Enable Java Script

Either your browser does not support JavaScript, or you have JavaScript disabled.
You must have a JavaScript-enabled browser to use this site.

Microsoft Internet Explorer

To turn on JavaScript in Internet Explorer, follow these steps:

  1. On the Tools menu, click Internet Options, and then click the Security tab.
  2. Click the Web content zone that you are using (for example, click Local Intranet),
    and then click Custom Level button.
  3. Locate Active scripting under Scripting settings. Click to select the Enable radio button.
  4. Click OK button on Security Settings and Internet Options windows to save your changes.

To download Internet Explorer 7, click here.


To turn on JavaScript in Firefox, follow these steps:

  1. On the Tools menu, click Options.., and then click the Content tab.
  2. Click to select the Enable JavaScript check box.
  3. Click OK button to save the setting.

To download Firefox 2, click here.


To turn on JavaScript in Safari, follow these steps:

  1. Open Safari
  2. On the Safari menu, click on Preferences.
  3. Click the Security icon.
  4. Click on Enable JavaScript next to the Web Content section if it is not checked
  5. Close the Preferences window
  6. Close and restart Safari.

Opera 9.xx series

To turn on JavaScript in Opera 9.xx series, follow these steps:

  1. Open Opera.
  2. On the Tools menu, click Preferences.
  3. Click Content in the Preferences list.
  4. Check the box next to Enable JavaScript.
  5. Click the JavaScript Options button to open the JavaScript Options box.
  6. Check the boxes that you want to allow.
  7. Click OK.
  8. Click OK.

Google Chrome(v0.4.154.23)

To turn on JavaScript in Google Chrome(v0.4.154.23), follow these steps:

  1. First close any open Chrome windows.
  2. Right click on a blank area of your Desktop.
  3. Select New.
  4. Create a new Shortcut with the following in the "Type the location of the item:" text box:
    • For Windows Vista:
      %userprofile%\Local\Google\Chrome\Application\chrome.exe -enable-javascript
    • For Windows XP:
      "%userprofile%\Local Settings\Application Data\Google\chrome.exe" -enable-javascript
      Note: You'll have to enclose the file path for Windows XP in quotes due to there being spaces in it.





Couple standing at a marina with boats docked behind them.


​Find out how an annuity may provide supplemental retirement income and tax-deferred growth. Learn more about the types of annuities offered by M&T Securities, Inc. 




​​​​What is an annuity?

Annuities may offer tax-deferred growth, value and a payment stream that begins immediately or at some future date.

​​Fixed Annuities vs. Variable Annuities

  • Fixed annuities. These pay interest at fixed rates set and guaranteed by the issuing insurance company
  • Variable annuities. With variable annuities, annuity value and earnings fluctuate with the market value of the underlying subaccounts chosen by the annuity owner

Considerations When Purchasing an Annuity

You may want to consider the following before purchasing an annuity:

  • Annuities are tax-deferred – the contract owner does not pay taxes on the growth of their investment until withdrawals begin
  • Annuities are designed for long-term investing and there are generally surrender charges for early withdrawal
  • Withdrawals prior to age 59½ may be subject to a 10% IRS penalty
  • Additional benefits might be available under riders at an additional cost
  • Depending on the contract you purchase, if you surrender your contract, you may receive less than the money you put into it
  • Any annuity is dependent on the continued claims-paying ability of the issuing insurance company​