ANNUITIES

PFS Investments offers three kinds of annuities products: variable annuities, fixed annuities, and fixed indexed annunities:

• Variable annuities are long-term contracts between an individual and an insurance company. Variable annuities contain both investment and insurance features and are designed specifically for retirement.
• Fixed annuities are long-term contracts between an individual and an insurance company. Fixed annuities provide a fixed rate of return that is guaranteed by the issuing company.
• A fixed indexed annuity is a long-term contract between an individual and an insurance company. Fixed index annuities provide a higher rate of return than a fixed annuity, but the return is not guaranteed.

PFS Investments' Annuity Providers:

• Lincoln Financial
• Brighthouse Financial
• Equitable
• AIG