1 Withdrawals are subject to ordinary income tax, including a 10% federal tax penalty if withdrawn prior to age 59 ½, and may be subject to a Withdrawal Charge.
2 In certain states, the contract value may be protected from creditors. Please consult your legal advisor for information regarding the laws of your particular state.
3 Subject to state approvals. Not all optional benefits are available with all classes.
4 Asset Rebalancing does not guarantee profits, nor does it assure that you will not have losses.
5 Dollar cost averaging does not assure a profit nor does it protect against a loss in declining markets. It involves continuous investment in securities regardless of fluctuating price levels. You should carefully consider your financial ability to continue through periods of low price levels.
6 All guarantees are based on the claims paying ability of the issuer.
7 If you select this class, the company will add a bonus amount to your Contract Value every time you make a purchase payment within the first Contract year (with certain exceptions). The amount of the bonus is currently 4%.
Generally, an annuity with a purchase payment bonus may have higher charges and expenses than a similar annuity without a purchase payment bonus. Or, it may have less advantageous benefits and other features, or some combination of different charges and benefits. Alternatively, the charges and features could be the same, but we could make less profit or pay lower commissions to sales agents, or both. Accordingly, you should always consider the expenses along with the benefits and other features to be sure any annuity or class of annuity meets your financial needs and goals. Additionally, the annuity purchase rates for the B Plus Class Contract are different than for other classes (see prospectus).

Securities products distributed through New England Securities Corporation, 501Boylston Street, Boston, MA. Investment value and principal may fluctuate with changes in market conditions.