Smart Track II doesn’t require a separate managed volatility investment, either. “So advisors can really choose the investment options that are in the best interests of their clients,” he says. “There are more than 100 investment options available.”

Even if Smart Track II doesn’t appeal to a particular client, fiduciaries shouldn’t overlook the benefits annuities have to offer. Those who do neglect to present them to clients might not be acting in their clients’ best interest.



Guarantees are subject to the terms and conditions of the contract and the claims-paying ability of the insurer.

Carefully consider the investment objectives, risks, fees and expenses of the annuity and/or the investment options. Contact us for a prospectus, a summary prospectus and disclosure document, as available, containing this information. Read them carefully before investing.

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

Variable annuities are long-term, tax-deferred investments designed for retirement. They have associated contract fees, involve investment risks and may lose value. Withdrawals and earnings are taxable as ordinary income when distributed and may be subject to a withdrawal charge and a 10% additional tax if withdrawn before age 591/2.

Great-West Smart Track products have fees and charges including, but 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.

Interstate Compact contract form numbers ICC15-J888 Series (Individual Flexible Premium Variable Annuity) ICC16-GLWB-SIF, ICC16- GLWB-SIP, ICC16-GLWB-SIM, ICC16-GLWB-T-Note (Guaranteed Lifetime Withdrawal Benefit Riders) are issued by GWL&A. GWL&A is not licensed to do business in New York. In New York, contract form numbers J888-NY (Individual Flexible Premium Variable Annuities), GLWB-SIFny, GLWB-SIPny, GLWB-SIM2ny, GLWB-T-Note-ny (Guaranteed Lifetime Withdrawal Benefit Riders) are issued by GWL&A of NY. Contracts may not be available in all states.