Statement of Additional Information

Underlying Fund Prospectuses

Supplement(s) to the Underlying Funds' Prospectuses

Sentinel Variable Products Trust

Balanced Fund

Bond Fund

Common Stock Fund

Mid Cap Growth Fund

Money Market Fund

Small Company Fund

AIM Variable Insurance Funds

AIM VI-Dynamics Fund

AIM VI-Global Health Care Fund

AIM VI-Technology Fund

Alger American Funds

Alger American Capital Appreciation Portfolio

Alger American Growth Portfolio

Alger American SmallCap Growth Portfolio

American Century Variable Portfolios, Inc.

VP Income & Growth Fund

VP Inflation Protection Fund

VP Value Fund

Dreyfus

Dreyfus Socially Responsible Growth Fund, Inc.

DWS Variable Series II

Equity 500 Index VIP

Small Cap Index VIP

Fidelity® Variable Insurance Product

Investment Grade Bond Portfolio

Overseas Portfolio

J.P. Morgan Series Trust II

JPMorgan International Equity Portfolio

JPMorgan Small Company Portfolio

Morgan Stanley

Core Plus Fixed Income

Emerging Markets Equity

High Yield

U.S. Real Estate

Neuberger Berman Advisors Management Trust

Partners Portfolio

Wells Fargo Variable Trust

VT Discovery Fund

VT Opportunity Fund