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Guarantees are backed by the financial strength and claims-paying ability of the issuing insurance company and do not protect the value of the variable investment options, which are subject to market risk.

1听Boston College Center for Retirement Research, 鈥淎verage Retirement Age: An Update鈥
2 Boston College Center for Retirement Research, 鈥淎verage Years in Retirement, Men鈥
3 Kiplinger 鈥淲ill You Really Need to Replace 80% of Your Pretirement Paycheck?"
4 Fidelity, "Health Care Price Check"聽
5 Economic Policy Institute, 鈥淭he State of American Retirement Savings鈥
6 World Economic Forum, 鈥淩etirees will outlive their savings by a decade鈥
7 Motley Fool, 鈥淭hink Social Security Will Cover Most of Your Retirement Expenses? Think Again鈥
8 Social Security Administration

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