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BUYER'S GUIDE TO FIXED DEFERRED ANNUITIES Prepared by the National Association Of Insurance Commissioners The National Association of Insurance Commissioners is an association of state insurance regulatory officials. This association helps the various insurance departments to coordinate insurance laws for the benefit of all consumers. This guide does not endorse any company or policy. It is important that you understand the differences among various annuities so you can choose the kind that best fits your needs. This guide focuses on fixed - deferred annuity contracts. There is, however, a brief description of variable annuities. If you're thinking of buying an equity-indexed annuity, an appendix to this guide will give you specific information. This Guide isn't meant to offer legal, financial or tax advice. You may want to consult independent advisors. At the end of this Guide are questions you should ask your agent or the company. Make sure you're satisfied with the answers before you buy. Jeff McLeod www.happyretiree.com 1-800-286-1812