Harris - Fixed Annuities

Investments and Retirement Planning

Market Linked Certificate of Deposits (CDs)

Fixed Annuities

A fixed annuity is a contract between you and a life insurance company that’s designed to provide tax-deferred growth as well as income for you, either for your lifetime or a specified period of time. You pay a premium in exchange for a fixed rate of return.

Designed for investors who want to know how much they are earning, a fixed annuity offers safety of principal and a guaranteed* interest rate for the life of the policy.

Features and Benefits
With a fixed annuity, you benefit from:

	•	Principal and interest guaranteed by the Insurance Company*
	•	100% tax deferral
	•	Protection from market volatility with minimal risk exposure
	•	Flexible payout options including income for life***
	•	Beneficiary protection such as death benefit or guaranteed return of principal

Other investment considerations

	•	Early withdrawals may be subject to surrender charges and/or Market Value Adjustment**
	•	May not necessarily keep up with inflation
	•	Renewal rates may differ from initial interest rates
	•	There is no additional tax benefit derived from placing tax-qualified funds into an annuity

* Guarantees are subject to the claims paying ability of the issuing insurance company.
** Market Value Adjustments may apply which may increase or decrease the value of the annuity.
***IRS penalties may apply to withdrawals made prior to age 59 ½.

Neither Harris Investor Services nor Harris Bancorp Insurance Services provide legal or tax advice. If you have questions regarding such, please consult with a qualified tax or legal advisor.

To learn more about investment advice and guidance, call us at 1-877-225-3863 or email us.

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Brokerage products offered through Harris Investor Services, Inc. registered broker/dealer, member FINRA/SIPC , SEC-registered investment adviser. Insurance and annuities offered through Harris Bancorp Insurance Services, Inc. Harris Investor Services, Inc. and Harris Bancorp Insurance Services, Inc. are affiliates of Harris N.A. and its banking subsidiaries. Products offered are: NOT A DEPOSIT - NOT INSURED BY THE FDIC OR ANY FEDERAL GOVERNMENT AGENCY - NOT GUARANTEED BY ANY BANK - MAY LOSE VALUE.

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