CLEAR SOLUTIONS IN A COMPLEX WORLD

LIFE INSURANCE UNDERWRITING SERVICES; [LIFE REINSURANCE UNDERWRITING SERVICES;] FINANCIAL PLANNING AND INVESTMENT ADVISORY SERVICES; INSTITUTIONAL INVESTMENT MANAGEMENT SERVICES; ANNUITY UNDERWRITING SERVICES; FINANCIAL SERVICES IN THE NATURE OF ANNUITY INVESTMENTS; ADMINISTRATION AND MANAGEMENT OF ANNUITY CONTRACTS; ADMINISTRATION OF ANNUITY PRODUCTS FOR OTHERS AND CONSULTATION IN THE FIELD OF DEVELOPING ANNUITY PRODUCTS FOR OTHERS; MUTUAL FUND DISTRIBUTION AND SERVICES; AND INVESTMENT PLANNING SERVICES, NAMELY INVESTMENT CONSULTATION AND ADVICE; RECORD KEEPING SERVICES FOR 401(a), 401(k), 403(b), 457 AND SIMPLIFIED EMPLOYEE PENSION PLANS; AND, ARRANGING DEFERRED COMPENSATION ARRANGEMENTS FOR PRIVATE, PUBLIC AND TAX EXEMPT EMPLOYERS AND THEIR EMPLOYEES, AND OFFERING INDIVIDUAL RETIREMENT ACCOUNTS FOR INDIVIDUAL RETIREMENT