No matter which type of annuity you choose, be sure to carefully read and understand your annuity contract as soon as you get it. Ask questions of your insurance producer and consult your tax advisor for information about possible tax consequences. Neither Manhattan Life Insurance Company nor Western United Life Assurance Company, nor any of their insurance producers, provide legal or tax advice. Annuities are not insured by FDIC. They are not the product of, nor guaranteed by, any bank. Product availability may vary by the Owner's resident state, Annuitant's issue age, and/or initial single premium amount. Other restrictions may apply.