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You should consider the features of this fixed contingent deferred annuity contract carefully before purchasing. This and other important information is contained in the prospectus, which can be obtained from www.meritlifegroup.com. You should read the prospectus carefully before purchasing.

Fixed Contingent Deferred Annuities are issued by Merit Life Insurance Co., Austin, TX. Guarantees are backed by the claims-paying ability of the issuing company. Merit CDAs have no cash value, surrender value, or death benefit.

The information provided is not intended as legal or tax advice. Please consult with your Financial Advisor before purchasing. This product may not be available in all states.

Merit Life Insurance Co. is rated A- (Excellent) by AM Best. This rating does not apply to any investment product. The rating is as of August 3, 2021 and is subject to change. For the latest Best’s Credit Rating, access www.ambest.com.

Merit Income Insurance is available through wealth management firms who Merit has an operating agreement using approved investment portfolios that meet all investment criteria as outlined in the prospectus. Accounts may be moved to another firm where we have an operating agreement established. For a list of approved firms, please contact 833.637.4854. Contracts may be terminated if the operating agreement or contract is breached.

Securities transactions are effected through INTE Securities LLC, Member FINRA (www.finra.org)/SIPC (www.sipc.org). To view INTE Securities LLC, go to www.finra.org/brokercheck.

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