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Variable Annuities

Variable Annuities
A key to helping provide a secure financial future is to develop an investment portfolio that provides you with after-tax returns greater than the rate of inflation over time. Variable annuities may be a reasonable choice for helping you meet these goals. A variable annuity is an insurance contract issued by an insurance company which can help you accumulate assets on a tax-deferred¹ basis for retirement or other long-range goals. Variable annuities offer a choice of stock and bond sub-accounts, as well as a choice of fixed accounts in some cases.

If you are looking for a long-term financial solution with a multitude of investment choices, tax deferral¹ and protection against the possibility of outliving your resources, consider a variable annuity.

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

There is risk involved in investing in a variable annuity, including possible loss of principal.

1. 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.

Before purchasing a variable annuity, you should carefully consider its investment options' objectives, and the risks, charges and expenses associated with the annuity and its investment options. For this and other information, call Dreyfus at 1-800-896-2645 for a free prospectus or view one online. Read it carefully before you invest.

Of course withdrawals or distributions may be subject to withdrawal charges and, if made prior to age 59½, a 10% federal tax penalty. Earnings are taxable upon withdrawal as ordinary income, not capital gains. You should consult your tax advisor for details applicable to your particular situation.