ANNUITIES

IMPORTANT INFORMATION

* A FIXED INDEX ANNUITY IS NOT A SECURITY and fixed index annuity policies are not an investment in the stock market or in the indexes. Index account interest is based, in part, on index performance. Past performance of an index is not an indication of future index performance. There is no guarantee that the index interest rate will be greater than zero percent. There is no guarantee that the Company will declare an interest rate greater than the guaranteed minimum effective interest rate.

IMPORTANT INFORMATION

All guarantees, including optional benefits, are based on the claims-paying ability of the issuing insurance company.

Living benefits are referred to as riders in the contract.

Withdrawals of taxable amounts are subject to ordinary income tax and may be subject to a 10% additional federal tax if withdrawn before age 59 1/2.

All policies, riders, and forms may vary by state and may not be available in all states. RGMB 37 0809, RGMB 38 0809, RGMB 37 0809 (IS)(FL), RGMB 38 0809 (IS)(FL), other versions also available, RGMB 37 1215 (AJ)(OR), RGMB 37 1215 (AS)(OR), RGMB 37 1215 (IJ)(OR), RGMB 37 1215 (IS)(OR), RGMB 38 1215 (AJ)(OR), RGMB 38 1215 (AS)(OR), RGMB 38 1215 (IJ)(OR), RGMB 38 1215 (IS)(OR); RGMB 37 0514R (IS)(NY), RGMB 37 0514R (AS)(NY), RGMB 37 0514R (IJ)(NY), RGMB 37 0514R (AJ)(NY), ICC12 RGMB410513(IS), ICC12 RGMB410513(IJ), RGMB 41 0111 (IS) (FL), RGMB 41 0111 (IJ) (FL), RGMB 41 0514R (IS)(NY), RGMB 41 0514R (IJ)(NY), ICC16 RGMB510616(IS), ICC16 RGMB510616(IJ), NIC16 RGMB510616(IS)(FL), NIC16 RGMB510616(IJ)(FL), NIC16 RGMB510616(IS)(NY), NIC16 RGMB510616(IJ)(NY), ICC14 FIA0214, NIC14 FIA0214(FL), ICC14 RGMB470214(IS), ICC14 RGMB470214(IJ), NIC14 RGMB470214 (IS)(FL), NIC14 RGMB470214 (IJ)(FL), ICC12 RTP170513, RTP 17 0103.