Figures represent past performance, do not take into account any applicable taxes and would be lower if optional features were selected.3
Past performance does not guarantee future results.
Investment return and principal value of an investment will fluctuate so when units are redeemed, they may be worth more or less than original cost.
Current performance may be lower or higher than advertised performance.
The performance above is as of the most recent month-end.
You should consider the contract’s and underlying portfolios’ investment objectives, risks, charges and expenses carefully before investing.
The contract’s prospectus and underlying portfolios’ prospectuses contain information about the investment objectives, risks, charges and expenses, as well as other important information.
You should read the prospectuses carefully before investing.
To obtain a copy of the prospectuses, please call (800) 789-6771.3
Historical performance figures reflect changes in unit value and assume the automatic reinvestment of all distributions.
All performance, while deemed obtained from reliable sources, is not guaranteed for accuracy and may differ from return
information calculated and published by the respective investment advisors.
In addition to the listed variable portfolios, there is a Dreyfus VIF Money Market Portfolio and three Fixed Account Options: Fixed Accumulation Account and Three-Year and Seven-Year Fixed Account Options.
A money market investment is not insured or guaranteed by the FDIC or any other government agency.
While the fund seeks to preserve your investment at $1.00 per share, you may lose money invested in the fund.
Fixed Account Options are guaranteed by the claims-paying ability of the issuing company, Annuity Investors Life Insurance Company.
See your representative for current rates.
1 The Non-Standardized Cumulative Total Returns and Non-Standardized Average Annual Total Returns represent past performance based on a $1,000 hypothetical investment and reflect deduction of a 1.25% annual Mortality and Expense charge and a 0.15% annual administration charge.
The returns may include hypothetical performance for periods before the portfolios were available in The Commodore variable annuities.
2 Inception returns are from the Portfolio Inception Date.
3 A contract with optional features has a higher M&E charge and lowers the returns shown—the Enhanced Death Benefit’s annual M&E is 0.10% (0.25% for issue ages 71-78); the Earnings Enhancement Benefit’s annual M&E is 0.30%; the Guaranteed Minimum Income Benefit’s annual M&E is 0.30%.
The optional features are not available for new sales as of May 1, 2003
Foreign investing involves special risks such as currency fluctuations and political uncertainty.
High-yield bonds are subject to a higher level of credit and market risks.
Sector-based portfolios, especially those investing in technology companies, may be more volatile than more diversified portfolios.
Small- and mid-cap stocks may hold more investment risk than large-cap stock.