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Please read the summary information in the prospectus and contact me for a consultation before investing or acting on any of the above information for individual financial advice based on your personal circumstances. Commissions, trailing commissions, management fees and expenses, may all be associated with mutual fund investments and/or segregated fund investments, and they are not guaranteed, as their values change frequently, and past performance may not be repeated. This material is provided for general information and is subject to change without notice. Every effort has been made to compile this material from reliable sources however no warranty can be made as to its accuracy or completeness. Any amount that is allocated to a segregated fund is invested at the risk of the contract holder and may increase or decrease in value, and a description of the key features of the applicable individual variable annuity contract is contained in the Information Folder. Product features are subject to change.

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