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American Funds

Franklin Templeton

Oppenheimer

Pacific Life

Pershing

Pacific Life

 

Investors should consider the investment objectives, risks and charges and expenses of the fund carefully before investing.  Investing in mutual funds is subject to risk and potential loss of principal.  There is no assurance or certainty that any investment or strategy will be successful in meeting its objectives.  The prospectus contains this and other information about the funds.  Contact the fund companies directly or First Neighbor Insurance & Investments at (217) 932-4048 to obtain a prospectus which should be read carefully before investing or sending money.

There is a surrender charge imposed generally during the first 5 to 7 years that you own an annuity contract.  The guarantee of the annuity is backed by the financial strength of the underlying insurance company.  Investment sub-account value will fluctuate with changing market conditions.  Investors should consider the investment objectives of the variable annuity carefully before investing.  An investment in a variable annuity involves investment risk, including possible loss of principal.  Variable annuities are designed for long-term investing.  The contract, when redeemed, may be worth more or less than the total amount invested.  Variable annuities are subject to insurance related charges including morality and expense charges, administrative fees, and the expenses associated with the underlying funds.  The prospectus contains this and all other information about the variable annuity.  Contact the annuity company directly or First Neighbor Insurance & Investments at (217) 932-4048 to obtain a prospectus, which should be read carefully before investing or sending money.

Withdrawals from an IRA prior to age 59 ½ may result in a 10% IRS tax penalty, in addition to any ordinary income tax.