Empower Retirement refers to the products and services offered in the retirement markets by Great-West Life & Annuity Insurance Company (GWL&A), Corporate Headquarters: Greenwood Village, CO; Great-West Life & Annuity Insurance Company of New York (GWL&A of NY), Home Office: New York, NY; and their subsidiaries. The trademarks, logos, service marks and design elements used are owned by GWL&A

To solicit and sell products for our companies, a Representative/Producer must have the proper state insurance licenses/credentials and be contracted and appointed to one of our companies. Additionally, if a Representative is FINRA registered, a Broker Dealer Selling Agreement Contract between the Broker Dealer and GWFS Equities, Inc. is required.

If you are appointed by GWL&A and/or GWL&A of NY as an agent:

• You shall be appointed as an independent producer and not as an employee of GWL&A and/or GWL&A of NY.
• You have no authority whatsoever to change any of the terms, rates or conditions of GWL&A's and/or GWL&A of NY's insurance policies.
• You may only use sales literature that has been pre-approved by GWL&A and/or GWL&A of NY.

If you are licensed in California and would like a copy of the California Unfair Claims Settlement Practices Regulations, contact Great-West Financial at 888-606-4032. Here is a brief description of the Regulations:

The California Department of Insurance has issued Regulations entitled the California Unfair Claims Settlement Practices Regulations (Title 10, Chapter 5, and subchapter 8, California Code of Regulations). These Regulations require insurance companies to adopt standards for the prompt investigation and processing of claims in California. GWL&A has adopted standards providing that, if you or any of your staff receive a claim involving GWL&A, you must immediately forward the claim information to Empower Retirement.