With a fixed annuity the issuer guarantees your principal investment, and the income grows tax-deferred. Usually a minimum lump sum investment is made, however, some plans do allow additional deposits. Guarantees are subject to the claims paying ability of the underlying insurance companies.

What a "fixed" annuity can mean to you:

• safety of your investment, with the principal guaranteed by the issuer, (guarantees are subject to the claims paying ability of the underlying insurance companies)
• competitive current interest rates on a fixed interest account
• special contract features, (i.e. some contracts allow you to withdraw a percentage each year without a contract withdrawal charge),however, withdrawals prior to 59 1/2 may be subject to a 10% IRS penalty
• a wide range of pay out options. Some of which may be tax-favored, as a portion of the payments include return of your principal,
• tax deferral for individuals
• avoidance of probate (generally) when a beneficiary is named.

Know what you are buying and what you should look for.

• Some fixed annuities may have a front-end acquisition fee, where others may not.
• Contract withdrawal charges are customary, either for a specified period or over the life of the contract. However, there are varying exceptions.
• Unless there is a qualified exception, a 10% tax penalty applies to withdrawals prior to age 59 1/2.
  · Every company has their own policies, so be certain to review all documents carefully for charges, fees, and any rules regarding access to your funds.
• Be certain to know the company whose product you are considering before you buy. Know their investment strategies and financial track record.
• Make certain the product that you are purchasing fits your individual financial needs and expectations.

Companies represented by MEA Financial Services, Inc./Paradigm Equities, Inc. for after-tax annuities include:

• Lincoln National Life Insurance Company/American Legacy


• ING USA