Guarantees are backed by the financial strength and claims-paying ability of the issuing insurance company and do not protect the value of the variable investment options, which are subject to market risk.

Boston College Center for Retirement Research, “Average Retirement Age: An Update”
2 Boston College Center for Retirement Research, “Average Years in Retirement, Men”
3 Kiplinger “Will You Really Need to Replace 80% of Your Pretirement Paycheck?"
4 Fidelity, "Health Care Price Check" 
5 Economic Policy Institute, “The State of American Retirement Savings”
6 World Economic Forum, “Retirees will outlive their savings by a decade”
7 Motley Fool, “Think Social Security Will Cover Most of Your Retirement Expenses? Think Again”
8 Social Security Administration


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