 Investors should consider the contract and the underlying portfolio's investment objectives, risks, and charges and expenses carefully before investing. This is neither an offer nor a solicitation to purchase any products, which may be done with only a current prospectus. Investors should consider their investment objective and risks along with the product's charges and expenses before investing. Please read the prospectus carefully before investing. Structured products must be reviewed carefully to understand the terms of the risks associated with the specific structured product offered, including that they may not pay interest prior to liquidation and may be structured to pay distributions only at maturity.