Emergency Access Waiver Available on all FIT Retirement Series Products

Your clients can access their eligible policy values for a hardship or unforeseen emergency distribution, or after separation from service or disability1, at no additional charge.

Here’s how it works:
• For TPA-approved hardship or unforeseen emergency distributions payable to the annuitant, beginning in the second policy year the waiver forgives all withdrawal charges and Market Value Adjustment (MVA)1.
• For separations or disability distribution payable to the annuitant, withdrawal charges and MVA are waived on:
o 20% of accumulated value in years 2-4
o 100% of accumulated value in years 5+

• Policy must be in 403(b) or 457(b) status.

Plus, all FIT Retirement Series annuities offer:

Tax-Deferred Growth Potential   5 Crediting Options       Retirement Income for Life