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Fixed annuities are contracts that have penalties for surrender prior to maturity. Contracts offered by RetureByDesign are 36 to 60 months. The offer above allows 10% penalty-free withdrawals beginning year one until maturity. Earnings are tax-deferred until withdrawal. Withdrawals prior to age 59-1/2 may result in a 10% IRS tax penalty. Annuity guarantees are backed by the financial strength of the underlying insurance company/