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Variable annuities carry certain charges and expenses that are passed on to the investor, including among others, surrender charges, mortality and expense risk charges. Variable Annuities are offered by prospectus only. Prospectuses contain more complete information on the risks, management fees, charges, and other expenses and should be read carefully before investing or sending money. Withdrawals taken before age 59 1/2 may be subject to a 10% federal tax penalty. Guarantees do not apply to the performance or safety of payments allocated to variable accounts. Account value will fluctuate and when redeemed may be worth more or less than the amount deposited.
An investment in the Money Market is not insured or guaranteed by theFederal Deposit Insurance Corporation or any other government agency. Although the fund seeks to preserve the value of your investment at $1.00 per share, it is possible to lose money by investing in the fund. Products that invest in bonds are subject to certain risks, including interest-rate risk, credit risk and inflation risk. As interest rates rise, the prices of bonds fall. Long term bonds are more exposed to interest rate risk than short-term bonds. Unlike bonds, bond funds have ongoing fees and expenses. Bond funds will fluctuate, and when redeemed,may be worth more or less than their original cost. International securities have additional risks, including exchange rate changes, political and economic unrest, relative low market liquidity and the potential difference in financial and accounting controls and standards. Investing in small, mid-size or emerging growth companies involves greater risks not associated with investing in more established companies, such as business risk, significant stock price fluctuations and illiquidity.