Page 33 - DON'T MAKE ME SAY I TOLD YOU SO - ANNUITY CHAPTER ONLY

Section 10

Variable annuities in tax-Deferred

Plans

If you invest in a variable annuity in an IRA or Roth IRA account, you
will gain no additional tax advantage from the variable annuity.

These accounts are already tax-deferred, so the tax-deferral aspect
of a variable annuity provides no extra benefit.

If you are considering a variable annuity for your tax-deferred
accounts, you should only do it if it makes sense because of the

other features that are available. As noted earlier, these features
include:

► Living benefits

► Guaranteed lifetime income option

► Death benefits

Here are the top reasons cited by investment advisors for putting

qualified retirement money into a variable annuity:

Chapter 4: Annuities

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