MassMutual RetireEaseSM

MetLife Income Annuity

NYL Guaranteed Lifetime Income Annuity II

NYL Guaranteed Period Income Annuity II**

Nationwide INCOME Promise SelectSM Annuity

Pacific Life Pacific Income

Provider®

Financial Strength*

A.M. Best A++ A+ A++ A+ A+

Minimum Premium $10,000 $5,000 $5,000 $10,000 $25,000

Maximum Premium1 $3 million2 $1 million $3 million $3 million $1 million

Maximum Issue Age3 90 years 90 years 95 years 95 years 90 years

Cost of Living Adjustment 1–4%4 2–4%5 1–10% 1–5% 2–4%

Income Options–Period Certain 5–50 years6 5–30 years 5–30 years 3–30 years 5–30 years

Income Options–Lifetime

Single Lifetime l l l l l

Joint Lifetime–100%, 75%, 66 2/3% or 50% benefits continuation to joint owner

l l l l l

Protection for Beneficiaries

Guarantee Period 5–30 years 5–30 years 5–30 years 3–30 years 5–30 years

Cash Refund l l l l l

Fixed income annuities available through Schwab

Schwab provides access to single premium immediate annuities (SPIAs), also known as fixed income annuities, from a selection of highly rated insurance companies chosen by Schwab. Determine the SPIA which offers the best payout based on your age and situation to meet your cash flow requirements.

Request annuity information by mail or visit your local Schwab branch. You can also call a Schwab Annuity Consultant at 888-311-4889.Guarantees are subject to the claims-paying ability and financial strength of the issuing insurance company (not Schwab).

*Currentpublishedfinancialstrengthratingsconfirmedasof2013.A.M.Bestratings:A++(“Superior”,highestratingof16);A+(“Superior”,2ndhighestof16);A(“Excellent”,3rdhighestof16).Ratingsaresubjecttochange.Whileratingscanbeobjectiveindicatorsofaninsurancecompany’sfinancialstrengthandcanprovidearelativemeasuretohelpselectamonginsurancecompanies,theyarenotguaranteesofthefuturefinancialstrengthand/orclaims-payingabilityofacompanyanddonotapplytoanyunderlyingvariableinvestmentoptions.

**LifetimeincomeoptionsonlyapplytotheNYLGuaranteedLifetimeIncomeAnnuityIIandnotavailableontheNYLGuaranteedPeriodIncomeAnnuity.1 Alargeramountmaybepurchaseduponcarrierapproval.2 MaximumpurchasepaymentforRetireEaseis$3millionwithoutpriorapprovalforannuitantsage75andunder;$1.5millionforannuitants76andolder.3 Maximumandminimumissueagemayvarybyproductandfeature.4 ReferencedasMassMutualInflationProtectorwithMassMutualRetireEase.5 ReferencedasIncreasingIncomeOptionwiththeMetLifeIncomeAnnuity.6Homeofficeapprovalisrequiredforperiodsthatexceed30years.Somerateguaranteeperiodslistedheremaynotbeavailableinallstates.Certainfeaturesmaynotbeavailableinallproductsordependingontypeoffundsusedtopurchasetheannuity.Withdrawalsoftaxableamountsandtaxableincomereceivedfromanannuityaresubjecttoordinaryincometax.Withdrawalsoftaxableamountstakenbeforeage59½,maybesubjecttoa10%IRSpenalty.CharlesSchwab&Co.,Inc.,alicensedinsuranceagency,offersinsuranceproductsthatareissuedbyinsurancecompaniesnotaffiliatedwithSchwab.Notallproductsareavailableinallstates.MetLifeIncomeAnnuityisreferredtoasSinglePremiumImmediateAnnuityinthecontractandinrelatedforms.MetLifeSinglePremiumImmediateAnnuityisissuedbyMetLifeInsuranceCompanyUSA,Charlotte,NC28277onPolicyFormSeriesMLIU-SPIA(07/06),andinNewYork,onlybyFirstMetLifeInvestorsInsuranceCompany,NewYork,NY10166onPolicyFormSeriesFMLI-SPIA(07/06)(collectivelyandsingly,MetLife).NewYorkLifeGuaranteedLifetimeIncomeAnnuityIIandNewYorkLifeGuaranteedPeriodIncomeAnnuityIIarefixedincomeannuitiesissuedbyNewYorkLifeInsuranceandAnnuityCorporation(NYLIAC).ThepolicyformnumberfortheNewYorkLifeGuaranteedLifetimeIncomeAnnuityIIisICC-PC103;itmaybe211-P103.ThepolicyformnumberfortheNewYorkLifeGuaranteedPeriodIncomeAnnuityIIisICC11-P112.Statevariationsmayapply.NationwideINCOMEPromise®SinglePremiumImmediateAnnuity(SPIA)isafixedimmediateannuityissuedbyNationwideLifeInsuranceCompany.PacificIncomeProvider,asinglepremiumimmediatefixedannuity,isissuedbyPacificLifeInsuranceCompanyinallstatesexceptforNewYorkandinNewYorkbyPacificLife&AnnuityCompany.MassMutualRetireEaseSM[ContractForm#SPIA05;SPIA05(NC)]isasinglepremiumimmediatefixedannuitycontractissuedbyMassachusettsMutualLifeInsuranceCompany,Springfield,MA01111.©2014CharlesSchwab&Co.,Inc.Allrightsreserved.IAN (1114-7796) MKT63471-08 (11/14)