Subaccount performance return

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.

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) 832-7783.

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.

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.

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) 832-7783.

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.

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.

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) 832-7783.

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.

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.

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) 832-7783.

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.

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.

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) 832-7783.

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.