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Investors should carefully consider a fund's investment objectives, risks, charges and expenses before investing. This and other important information is included in the fund's prospectus, and if available, the summary prospectus, which should be read carefully before investing. You can review fund prospectuses, and if available, the summary prospectuses, on merrilledge.com or request one by calling the Investment Center at 1.877.653.4732.
All annuity contract and rider guarantees, including optional benefits and any fixed subaccount crediting rates or annuity payout rates, are backed by the claims-paying ability of the issuing insurance company. All guarantees and benefits of the insurance policy are backed by the claims-paying ability of the issuing insurance company. They are not backed by Merrill Lynch or its affiliates, nor do Merrill Lynch or its affiliates make any representations or guarantees regarding the claims-paying ability of the issuing insurance company.
Please remember there's always the potential of losing money when investing in securities.