VPS International Growth Portfolio B
Portfolio Objective and Strategy
AllianceBernstein International Growth Portfolio seeks long-term capital
appreciation. The Portfolio invests primarily in an international portfolio
of equity securities of companies located in both developed and emerging
countries.
The Portfolio invests, under normal circumstances, in
the equity securities of companies based in at least three
countries (and normally substantially more), none of which
may be the United States. The
Portfolio’s investments historically included companies that were
established as a result of privatizations of state enterprises.
There is no assurance that any of the stated objectives of the variable portfolios will be attained; investment return and principal value of the investments will fluctuate so that shares, when redeemed, may be worth more or less than their original cost. Shares of the Portfolio involve investment risks, including the possible loss of principal. Substantially all of the Portfolio's assets will be investid in foreign securities which may magnify fluctuations due to changes in foreign exchange rates and the possibility of substantial volatility due to political and economic uncertainties in foreign countries. The Portfolio may invest in securities of emerging market nations. These investments have additional risks, such as illiquid or thinly traded markets, company management risk, heightened political instability and currency volatility.
Accounting standards and market regulations in emerging market nations are not the same as those in the U.S. While the Portfolio invests principally in common stocks and other equity securities, in order to achieve its investment objectives, the Portfolio may at times use certain types of investment derivatives, such as options, futures, forwards and swaps. These instruments involve risks different from, and in certain cases, greater than, the risks presented by more traditional investments. Review the insurance company prospectus for more complete information, including information on charges, fees and expenses. You should have your client read the prospectus before investing or sending money.
This information has been provided as a courtesy to you at your request and does not replace or supersede your customer account statement. In the case of any conflict, the information on your customer account statement shall control; we do not guarantee the accuracy of this information.
Reported policy information only reflects information that we have received in good order and have processed pursuant to our rules and deadlines. Reported transfers and values may only be current as of the last previous business day the New York Stock Exchange was open. Pending changes and transactions may not be reflected in our reported information. Variable annuities are issued by OM Financial Life Insurance Company, Baltimore, MD, and are offered through Old Mutual Financial Network Securities, Inc., members FINRA.
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.
