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Educational only. This material is not a recommendation, offer, tax advice, or legal advice. Annuities are insurance products and are not appropriate for everyone. Product features, costs, surrender charges, liquidity, tax treatment, income options, spouse benefits, and beneficiary provisions vary. Guarantees depend on the terms of the contract and the claims-paying ability of the issuing insurer. Variable annuities and registered index-linked annuities are securities, involve market risk, and may lose value. Securities and advisory services, where offered, are available only through appropriately registered professionals. Product availability varies by state and carrier.