Insurance and annuities can be an important component of your advisor practice and a
cornerstone of your clients’ risk management strategies. That’s why we offer a broad
range of products from many of the industry’s leading providers.
Annuities can address your clients’ needs for retirement income. We offer a variety of
fixed and variable annuity options that allow your clients to accumulate money for their
retirement and/or turn a lump sum of money into a guaranteed stream of income.
Life Insurance provides a protective cushion through a valuable
death benefit. Available life insurance products include term life, whole life, variable
and variable universal life and group life.
Long-term Care Insurance provides valuable support and financial
resources that help cover the cost of long-term care in the event of an illness,
accident, or through the normal effects of aging.
Disability Income Insurance provides monthly income to help maintain
standard of living and offers the ability to retain independence and dignity without
Health Insurance provides coverage for medical, prescription drug
and dental expenses. We offer a variety of plans for individuals
as well as Medicare supplement plans.
Investors should carefully consider the investment objectives, risks, charges and expenses
of a variable life insurance policy and variable insurance contract, along with
the underlying investments, before investing.
For a prospectus containing this and other information for any variable insurance
product, contact the appropriate provider. Please read the prospectuses carefully
Variable annuities are suitable for long-term investing, particularly for retirement.
All guarantees are contingent on the claims-paying ability of the issuing insurance
company. Variable and fixed annuities may charge for separate account management
fees and additional insurance costs, such as mortality and expense fees. Annuities
have surrender charges for withdrawals in the early years and a 10 percent tax penalty
for withdrawals prior to age 59 1/2.
Waddell & Reed offers insurance products through arrangements with outside insurance companies.