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Variable annuities

A variable annuity, like most annuities, is a contract with an insurance company. Variable annuities allow you to choose how the money will be invested, and the returns will vary depending on the performance of the investments you choose. (Hence the “variable” part of a variable annuity.) Because there is a contract with an insurance company, there is some sort of insurance provided. This is what we like to call “guaranteed income.*”

We’ve been in the variable annuity business for nearly 35 years and have learned a lot.

Whether your clients are looking to grow their nest egg, create a legacy for loved ones or just have peace of mind that they won’t outlive their savings, we have options that can be tailored to fit most needs.

A few benefits of variable annuities may include:

  • More control over investment choices
  • Tax-deferred growth while allowing clients to remain invested in the market
  • Value of funds based on market performance
  • Riders that offer growth potential and provide protection from market risk on future guaranteed income
  • Guaranteed income
  • Protection for beneficiaries in the event of death

That being said, it’s important for your clients to know that it’s possible that variable annuity investments could lose money.

When searching for the right variable annuity for your clients, choose a partner who has been there, and will be there, for the long term.

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Before investing in a variable annuity, investors should carefully consider the investment objectives, risks, charges and expenses of the contract and the underlying investment options. This and other information is contained in the free prospectus, and if available, the summary prospectus which can be obtained from your local representative. Please read the prospectus carefully before investing.

*Guarantees are based on the claims-paying ability of Principal Life Insurance Company.

Contract rider descriptions are not intended to cover all restrictions, conditions or limitations. Refer to rider for full details. Riders subject to state availability and may be subject to an additional charge.

Tax-qualified retirement arrangements, such as IRAs, SEPs and SIMPLE-IRAs are tax deferred. You derive no additional benefit from the tax-deferral feature of the annuity. Consequently, an annuity should be used to fund an IRA, or other tax-qualified retirement arrangement, to benefit from the annuity's features other than tax deferral. These features may include guaranteed lifetime income, death benefits without surrender charges, guaranteed caps on fees and the ability to transfer among investment options without sales or withdrawal charges.

Not FDIC or NCUA insured. May lose value. Not a deposit. No bank or credit union guarantee. Not insured by any Federal government agency.

Variable Annuities are issued by Principal Life Insurance Company and distributed by Principal Securities, Inc, 1-800-852-4450 , member SIPC and/or independent broker/dealers. Securities sold by a Principal Securities, Inc. Registered Representative are offered through Principal Securities, Inc. Principal Life and Principal Securities, Inc. are members of the Principal Financial Group, Des Moines, IA 50392.


This content is designed for use by Registered Representatives.

Consumers may learn more about products and services on Principal.com

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