Before investing, consider the investment objectives, risks, charges, and expenses of the annuity and its investment options. Contact Fidelity for a prospectus or, if available, a summary prospectus containing this information. Read it carefully.
Investing in a variable annuity involves risk of loss - investment returns and contract value are not guaranteed and will fluctuate.
Fidelity Personal Retirement Annuity (Policy Form No. DVA-2005, et al.) is issued by Fidelity Investments Life Insurance Company ("FILI") and, for New York residents, Personal Retirement Annuity (Policy Form No. EDVA-2005, et al.) is issued by Empire Fidelity Investments Life Insurance Company® (EFILI), New York, N.Y. FILI is licensed in all states except New York; EFILI is licensed only in New York. Fidelity Insurance Agency, Inc. and Fidelity Brokerage Services, Member NYSE, , are the distributors. A contract's financial guarantees are subject to the claims-paying ability of the issuing insurance company.
Fidelity does not provide legal or tax advice. The information herein is general in nature and should not be considered legal or tax advice. Consult an attorney or tax professional regarding your specific situation.
Clients are eligible for an annual fee of 0.10% if (1) the contract is purchased with an initial purchase payment of $1,000,000 or more on or after September 7, 2010, or (2) the contract value has accumulated to $1,000,000 or more on or after September 7, 2010, and at that time we are o.ering the contract to new applicants for 0.10%. See prospectus for additional details.
Withdrawals of taxable amounts are subject to ordinary income tax rates (plus any Medicare surtax, and state and local taxes), and if taken before age 59½, may be subject to a 10% IRS penalty.
Variable annuities have fees not found in taxable accounts, that will impact returns.
Fidelity Brokerage Services LLC, Member NYSE, SIPC, 900 Salem Street, Smithfield, RI 02917
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