. The rider does not protect the account value from day-to-day market fluctuations or against losses that could be realized before the completion of the holding period. That means the rider will not provide a benefit if the policy is not held for the entire holding period after it is elected or reset. Withdrawals reduce the rider's guaranteed amount proportionally, which may be more than the actual dollar amount withdrawn; so the rider is not intended for clients who anticipate taking substantial withdrawals (including IRS required minimum distributions) before the completion of the rider holding period.

5. The lifetime withdrawal benefit amount is available after the youngest annuitant turns age 59½.

6. Any withdrawal prior to age 59½ will reduce the GLWB amount. After age 59½, an early access withdrawal or any withdrawal (including applicable MVA and surrender charges) that exceeds your GLWB amount will reduce income guarantees.

7. Deferred Income Annuity contracts are irrevocable, have no cash surrender value, and no withdrawals are permitted prior to the income start date.

Fidelity insurance products are issued by Fidelity Investments Life Insurance Company (FILI), 900 Salem Street, Smithfield, RI 02917, and, in New York, by Empire Fidelity Investments Life Insurance Company®, New York, N.Y. FILI is licensed in all states except New York. Other insurance products available at Fidelity are issued by third-party insurance companies, which are not affiliated with any Fidelity Investments company. A contract's financial guarantees are subject to the claims-paying ability of the issuing insurance company.

Product availability and features may vary by state. Please refer to the contract prospectus for more complete details regarding the living and death benefits.