Annuities

• Variable Annuities
  Inflation Protector VA (Except NY)
  Inflation Protector VA (NY Only)
  Pennant Select VA
  PennFreedom VA
  Enhanced Credit VA
  Retirement Planner VA
  
  
• Living Benefit Riders*
  Growth & Income Advantage
  Growth & Income Protector
  Guaranteed Minimum Accumulation Benefit

*Refer to the appropriate variable annuity brochure listed above for complete product information.  Further information can be found within the product and underlying investment option prospectuses.  Investors should consider the investment objectives, risks, charges, and expenses of a variable annuity product carefully before investing. Please carefully read the prospectuses for the relevant variable annuity product and its underlying investment options, which contain this and other information about the product.

• Optional Death Benefit Riders
  Step-Up Plus
  Rising Floor Plus
  Estate Enhancement
  
  
• Fixed Annuities
  Flexible Premium Fixed Deferred Annuity

• Individual Immediate Annuity
  Single Premium Immediate Annuity (SPIA)