Tax Ef ficient
Save tax deferred for retirement. 1
Fidelity Personal Retirement Annuity® 2 t r na t
Why choose our deferred variable annuity?
• Pay no taxes on earnings until withdrawn.
• Our low costs3 help keep more of your money
working for you.
• Choose among diversified investment
options — with our help.
Visit Investor Centers located nationwide
1Withdrawals of taxable amounts from an annuity are subject to ordinary income tax, and, if taken before age 59½, may be subject to a 10% IRS penalty.
2Fidelity Personal Retirement Annuity (Policy Form No. DVA-2005, et al.) and, for New York residents, Personal Retirement Annuity (Policy Form No.
EDVA-2005, et al.). Fidelity Brokerage Services, Member NYSE, SIPC, and Fidelity Insurance Agency, Inc., are the distributors.
3 The annual annuity charge is 0.25%. Contracts purchased with an initial purchase payment of $1 million or more will qualify for a reduced annual annuity
charge of 0.10% (the initial purchase payment is the amount applied to the contract on the contract date). Underlying fund fees also apply.
The tax information contained herein is general in nature, is provided for informational purposes only, and should not be construed as legal or tax
advice. Fidelity does not provide legal or tax advice. Always consult an attorney or tax professional regarding your specific legal or tax situation.
Annuities are subject to investment risk. Your principal value may decline.
Before investing, consider the investment objectives, risks, charges, and expenses of the annuity
and its investment options. Call or write to Fidelity or visit Fidelity.com for a free prospectus
and, if available, summary prospectus containing this information. Read it carefully.
Fidelity insurance products are issued by Fidelity Investments Life Insurance Company (FILI)
and, in New York, by Empire Fidelity Investments Life Insurance Company,® New York, N.Y.
FILI is licensed in all states except New York. The contract’s financial guarantees are solely the
responsibility of the issuing insurance company.
© 2010 FMR LLC. All rights reserved.
Member of Insurance Marketplace Standards Association (IMSA) 530612.3.0