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Annuities and Insurance |

The Basics

Dreyfus¹ offers four types of insurance products to help you reach your goals:

Variable annuities² can provide you with after-tax returns greater than the rate of inflation over time. Variable annuities can complement your retirement holdings by providing additional growth potential, tax deferral and guaranteed income for as long as you live.³

Fixed annuities provide principal protection during periods of market volatility while offering competitive guaranteed² interest rates on your initial premium.

Immediate annuities ensure that you'll have an income for as long as you live.³

Single payment whole life insurance is also tax deferred⁵ and can be an efficient asset transfer vehicle that maximizes estate value while deferring income taxes on the growth of the single payment. Unlike traditional life insurance, the investor makes just one payment which buys a guaranteed death benefit that is guaranteed to be greater than the single payment.³

Questions? Call 1-800-896-2645 today to find out more information on any of the annuity and insurance products made available by Dreyfus.

Most annuities have a tax-deferred feature. So do many retirement plans under the Internal Revenue Code. As a result, when you use an annuity to fund a retirement plan that is tax-deferred, your annuity will not provide any necessary or additional tax deferral for that retirement plan. But annuities do have features other than tax deferral that may help you reach your retirement goals. You should consult your tax advisor prior to making a purchase for an explanation of the tax implications to you.

Annuities are not short-term liquid investments. Upon withdrawal, the amounts available to you may be worth more or less than the original amount invested. Consult a tax advisor regarding annuity taxation as it applies to your circumstances.

Please be aware that tax laws may change which may impact the tax treatment of annuities. Consult your tax advisor for more information and details applicable to your situation. Withdrawals are subject to income tax. In addition, withdrawals made before age 59½ are generally subject to an additional 10% early withdrawal federal tax penalty.

1. Dreyfus refers to Dreyfus Service Organization, Inc., a licensed insurance agency.

2. Variable annuities are complex investment vehicles. Before you invest, be sure to ask your sales representative about the variable annuity's features, benefits, risks and fees, and whether the variable annuity is appropriate for you based on your financial situation and objectives. There is risk involved in investing in variable annuities, including possible loss of principal invested.

3. Guarantees are based on the claims-paying ability of the issuing insurance company.