Factors to consider
A number of factors must be considered in deciding if a Traditional IRA or Roth IRA is
more advantageous for you. Some factors are:
How long will funds remain in your Roth IRA before being withdrawn?
What tax rate will apply to you when withdrawals are made?
Will the federal government change tax rates in the future?
What is the amount of the tax on a conversion of a Traditional IRA and the source from
which it is paid?
Download a contract prospectus and Underlying Funds prospectuses now, or request them by mail or telephone. The prospectuses contain more complete information on investment objectives, risks, charges and expenses, which include Separate Account and portfolio company expenses, and an annual contract fee, which should be considered carefully before investing. Please read the contract prospectus and the Underlying Funds prospectuses carefully before you invest.
