Whether you're looking for another retirement savings product or want to switch out of an existing variable annuity, consider the Vanguard Variable Annuity.

The main appeal of the Vanguard Variable Annuity is its low costs. According to Morningstar, this annuity's average annual cost is about 75% less than than the industry average of other variable annuities. With an average expense ratio of 0.62%, this variable annuity will help keep fees from eating into your investment.

Features of the Vanguard Variable Annuity

• Low costs - the average costs are 0.62%
• No sales commissions - therefore no upfront costs or sales charges will be collected
• No surrender charges - you'll save more money if you need to withdraw from your Vanguard Variable Annuity
• Diversified portfolios - choose from 15 investment portfolios
• Three death benefit options - accumulated value only, return of premium or annual step-up.
• Apply with ease - open an account online

More information on the Vanguard Variable Annuity can be found in the literature kit.

More Products to Consider

If you feel that fixed annuities might fit your retirement savings needs better than variable annuities, explore these options:

• Protective's ProSaver® Platinum Fixed Annuity
  (Rates have come down to 4.35%)
• Western National Life Flex 5 Fixed Annuity
  (Rates have come down to 2.90%)
• Vanguard Fixed Annuity - Single 5
  (Rates have increased to 2.50%)