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Document Types

Initial Summary Prospectus: Provided for you to consider before you purchase a variable annuity or life product; more concise and reader-friendly than the statutory prospectus.
Updating Summary Prospectus: For current variable annuity or life product owners; summarizes any changes that took place since the last annual update.
Statutory Prospectus: A longer document, also known as a “Product Prospectus”; provides a more detailed level of information.
Statement of Additional Information (SAI): A supplement to the prospectus that provides additional information about an annuity or life product and detailed operational disclosures.
Investment Options: Provides fund prospectuses for the investment options available within a specific annuity or life product.
Please note that with some products, the documents defined above may not be available.
Guarantees and protections are subject to the claims-paying ability of the issuing insurance company. They don't apply to the investment performance or safety of the underlying investment options. Underlying subaccounts are only available as investment options in variable insurance contracts issued by life insurance companies. They are not offered directly to the general public.
NFM-21514AO.1