Returns for any period greater than one year are annualized. Any change in the FER of an underlying fund will affect the Expense Ratio of the investment option which invests in the underlying fund. Foreign securities are subject to increased issuer risk because foreign issuers may not experience the same degree of regulation as U. Past performance is no guarantee of future results. Please refer to the underlying prospectus or offering documents for additional information. Product features and availability may differ by state.