Variable Annuity and Life Products

The Initial Summary Prospectus (ISP) is specifically designed to be used with new variable product owners. The ISP contains certain key information about the variable product’s most important features, including an overview, benefits available, buying the variable product, taking withdrawals, additional information about fees and an appendix detailing what portfolio companies (investment options) are available.

The Updating Summary Prospectus (USP) is specifically designed to be used with existing variable product owners. The USP focuses on new and updated information and it reminds an owner of the key features and the underlying investment options available. The USP contains the following information: updated information in the statutory prospectus, important information you should consider and an appendix detailing what portfolio companies (investment options) are available.

The Statutory Prospectus is the comprehensive document that includes an overview of the variable product you purchased or are considering purchasing and information about the risks, fees and expenses, as well as the benefits and limitations such as purchases, withdrawals and surrenders. If you have additional questions about your variable product after reviewing the Initial Summary Prospectus and/or the Updating Summary Prospectus, this document contains additional disclosure that can be helpful.

SAI is the Statement of Additional Information and includes additional material about the variable product and the issuing insurance company that some owners may find useful, including information about the calculation of performance data for any money market investment options available and the financial statements of the issuing insurance company and the separate account.