An annuity is a contract issued by an insurance company, which agrees to provide payments to the holder for a fixed period. Fixed annuities guarantee a fixed payment, while variable annuities pay a varying amount depending on the initial investment and the performance of the portfolio securities.

UCB Investment Services, Inc. offers a variety of fixed and variable annuity products underwritten by some of the most reputable insurance companies.

Note: The guarantee of fixed payment is subject to the claims-paying ability of the issuing insurance company.