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Variable Annuities

Bring financial advisers and investors proven experience in both domestic and international markets across the spectrum of financial assets.

With a network of investment professionals located in offices worldwide, the combined firm serves endowments, pension funds, corporations and other institutions, as well as international organizations and individual investors. Van Kampen's investment professionals have access to vast global resources, first-hand experience in the world's capital markets and the support of a foremost financial services firm worldwide.

Van Kampen brings clients disciplined investment strategies using a team-oriented approach to managing money through a variety of market cycles. Combining this team management approach with their asset management affiliates positions them to evolve with markets and their clients' needs. Van Kampen's wide array of products is designed to satisfy the investment needs of virtually any client.

Van Kampen is a wholly owned subsidiary of a global securities firm engaged in a wide range of financial services including, for example, securities trading and brokerage activities, investment banking, research and analysis, financing and financial professional services.

Morgan Stanley Investment Management Inc., the adviser to the UIF portfolios, does business in certain instances using the name Van Kampen.

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.

Variable annuity products are distributed through Old Mutual Financial Network Securities, member FINRA
ADLF5646 (12-2006) spacer V06-004
 
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