Focus on your future

Retirement is just the beginning. It’s your time to live well. That’s why some portion of your retirement income should be dependable and predictable.

And while you may be on the path to saving for the future, there are some factors out of your control that create uncertainty. Markets can be volatile, you may live longer than you now imagine and the effect of inflation on your buying power can be unpredictable. Your qualified retirement plan and Social Security may not provide enough income to meet your long-term needs.

A variable annuity from Great-West Financial® can make a difference. By focusing on replacing your income in retirement, you can plan for a more meaningful future.

Great-West Capital Choice index-linked variable annuities

Great-West Capital Choice solutions are single premium deferred index-linked variable annuities that offer you growth potential with a variety of protection features so you can feel confident about your financial future. Each year on your contract anniversary, you can adjust your growth and protection options.1,2

Capital Choice index-linked variable annuities:

The suite includes four different offerings to provide you with the flexibility you need, and each one offers upside potential and downside protection to help you meet your goals.

Great-West Capital Choice

This solution offers a broad range of options from which you can choose. Learn more about this option.

Great-West Capital Choice Advisor

This fee-based solution offers a broad range of options from which you can choose. Learn more about this option.

Great-West Capital Choice Select

This solution offers a select range of options from which you can choose. Learn more about this option.

Great-West Capital Choice Select Advisor

This fee-based solution offers a select range of options from which you can choose. Learn more about this option.

What is a variable annuity?

A variable annuity is a long-term, tax-deferred retirement savings vehicle that allows you to invest in a wide selection of investment options that are wrapped inside of an insurance contract. It provides an easy, convenient way to supplement the money you receive at retirement from Social Security, your retirement plan at work and your personal savings.

What can a variable annuity do for me?

Variable annuity products

Great-West Smart Track® II — 5 Year Variable Annuity

A flexible growth and guaranteed5 income strategy that can be tailored to fit your specific needs.

Smart Track II – 5 Year is available to you through our trusted partner banks and independent broker-dealers. Contact your financial professional to learn more about the growth potential and available guaranteed5 retirement income options.

Discover how Smart Track II – 5 Year can help you to and through retirement.

Schwab Advisor Choice Variable AnnuityTM

A low-cost, flexible solution available for non-qualified and qualified accounts.6

The Schwab Advisor Choice Variable Annuity is available exclusively through Charles Schwab. Discover how Schwab Advisor Choice Variable Annuity can help you feel more confident about planning for your retirement.

Great-West Smart Track Advisor Variable Annuity

Smart Track Advisor is a fee-based product that provides tax-deferred investment growth potential and lifetime retirement income — the best of both worlds. Smart Track Advisor is available through our trusted network. Contact your financial professional to learn more.

Discover how the Smart Track Advisor can help you to and through retirement.

Schwab OneSource Choice Variable AnnuityTM

More investment choices, guaranteed income1, and protection for your beneficiaries.

The Schwab OneSource Choice Variable Annuity is available exclusively through Charles Schwab. Learn how Schwab OneSource Choice Variable Annuity can help you take charge of your retirement.

Variable annuities are sold by prospectus only. Variable annuities are long-term investments and may not be suitable for all investors. Any withdrawals of earnings prior to age 59½ may be subject to income tax and a 10% penalty. A withdrawal charge may also apply.

Other retirement income products

Great-West Smart Track Variable Annuity and Great-West Smart Track II Variable Annuity7

A retirement income strategy option that easily shifts from saving and investing to spending.

Click here for information on Smart Track and Smart Track II.

Great-West SecureFoundation® Smart Future7

A combination of growth potential and retirement income protection.

Smart Future is available to you through our trusted partner banks and independent broker-dealers. Contact your financial professional to learn more about its growth potential, downside protection and guaranteed retirement income.

Click here for information about Smart Future.

Important Disclosures

Guarantees are subject to the claims paying ability of the insurer.

1 Protection options are referred to as crediting factorsin the prospectus

2 If you do not inform us that that you want to move your contract value to another strategy, you will stay in the current strategy subject to the new cap.

3 Great-West Investments Market Analysis, Average 10-Year Treasury Constant Maturity Rate, 1/2/1962 – 9/15/17, 6.15%. Current 10-Year Treasury rate as of 9/19/17, 2.2%. Government bonds are guaranteed with regard to the timely payment of principal and interest and the fact that certificates of deposit are insured and offer a fixed rate of return.

4 Funds may impose redemption fees and/or transfer restrictions if assets are held for less than the published holding period. For more information, see the fund's prospectus and/or disclosure documents.

5 All guarantees are subject to the claims-paying ability of the Great-West & Annuity Insurance Company. Schwab does not provide any insurance guarantees.

6 Insurance expenses, including mortality and expense charges on the Schwab Advisor Choice Variable Annuity, are 0.49%, as compared with the industry average of 1.34% according to a June 30, 2015, Morningstar survey of 2,115 variable annuities. This does not include fees associated with the guaranteed lifetime withdrawal benefit underlying investment options of the guaranteed minimum (return-of-premium) death benefit option.

7 The decision to purchase an annuity in a qualified plan or IRA should not be based on the annuity's tax-deferred accrual feature as the qualified plan or IRA itself already provides this.

8 GWFS Equities, Inc. is the principal underwriter and distributor for the certificate and the Great-West SecureFoundation® Balanced ETF Fund.

The issuer has filed a registration statement (including a prospectus) with the SEC for the offering to which the communication relates. Before you invest, you should read the prospectus in that registration statement and other documents the issuer has filed with the SEC for more complete information about the issuer and this offering. You may get these documents for free by visiting EDGAR on the SEC Web site at www.sec.gov. Alternatively, the issuer, any underwriter or any dealer participating in the offering will arrange to send you the prospectus if you request it by calling toll-free 1-877-723-8723.

Securities offered or distributed through GWFS Equities, Inc., Member FINRA/SIPC and a subsidary of Great-West Life & Annuity Insurance Company.

Variable annuities and variable life insurance products are long-term investments and may not be suitable for all investors. Earnings are taxable as ordinary income when distributed and may be subject to a 10% additional tax if withdrawn before age 59½. Investments in these products are subject to fluctuating values of the underlying investments options, including the possible loss of principle.

There are fees and charges associated with variable annuities which include, but are not limited to mortality and expense risk charges, sales withdrawal charges, surrender charges, administrative fees, charges for optional benefits as well as charges for the underlying investment options. The guaranteed income benefit is provided through an optional rider for an additional fee, goes into effect upon the purchase of units of a covered fund and is paid for through the sale of units of the covered fund(s), which reduces the annuity account value. Partial withdrawals will decrease the death benefit and cash value.

Great-West Life & Annuity Insurance Company and Great-West Life & Annuity Insurance Company of New York do not offer or provide investment, fiduciary, legal, or tax advice or act in a fiduciary capacity for any client unless explicitly described in writing. Please consult with your investment advisor, attorney and/or tax advisor as needed.

IPRC form numbers ICC15–J888 Series, ICC16–J100 Series (Individual Flexible Premium Variable Annuities), ICC16–GLWB–SIF, ICC16–GLWB–SIP, ICC16–GLWB–SIM, ICC16–GLWB–T–Note, ICC16–AM–SIF, ICC16–AM–SIP, ICC16–AM–SIM (Guaranteed Lifetime Withdrawal Benefit Riders), ILVA–Core, ILMGA–Core, ILVA–RIA–Core, ILMGA–RIA–Core Series (Index linked annuity contracts) are issued by GWL&A. Contracts may not be available in all states. Contracts are not available in New York. GWL&A is not licensed to do business in New York, form numbers J100ny, J888–NY, J777–NY, J555–NY (Individual Flexible Premium Variable Annuities), GLWBny, GLWB–SIFny, GLWB–SIPny, GLWB–SIM2ny, GLWB–T–Note–ny, SIF–AMny, SIP–AMny, SIM–AMny (Guaranteed Lifetime Withdrawal Benefit Riders) are issued by GWL&A of NY.