Annuities

Dreyfus1 offers several types of annuity products to help you reach your goals. If you're interested in adding an annuity product to your portfolio, take some time to consider the right type.

Before investing, consider the investment objectives, risks, charges and expenses of the variable annuity and its investment options. Call Dreyfus at 1-800-896-2645 or download a free prospectus and, if available, summary prospectus containing this information online. Read it carefully. Principal value, income payments and investment returns of a variable annuity will fluctuate and you may have a gain or loss when money is received or withdrawn.

Annuities are issued by third party insurance companies, which are not affiliated with Dreyfus or any of its affiliates. The contract's financial guarantees are solely the responsibility of the issuing insurance company. MBSC Securities Corporation, a broker-dealer, and Dreyfus Service Organization, Inc., a licensed insurance agency, are the distributors.

Most annuities have a tax-deferred feature. So do many retirement plans under the Internal Revenue Code. As a result, when you use an annuity to fund a retirement plan that is tax-deferred, your annuity will not provide any necessary or additional tax deferral for that retirement plan. But annuities do have features other than tax deferral that may help you reach your retirement goals. You should consult your tax advisor prior to making a purchase for an explanation of the tax implications to you.

Annuities are not short-term liquid investments. Upon withdrawal, the amounts available to you may be worth more or less than the original amount invested. Consult a tax advisor regarding annuity taxation as it applies to your circumstances.

Please be aware that tax laws may change which may impact the tax treatment of annuities. Withdrawals are subject to income tax. In addition, withdrawals made before age 59½ are generally subject to an additional 10% early withdrawal federal tax penalty.

Indexed annuities are complex and not suitable for all investors, surrender charges apply that may impact liquidity, and policies surrendered prior to the end of the annuity term could result in a loss.

1. Dreyfus refers to Dreyfus Service Organization, Inc., a licensed insurance agency.

2. Variable annuities are complex investment vehicles. Before you invest, be sure to ask your sales representative about the variable annuity's features, benefits, risks and fees, and whether the variable annuity is appropriate for you based on your financial situation and objectives. There is risk involved in investing in variable annuities, including possible loss of principal invested. Variable annuities have additional charges and fees (which include an annual annuity charge and underlying fund fees). Variable annuities are long term investments and access to the investments may be limited by surrender charges.

3. Guarantees are based on the claims-paying ability of the issuing insurance company.

The Dreyfus/Transamerica Triple Advantage Variable Annuity is issued by the Transamerica Life Insurance Company, Cedar Rapids, IA (Contract AV696 101 145 901. May differ by state. Florida Contract Form AV704 101 145 901. Oregon Contract Form AV719 101 145 901. Not available in all states. California Certificate of Authority No. 5432). For New York residents, the Dreyfus/Transamerica Triple Advantage Variable Annuity is issued by Transamerica Financial Life Insurance Company, Harrison, NY (Policy Form AV852 101 161 702).

Contract Form number may differ by state. Dreyfus is not affiliated with Transamerica or any of its affiliates. Variable annuities are available through MBSC Securities Corporation, a registered broker-dealer.

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