DELAWARE INSURANCE DEPARTMENT

FINAL POINTS TO CONSIDER

It is very important that you choose an annuity that you understand well. The purpose of this Buyer's Guide is to help you understand your annuity. Your agent or insurance company can guide you. Remember that the quality of service you can expect from the company and the agent should also be important to you when you buy an annuity.

When you receive your contract, read it carefully. It may offer a “free look” period for you to decide if you want to keep the contract. Ask your agent or insurance company for an explanation of anything you don't understand. It you have a specific complaint or can't get the answers you need from your agent or company, contact your state insurance department.

1998 National Association of Insurance Commissioners