America’s marketFLEX® II
Variable Annuity
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America’s marketFLEX® II
Variable Annuity

Determining your investment mix.

A guide to non-traditional asset classes and alternative strategies.


Annuities are long-term, tax-deferred investments designed for retirement and may fluctuate in value. They’re a contract between you and an insurance company that allows you to create a fixed or variable stream of income through a process called annuitization. They also provide a variable rate of return based on the performance of the underlying investments.

What features do variable annuities offer?

Lifetime income

A stream of income you can’t outlive; accessed either through annuitization or systematic withdrawals

Death benefits

The payment that the annuitant’s beneficiaries or estate receives when the annuitant dies

Tax deferral

The potential for your investment to accumulate faster than taxable investments because you don’t pay taxes on gains until you take a withdrawal

Investment choices

Access to a wide range of professionally managed investment options only available with annuities

What limitations do annuities have?

If you decide to take your money out early, you may face fees called surrender charges. If you’re not yet 59½, you may also have to pay an additional 10% tax penalty on top of ordinary income taxes. If a death benefit is available and you take an early withdrawal, the amount of your death benefit and the contract value will be reduced.

You should also know annuities contain guarantees and protections that are subject to the issuing insurance company’s ability to pay for them. But these guarantees don’t apply to the performance of the underlying investment options, which are subject to investment risk, including possible loss of your principal.

How much do annuities cost?

Because of the unique features your annuity can contain, the fees and charges will vary. They may include mortality and expense, administrative fees, contract fees and the expense of your investment options. You can get more specific information about fees from your advisor.

Investing with America’s marketFLEX® II variable annuity.

Understanding alternative investing
Using correlation to broaden your investment mix
Non-traditional Asset Classes
Alternative Strategies

Reaching your retirement goals takes a balanced mix.

Ongoing dips and turns in the stock market have many investors looking for ways to help lessen the impact volatility can have on their portfolios. Finding the right mix between risk and return is key to successful portfolio construction. As a result, many investors are turning to alternative investing as part of their core investment strategy.

With America’s marketFLEX® II variable annuity, we’ve made alternative investing simpler for you by providing access to over 150 funds that include traditional investments, non-traditional asset classes and alternative strategies, as well as diversified asset allocation options.

Before investing, please remember that investing in alternative asset classes involves special risk and may not be suitable for every investor.

America’s marketFLEX® II Variable Annuity

Take a look.

In this guide, we’ll take a closer look at some of the alternative investing choices available to you within America’s marketFLEX II, and provide:

A definition of each investment category

Reasons you may want to incorporate an investment categories into your portfolio

Ways to access different asset classes and strategies within America’s marketFLEX II

Specific risks and considerations associated with each investment category