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Text[0]=["","An investment vehicle offered by an insurance company that includes a minimum guaranteed interest rate and account value."]
Text[1]=["","A financial product designed to build wealth over a long period of time. Value accumulates in the product in order to be used at a later date, as for retirement."]
Text[2]=["","The ability to delay paying Income Tax on earnings until those funds are withdrawn from the Annuity."]
Text[3]=["","An Annuity that limits contributions either to a single payment or to a number of payments over a short period of time."]
Text[4]=["","Withdrawing the value of an Annuity Contract in a single payment."]
Text[5]=["","An annuity that accepts multiple payments of Premium."]
Text[6]=["","A contract sold by an insurance company to provide payments to the holder at specific intervals, usually after retirement. Annuities have two phases: Accumulation and Payout."]
Text[7]=["","Money paid into a Annuity. For purposes of simplicity, people sometimes talk about deposits into an Annuity. But since an Annuity is a form of insurance, it's best to think of money used to purchase an Annuity contract as Premium."]
Text[8]=["","The period during which Surrender Charges will be subtracted from the Annuity's Account Value if funds are withdrawn from the Annuity."]
Text[9]=["","An Annuity for which earnings are tied to the performance of a market index or indexes (e.g., the Standard & Poors 500). Equity Index Annuities are intended for the accumulation phase of retirement savings, when credited interest is retained to compound on a Tax-Deferred basis. Also known as an Equity Index Annuity or Fixed Index Annuity."]
Text[10]=["","In a Fixed Index Annuity (FIA), the percentage of the increase in the applicable index, during the Index Period, that will be credited as interest to the Annuity. For example, an FIA with a participation rate of 80%, during an index period when the index rose 10%, would credit 8% interest (80% of 10%)."]
Text[11]=["","An Annuity, the terms of which prohibit Surrender before the Guarantee Period ends."]
Text[12]=["","The sum total of all actual Premiums put into a Non-Qualified Annuity. Equal to Cost-Basis."]
Text[13]=["","The Account Value is the sum of all Premiums, increased by accumulated interest of Index Credits, less the amount of any gross withdrawals. The Account Value is not necessarily the same as the Surrender Value."]
Text[14]=["","The transaction that changes a Deferred Annuity from the Accumulation Phase to the Payout Phase."]
Text[15]=["","The contractually established period during which Annuities distribute Principal and accumulated interest to the Contract Owner or their named payee. Also call Distribution Phase or Income Phase."]
Text[16]=["","An Annuity purchased with after-tax dollars that is not a part of a tax-qualified retirement plan. Money paid into a Non-Qualified Annuity is not tax deductible."]
Text[17]=["","A type of Annuity that defers payments of income or a lump sum until maturity or until the Contract Owner elects to receive them."]
Text[18]=["","A Split Annuity is a combination of two separate Annuity contracts, one Immediate and one Deferred. The Immediate Annuity provides tax-advantaged income while the Deferred builds value."]
Text[19]=["","Income Taxes on credited interest or Index Credits need not be paid until funds are withdrawn from the Annuity."]
Text[20]=["","The person or entity who purchases the Annuity and has rights to the contract. This person names the Annuitant and the Beneficiary, and may exercise the provisions of the Annuity contract."]
Text[21]=["","The recipient of an Annuity's value on the death of the Contract Owner."]
Text[22]=["","The time period when an Annuity earns and accumulates interest. This time period runs from the date of purchase to the time when the annuity matures, is surrendered or enters the Payout Phase."]
Text[23]=["","The person or persons on whose life or lives the Annuity is based, primarily for the purpose of Annuitization. The Contract Owner decides who the Annuitant will be. The Contract Owner and Annuitant are often the same person."]
Text[24]=["","A type of withdrawal penalty that reduces the Account Value when funds are removed from the Annuity during the Surrender Charge Period."]
Text[25]=["","Index Credits are earnings calculated based on the performance of market indexes, such as the Standard & Poors 500. Index Credits are comparable to interest, but are called Index Credits in order to clarify that they're calculated based on the performance of a market index, rather than a fixed rate of return."]
Text[26]=["","An Annuity whose earnings are tied to the performance of a market index or indexes (e.g., the Standard & Poors 500. Fixed Index Annuities are intended for the Accumulation Phase of retirement savings. The term FIA is sometimes used interchangeably with Equity Index Annuity, but that's not accurate since FIAs may be tied to indexes other than stock market indexes. Also known as an Index Annuity."]
Text[27]=["","A type of Annuity in which guarantees are limited, investment decisions are made by the Contract Owner, and loss of Principal is a risk."]
Text[28]=["","An adjustment (positive or negative) that is applied when an account is liquidated early. It is designed to share some of the investment risk associated with the annuity between the contract holder and the company. The way an MVA works is simple. If you make an early liquidation of an annuity that has an MVA, you may have a higher or lower value at the time money is withdrawn. Generally, if interest rates in the market are higher than when you purchased your annuity, the adjustment may cause your value to be lower. Similarly, if interest rates in the market are lower than when you invested in your annuity, the value may be higher than it would be without the MVA."]


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