The investment choices for Beacon Navigator include asset allocation options as well as multi-managed asset allocation strategies with annual monitoring by Standard & Poor's Investment Advisory Services, LLC (SPIAS). Fixed interest and money markets options are also included.

Combining quality asset management with the optional Protection and Enhancement packages available in Beacon Navigator, clients can create a unique variable annuity designed to meet long term investment and protection needs.

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.

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.