Form N-6 - United States Securities And Exchange Commission (Page 9 of 29) in pdf

(1) A statement that the SAI includes additional information about the Registrant. Explain that the SAI and, if available,

personalized illustrations of death benefits, cash surrender values, and cash values, are available, without charge, upon

request, and explain how contractowners may make inquiries about their Contracts. Provide a toll-free (or collect) telephone

number for investors to call: to request the SAI and, if available, personalized illustrations; to request other information

about the Contracts; and to make contractowner inquiries.

Instructions.

A Registrant may indicate, if applicable, that the SAI and other information are available on its Internet site and/or by

E-mail request.

A Registrant may indicate, if applicable, that the SAI and other information are available from an insurance agent or

financial intermediary (such as a broker-dealer or bank) through which the Contracts may be purchased or sold.

When a Registrant (or an insurance agent or financial intermediary through which Contracts may be purchased or sold)

receives a request for the SAI, the Registrant (or insurance agent or financial intermediary) must send the SAI within 3

business days of receipt of the request, by first-class mail or other means designed to ensure equally prompt delivery.

(2) A statement whether and from where information is incorporated by reference into the prospectus as permitted by General

Instruction D. Unless the information is delivered with the prospectus, explain that the Registrant will provide the information

without charge, upon request (referring to the telephone number provided in response to paragraph (b)(1)).

Instruction. The Registrant may combine the information about incorporation by reference with the statements required

under paragraph (b)(1).

(3) A statement that information about the Registrant (including the SAI) can be reviewed and copied at the Commission’s

Public Reference Room in Washington, DC. Also state that information on the operation of the public reference room may

be obtained by calling the Commission at 202-942-8090. State that reports and other information about the Registrant are

available on the Commission’s Internet site at and that copies of this information may be obtained, upon

payment of a duplicating fee, by writing the Public Reference Section of the Commission, 450 Fifth Street, NW, Washington,

DC 20549-0102.

(4) The Registrant’s Investment Company Act file number on the bottom of the back cover page in type size smaller than that

generally used in the prospectus (e.g., 8-point modern type).

Item 2. Risk/Benefit Summary: Benefits and Risks

Include, in plain English under rule 421(d) under the Securities Act [17 CFR 230.421(d)], a concise description of the Contract,

including, but not necessarily limited to, the following information:

(a) Contract Benefits. Summarize the benefits available under the Contract, including death benefits, withdrawal and surrender

benefits, and loans.

(b) Contract Risks. Summarize the principal risks of purchasing a Contract, including the risks of poor investment performance, that

Contracts are unsuitable as short-term savings vehicles, the risks of Contract lapse, limitations on access to cash value through

withdrawals, and the possibility of adverse tax consequences.

(c) Portfolio Company Risks. A statement to the effect that a comprehensive discussion of the risks of each Portfolio Company

may be found in the Portfolio Company’s prospectus.

Instruction. Registrants may, but are not required to, include information about the Portfolio Companies in response to this Item

Form N-6 - United States Securities And Exchange Commission Page 9