About Fidelity Annuities

Many annuities in the market today are complicated and expensive. Today, Fidelity Investments Life Insurance Company¹ is helping to change the reputation of annuities by offering products that are streamlined, low cost, and easy to understand. The chart below compares Fidelity annuities with other annuities. It shows the potential advantages of Fidelity's annuity offerings.


Fidelity Annuities	Other Annuities
Inexpensive—lower costs² allow you to keep more of the assets (keep in mind, Fidelity tax-deferred variable annuities do not come with a guaranteed minimum death benefit)	May be more expensive—high costs can erode the benefit of tax deferral
Easy-to-understand, transparent value	May be complicated—may include confusing product "riders" and/or options
Great value—streamlined products mean more money is invested	May not be value driven—insurance options can drive cost up and may not be best suited for you
Quick and easy to open—just one phone call	May require a long process to open
Includes many 4- and 5-star fund options,³ and easy, single-fund actively managed solutions
Exceptional service, tools, and guidance to help achieve what is best for you

To help find one that fits your needs, you can compare Fidelity annuities, learn about the different advantages and considerations, and discover how our annuities may resemble other familiar products. You can get started now by calling us at 1-800-345-1388.

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.

Principal value, income payments, and investment returns of a variable annuity will fluctuate and you may have a gain or loss when money is received or withdrawn.

Fidelity annuities are issued by Fidelity Investments Life Insurance Company, and in New York, by Empire Fidelity Investments Life Insurance Company^®, New York, N.Y. The contract's financial guarantees are solely the responsibility of the issuing insurance company. Fidelity Brokerage Services, Member NYSE, SIPC, and Fidelity Insurance Agency, Inc. are the distributors.
Fidelity Personal Retirement Annuity's and Fidelity Freedom Lifetime Income's annual annuity charges are inexpensive in comparison to the average annual annuity charges within each of their peer groups, according to Morningstar data as of 6/30/09. Underlying fund fees also apply.
Morningstar ratings are based on a fund's risk-adjusted returns. The top 10% of funds in each broad asset class receive 5 stars, the next 22.5% receive 4 stars, the next 35% receive 3 stars, the next 22.5% receive 2 stars, and the bottom 10% receive 1 star. Past performance is no guarantee of future results.