P-1 Separate Account B AFAdvantage VA May 1, 2011 Prospectus Variable Annuity Prospectus: Fill out & sign online

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How does Fidelity 403b work?

How does a 403(b) plan work? If your employer offers a 403(b), you can put part of each paycheck into a retirement account and invest it. The money is yours, so you keep it even if you change jobs.

What are the disadvantages of a 403b?

Drawbacks of a 403(b) plan While this is no longer the case, this type of account offers more limited investment options than a 401(k) or an IRA. High fees: Some 403(b)s charge higher fees that can eat into your profits, although this isnt true of all of them.

Which type of annuity are the funds invested in a separate account?

Variable Annuities A variable annuity offers a range of investment or funding options. During the accumulation period of a variable annuity, the insurance company puts your premiums, less any applicable charges, into a separate account.

What is the difference between a 401k and a 403b?

401(k) plans can be offered by for-profit companies to their employees. 403(b) plans are offered to employees of non-profit organizations and government entities. Participants in either type of plan contribute pre-tax or post-tax money through regular payroll deductions. The employer may also choose to contribute.

Do all annuities have a prospectus?

If you buy a variable annuity, youll receive a prospectus that includes detailed information about investment objectives, risks, charges, and expenses. Illustration: A personalized document that shows how your annuity features might work.

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