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Annuities are contracts with insurance companies designed to meet retirement and other long-range goals. Investors make lump-sum payments or a series of payments, and receive periodic payments from the insurance company in return.

Frequently used for retirement planning, annuities provide for tax deferred growth during the accumulation phase, then periodic income payments over time during the annuitization or payout phase. You decide how long you want to invest your funds, then you decide the frequency and for how long you want to receive your income payments. Income payment can be received for as short as three years, or last a lifetime, and can be paid as frequently as monthly.

Feature and Benefits

Can be tailored to your risk tolerance and your need for income now versus in the future
May be arranged to provide income and benefits for your loved ones
All annuities are subject to the claims paying ability of the issuing insurance company

Pricing and Fees

For customized pricing and fee information, please contact a PNC Investments professional.

Types of Annuities

Some types refer to when annuity payments begin, such as immediate (income producing now) or deferred (income producing later).Other types are based on how the annuity funds are invested and how payments are determined, such as are fixed, indexed and variable.

Immediate	Generally appeals to those looking to generate immediate income Once the income starts, it continues for life or a specified period of time Single premium Specified interest rate for the duration of the payout period
Fixed-Deferred	Generally for conservative investors looking to supplement their retirement income, provide income for a spouse or heirs, or bridge an income gap Single or flexible premiums Principal grows tax deferred Fixed crediting rate determined by insurance company Death benefit paid tax-free to beneficiaries during cash accumulation phase Cash value available for withdrawal if needed (may be subject to surrender charges)
Indexed	Generally for conservative to moderate investors with limited upside potential and no direct market exposure Crediting rate based on market movement of an underlying equity index Offers single or flexible premium options Downside protection in the event of market decline Death benefit payable to beneficiaries income tax free during accumulation phase For an additional cost, optional income riders allow for income generation without depleting principal
Variable	Generally for moderate to aggressive investors looking for tax-deferred market exposure, in order to maximize income potential in retirement, or provide income for a spouse or heirs Provides a (deferred) income stream, enables potential higher returns over time, and keeps pace with inflation Unlimited growth potential, unlimited downside risk Single or flexible premiums Death benefit paid tax-free to beneficiaries during cash accumulation phase Cash value available for withdrawal if needed (may be subject to surrender charges) For an additional cost, optional income riders allow for income generation without depleting principal

Documents and Articles

Focus on the Road Ahead With a Flexible Financial Plan

Unless otherwise noted, the following Related Resources are provided by affiliates of PNC Investments.

Ways to Get Started

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Important Information and Disclosures

This material is meant to educate and not to provide legal, tax, accounting or investment advice. PNC Investments and its affiliates and vendors do not provide legal, tax or accounting advice.

Important Investor Information: Brokerage and insurance products are:

Not FDIC Insured • Not Bank Guaranteed • Not A Deposit
Not Insured By Any Federal Government Agency • May Lose Value

Securities products, brokerage services and managed account advisory services are provided by PNC Investments LLC, a registered broker-dealer and a registered investment adviser and member FINRA, and SIPC. Annuities and other insurance products are offered through PNC Insurance Services LLC, a licensed insurance agency.

This material does not constitute an offer or solicitation in any jurisdiction where or to any person to whom it would be unauthorized or unlawful to do so.

PNC Investments does not guarantee the performance of any investment. Investing results may vary. Investments may lose money. Diversification and asset allocation may not prevent a loss of investment.

PNC Investments LLC, PNC Insurance Services, LLC and PNC Bank, National Association are each affiliated with The PNC Financial Services Group, Inc.

Bank deposit products and services provided by PNC Bank, National Association. Member FDIC.

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Annuities

Annuities are contracts with insurance companies designed to meet retirement and other long-range goals. Investors make lump-sum payments or a series of payments, and receive periodic payments from the insurance company in return.

Feature and Benefits

Pricing and Fees

Types of Annuities

Some types refer to when annuity payments begin, such as immediate (income producing now) or deferred (income producing later).Other types are based on how the annuity funds are invested and how payments are determined, such as are fixed, indexed and variable.

Documents and Articles

Unless otherwise noted, the following Related Resources are provided by affiliates of PNC Investments.

Ways to Get Started

855-PNC-INVEST

Need Help?

Important Information and Disclosures

GET IN TOUCH

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To get the most of this PNC experience, we recommend upgrading your browser.

Annuities

Annuities are contracts with insurance companies designed to meet retirement and other long-range goals. Investors make lump-sum payments or a series of payments, and receive periodic payments from the insurance company in return.

Feature and Benefits

Pricing and Fees

Types of Annuities

Some types refer to when annuity payments begin, such as immediate (income producing now) or deferred (income producing later).Other types are based on how the annuity funds are invested and how payments are determined, such as are fixed, indexed and variable.

Documents and Articles

Unless otherwise noted, the following Related Resources are provided by affiliates of PNC Investments.

Ways to Get Started

855-PNC-INVEST

Need Help?

Related Resources

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Important Information and Disclosures

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