EFTA00614756.pdf

John Hancock CLIENT GUIDE I Guide to Investing 3 Aggressive Growth You want maximum growth over the long run and are comfortable with considerable risk in the short term. JHVIT PORTFOLIO NAME ASSET MANAGEMENT FIRM Emerging Markets Value Dimensional Fund Advisors Real Estate Securities Deutsche Asset Management International Small Company Dimensional Fund Advisors Small Cap Opportunities Invesco Advisers, Inc./Dimensional Fund Advisors International Equity Index B SSgA Funds Management, Inc. Small Cap Index John Hancock Asset Management Science & Technology T. Rowe Price Associates, Inc./Allianz Global Investors U.S. LLC Financial Industries John Hancock Asset Management International Value Franklin° Templeton° American New World Capital Research and Management Company' American Global Growth Capital Research and Management Company' Mid Cap Stock Wellington Management Company, LLP American International Capital Research and Management Company' Small Cap Growth Wellington Management Company, LLP International Core Grantham, Mayo, Van Otterloo & Co. LLC International Growth Stock Invesco Advisers, Inc. Fundamental All Cap Core John Hancock Asset Management Health Sciences T. Rowe Price Associates, Inc. Growth Growth of your money is your main concern, but you prefer to limit your risk somewhat. JHVIT PORTFOLIO NAME ASSET MANAGEMENT FIRM Small Company Value T. Rowe Price Associates, Inc. Small Cap Value Wellington Management Company, LLP Mid Cap Index John Hancock Asset Management Value Invesco Van Kampen American Growth Capital Research and Management Company' Mid Value T. Rowe Price Associates, Inc. Global Franklin° Templeton° Blue Chip Growth T. Rowe Price Associates, Inc. All Cap Core QS Investors, LLC Fundamental Large Cap Value John Hancock Asset Management Total Stock Market Index John Hancock Asset Management Capital Appreciation Jennison Associates LLC EFTA00614756  John Hancock CLIENT GUIDE I Guide to Investing Growth & Income Both growth and security are important to you and you want to pursue both in equal measure. JNVIT PORTFOLIO NAME ASSET MANAGEMENT FIRM Equity-Income T. Rowe Price Associates, Inc. Alpha Opportunities Wellington Management Company, LLP Franklin Templeton Founding Allocation John Hancock Asset Management U.S. Equity Grantham, Mayo, Van Otterloo & Co. LLC 500 Index B John Hancock Asset Management Utilities MFS Investment Management American Growth-Income Capital Research and Management Company' Core Strategy John Hancock Asset Management American Asset Allocation Capital Research and Management Company' Capital Appreciation Value T. Rowe Price Associates, Inc. PIMCO VIT. All Asset Portfolio Pacific Investment Management Company LLC Income You feel a strong need to protect your assets while pursuing a modest level of growth. JHVIT PORTFOLIO NAME ASSET MANAGEMENT FIRM High Yield Western Asset Management Company Global Bond Trust Pacific Investment Management Company LLC Real Return Bond Pacific Investment Management Company LLC Strategic Income Opportunities John Hancock Asset Management Active Bond Declaration Management & Research LLC/John Hancock Asset Management Investment Quality Bond Wellington Management Company, LLP Total Return Pacific Investment Management Company LLC Core Bond Wells Capital Management, Inc. Total Bond Market B Declaration Management & Research LLC Bond John Hancock Asset Management Short Term Government Income John Hancock Asset Management Ultra Short Term Bond John Hancock Asset Management Conservative Security is your greatest concern. You couldn't sleep at night if your portfolio returns fluctuated greatly. JHVIT PORTFOLIO NAME ASSET MANAGEMENT FIRM Money Market B5 John Hancock Asset Management EFTA00614757  Pacific Life VALUE BLEND GROWTH • BlackRock• Basic Value V.I. III American Funds• Growth-Income American Funds Growth Comstock • Dreyfus VW Appreciation Service Shares ClearBridge Variable Aggressive Growth Cl II • Large-Cap Value • Equity Index Dividend Growth I Rowe Price Equity Income-II • VW Contrafund• Service Class 2 • Fidelity VIP Growth Service Class 2 Value Advantage • Lazard Retirement US Strategic Equity Focused Growth • Lord Abbett Series Fund Fundamental Equity VC Growth • Main Street• Core Large-Cap Growth Neuberger Berman MIT Socially Responsive - I Shares T. Rowe Price Blue Chip Growth-II ▪ American Century VP Mid Cap Value II ClearBridge Variable Mid Cap Core Class II • Fidelity VIP Mid Cap Service Class 2 ▪ Mid-Cap Value • Fidelity VW Value Strategies Service Class 2 Janus Aspen Enterprise Service Shares • Mid-Cap Equity • Mid-Cap Growth • Small-Cap Value e Royce Capital Fund - Micro-Cap Service Class • Lord Abbett Series Fund Developing Growth VC • Small-Cap Equity • MFS V1T New Discovery Series Service Class • Small-Cap Index ASSET ALLOCATION STRATEGIC ASSET ALLOCATION TACTICAL ASSET ALLOCATION _A Fidelity VIP Freedom 2010 Service Class 2 Fidelity VIP Freedom Income Seivice Class 2 Ainei.can Funds Asset Allocation Fidelity VIP Freedom 2015 Service Class 2 Pacific Dynamix - Conservative Growth BlackRock Global Allocation V.I. III Fidelity VIP Freedom 2020 Service Class 2 Pacific Dynamix - Moderate Growth GE Investments Total Return Fund Class 3 Fidelity VIP Freedom 2025 Service Class 2 Pacific Dynamix - Growth Lazard Retirement Global Dynamic Multi Asset Fidelity VIP Freedom 2030 Service Class 2 Portfolio Optimization Conservative PIMCOVIT Global Multi-Asset Managed Allocation - Fidelity VIP Freedom 2035 Service Class 2 Portfolio Optimization Moderate-Conservative Advisor Class Fidelity VIP Freedom 2045 Service Class 2 Portfolio Optimization Moderate Portfolio Optimization Growth Portfolio Optimization Aggressive-Growth FIXED INCOMi • Fidelity VIP Money Market Service Class Diversified Bond • Health Sciences Floating Rate Income ▪ MFS VIT Utilities Series Service Class Floating Rate Loan ▪ Real Estate High Yield Bond ▪ Technology Inflation Managed Inflation Strategy Lord Abbett Series Fund Bond Debenture 11C Lord Abbett Series Fund Total Return VC Managed Bond Short Duration Bond INEIGING MARKETS/INTERNATIONAL • Emerging Markets • Templeton Global Bond VIP Class 2 • Currency Strategies • Emerging Markets Debt • Global Absolute Return • International Large-Cap • Long/Short Large-Cap • International Small-Cap • Precious Metals • International Value • Van Eck VIP Global Hard Assets Initial Class • Invesco VJ. International Growth II • Janus Aspen Overseas Service Shares • Oppenheimer Global FundNA Service Shares • Templeton Foreign VIP Class 2 Threament styles and categories bastion hlominantar Direct as 112/31/13. knots-trent options current as 15.1.14. EFTA00614758  PHILADELPHIA FINANCIAL Insurance Dedicated Mutual Funds Insurance dedicated mutual funds are available only through the purchase of variable annuity contracts or variable life insurance policies offered by life insurance companies. Insurance dedicated mutual funds do not offer their shares to the public. Please contact Philadelphia Financial for additional information about these finds. BlackRock Investments, LLC A Prospectus or a Fact Sheet for thefollowing portfolios of the BlackRock Variable Series Funds, Inc. are available upon request. Perfortnana information is updated on a quarterly basis. BlackRock Basic Value V.I. Fund BlackRock Capital Appreciation V.I. Fund BlackRock Global Allocation V.I. Fund BlackRock Global Opportunities V.I. Fund BlackRock High Yield V.I. Fund BlackRock International Value V.I. Fund BlackRock Large Cap Core V.I. Fund BlackRock Large Cap Growth V.I. Fund BlackRock Large Cap Value V.I. Fund BlackRock Managed Volatility V.I. Fund BlackRock S&P 500 Index V.I. Fund BlackRock Total Return V.I. Fund BlackRock U.S. Government Bond V.I. Fund BlackRock Value Opportunities V.I. Fund Dimensional Fund Advisors* A Prospectusfor the following portfolios of DFA Investment Dimensions Group Inc. is available upon request. The prospectus is updated on an annual basis. VA Global Bond Portfolio VA Global Moderate Allocation Portfolio VA International Small Portfolio VA International Value Portfolio VA Short-Term Fixed Portfolio VA U.S. Large Value Portfolio VA U.S. Targeted Value Portfolio *Financial Advisors new to Dimensional Fund Advisors require prior approval by Dimensional Fund Advisors ENDURING BY NATURE. Custom by design. One Lberly Place 1 1650 Market Street. Sr Floor I PP.leclelpela. PA 19103 I I 800 73h 3280 I wwte phillbtIONafOnanOat corn EFTA00614759  PHILADELPHIA FINANCIAL Insurance Dedicated Mutual Funds Dreyfus In vestment Portfolios A prospectusfor the following portfolios and funds is available upon req . The prospectus is updated on an annual basis Dreyfus Stock Index Fund Portfolio Dreyfus Variable Investment Fund Appreciation Portfolio Dreyfus Variable Investment Fund Growth and Income Portfolio Dreyfus Variable Investment Fund International Value Portfolio Dreyfus Variable Investment Fund Money Market Portfolio Dreyfus Variable Investment Fund Quality Bond Portfolio The Vanguard Group, Inc. A Prospectus or a Fact Sheet for thefollowing portfolios of the Vanguard Insurance Fund are available upon request. The prospectus is updated on an annual basis. Balanced Portfolio Diversified Value Portfolio Equity Income Portfolio Equity Index Portfolio Growth Portfolio High Yield Bond Portfolio International Portfolio Mid-Cap Index Portfolio Money Market Portfolio • REIT Index Portfolio Short-Term Investment Grade Portfolio Small Company Growth Portfolio Total Bond Market Index Portfolio ENDURING BY NATURE. Custom by design. One Leterty Place 1 1650 Market Street. 54 Floor I Phtlaclelphia. PA 19103 1 I 800 y06. 3380 I were, preladelP0talegleetat eeen EFTA00614760  Prudential INVESTMENT OPTIONS MAGNASTAR SPECIALTY PORTFOLIOS LARGE-CAP VALUE PORTFOLIOS 'AST- COHEN & STEERS REALTY PORTFOLIO • AMERICAN CENTURY INVESTMENTS VP VALUE .ASP•• T. ROWE PRICE NATURAL RESOURCES PORTFOLIO • AST••• LARGE-CAP VALUE PORTFOLIO • PSF NATURAL RESOURCES • M LARGE CAP VALUE FUND • PSF VALUE INTERNATIONAL EQUITY PORTFOLIOS • PSF EQUITY • JANUS ASPEN OVERSEAS BALANCED PORTFOLIOS M INTERNATIONAL EQUITY FUND PSF GLOBAL • AST••• PRESERVATION ASSET ALLOCATION PORTFOLIO PSF SP INTERNATIONAL VALUE • PSF CONSERVATIVE BALANCED T. ROV/E PRICE INTERNATIONAL STOCK PORTFOLIO • PSF FLEXIBLE MANAGED SMALL/MID-CAP GROWTH PORTFOLIOS FIXED-INCOME PORTFOLIOS .ASP•• SMALL-CAP GROWTH PORTFOLIO F AST••• PIMCO LIMITED MATURITY BOND PORTFOLIO DREYFUS MIDCAP STOCK PORTFOLIO AST••• BLACKROCK/LOOMIS SAYLES BOND PORTFOLIO GOLDMAN SACHS VIT SMALL CAP EQUITY INSIGHTS r PIMCO VIT REAL RETURN PORTFOLIO M CAPITAL APPRECIATION FUND PSF DIVERSIFIED BOND PSF SP PRUDENTIAL U.S. EMERGING GROWTH r PSF GOVERNMENT INCOME PSF HIGH YIELD BOND SMALL-CAP BLEND PORTFOLIOS ASSET ALLOCATION PORTFOLIO r DEUTSCHE SMALL CAP INDEX VIP PSF SMALL CAPITALIZATION STOCK • PIMCO VIT ALL ASSET PORTFOLIO SMALUMID-CAP VALUE PORTFOLIOS MONEY MARKET PORTFOLIO 'ASP" SMALL-CAP VALUE PORTFOLIO PSF MONEY MARKET PSF SP SMALL CAP VALUE FIXED-RATE OPTION LARGE-CAP GROWTH PORTFOLIOS r FIXED-RATE OPTION (3% MINIMUM GUARANTEE) .ASP•• LOOMIS SAYLES LARGE-CAP GROWTH PORTFOLIO .ASP•• T. ROWE PRICE LARGE-CAP GROWTH PORTFOLIO M LARGE CAP GROWTH FUND PSF JENNISON PSF JENNISON 20/20 FOCUS PSF STOCK INDEX '""AST" refers to Advanced Series Trust funds. Magnastar offers variable investment options that invest in funds offered through the Advanced Series Trust. These variable investment options have the prefix "AST." The AST variable investment options are also available in variable annuity ccntractswe otter. Some of these variable annuitycontracts otter optional living benefits that utilize a predetermined mathematical formula (the 'formula') to manage the guarantees offered in connection \Nit those optional benefits. Clients should be aware that the operation of the formula in those variable annuity contracts may result in large-scale asset flows into and out of the underlying funds through a series of transfers. In addition to increasing the funds' expenses, the asset flows may adversely affect performance by (i) requiring the funds to purchase or sell securities at inopportune times; (ii) otherwise limiting the subadvisor's ability to fully implement the funds' investment strategies; or (iii) requiring the funds to hold a larger portion of their assets in highly liquid securities than they otherwise would hold. Before clients allocate to these variable investment options. they should consider the impact the formula will have on each fund's risk profile. expenses. and performance. There is no guarantee that dollar cost averaging will ensure a profit or protect your policy against loss in declining markets. Such a plan involves a continuous investment in securities regardless of the fluctuating price levels of such securities. Before investing, clients should consider their financial ability to continue purchases through periods of low price levels. Like most variable life insurance policies. Magnastar contains exclusions. limitations. reductions of benefits. and terms for keeping them in force. Magnastar is a private placement variable life policy issued by Pruco Life Insurance Company, located at 213 Washington Street. Newark. NJ 07102-3777 and distributed by Pruco Securities. LLC. 751 Broad Street. Newark. NJ 07102-3777. Both are Prudential Financial companies. Each company is solely responsible for its respective financial condition and contractual obligations. Investors should consider the investment objectives. risks. and charges and expenses carefully before investing in the contract, and/or underlying portfolios. The prospectus. and, it available. the summary prospectus. contain this information as well as other important information. A copy of the Magnastar Registered Fund prospectus can be obtained from the Magnastar Service Team at M Financial at (800)656-6960. Your clients should read the prospectus(es) carefully before investing. Remind clients that it is possible to lose money by investing in securities. This marketing material includes an expiration date and use of this material must be discontinued as of the expiration date. NOT FOR CONSUMER USE. 0159064-0002000 EFTA00614761  Zurich Private Placement Life Insurance Registered Insurance Dedicated Funds (IDF) Deutsche Investment Management Dimensional Fund Advisors LP Americas Inc. Deutsche Bond VIP DFA VA U.S. Targeted Value Portfolio Deutsche Capital Growth VIP DFA VA U.S. Large Value Portfolio Deutsche Global Small Cap Growth VIP DFA VA International Value Portfolio Deutsche Core Equity VIP DFA VA International Small Portfolio Deutsche International VIP DFA VA Short-Term Fixed Portfolio Deutsche Global Income Builder VIP DFA Global Bond Portfolio Deutsche Small Mid Cap Value VIP Deutsche Government & Agency Securities VIP Deutsche Money Market VIP 1. SALT Multi-Series Fund, L.P. 2. Not available in New York. 3. For sales in New York, maximum allocation restrictions may apply. Please see memorandum. 4. Approval by fund manager required prior to investment. 5. A Series of Spearhead Insurance Solutions IDF, LLC. 6. A Series of Taylor Investment Advisor, LP. Zurich American Life Insurance Company of New York Zurich American Life Insurance Company Administrative Office: 7045 College Boulevard, Overland Park, Kansas 66211-1523, 877-678-7534 In New York, the terms and conditions for the individual flexible premium variable annuity contract are set forth in contract form number PPVA12-01. The contract is issued by Zurich American Life Insurance Company of New York, a New York domestic life insurance company located at its registered home address of One Liberty Plaza, 165 Broadway, New York, NY 10006. It is subject to the laws of the state of New York. In all states other than New York, the terms and conditions for the individual flexible premium variable annuity contract are set forth in contract form number ICC12-PPVA-01 or applicable state variation. The terms and conditions for the individual flexible premium individual universal life policy are set forth in policy form number ICCI12-121PPVUL-01 or applicable state variation. The contract is issued by Zurich American Life Insurance Company, an Illinois domestic life insurance company, located at its registered home address of 1400 American Lane, Schaumburg, IL 60196. The contracts and policies are subject to the laws of the state where they are issued. This material is a summary of the product features only. Please read the contract or policy carefully for details. Certain coverages may not be available in all states; contract and policy provisions may vary by state. Securities are distributed by one or more registered broker-dealers. This fact sheet, and the information and materials included herein, have been prepared solely for informational purposes, and are neither an offer to sell, nor a solicitation of an offer to purchase. O2015 Zurich American Life Insurance Company Al -112003227-F (02/15) 15-0016 112004679 ZURICH EFTA00614762