About Annuities

PFS Investments offers four kinds of annuities products: variable annuities, index-linked variable annuities, fixed annuities, and fixed indexed annunities:

• Variable annuities are long-term contracts between an individual and an insurance company. Variable annuities contain both investment and insurance features and are designed specifically for retirement.

• Index-linked variable annuities track the rise and fall of the share prices of stocks included in an index, such as the S&P 500, but do not include dividends paid by those stocks.

• Fixed annuities are long-term contracts between an individual and an insurance company. Fixed annuities provide a fixed rate of return that is guaranteed by the issuing company.

• A fixed indexed annuity is a long-term contract between an individual and an insurance company. Fixed index annuities provide a higher rate of return than a fixed annuity, but the return is not guaranteed.

PFS Investments' Annuity Providers:

• Lincoln Financial

• Brighthouse Financial

• Equitable

• Corebridge Financial

In the U.S., securities offered by PFS Investments Inc. (PFSI), 1 Primerica Parkway, Duluth, GA 30099. PFSI is a registered broker-dealer and investment adviser with the SEC and is a member of FINRA. Primerica Inc. and PFSI are affiliated. The product providers referenced here offer products by contractual relationship with PFS Investments Inc, a subsidiary of Primerica Inc. They are not affiliated with Primerica Inc. or PFS Investments, Inc.