This section provides an overview of SEC's history, mission, organization, strategic goals and objectives, year in review, forward looking information, performance highlights and a summary of financial information. This section concludes with management's assurance on internal controls, financial systems and controls, and compliance with laws and regulations.

Variable annuities have become a part of the retirement and investment plans of many Americans. Before you buy a variable annuity, you should know some of the basics- and be prepared to ask your insurance agent, broker, financial planner, or other financial professional lots of questions about whether a variable annuity is right for you. This is a in-depth description of variable annuities-what they are, how they work, and the charges you will pay. Before buying any variable annuity, however, you should find out about the particular annuity you are considering. Request a prospectus from the...