Variable Annuities*

Variable Annuities not only offer protection in retirement, but potential appreciation while working toward that day. It's a long term investment product that allows your investment to grow in value in market-based investment options and offers you a guaranteed income stream when annuitized in retirement.

A variable annuity offers you:

• Investment options that fit your risk comfort level and adjustable to your needs and objectives as they change
• The benefit of potential tax deferred growth on account values (withdrawals or surrenders may be subject to tax and if under 59½ may include additional tax penalties)
• Optional Guaranteed Death Benefits and other riders (additional charges may apply)

Variable annuities are long term investments that offer the potential of market-based investment options to grow the account value with tax-deferred accumulation. The end result can be a nest egg with a guaranteed income you can depend on when annuitized.

The income payments are guaranteed by the insurance company, but subject to the claims paying ability of the insurance company.

Contact a Farmers Insurance and Financial Services Agent today to help you develop a strategy that meets your individual goals and objectives.

Investments are not FDIC-insured, nor are they deposits of or guaranteed by a bank or any other entity, so investors may lose money including lose of principal invested. Purchasers of variable insurance contracts should consider investment objectives, risks, charges and expenses of the investments or the underlying investment options of the variable insurance contracts carefully before investing or purchasing. The prospectuses contain this and other important information. Please contact your Farmers Insurance and Financial Services Agent for prospectuses and read them carefully before selecting your investments or underlying insurance investment options.

Past performance of any investment does not guarantee future results; investment returns will fluctuate so that an owner's shares, when redeemed, may be worth more or less than their original cost. Performance of variable insurance contracts will also be affected by annual mortality and administrative expenses and is subject to a declining deferred surrender charge.

Withdrawals and/or other distributions of the taxable amounts, including death benefits, may be subject to ordinary income tax. If withdrawals and/or other distributions are taken prior to age 59½ a 10% federal tax penalty may apply. Please consult your tax preparer or CPA. A withdrawal charge also may apply. Withdrawals may reduce the value of the death benefit and any optional benefits.