Annuities and IRA Disclaimer

Guarantees are based on and expressly subject to the claims-paying ability of Church Life Insurance Corporation, NAIC No. 61875, a New York life insurance company, with its home office located at 19 East 34th Street, New York, New York 10016 (“Church Life”). The Church Pension Fund does not guarantee payment of the principal or interest under any Church Life annuity contract.

Church Life Individual Retirement Annuity (“IRAs”) are subject to withdrawal fees if greater than 10% of the IRA is withdrawn within 7-10 years. IRAs are subject to various Internal Revenue Code provisions, including modified adjusted gross income limits, and applicable state regulations.

Church Life’s annuities and IRAs contain exclusions, limitations, provisions for reduction of benefits and terms for keeping them in force. For complete details of coverage, including exclusions, limitations and other restrictions, please consult the actual annuity contract. Product availability and features may not be available in all states.

If the description of any Church Life annuity or IRA conflicts with the terms of the applicable annuity contract or IRA endorsement or disclosure statement, the terms of the applicable annuity contract or IRA endorsement or disclosure statement will govern.