DELAWARE INSURANCE DEPARTMENT

IS THERE ALWAYS A CHARGE TO TAKE MY MONEY OUT EARLY?

Your annuity may have limited “free withdrawal” provisions. This lets you make one or more withdrawals without charge each year. The size of the free withdrawal is limited to a set percentage of your annuity's guaranteed or accumulated value. If you make a larger withdrawal, you may pay withdrawal charges. You may also lose index-linked interest on amounts you withdraw.

Most annuities waive withdrawal charges on withdrawals made within a set number of days at the end of each term. Some annuities waive withdrawal charges if you are confined to a nursing home or diagnosed with a terminal illness. You may, however, lose index-linked interest on withdrawals.

1998 National Association of Insurance Commissioners