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[0] Risk of principal loss [Fixed] Principle and gains are guaranteed against loss. Guarantees are backed by the claims paying ability of the insurance company. [Indexed] Principle and gains are guaranteed against loss. Guarantees are backed by the claims paying ability of the insurance company. [Variable] Principle and gains are at risk of loss if held in variable sub accounts due to market risk and exposure to fees. [Immediate] 
Payments are guaranteed to never decrease. Guarantees are backed by the claims paying ability of the insurance company.
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