Individuals cannot invest directly in an index. Because the Fund focuses its investments on companies involved in particular sectors, it may involve a greater degree of risk than an investment with greater diversification. While the fund invests primarily in securities of the U.S. Government and its agencies, the fund's value is not guaranteed by these entities. The underlying investment options are available only as an investment in variable annuity contracts and variable life insurance policies issued by life insurance companies. They are NOT offered or made available to the general public directly.
Variable products have unique fee schedules and are intended as long-term investments.
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