Save more for retirement.
Tax efficiently
Cost effectively
The low-cost, tax-deferred* variable annuity—at Fidelity
The Fidelity Personal Retirement Annuity® 1
;; Low annual annuity costs: among the lowest 1% 2
;; No surrender period or fees
;; No complex options or riders
;; No guaranteed minimum death benefit
;; Includes many funds rated highly by Morningstar3
Be more confident about your retirement. Talk with an Annuity Specialist today,
or use our online Annuity Cost Comparison Quick Check Calculator.
Talk with an Annuity Specialist today
866.616.0260 | Fidelity.com/savemore
Withdrawals 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.
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.
1 Fidelity 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.
2 According to Morningstar, Inc., Fidelity Personal Retirement Annuity’s annual annuity charge of 0.25% is among the lowest 1% compared to the industry average of 1.37% for
non-group open variable annuity contracts as of 3/31/10. 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.
3 Morningstar ratings are based on a fund’s risk-adjusted returns. Past performance is no guarantee of future results.
Fidelity Annuity Specialists are licensed insurance agents.
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
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.
© 2011 FMR LLC. All rights reserved. 559768.2.0
