Self$-$direct variable annuity contracts are great for investment$-$savvy clients for what reason?

$1.$ They allow the contract owner to alter the investment of funds as their investment objectives change.

$2.$ They allow the contract owner to set their own interest rate.

$3.$ They allow the contract owner to withdrawal amounts over the withdrawal privilege amount without penalty.

$4.$ Self$-$directed variable annuity contracts are not great for investment$-$savvy client