Like 401(k) plans and IRAs, annuities offer you the opportunity to accumulate assets for your retirement on a tax-deferred basis. Unlike 401(k) plans and IRAs, however, annuities enable you to:

• Contribute as much as you wish, generally without limitation (insurance company maximums may apply)
• Receive payments at retirement that are guaranteed by your insurance company to last as long as you live¹
• Take advantage of other insurance company guarantees that vary according to the annuity you buy, but may include a death benefit and minimum income stream²

Annuities are contracts between you and an insurance company. In return for your purchase, you are assured of receiving a stream of payments in the future. Your UBS Financial Advisor can help you evaluate which type of annuities might make the most sense for you:

• Fixed rate annuities that offer a fixed interest rate for a specified period of time
• Variable annuities that offer the opportunity to participate in professionally managed securities sub-accounts
• Immediate annuities for individuals who need income right away or at least shortly after they purchase their annuity contract.

UBS offers a wide variety of annuities with various combinations of features and other benefits. We perform extensive due diligence on select third party insurance companies to select products that meet our criteria. If you're concerned about the cost of a retirement that may last 20 to 30 years and you're already contributing the maximum to a 401(k) or other retirement plan at work and/or an IRA, then talk to your Financial Advisor about annuities.





1. Guarantees are based upon the claims-paying ability of the issuer and do not apply to the investment sub-accounts in variable annuities, which will fluctuate daily.
2. Death benefit is only during the annuities' accumulation period.
Neither UBS Financial Services Inc. nor its employees or agents provide tax or legal advice. You must consult your tax and legal advisors regarding your personal circumstances.