AllianceBernstein L.P is one of the largest publicly traded global asset management firms in the world, with approximately $579 billion in assets under management at December 31, 2005. AllianceBernstein provides diversified, global investment management services that include growth and value equities, style blend and fixed income services to institutional, high net worth and retail clients worldwide. Additionally, through its subsidiary, Sanford C. Bernstein LLC & Co. ("Bernstein LLC"), AllianceBernstein provides in-depth research, portfolio strategy, trading and brokerage-related services.
AllianceBernstein is headquartered in New York and has offices in 44 cities in 23 countries. Other U.S. offices include Atlanta, Boston, Denver, Minneapolis, San Francisco, San Diego, Cleveland, Chicago, Dallas, Houston, Los Angeles, Miami, Seattle, Tampa, Washington D.C., West Palm Beach, Philadelphia and White Plains. AllianceBernstein also has non-U.S. investment management/research offices in London, Tokyo, Singapore, Shanghai, Mumbai, Cape Town, and Sao Paulo as well as joint venture relationships in five other cities. Additionally, there are marketing and client offices in 14 locations. As one of the world’s leading global investment management organizations, AllianceBernstein is able to compete for virtually any portfolio assignment in any developed capital market in the world.
Investment options are available as subaccounts of the separate account of OM Financial Life Insurance Company. The underlying portfolios of the subaccounts are NOT publicly traded mutual funds, and are NOT the same as publicly traded mutual funds with very similar names.
Even if the investment objectives and policies of some underlying portfolios available through the contract's subaccounts may be very similar to the investment objectives and policies of publicly traded mutual funds that may be managed by the same investment adviser, the investment performance and results of the portfolios available under the Contract may vary significantly from the investment results of such other publicly traded mutual funds. The portfolios are designed primarily as investments for variable annuity and variable life insurance policies issued by insurance companies.
Beacon Navigator flexible premium variable annuity contract is offered on a group or individual basis as determined by state availability. Group Certificate FGL FPDVA-C 2006 and Individual Form FGL FPDVA 2006, et al. Optional provisions and riders have limitations, restrictions and additional charges except where noted, and are subject to state availability. For the exact terms and conditions, refer to the contract.
Asset allocation portfolios and models provide allocations determined to be consistent with an investment risk profile. The investor chooses whether or not to select an asset allocation portfolio or model and the subsequent recommended allocation changes. Implementation does not guarantee a profit or protect against a loss.
An investment in money market investment options is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other
government agency. Money market investments seek to preserve the value of your investment at $1.00 per share, but include risk of loss, including
principal.
Beacon Navigator is offered by prospectus only. Before investing, carefully consider the investment objectives, risks, fees, and other
important information about the contract issuer and underlying portfolios. This information can be found in the contract and portfolio
prospectuses. You can obtain copies from us. Read the prospectuses carefully and consider these factors before investing.
