Variable contracts are offered by prospectus only. Investors should consider the investment objective, risks, charges, and expenses carefully before investing. The prospectus, which contains this and other important information, is available from your Financial Advisor and should be read carefully before investing.

It is important to note that variable contracts may be variable whole life (the insurance company cannot change the internal expenses and the policy holder cannot change the death benefit) or variable universal life (offering a flexible premium, an adjustable death benefit, and allows the insurance company to change the internal expenses). Due to the variable sub-accounts, the insured is accepting additional risk in the variable life contract.