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Variable Annuities
 Variable annuities allow the owner to invest their annuity premium
in any way they see fit. The insurance company does not share in profits of
investments or protect losses. They carry the same risks as individual
stocks, bonds or mutual funds. If the securities the Annuity is based on go up
20% for example, you keep all gains, if the investments decline 20% you must
take the loss. Variable annuities afford flexibility, allowing investors to
invest simultaneously across a wide array of securities: bonds, mutual
funds, stocks, futures, etc. They are designed for more aggressive investors
who desire investment flexibility.
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