Insurance can help you manage many financial risks such as outliving your assets, unexpected long-term health care expenses and help protect your financial legacy. When you work with a HilltopSecurities advisor, we will help you select the insurance that is right for you and your family based on your individual needs.

Fixed Annuities and Fixed Indexed Annuities* — A popular option for clients who are seeking principal protection and future income.

*Single Premium Immediate Annuities (SPIAs) — SPIAs generate lifetime income for clients and their spouses. Today’s products provide liquidity and beneficiary protection, in addition to potentially tax-advantaged income.

Variable Annuities** — Variable annuities offer the ability to grow your retirement income, tax deferred, using a variety of investment solutions while providing the possibility of market appreciation.

Disability Income Insurance — We recognize that your financial obligations still need to be fulfilled if you become unable to work. Disability Income Insurance helps protect you and your family.

Life Insurance — No financial plan is complete without reviewing your life insurance needs. Whether it is to replace lost income for your family, to ensure a financial legacy for your heirs or a favorite charity, a HilltopSecurities advisor can help you find the plan that is right for you.

Long-term Care Insurance (LTC) — Planning for long-term care expenses allows you to maintain control over how you will be cared for as you age, with coverage for home health care as well as facilities-based care.

*Guarantees of fixed annuity contracts are contingent upon the claims paying ability of the issuing insurance company. Most annuities have surrender charges assessed during the early years of the contract if the contract owner surrenders the annuity. Additionally, if the contract is surrendered before age 59-1/2, the annuity owner may be subject to a 10% federal income tax penalty. Annuity withdrawals are taxed as ordinary income. Other restrictions may apply.

**Variable annuities are sold only by prospectus. Investors should consider the investment objectives, risks, charges, and expenses carefully before investing. The prospectus, which contains this and other information about the investment company, can be obtained from the investment company or your financial professional. Be sure to read the prospectus carefully before deciding whether to invest.

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