Annuities

BNY Mellon1 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 us at 1-800-896-2645 to obtain a prospectus and, if available, summary prospectus. Read the prospectus 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and investment returns of a variable annuity will fluctuate and you may have a gain or loss when money is received or withdrawn.

This material has been distributed for informational purposes only and should not be considered as investment advice or a recommendation of any particular investment, strategy, investment manager or account arrangement, and should not serve as a primary basis for investment decisions. Please consult a legal, tax or financial professional in order to determine whether an investment product or service is appropriate for a particular situation.

Annuities are issued by third party insurance companies, which are not affiliated with BNY Mellon. The contract's financial guarantees are solely the responsibility of the issuing insurance company. BNY Mellon Securities Corporation, a broker-dealer, and BNY Mellon Insurance Agency, 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 appropriate 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. BNY Mellon refers to BNY Mellon Insurance Agency, Inc., a licensed insurance agency.

2. Variable annuities are complex investment vehicles. Before you invest, be sure to ask your financial professional 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. BNY Mellon is not affiliated with Transamerica or any of its affiliates. Variable annuities are available through BNY Mellon Securities Corporation, a registered broker-dealer and BNY Mellon Insurance Agency, Inc., a licensed insurance agency, each a subsidiary of BNY Mellon. BNY Mellon is the corporate brand for The Bank of New York Mellon Corporation.

DRD-213606-2021-09-15