*money.usnews.com, "How to Find A Financial Advisor if You're Not Rich," viewed January 13, 2016.
Investors should carefully consider the investment objectives, risks, charges, fees and expenses of any mutual fund before investing. This and other important information can be found in the fund prospectus and or summary prospectus, which may be obtained through your financial advisor or by calling the fund or by visiting the fund’s website. Please read each fund’s prospectus carefully before investing.
Diversification does not guarantee a profit or protect against loss.
Investments in annuities are not FDIC insured or bank-guaranteed and may lose value. Guarantees offered in fixed annuities are subject to the claims paying ability of the issuing insurance company.
Variable annuities are sold through PFS investments Inc. and are subject to market risk, including the possible loss of principal.
Variable annuities are sold by prospectus only.
All investments are subject to risk, including the loss of principal. It is important to remember that there are risks inherent in any investment and that there is no assurance that any money manager, mutual fund, asset class, style or index will provide positive performance over time. Investing in mutual funds entails risk, including loss of principal. Shares, when redeemed may be worth more or less than their original value.
Prospectuses for variable products issued by a MetLife insurance company, and for the investment portfolios offered thereunder, are available from your Registered Representative. The contract prospectuses contains information about the contract's features, risks, charges and expenses. Investors should consider the investment objectives, risks, charges and expenses of the investment company carefully before investing. The investment objectives, risk and policies of the investment options, as well as other information about the investment options, are described in their respective prospectuses. Please read the prospectuses and consider this information carefully before investing. Product availability and features may vary by state. Please refer to the contract prospectus for more complete details regarding the living and death benefits.
There is no guarantee that any of the variable investment options of a variable annuity will meet their stated goals or objectives. The account value is subject to market fluctuations so that, when withdrawn, it may be worth more or less than its original value. Please contact a Registered Representative for complete details. Variable annuities are long-term investment vehicles designed for retirement purposes. Withdrawals of taxable amounts are subject to ordinary income tax and if made before age 59 1/2, may be subject to a 10% Federal income tax penalty. Withdrawals will reduce the living and death benefits and account value. Withdrawals during the first eight years of the contract may be subject to surrender charges. See the contract prospectus for more information.
Primerica and PFS Investments Inc. are affiliated companies. For more information about PFS Investments Inc., please visit www.brokercheck.com.
Not all products/services available in all states.
In the United States, securities are offered by PFS Investments Inc., 1 Primerica Parkway, Duluth, Georgia 30099-0001.
Our minimum investment thresholds are among the lowest in the industry: $1,000 in voluntary accounts, $250 in IRA accounts or as little as $50 in any account if established with a monthly bank draft of $50 or more. To cover the cost of maintenance and tax reporting required by IRS regulations for retirement plan contributions and distributions, retirement plan accounts (IRAs, 403(b)7s, etc.) are charged an annual custodian fee of up to $50 per each unique Social Security Number. In addition, those accounts would be charged a termination fee of $30 at the point that all account positions are closed under the same Social Security Number.
PFS Investments Inc. (PFSI) is an SEC Registered Investment Adviser DBA Primerica Advisors. PFSI is a member of FINRA and SIPC. Lockwood Advisors, Inc. (Lockwood) is an SEC Registered Investment Adviser and an affiliate of Pershing LLC, each subsidiaries of The Bank of New York Mellon Corporation (BNY Mellon). Pershing LLC, member FINRA, NYSE, SIPC. SEC registration neither implies nor asserts the SEC or any state securities authority has approved or endorsed PFSI or Lockwood or the contents of this disclosure. In addition, SEC registration does not carry any official imprimatur or indication PFSI or Lockwood have attained a particular level of skill or ability.
All product guarantees are based on the claims-paying ability and financial strength of the issuing insurance company.
Please see important disclosures.