Skip to content Skip to footer site map

A Variable Life Insurance Policy

ISP10 EXPRESS is a level premium, limited premium payment, variable life insurance policy. The premium payment period is guaranteed not to exceed 10 years. The policy provides a guaranteed death benefit to age 121 which is established at issue based upon the insured's age, gender and underwriting classification (the policy utilizes non-medical underwriting). The policy allows the owner to allocate their premiums to a portfolio of investment subaccounts. Each subaccount invests in a corresponding fund of the First Investors Life Series Funds. Although the performance of each subaccount will generally track the performance of the corresponding fund of the First Investors Life Series Funds, an investment in the subaccount does not represent a direct investment in the fund because there are additional insurance fees and charges that the Owner of a policy bears when purchasing an ISP10 EXPRESS. A fixed interest account is also available for up to 50% of each premium paid.

This chart provides you with rates of return based on actual historical accumulation unit values for the investment subaccounts available in the First Investors Life Series Funds under the ISP10 EXPRESS Variable Life Insurance Policy. Each subaccount has a different investment objective which it seeks to achieve by following investment policies particular to that subaccount. For more information regarding each subaccount's investment objective, please see the "ISP CHOICE" prospectus. There is no guarantee that the objective of a subaccount will be achieved.

Performance data quoted represents past performance. Past performance does not guarantee future results. Future performance may be lower or higher than the past performance data quoted below. The investment return and accumulation value of a policy will fluctuate so that an owner's accumulation units, when redeemed, may be worth more or less than the premiums paid. Current performance may be lower or higher than the performance data quoted.

Returns as of September 30, 2017
Subaccount Incep. Date Most Recent Qr. Ended Year to Date 1 Yr. 5 Yr. 10 Yr. Since Incep. %
Subaccount Incep. Date Most Recent Qr. Ended Year to Date 1 Yr. 5 Yr. 10 Yr. Since Incep. %
Balanced Income11-02-20151.59%4.58%3.79%N/AN/A4.00%
Covered Call05-02-20162.27%5.67%7.62%N/AN/A7.09%
Equity Income10-01-20123.44%8.52%13.25%N/AN/A10.06%
Fund For Income10-01-20121.68%4.97%5.57%N/AN/A3.48%
Government10-01-20120.04%0.39%-2.73%N/AN/A-1.02%
Government Cash Management10-01-2012-0.29%-0.99%-1.37%N/AN/A-1.47%
Growth & Income10-01-20123.04%9.64%12.54%N/AN/A10.33%
International10-01-20123.41%25.38%14.38%N/AN/A5.53%
Investment Grade10-01-20120.84%2.78%-0.12%N/AN/A1.28%
Limited Duration High Quality Bond07-01-20140.14%0.43%-1.18%N/AN/A-1.79%
Opportunity12-17-20123.52%11.52%15.53%N/AN/A11.41%
Real Estate05-01-2015-3.01%-4.67%-7.12%N/AN/A0.23%
Select Growth10-01-20127.77%21.38%22.75%N/AN/A12.79%
Special Situations10-01-20124.57%10.93%18.84%N/AN/A11.20%
Total Return12-17-20121.92%6.10%6.46%N/AN/A5.45%
Name
SubaccountBalanced Income
Incep. Date11-02-2015
Most Recent Qr. Ended1.59%
Year to Date4.58%
1 Yr.3.79%
5 Yr.N/A
10 Yr.N/A
Since Incep. %4.00%
Name
SubaccountCovered Call
Incep. Date05-02-2016
Most Recent Qr. Ended2.27%
Year to Date5.67%
1 Yr.7.62%
5 Yr.N/A
10 Yr.N/A
Since Incep. %7.09%
Name
SubaccountEquity Income
Incep. Date10-01-2012
Most Recent Qr. Ended3.44%
Year to Date8.52%
1 Yr.13.25%
5 Yr.N/A
10 Yr.N/A
Since Incep. %10.06%
Name
SubaccountFund For Income
Incep. Date10-01-2012
Most Recent Qr. Ended1.68%
Year to Date4.97%
1 Yr.5.57%
5 Yr.N/A
10 Yr.N/A
Since Incep. %3.48%
Name
SubaccountGovernment
Incep. Date10-01-2012
Most Recent Qr. Ended0.04%
Year to Date0.39%
1 Yr.-2.73%
5 Yr.N/A
10 Yr.N/A
Since Incep. %-1.02%
Name
SubaccountGovernment Cash Management
Incep. Date10-01-2012
Most Recent Qr. Ended-0.29%
Year to Date-0.99%
1 Yr.-1.37%
5 Yr.N/A
10 Yr.N/A
Since Incep. %-1.47%
Name
SubaccountGrowth & Income
Incep. Date10-01-2012
Most Recent Qr. Ended3.04%
Year to Date9.64%
1 Yr.12.54%
5 Yr.N/A
10 Yr.N/A
Since Incep. %10.33%
Name
SubaccountInternational
Incep. Date10-01-2012
Most Recent Qr. Ended3.41%
Year to Date25.38%
1 Yr.14.38%
5 Yr.N/A
10 Yr.N/A
Since Incep. %5.53%
Name
SubaccountInvestment Grade
Incep. Date10-01-2012
Most Recent Qr. Ended0.84%
Year to Date2.78%
1 Yr.-0.12%
5 Yr.N/A
10 Yr.N/A
Since Incep. %1.28%
Name
SubaccountLimited Duration High Quality Bond
Incep. Date07-01-2014
Most Recent Qr. Ended0.14%
Year to Date0.43%
1 Yr.-1.18%
5 Yr.N/A
10 Yr.N/A
Since Incep. %-1.79%
Name
SubaccountOpportunity
Incep. Date12-17-2012
Most Recent Qr. Ended3.52%
Year to Date11.52%
1 Yr.15.53%
5 Yr.N/A
10 Yr.N/A
Since Incep. %11.41%
Name
SubaccountReal Estate
Incep. Date05-01-2015
Most Recent Qr. Ended-3.01%
Year to Date-4.67%
1 Yr.-7.12%
5 Yr.N/A
10 Yr.N/A
Since Incep. %0.23%
Name
SubaccountSelect Growth
Incep. Date10-01-2012
Most Recent Qr. Ended7.77%
Year to Date21.38%
1 Yr.22.75%
5 Yr.N/A
10 Yr.N/A
Since Incep. %12.79%
Name
SubaccountSpecial Situations
Incep. Date10-01-2012
Most Recent Qr. Ended4.57%
Year to Date10.93%
1 Yr.18.84%
5 Yr.N/A
10 Yr.N/A
Since Incep. %11.20%
Name
SubaccountTotal Return
Incep. Date12-17-2012
Most Recent Qr. Ended1.92%
Year to Date6.10%
1 Yr.6.46%
5 Yr.N/A
10 Yr.N/A
Since Incep. %5.45%

The Accumulation Unit Values (AUV) used above are equal to the underlying fund's Net Asset Value (NAV) including the reinvestment of all dividends and capital gains minus the fund's investment management fees and expenses as well as the policy's mortality and expense (M&E) risk charge.

The above returns do not reflect other life insurance policy charges for sales, administration and the cost of insurance which would significantly lower the stated returns. For more information about these additional charges, please see the prospectus.

We encourage you to obtain a personalized illustration from a Foresters Financial representative which reflects the cost of your policy's insurance protection.

You cannot invest directly in any subaccount of the Life Series Funds.

This information should be read in conjunction with the current prospectus for this variable life insurance policy. You should read the prospectus and carefully consider the investment objectives, risks, charges and expenses before purchasing a policy. The prospectus contains this and other important information about the policy and its underlying investment options. For more complete information on the ISP Choice fund, you may obtain a free prospectus by downloading it from our website, contacting your registered representative, or calling (800) 423-4026.

ISP CHOICE is approved in these states with the form number listed below:

  • VL-2 (10-06)(AL)
  • VL-2 (10-06)(AR)
  • VL-2 (10-06)(AZ)
  • VL-2 (10-06)(CA)
  • VL-2 (10-06)(CO)
  • VL-2 (10-06)(CT)
  • VL-2 (10-06)(DC)
  • VL-2 (10-06)(DE)
  • VL-2 (10-06)(FL)
  • VL-2 (10-06)(GA)
  • VL-2 (10-06)(IA)
  • VL-2 (10-06)(ID)
  • VL-2 (10-06)(IL)
  • VL-2 (10-06)(IN)
  • VL-2 (10-06)(KS)
  • VL-2 (10-06)(KY)
  • VL-2 (10-06)(LA)
  • VL-2 (10-06)(MA)
  • VL-2 (10-06)(MD)
  • VL-2 (10-06)(ME)
  • VL-2 (10-06)(MI)
  • VL-2 (10-06)(MN)
  • VL-2 (10-06)(MO)
  • VL-2 (10-06)(MS)
  • VL-2 (10-06)(NC)
  • VL-2 (10-06)(ND)
  • VL-2 (10-06)(NE)
  • VL-2 (10-06)(NH)
  • VL-2 (10-06)(NJ)
  • VL-2 (10-06)(NM)
  • VL-2 (10-06)(NV)
  • VL-2 (10-06)(NY)
  • VL-2 (10-06)(OH)
  • VL-2 (10-06)(OK)
  • VL-2 (10-06)(OR)
  • VL-2 (10-06)(PA)
  • VL-2 (10-06)(RI)
  • VL-2 (10-06)(SC)
  • VL-2 (10-06)(TN)
  • VL-2 (10-06)(TX)
  • VL-2 (10-06)(UT)
  • VL-2 (10-06)(VA)
  • VL-2 (10-06)(VT)
  • VL-2 (10-06)(WA)
  • VL-2 (10-06)(WI)
  • VL-2 (10-06)(WV)
  • VL-2 (10-06)(WY)

All Guarantees are subject to the financial strength and claims-paying ability of Foresters Life Insurance and Annuity Company. Foresters Life Insurance and Annuity Company makes no guarantees with respect to the investment return or principal value of the underlying subaccounts.

A Variable Life Insurance Policy

ISP CHOICE is a level premium, limited premium payment, variable life insurance policy. There are four Premium Payment periods available depending upon the owner's individual needs: 10 years, 20 years, premium payments to age 65 and premium payments to age 100. The policy provides a guaranteed death benefit to age 121 which is established at issue based upon the insured's age, gender and underwriting classification. The policy allows the owner to allocate their premiums to a portfolio of investment subaccounts. Each subaccount invests in a corresponding fund of the First Investors Life Series Funds. Although the performance of each subaccount will generally track the performance of the corresponding fund of the First Investors Life Series Funds, an investment in the subaccount does not represent a direct investment in the fund because there are additional insurance fees and charges that the Owner of a policy bears when purchasing an ISP CHOICE. A fixed interest account is also available for up to 50% of each premium paid.

This chart provides you with rates of return based on actual historical accumulation unit values for the investment subaccounts available in the First Investors Life Series Funds under the ISP CHOICE Variable Life Insurance Policy. Each subaccount has a different investment objective which it seeks to achieve by following investment policies particular to that subaccount. For more information regarding each subaccount's investment objective, please see the ISP CHOICE prospectus. There is no guarantee that the objective of a subaccount will be achieved.

Performance data quoted represents past performance. Past performance does not guarantee future results. Future performance may be lower or higher than the past performance data quoted below. The investment return and accumulation value of a policy will fluctuate so that an owner's accumulation units, when redeemed, may be worth more or less than the premiums paid. Current performance may be lower or higher than the performance data quoted.

Returns as of September 30, 2017
Subaccount Incep. Date Most Recent Qr. Ended Year to Date 1 Yr. 5 Yr. 10 Yr. Since Incep. %
Subaccount Incep. Date Most Recent Qr. Ended Year to Date 1 Yr. 5 Yr. 10 Yr. Since Incep. %
Balanced Income11-02-20151.85%5.38%4.84%N/AN/A5.06%
Covered Call05-02-20162.53%6.47%8.72%N/AN/A8.18%
Equity Income11-15-19933.71%9.34%14.40%11.24%5.68%6.37%
Fund For Income01-01-19881.94%5.77%6.64%4.56%4.75%6.45%
Government01-07-19920.30%1.15%-1.75%0.01%2.35%4.12%
Government Cash Management01-01-1988-0.03%-0.24%-0.37%-0.47%-0.16%2.34%
Growth & Income01-01-19883.31%10.47%13.69%11.53%6.25%9.15%
International02-23-19903.68%26.33%15.54%6.78%3.03%6.81%
Investment Grade01-07-19921.10%3.56%0.89%2.35%4.33%5.21%
Limited Duration High Quality Bond07-01-20140.40%1.19%-0.17%N/AN/A-0.79%
Opportunity12-17-20123.79%12.36%16.71%N/AN/A12.54%
Real Estate05-01-2015-2.77%-3.94%-6.17%N/AN/A1.25%
Select Growth11-08-19998.05%22.30%24.00%13.86%5.71%3.47%
Special Situations01-01-19884.84%11.77%20.05%12.34%7.84%9.06%
Total Return12-17-20122.18%6.91%7.54%N/AN/A6.52%
Name
SubaccountBalanced Income
Incep. Date11-02-2015
Most Recent Qr. Ended1.85%
Year to Date5.38%
1 Yr.4.84%
5 Yr.N/A
10 Yr.N/A
Since Incep. %5.06%
Name
SubaccountCovered Call
Incep. Date05-02-2016
Most Recent Qr. Ended2.53%
Year to Date6.47%
1 Yr.8.72%
5 Yr.N/A
10 Yr.N/A
Since Incep. %8.18%
Name
SubaccountEquity Income
Incep. Date11-15-1993
Most Recent Qr. Ended3.71%
Year to Date9.34%
1 Yr.14.40%
5 Yr.11.24%
10 Yr.5.68%
Since Incep. %6.37%
Name
SubaccountFund For Income
Incep. Date01-01-1988
Most Recent Qr. Ended1.94%
Year to Date5.77%
1 Yr.6.64%
5 Yr.4.56%
10 Yr.4.75%
Since Incep. %6.45%
Name
SubaccountGovernment
Incep. Date01-07-1992
Most Recent Qr. Ended0.30%
Year to Date1.15%
1 Yr.-1.75%
5 Yr.0.01%
10 Yr.2.35%
Since Incep. %4.12%
Name
SubaccountGovernment Cash Management
Incep. Date01-01-1988
Most Recent Qr. Ended-0.03%
Year to Date-0.24%
1 Yr.-0.37%
5 Yr.-0.47%
10 Yr.-0.16%
Since Incep. %2.34%
Name
SubaccountGrowth & Income
Incep. Date01-01-1988
Most Recent Qr. Ended3.31%
Year to Date10.47%
1 Yr.13.69%
5 Yr.11.53%
10 Yr.6.25%
Since Incep. %9.15%
Name
SubaccountInternational
Incep. Date02-23-1990
Most Recent Qr. Ended3.68%
Year to Date26.33%
1 Yr.15.54%
5 Yr.6.78%
10 Yr.3.03%
Since Incep. %6.81%
Name
SubaccountInvestment Grade
Incep. Date01-07-1992
Most Recent Qr. Ended1.10%
Year to Date3.56%
1 Yr.0.89%
5 Yr.2.35%
10 Yr.4.33%
Since Incep. %5.21%
Name
SubaccountLimited Duration High Quality Bond
Incep. Date07-01-2014
Most Recent Qr. Ended0.40%
Year to Date1.19%
1 Yr.-0.17%
5 Yr.N/A
10 Yr.N/A
Since Incep. %-0.79%
Name
SubaccountOpportunity
Incep. Date12-17-2012
Most Recent Qr. Ended3.79%
Year to Date12.36%
1 Yr.16.71%
5 Yr.N/A
10 Yr.N/A
Since Incep. %12.54%
Name
SubaccountReal Estate
Incep. Date05-01-2015
Most Recent Qr. Ended-2.77%
Year to Date-3.94%
1 Yr.-6.17%
5 Yr.N/A
10 Yr.N/A
Since Incep. %1.25%
Name
SubaccountSelect Growth
Incep. Date11-08-1999
Most Recent Qr. Ended8.05%
Year to Date22.30%
1 Yr.24.00%
5 Yr.13.86%
10 Yr.5.71%
Since Incep. %3.47%
Name
SubaccountSpecial Situations
Incep. Date01-01-1988
Most Recent Qr. Ended4.84%
Year to Date11.77%
1 Yr.20.05%
5 Yr.12.34%
10 Yr.7.84%
Since Incep. %9.06%
Name
SubaccountTotal Return
Incep. Date12-17-2012
Most Recent Qr. Ended2.18%
Year to Date6.91%
1 Yr.7.54%
5 Yr.N/A
10 Yr.N/A
Since Incep. %6.52%

The Accumulation Unit Values (AUV) used above are equal to the underlying fund's Net Asset Value (NAV) including the reinvestment of all dividends and capital gains minus the funds investment management fees and expenses as well as the policy's mortality and expense (M&E) risk charge.

The above returns do not reflect other life insurance policy charges for sales, administration and the cost of insurance which would significantly lower the stated returns. For more information about these additional charges, please see the prospectus.

We encourage you to obtain a personalized illustration from a Foresters Financial representative which reflects the cost of your policy's insurance protection.

You cannot invest directly in any subaccount of the Life Series Funds.

This information should be read in conjunction with the current prospectus for this variable life insurance policy. You should read the prospectus and carefully consider the investment objectives, risks, charges and expenses before purchasing a policy. The prospectus contains this and other important information about the policy and its underlying investment options. For more complete information on the ISP CHOICE fund, you may obtain a free prospectus by downloading it from our website, contacting your registered representative, or calling (800) 423-4026.

ISP CHOICE is approved in these states with the form number listed below:

  • VL-2 (10-06)(AL)
  • VL-2 (10-06)(AR)
  • VL-2 (10-06)(AZ)
  • VL-2 (10-06)(CA)
  • VL-2 (10-06)(CO)
  • VL-2 (10-06)(CT)
  • VL-2 (10-06)(DC)
  • VL-2 (10-06)(DE)
  • VL-2 (10-06)(FL)
  • VL-2 (10-06)(GA)
  • VL-2 (10-06)(IA)
  • VL-2 (10-06)(ID)
  • VL-2 (10-06)(IL)
  • VL-2 (10-06)(IN)
  • VL-2 (10-06)(KS)
  • VL-2 (10-06)(KY)
  • VL-2 (10-06)(LA)
  • VL-2 (10-06)(MA)
  • VL-2 (10-06)(MD)
  • VL-2 (10-06)(ME)
  • VL-2 (10-06)(MI)
  • VL-2 (10-06)(MN)
  • VL-2 (10-06)(MO)
  • VL-2 (10-06)(MS)
  • VL-2 (10-06)(NC)
  • VL-2 (10-06)(ND)
  • VL-2 (10-06)(NE)
  • VL-2 (10-06)(NH)
  • VL-2 (10-06)(NJ)
  • VL-2 (10-06)(NM)
  • VL-2 (10-06)(NV)
  • VL-2 (10-06)(NY)
  • VL-2 (10-06)(OH)
  • VL-2 (10-06)(OK)
  • VL-2 (10-06)(OR)
  • VL-2 (10-06)(PA)
  • VL-2 (10-06)(RI)
  • VL-2 (10-06)(SC)
  • VL-2 (10-06)(TN)
  • VL-2 (10-06)(TX)
  • VL-2 (10-06)(UT)
  • VL-2 (10-06)(VA)
  • VL-2 (10-06)(VT)
  • VL-2 (10-06)(WA)
  • VL-2 (10-06)(WI)
  • VL-2 (10-06)(WV)
  • VL-2 (10-06)(WY)

All Guarantees are subject to the financial strength and claims-paying ability of Foresters Life Insurance and Annuity Company. Foresters Life Insurance and Annuity Company makes no guarantees with respect to the investment return or principal value of the underlying subaccounts.

A Variable Life Insurance Policy

Note: The Insured Series Policy variable life insurance policy is no longer available for sale.

The Insured Series Policy (ISP) is a level premium, 12 premium payment, variable life insurance policy. The policy provides a guaranteed death benefit to age 100 established at issue based upon the insured's age, gender and underwriting classification. The policy allows the Owner to allocate their premiums to a portfolio of investment subaccounts. Each subaccount invests in a corresponding fund of the First Investors Life Series Funds. Although the performance of each subaccount will generally track the performance of the corresponding fund of the First Investors Life Series Funds, an investment in the subaccount does not represent a direct investment in the fund because there are additional insurance fees and charges that the Owner of a policy bears when purchasing an ISP.

This chart provides you with rates of return based on actual historical accumulation unit values for the investment subaccounts available in the First Investors Life Series Funds under the ISP Variable Life Insurance Policy. Each subaccount has a different investment objective which it seeks to achieve by following investment policies particular to that subaccount. For more information regarding each subaccount's investment objective, please see the ISP prospectus. There is no guarantee that the objective of a subaccount will be achieved.

Performance data quoted represents past performance. Past performance does not guarantee future results. Future performance may be lower or higher than the past performance data quoted below. The investment return and accumulation value of a policy will fluctuate so that an owner's accumulation units, when redeemed, may be worth more or less than the premiums paid. Current performance may be lower or higher than the performance data quoted.

 

Returns as of September 30, 2017
Subaccount Incep. Date Most Recent Qr. Ended Year to Date 1 Yr. 5 Yr. 10 Yr. Since Incep. %
Subaccount Incep. Date Most Recent Qr. Ended Year to Date 1 Yr. 5 Yr. 10 Yr. Since Incep. %
Balanced Income11-02-20151.85%5.38%4.84%N/AN/A5.06%
Covered Call05-02-20162.53%6.47%8.72%N/AN/A8.18%
Equity Income11-15-19933.71%9.34%14.40%11.24%5.68%6.37%
Fund For Income01-01-19881.94%5.77%6.64%4.56%4.75%6.45%
Government01-07-19920.30%1.15%-1.75%0.01%2.35%4.12%
Government Cash Management01-01-1988-0.03%-0.24%-0.37%-0.47%-0.16%2.34%
Growth & Income01-01-19883.31%10.47%13.69%11.53%6.25%9.15%
International02-23-19903.68%26.33%15.54%6.78%3.03%6.81%
Investment Grade01-07-19921.10%3.56%0.89%2.35%4.33%5.21%
Limited Duration High Quality Bond07-01-20140.40%1.19%-0.17%N/AN/A-0.79%
Opportunity12-17-20123.79%12.36%16.71%N/AN/A12.54%
Real Estate05-01-2015-2.77%-3.94%-6.17%N/AN/A1.25%
Select Growth11-08-19998.05%22.30%24.00%13.86%5.71%3.47%
Special Situations01-01-19884.84%11.77%20.05%12.34%7.84%9.06%
Total Return12-17-20122.18%6.91%7.54%N/AN/A6.52%
Name
SubaccountBalanced Income
Incep. Date11-02-2015
Most Recent Qr. Ended1.85%
Year to Date5.38%
1 Yr.4.84%
5 Yr.N/A
10 Yr.N/A
Since Incep. %5.06%
Name
SubaccountCovered Call
Incep. Date05-02-2016
Most Recent Qr. Ended2.53%
Year to Date6.47%
1 Yr.8.72%
5 Yr.N/A
10 Yr.N/A
Since Incep. %8.18%
Name
SubaccountEquity Income
Incep. Date11-15-1993
Most Recent Qr. Ended3.71%
Year to Date9.34%
1 Yr.14.40%
5 Yr.11.24%
10 Yr.5.68%
Since Incep. %6.37%
Name
SubaccountFund For Income
Incep. Date01-01-1988
Most Recent Qr. Ended1.94%
Year to Date5.77%
1 Yr.6.64%
5 Yr.4.56%
10 Yr.4.75%
Since Incep. %6.45%
Name
SubaccountGovernment
Incep. Date01-07-1992
Most Recent Qr. Ended0.30%
Year to Date1.15%
1 Yr.-1.75%
5 Yr.0.01%
10 Yr.2.35%
Since Incep. %4.12%
Name
SubaccountGovernment Cash Management
Incep. Date01-01-1988
Most Recent Qr. Ended-0.03%
Year to Date-0.24%
1 Yr.-0.37%
5 Yr.-0.47%
10 Yr.-0.16%
Since Incep. %2.34%
Name
SubaccountGrowth & Income
Incep. Date01-01-1988
Most Recent Qr. Ended3.31%
Year to Date10.47%
1 Yr.13.69%
5 Yr.11.53%
10 Yr.6.25%
Since Incep. %9.15%
Name
SubaccountInternational
Incep. Date02-23-1990
Most Recent Qr. Ended3.68%
Year to Date26.33%
1 Yr.15.54%
5 Yr.6.78%
10 Yr.3.03%
Since Incep. %6.81%
Name
SubaccountInvestment Grade
Incep. Date01-07-1992
Most Recent Qr. Ended1.10%
Year to Date3.56%
1 Yr.0.89%
5 Yr.2.35%
10 Yr.4.33%
Since Incep. %5.21%
Name
SubaccountLimited Duration High Quality Bond
Incep. Date07-01-2014
Most Recent Qr. Ended0.40%
Year to Date1.19%
1 Yr.-0.17%
5 Yr.N/A
10 Yr.N/A
Since Incep. %-0.79%
Name
SubaccountOpportunity
Incep. Date12-17-2012
Most Recent Qr. Ended3.79%
Year to Date12.36%
1 Yr.16.71%
5 Yr.N/A
10 Yr.N/A
Since Incep. %12.54%
Name
SubaccountReal Estate
Incep. Date05-01-2015
Most Recent Qr. Ended-2.77%
Year to Date-3.94%
1 Yr.-6.17%
5 Yr.N/A
10 Yr.N/A
Since Incep. %1.25%
Name
SubaccountSelect Growth
Incep. Date11-08-1999
Most Recent Qr. Ended8.05%
Year to Date22.30%
1 Yr.24.00%
5 Yr.13.86%
10 Yr.5.71%
Since Incep. %3.47%
Name
SubaccountSpecial Situations
Incep. Date01-01-1988
Most Recent Qr. Ended4.84%
Year to Date11.77%
1 Yr.20.05%
5 Yr.12.34%
10 Yr.7.84%
Since Incep. %9.06%
Name
SubaccountTotal Return
Incep. Date12-17-2012
Most Recent Qr. Ended2.18%
Year to Date6.91%
1 Yr.7.54%
5 Yr.N/A
10 Yr.N/A
Since Incep. %6.52%

The Accumulation Unit Values (AUV) used above are equal to the underlying fund's Net Asset Value (NAV) including the reinvestment of all dividends and capital gains minus the funds investment management fees and expenses as well as the policy's mortality and expense (M&E) risk charge.

The above returns do not reflect other life insurance policy charges for sales, administration and the cost of insurance which would significantly lower the stated returns. For more information about these additional charges, please see the prospectus.

We encourage you to obtain a personalized illustration from a Foresters Financial representative which reflects the cost of your policy's insurance protection.
You cannot invest directly in any subaccount of the Life Series Funds.

This information should be read in conjunction with the current prospectus for this variable life insurance policy. You should read the prospectus and carefully consider the investment objectives, risks, charges and expenses before purchasing a contract. The prospectus contains this and other important information about the contract and its underlying investment options. For more complete information on the Insured Series fund, you may obtain a free prospectus by downloading it from our website, contacting your registered representative, or calling (800) 423-4026.

Insured Series Policy is approved in these states with the form number listed below:

  • Alabama (VL-1)
  • Arizona (VL-1)
  • Arkansas (VL-1)
  • California (VL-1)
  • Colorado (VL-1 CO)
  • Connecticut (VL-1)
  • Delaware (VL-1)
  • Florida (VL-1)
  • Georgia (VL-1 GA)
  • Idaho (VL-1)
  • Illinois (VL-1)
  • Indiana (VL-1)
  • Iowa (VL-1)
  • Kansas (VL-1)
  • Kentucky (VL-1)
  • Louisiana (VL-1)
  • Maine (VL-1)
  • Maryland (VL-1)
  • Massachusetts (VL-1)
  • Michigan (VL-1)
  • Minnesota (VL-1A MN)
  • Mississippi (VL-1)
  • Missouri (VL-1)
  • Nebraska (VL-1)
  • Nevada (VL-1)
  • New Hampshire (VL-1)
  • New Jersey (VL-1)
  • New Mexico (VL-1)
  • New York (VL-1)
  • North Carolina (VL-1)
  • Ohio (VL-1)
  • Oklahoma (VL-1)
  • Oregon (VL-1)
  • Pennsylvania (VL-1)
  • Rhode Island (VL-1)
  • South Carolina (VL-1 SC)
  • Tennessee (VL-1)
  • Texas (VL-1A TX)
  • Utah (VL-1)
  • Virginia (VL-1 VA)
  • Washington (VL-1 WA)
  • West Virginia (VL-1)
  • Wisconsin (VL-1)
  • Wyoming (VL-1)

All Guarantees are subject to the financial strength and claims-paying ability of Foresters Life Insurance and Annuity Company. Foresters Life Insurance and Annuity Company makes no guarantees with respect to the investment return or principal value of the underlying subaccounts.

A Flexible Purchase Payment Variable Deferred Annuity

First Choice is a flexible purchase payment variable deferred annuity. The contract allows the owner to allocate their purchase payments to a portfolio of investment subaccounts (First Investors Life Series Funds), which are offered under First Investors Life Separate Account C. A fixed interest account is also available for up to 50% of each purchase payment.

This chart provides you with rates of return based on actual historical accumulation unit values for the investment subaccounts available in the First Investors Life Series Funds under the First Choice variable annuity contract. Each subaccount has a different investment objective which it seeks to achieve by following investment policies particular to that subaccount. There is no guarantee that the objective of a subaccount will be achieved.

Performance data quoted represents past performance. Past performance does not guarantee future results. Future performance may be lower or higher than the past performance data quoted below. The investment return and accumulation value of a contract will fluctuate so that an owner's accumulation units, when redeemed, may be worth more or less than the purchase payments paid. Current performance may be lower or higher than the performance data quoted.

Returns as of September 30, 2017
Subaccount Incep. Date Most Recent Qr. Ended Year to Date 1 Yr. 5 Yr. 10 Yr. Since Incep. %
Subaccount Incep. Date Most Recent Qr. Ended Year to Date 1 Yr. 5 Yr. 10 Yr. Since Incep. %
Balanced Income11-02-20151.47%4.23%3.32%N/AN/A3.57%
Covered Call05-02-20162.16%5.34%7.17%N/AN/A6.66%
Equity Income11-15-19933.35%8.22%12.83%10.01%4.50%5.56%
Fund For Income10-15-19901.57%4.63%5.11%3.17%3.51%6.25%
Government01-07-1992-0.09%0.00%-3.24%-1.53%0.96%3.16%
Government Cash Management11-01-1990-0.41%-1.37%-1.86%-2.03%-1.78%0.70%
Growth & Income10-15-19902.95%9.33%12.11%10.30%5.09%8.79%
International10-15-19903.32%25.04%13.97%5.45%1.68%6.21%
Investment Grade01-07-19920.72%2.40%-0.61%0.89%3.07%4.35%
Limited Duration High Quality Bond07-01-20140.02%0.05%-1.67%N/AN/A-2.33%
Opportunity12-17-20123.43%11.22%15.13%N/AN/A11.32%
Real Estate05-01-2015-3.15%-5.07%-7.64%N/AN/A-0.26%
Select Growth11-08-19997.69%21.10%22.38%12.68%4.53%2.30%
Special Situations10-15-19904.49%10.65%18.45%11.13%6.76%9.04%
Total Return12-17-20121.82%5.76%6.00%N/AN/A5.18%
Name
SubaccountBalanced Income
Incep. Date11-02-2015
Most Recent Qr. Ended1.47%
Year to Date4.23%
1 Yr.3.32%
5 Yr.N/A
10 Yr.N/A
Since Incep. %3.57%
Name
SubaccountCovered Call
Incep. Date05-02-2016
Most Recent Qr. Ended2.16%
Year to Date5.34%
1 Yr.7.17%
5 Yr.N/A
10 Yr.N/A
Since Incep. %6.66%
Name
SubaccountEquity Income
Incep. Date11-15-1993
Most Recent Qr. Ended3.35%
Year to Date8.22%
1 Yr.12.83%
5 Yr.10.01%
10 Yr.4.50%
Since Incep. %5.56%
Name
SubaccountFund For Income
Incep. Date10-15-1990
Most Recent Qr. Ended1.57%
Year to Date4.63%
1 Yr.5.11%
5 Yr.3.17%
10 Yr.3.51%
Since Incep. %6.25%
Name
SubaccountGovernment
Incep. Date01-07-1992
Most Recent Qr. Ended-0.09%
Year to Date0.00%
1 Yr.-3.24%
5 Yr.-1.53%
10 Yr.0.96%
Since Incep. %3.16%
Name
SubaccountGovernment Cash Management
Incep. Date11-01-1990
Most Recent Qr. Ended-0.41%
Year to Date-1.37%
1 Yr.-1.86%
5 Yr.-2.03%
10 Yr.-1.78%
Since Incep. %0.70%
Name
SubaccountGrowth & Income
Incep. Date10-15-1990
Most Recent Qr. Ended2.95%
Year to Date9.33%
1 Yr.12.11%
5 Yr.10.30%
10 Yr.5.09%
Since Incep. %8.79%
Name
SubaccountInternational
Incep. Date10-15-1990
Most Recent Qr. Ended3.32%
Year to Date25.04%
1 Yr.13.97%
5 Yr.5.45%
10 Yr.1.68%
Since Incep. %6.21%
Name
SubaccountInvestment Grade
Incep. Date01-07-1992
Most Recent Qr. Ended0.72%
Year to Date2.40%
1 Yr.-0.61%
5 Yr.0.89%
10 Yr.3.07%
Since Incep. %4.35%
Name
SubaccountLimited Duration High Quality Bond
Incep. Date07-01-2014
Most Recent Qr. Ended0.02%
Year to Date0.05%
1 Yr.-1.67%
5 Yr.N/A
10 Yr.N/A
Since Incep. %-2.33%
Name
SubaccountOpportunity
Incep. Date12-17-2012
Most Recent Qr. Ended3.43%
Year to Date11.22%
1 Yr.15.13%
5 Yr.N/A
10 Yr.N/A
Since Incep. %11.32%
Name
SubaccountReal Estate
Incep. Date05-01-2015
Most Recent Qr. Ended-3.15%
Year to Date-5.07%
1 Yr.-7.64%
5 Yr.N/A
10 Yr.N/A
Since Incep. %-0.26%
Name
SubaccountSelect Growth
Incep. Date11-08-1999
Most Recent Qr. Ended7.69%
Year to Date21.10%
1 Yr.22.38%
5 Yr.12.68%
10 Yr.4.53%
Since Incep. %2.30%
Name
SubaccountSpecial Situations
Incep. Date10-15-1990
Most Recent Qr. Ended4.49%
Year to Date10.65%
1 Yr.18.45%
5 Yr.11.13%
10 Yr.6.76%
Since Incep. %9.04%
Name
SubaccountTotal Return
Incep. Date12-17-2012
Most Recent Qr. Ended1.82%
Year to Date5.76%
1 Yr.6.00%
5 Yr.N/A
10 Yr.N/A
Since Incep. %5.18%

The average annual Accumulation Unit Value (AUV) returns reflect the reinvestment of all dividends and capital gains in the underlying funds, the deduction of investment management fees and expenses and the deduction of the annuity contract's mortality and expense charge (M&E). For these returns, we assume that the purchase payments were allocated to each of the subaccounts on the date the subaccount was made available through the separate account that supports this variable annuity contract or in cases in which the subaccount was created after the separate account on the subaccount inception date.

An individual cannot invest directly in any subaccount of the Life Series Funds.

This information should be read in conjunction with the current prospectus for this variable annuity contract. You should read the prospectus and carefully consider the investment objectives, risks, charges and expenses before purchasing a contract. The prospectus contains this and other important information about the contract and its underlying investment options. For more complete information on the First Choice variable annuity, you may obtain a free prospectus by downloading it from our website, contacting your registered representative, or calling (800) 423-4026.

First Choice is not a deposit or obligation of or guaranteed or endorsed by any bank or depository institution nor is it federally insured by the Federal Deposit Insurance Corporation, the Federal Reserve Bank or any other agency. The contract involves risk, including possible loss of the principal amount invested.

First Choice is approved in these states with the form number listed below:

  • FPVA-1 (08-09)(AL)
  • FPVA-1 (08-09)(AR)
  • FPVA-1 (08-09)(AZ)
  • FPVA-1 (08-09)(CA)
  • FPVA-1 (08-09)(CT)
  • FPVA-1 (08-09)(DC)
  • FPVA-1 (08-09)(DE)
  • FPVA-1 (08-09)(FL)
  • FPVA-1 (08-09)(IL)
  • FPVA-1 (08-09)(ND)
  • FPVA-1 (08-09)(NJ)
  • FPVA-1 (08-09)(NV)
  • FPVA-1 (08-09)(NY)
  • FPVA-1 (08-09)(OR)

The following states are approved as form number ICC09-FPVA-1 (08/09):

  • CO
  • GA
  • IA
  • ID
  • IN
  • KS
  • KY
  • LA
  • MA
  • MD
  • ME
  • MI
  • MN
  • MO
  • MS
  • NC
  • NE
  • NH
  • NM
  • OH
  • OK
  • PA
  • RI
  • SC
  • TN
  • TX
  • UT
  • VA
  • VT
  • WA
  • WI
  • WV
  • WY

Not FDIC Insured
Not Bank Guaranteed
Not a Deposit
Not Insured by Any Government Agency

All Guarantees are subject to the financial strength and claims-paying ability of Foresters Life Insurance and Annuity Company. Foresters Life Insurance and Annuity Company makes no guarantees with respect to the investment return or principal value of the underlying subaccounts.

A Flexible Purchase Payment Variable Deferred Annuity

Tax Tamer I is a flexible purchase payment variable deferred annuity. The contract allows the owner to allocate their net purchase payments to a portfolio of investment subaccounts (to a maximum of five) of the First Investors Life Series Funds, which are offered under First Investors Life Separate Account C.

This chart provides you with rates of return based on actual historical accumulation unit values for the investment subaccounts available in the First Investors Life Series Funds under the Tax Tamer I variable annuity contract. Each subaccount has a different investment objective which it seeks to achieve by following investment policies particular to that subaccount. There is no guarantee that the objective of a subaccount will be achieved.

Performance data quoted represents past performance. Past performance does not guarantee future results. Future performance may be lower or higher than the past performance data quoted below. The investment return and accumulation value of a contract will fluctuate so that an owner's accumulation units, when redeemed, may be worth more or less than the purchase payments paid. Current performance may be lower or higher than the performance data quoted.

Returns as of September 30, 2017
Subaccount Incep. Date Most Recent Qr. Ended Year to Date 1 Yr. 5 Yr. 10 Yr. Since Incep. %
Subaccount Incep. Date Most Recent Qr. Ended Year to Date 1 Yr. 5 Yr. 10 Yr. Since Incep. %
Balanced Income11-02-20151.72%4.98%4.32%N/AN/A4.54%
Covered Call05-02-20162.40%6.07%N/AN/AN/A7.64%
Equity Income11-15-19933.58%8.93%13.83%10.68%5.15%5.84%
Fund For Income10-15-19901.81%5.37%6.11%4.03%4.22%6.45%
Government01-07-19920.17%0.78%-2.24%-0.49%1.84%3.60%
Government Cash Management11-01-1990-0.16%-0.61%-0.86%-0.97%-0.66%1.46%
Growth & Income10-15-19903.18%10.06%13.11%10.97%5.71%8.90%
International10-15-19903.55%25.86%14.97%6.24%2.51%6.42%
Investment Grade01-07-19920.97%3.17%0.39%1.83%3.81%4.69%
Limited Duration High Quality Bond07-01-20140.27%0.81%-0.67%N/AN/A-1.28%
Opportunity12-17-20123.65%11.94%16.13%N/AN/A11.98%
Real Estate05-01-2015-2.89%-4.30%-6.64%N/AN/A0.74%
Select Growth11-08-19997.91%21.84%23.38%13.29%5.18%2.95%
Special Situations10-15-19904.71%11.35%19.45%11.78%7.30%9.14%
Total Return12-17-20122.05%6.51%7.00%N/AN/A5.99%
Name
SubaccountBalanced Income
Incep. Date11-02-2015
Most Recent Qr. Ended1.72%
Year to Date4.98%
1 Yr.4.32%
5 Yr.N/A
10 Yr.N/A
Since Incep. %4.54%
Name
SubaccountCovered Call
Incep. Date05-02-2016
Most Recent Qr. Ended2.40%
Year to Date6.07%
1 Yr.N/A
5 Yr.N/A
10 Yr.N/A
Since Incep. %7.64%
Name
SubaccountEquity Income
Incep. Date11-15-1993
Most Recent Qr. Ended3.58%
Year to Date8.93%
1 Yr.13.83%
5 Yr.10.68%
10 Yr.5.15%
Since Incep. %5.84%
Name
SubaccountFund For Income
Incep. Date10-15-1990
Most Recent Qr. Ended1.81%
Year to Date5.37%
1 Yr.6.11%
5 Yr.4.03%
10 Yr.4.22%
Since Incep. %6.45%
Name
SubaccountGovernment
Incep. Date01-07-1992
Most Recent Qr. Ended0.17%
Year to Date0.78%
1 Yr.-2.24%
5 Yr.-0.49%
10 Yr.1.84%
Since Incep. %3.60%
Name
SubaccountGovernment Cash Management
Incep. Date11-01-1990
Most Recent Qr. Ended-0.16%
Year to Date-0.61%
1 Yr.-0.86%
5 Yr.-0.97%
10 Yr.-0.66%
Since Incep. %1.46%
Name
SubaccountGrowth & Income
Incep. Date10-15-1990
Most Recent Qr. Ended3.18%
Year to Date10.06%
1 Yr.13.11%
5 Yr.10.97%
10 Yr.5.71%
Since Incep. %8.90%
Name
SubaccountInternational
Incep. Date10-15-1990
Most Recent Qr. Ended3.55%
Year to Date25.86%
1 Yr.14.97%
5 Yr.6.24%
10 Yr.2.51%
Since Incep. %6.42%
Name
SubaccountInvestment Grade
Incep. Date01-07-1992
Most Recent Qr. Ended0.97%
Year to Date3.17%
1 Yr.0.39%
5 Yr.1.83%
10 Yr.3.81%
Since Incep. %4.69%
Name
SubaccountLimited Duration High Quality Bond
Incep. Date07-01-2014
Most Recent Qr. Ended0.27%
Year to Date0.81%
1 Yr.-0.67%
5 Yr.N/A
10 Yr.N/A
Since Incep. %-1.28%
Name
SubaccountOpportunity
Incep. Date12-17-2012
Most Recent Qr. Ended3.65%
Year to Date11.94%
1 Yr.16.13%
5 Yr.N/A
10 Yr.N/A
Since Incep. %11.98%
Name
SubaccountReal Estate
Incep. Date05-01-2015
Most Recent Qr. Ended-2.89%
Year to Date-4.30%
1 Yr.-6.64%
5 Yr.N/A
10 Yr.N/A
Since Incep. %0.74%
Name
SubaccountSelect Growth
Incep. Date11-08-1999
Most Recent Qr. Ended7.91%
Year to Date21.84%
1 Yr.23.38%
5 Yr.13.29%
10 Yr.5.18%
Since Incep. %2.95%
Name
SubaccountSpecial Situations
Incep. Date10-15-1990
Most Recent Qr. Ended4.71%
Year to Date11.35%
1 Yr.19.45%
5 Yr.11.78%
10 Yr.7.30%
Since Incep. %9.14%
Name
SubaccountTotal Return
Incep. Date12-17-2012
Most Recent Qr. Ended2.05%
Year to Date6.51%
1 Yr.7.00%
5 Yr.N/A
10 Yr.N/A
Since Incep. %5.99%

The average annual Accumulation Unit Value (AUV) returns reflect the reinvestment of all dividends and capital gains in the underlying funds, the deduction of investment management fees and expenses and the deduction of the annuity contract's mortality and expense charge (M&E). For these returns, we assume that the net purchase payments were allocated to each of the subaccounts on the date the subaccount was made available through the separate account that supports this variable annuity contract or in cases in which the subaccount was created after the separate account, on the subaccount inception date.

An individual cannot invest directly in any subaccount of the Life Series Funds.

This information should be read in conjunction with the current prospectus for this variable annuity contract. You should read the prospectus and carefully consider the investment objectives, risks, charges and expenses before purchasing a contract. The prospectus contains this and other important information about the contract and its underlying investment options. For more complete information on the Tax Tamer I variable annuity, you may obtain a free prospectus by downloading it from our website, contacting your registered representative, or calling (800) 423-4026.

Tax Tamer I is no longer available for sale, however existing contract owners may make additional premium payments under their respective contract.

Tax Tamer I is not a deposit or obligation of, or guaranteed or endorsed by any bank or depository institution, nor is it federally insured by the Federal Deposit Insurance Corporation, the Federal Reserve Bank or any other agency. The contract involves risk, including possible loss of the principal amount invested.

Tax Tamer I is approved in these states with the form number listed below:

VAC-VIA-1

  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • District of Colombia
  • Florida
  • Illinois
  • Iowa
  • Kentucky
  • Louisiana
  • Maryland
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Nebraska
  • Nevada
  • New Mexico
  • New York
  • North Carolina
  • Ohio
  • Oklahoma
  • Oregon
  • Rhode Island
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • West Virginia
  • Wisconsin
  • Wyoming

VAC (TQ)(OS)

  • Georgia
  • Indiana

VAA-1 AC

  • Massachusetts

VAC-VIA-1 (FLX)

  • New Jersey
  • Pennsylvania

VAC-SC

  • South Carolina

VAC-VIA-1 (WA)(04/90)

  • Washington

Not FDIC Insured
Not Bank Guaranteed
Not a Deposit
Not Insured by Any Government Agency

All Guarantees are subject to the financial strength and claims-paying ability of Foresters Life Insurance and Annuity Company. Foresters Life Insurance and Annuity Company makes no guarantees with respect to the investment return or principal value of the underlying subaccounts.

 

A Flexible Purchase Payment Variable Deferred Annuity

Tax Tamer II is a flexible purchase payment variable deferred annuity. The contract allows the owner to allocate their purchase payments to a portfolio of investment subaccounts (to a maximum of five) of the First Investors Life Series Funds, which are offered under First Investors Life Separate Account D.

This chart provides you with rates of return based on actual historical accumulation unit values for the investment subaccounts available in the First Investors Life Series Funds under the Tax Tamer II variable annuity contract. Each subaccount has a different investment objective which it seeks to achieve by following investment policies particular to that subaccount. There is no guarantee that the objective of a subaccount will be achieved.

Performance data quoted represents past performance. Past performance does not guarantee future results. Future performance may be lower or higher than the past performance data quoted below. The investment return and accumulation value of a contract will fluctuate so that an owner's accumulation units, when redeemed, may be worth more or less than the purchase payments paid. Current performance may be lower or higher than the performance data quoted.

Returns as of September 30, 2017
Subaccount Incep. Date Most Recent Qr. Ended Year to Date 1 Yr. 5 Yr. 10 Yr. Since Incep. %
Subaccount Incep. Date Most Recent Qr. Ended Year to Date 1 Yr. 5 Yr. 10 Yr. Since Incep. %
Balanced Income11-02-20151.47%4.21%3.30%N/AN/A3.54%
Covered Call05-02-20162.15%5.32%N/AN/AN/A6.62%
Equity Income07-28-19973.33%8.18%12.77%9.83%4.33%4.70%
Fund For Income07-28-19971.57%4.61%5.08%3.09%3.37%3.40%
Government07-28-1997-0.09%0.01%-3.23%-1.52%0.89%2.36%
Government Cash Management07-28-1997-0.41%-1.36%-1.86%-2.01%-1.74%-0.15%
Growth & Income07-28-19972.93%9.29%12.06%10.12%4.91%5.55%
International07-28-19973.31%24.99%13.91%5.34%1.59%4.04%
Investment Grade07-28-19970.72%2.40%-0.61%0.85%2.94%3.43%
Limited Duration High Quality Bond07-01-20140.02%0.06%-1.67%N/AN/A-2.31%
Opportunity12-17-20123.42%11.18%15.06%N/AN/A11.13%
Real Estate05-01-2015-3.14%-5.05%-7.62%N/AN/A-0.26%
Select Growth11-08-19997.67%21.03%22.29%12.46%4.36%2.14%
Special Situations07-28-19974.47%10.60%18.37%10.94%6.54%5.07%
Total Return12-17-20121.81%5.74%5.98%N/AN/A5.08%
Name
SubaccountBalanced Income
Incep. Date11-02-2015
Most Recent Qr. Ended1.47%
Year to Date4.21%
1 Yr.3.30%
5 Yr.N/A
10 Yr.N/A
Since Incep. %3.54%
Name
SubaccountCovered Call
Incep. Date05-02-2016
Most Recent Qr. Ended2.15%
Year to Date5.32%
1 Yr.N/A
5 Yr.N/A
10 Yr.N/A
Since Incep. %6.62%
Name
SubaccountEquity Income
Incep. Date07-28-1997
Most Recent Qr. Ended3.33%
Year to Date8.18%
1 Yr.12.77%
5 Yr.9.83%
10 Yr.4.33%
Since Incep. %4.70%
Name
SubaccountFund For Income
Incep. Date07-28-1997
Most Recent Qr. Ended1.57%
Year to Date4.61%
1 Yr.5.08%
5 Yr.3.09%
10 Yr.3.37%
Since Incep. %3.40%
Name
SubaccountGovernment
Incep. Date07-28-1997
Most Recent Qr. Ended-0.09%
Year to Date0.01%
1 Yr.-3.23%
5 Yr.-1.52%
10 Yr.0.89%
Since Incep. %2.36%
Name
SubaccountGovernment Cash Management
Incep. Date07-28-1997
Most Recent Qr. Ended-0.41%
Year to Date-1.36%
1 Yr.-1.86%
5 Yr.-2.01%
10 Yr.-1.74%
Since Incep. %-0.15%
Name
SubaccountGrowth & Income
Incep. Date07-28-1997
Most Recent Qr. Ended2.93%
Year to Date9.29%
1 Yr.12.06%
5 Yr.10.12%
10 Yr.4.91%
Since Incep. %5.55%
Name
SubaccountInternational
Incep. Date07-28-1997
Most Recent Qr. Ended3.31%
Year to Date24.99%
1 Yr.13.91%
5 Yr.5.34%
10 Yr.1.59%
Since Incep. %4.04%
Name
SubaccountInvestment Grade
Incep. Date07-28-1997
Most Recent Qr. Ended0.72%
Year to Date2.40%
1 Yr.-0.61%
5 Yr.0.85%
10 Yr.2.94%
Since Incep. %3.43%
Name
SubaccountLimited Duration High Quality Bond
Incep. Date07-01-2014
Most Recent Qr. Ended0.02%
Year to Date0.06%
1 Yr.-1.67%
5 Yr.N/A
10 Yr.N/A
Since Incep. %-2.31%
Name
SubaccountOpportunity
Incep. Date12-17-2012
Most Recent Qr. Ended3.42%
Year to Date11.18%
1 Yr.15.06%
5 Yr.N/A
10 Yr.N/A
Since Incep. %11.13%
Name
SubaccountReal Estate
Incep. Date05-01-2015
Most Recent Qr. Ended-3.14%
Year to Date-5.05%
1 Yr.-7.62%
5 Yr.N/A
10 Yr.N/A
Since Incep. %-0.26%
Name
SubaccountSelect Growth
Incep. Date11-08-1999
Most Recent Qr. Ended7.67%
Year to Date21.03%
1 Yr.22.29%
5 Yr.12.46%
10 Yr.4.36%
Since Incep. %2.14%
Name
SubaccountSpecial Situations
Incep. Date07-28-1997
Most Recent Qr. Ended4.47%
Year to Date10.60%
1 Yr.18.37%
5 Yr.10.94%
10 Yr.6.54%
Since Incep. %5.07%
Name
SubaccountTotal Return
Incep. Date12-17-2012
Most Recent Qr. Ended1.81%
Year to Date5.74%
1 Yr.5.98%
5 Yr.N/A
10 Yr.N/A
Since Incep. %5.08%

The average annual Accumulation Unit Value (AUV) returns reflect the reinvestment of all dividends and capital gains in the underlying funds, the deduction of investment management fees and expenses and the deduction of the annuity contract's mortality and expense charge (M&E). For these returns, we assume that the purchase payments were allocated to each of the subaccounts on the date the subaccount was made available through the separate account that supports this variable annuity contract or in cases in which the subaccount was created after the separate account, on the subaccount inception date.

An individual cannot invest directly in any subaccount of the Life Series Funds.

This information should be read in conjunction with the current prospectus for this variable annuity contract. You should read the prospectus and carefully consider the investment objectives, risks, charges and expenses before purchasing a contract. The prospectus contains this and other important information about the contract and its underlying investment options. For more complete information on the Tax Tamer II variable annuity, you may obtain a free prospectus by downloading it from our website (link to Prospectus & Reports page), contacting your registered representative, or calling (800) 423-4026.

Tax Tamer II is no longer available for sale, however additional premium payments may be made in accordance with the contract specifications.

Tax Tamer II is not a deposit or obligation of, or guaranteed or endorsed by any bank or depository institution, nor is it federally insured by the Federal Deposit Insurance Corporation, the Federal Reserve Bank or any other agency. The contract involves risk, including possible loss of the principal amount invested.

Tax Tamer II is approved in these states with the form number listed below:

VAC (CDSC)

  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • Colorado
  • Delaware
  • Florida
  • Georgia
  • Illinois
  • Indiana
  • Iowa
  • Kentucky
  • Louisiana
  • Maryland
  • Massachusetts
  • Mississippi
  • Nebraska
  • Nevada
  • New Mexico
  • New York
  • Ohio
  • Oklahoma
  • Rhode Island
  • Tennessee
  • Texas
  • Utah
  • West Virginia
  • Wisconsin
  • Wyoming

VAC (CDSC)(Rev)

  • California
  • District of Columbia
  • Kansas
  • Maine
  • New Hampshire

VAC (CDSC)(FLX)

  • Oregon
  • Pennsylvania

VAC (CDSC)(CT)

  • Connecticut

VAC (CDSC)(ID)

  • Idaho

VAC (CDSC)(NC)

  • Michigan
  • North Carolina

VAC (CDSC)(MN)

  • Minnesota

VAC (CDSC)(NJ)

  • New Jersey
  • Missouri

VAC (CDSC)(SC)

  • South Carolina

VAC (CDSC)(W)

  • Washington

VAC (CDSC)(V)

  • Virigina

Not FDIC Insured
Not Bank Guaranteed
Not a Deposit
Not Insured by Any Government Agency

All Guarantees are subject to the financial strength and claims-paying ability of Foresters Life Insurance and Annuity Company. Foresters Life Insurance and Annuity Company makes no guarantees with respect to the investment return or principal value of the underlying subaccounts.

Ready to take the next step? Find an advisor/agent