Variable Annuities


You should now have enough information to have an idea about whether a variable annuity may be an investment choice that you should consider. Remember to review some of the main points that have been covered here as you move on to the next step: tax-deferral, long-term investing, comfort with risk and decision-making, growth potential before and/or after retirement, and other alternatives for your money. Work with your financial professional to reach the best decision for you—but remember, the most important thing is to save and to do so in a regular, disciplined manner.

IMPORTANT NOTE: Variable annuities are intended for long-term retirement planning goals/purposes. Variable annuities are subject to investment risk, including the possible loss of the principal amount invested, and will fluctuate in value. Your heirs may receive more or less than you paid when you redeem your units. For complete information on variable annuities, including all charges and expenses, please request a prospectus from your investment professional. Variable Annuities are not FDIC insured, may lose value, and offer no bank guarantee.

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Securities and advisory services are offered through LPL Financial (LPL), a registered investment advisor and broker-dealer (member FINRA/SIPC. Insurance products are offered through LPL or its licensed affiliates. Premier America Credit Union and Premier America Investment & Retirement Services are not registered as a broker-dealer or investment advisor. Registered representatives of LPL offer products and services using Premier America Investment & Retirement Services, and may also be employees of Premier America Credit Union. These products and services are being offered through LPL or its affiliates, which are separate entities from, and not affiliates of Premier America Credit Union or Premier America Investment & Retirement Services. CA Insurance License #0759204, TX Insurance License#1643255.

Securities and insurance offered through LPL or its affiliates are:

Not Insured by NCUA or Any Other Government Agency Not Credit Union Guarantee Not Credit Union Deposits or Obligations May Lose Value