PERFORMANCE DATA QUOTED REPRESENTS PAST PERFORMANCE AND DOES NOT GUARANTEE FUTURE RESULTS Performance results include reinvestment of all distributions at net value The investment return and principal value of an investment will fluctuate so that underlying fund shares, when redeemed, may be worth more or less than their original cost Current performance may be lower or higher than the performance data quoted This material is authorized for distribution only when accompanied or preceded by a prospectus for the annuity being offered The prospectus contains Investment objectives, risks, fees, charges, expenses, and other information regarding the variable annuity contract and the underlying investments, which should be considered carefully before investing You should read the prospectus carefully before investing money Non-Standardized Performance is calculated monthly and reflects hypothetical performance of a $1,000 investment from the inception date of the underlying fund (including periods predating inception in the separate account), adjusted to reflect the charges and expenses of the ForeInvestors Choice Variable Annuity B-Share, including mortality & expense risk charge of 080% and administrative charge of 020% Non-standardized performance does not reflect the impact of additional charges and fees your investment may be subject to, including an annual maintenance fee of $5000 (waived for account values of $50,00000 or more), contingent deferred sales charge which begins at 900% and declines over 5 years, and optional benefit charges Your performance will be lower than that displayed if optional benefit riders are purchased Please refer to the variable annuity product Prospectus or Product Guide for more information Monthly Non-Standardized Performance as of 07/31/2018 Investment Option 1 Month 3 Month YTD 1 Year 3 Year 5 Year 10 Year Large Cap Equity AB VPS Growth & Income - Class B 564% 537% 428% 1437% 976% 984% 862% 570% 6/01/1999 American Century VP Income and Growth - Class II 383% 553% 482% 1540% 1016% 977% 815% 614% 5/01/2002 American Century VP Value - Class II 478% 576% 390% 976% 873% 859% 847% 655% 8/14/2001 American s Growth - Class 4 184% 637% 1114% 1951% 1442% 1404% 986% 1177% 2/08/1984 American s Growth-Income - Class 4 239% 554% 832% 1716% 1158% 1217% 908% 1034% 2/08/1984 American s Blue Chip Income and Growth - Class 4 314% 635% 277% 1203% 1008% 1093% 880% 563% 7/05/2001 BlackRock Basic Value VI - Class III 447% 505% 402% 1093% 546% 738% 722% 849% 7/01/1993 BlackRock Capital Appreciation VI - Class III 106% 724% 1539% 2480% 1287% 1489% 955% 398% 4/03/2000 BlackRock Equity Dividend VI - Class III 450% 476% 344% 1118% 1039% 944% 479% 649% 7/01/1993 BlackRock S&P 500 Index VI - Class II 363% 654% 562% 1468% 1093% 1149% 907% 692% 12/13/1996 Calvert VP Nasdaq 100 Index Portfolio - Class F 2 260% 929% 1250% 2205% - - - 1658% 10/30/2015 DFA VA US Large Value Portfolio 4 401% 398% 113% 1130% 979% 983% 885% 824% 1/12/1995 Franklin Rising Dividends - Class 4 449% 729% 446% 1414% 1119% 955% 897% 531% 11/08/1996 Goldman Sachs US Equity Insights - Service Class 357% 596% 702% 1707% 1187% 1266% 946% 663% 1/09/2006 Invesco VI Comstock - Series II 410% 428% 353% 1522% 883% 892% 865% 648% 9/18/2000 Ivy VIP Core Equity 268% 644% 761% 1804% 787% 972% 817% 584% 7/16/1991 Ivy VIP Value 520% 673% 440% 846% 605% 805% 808% 512% 5/01/2001 MFS Blended Research Core Equity Portfolio - Service Class 364% 551% 387% 1283% 853% 1063% 884% 582% 8/24/2001 MFS Growth Series - Service Class 180% 764% 1359% 2266% 1371% 1453% 1076% 300% 5/01/2000 Putnam VT Equity Income - Class IB 438% 562% 400% 1385% 908% 983% 954% 896% 4/30/2003 Putnam VT Multi-Cap Core 7 405% 622% 550% 1687% 1056% 1152% 972% 408% 4/30/1998 Mid Cap Equity American Century VP Capital Appreciation - Class II 204% 484% 613% 1427% 662% - - 903% 4/25/2014 Calvert VP S&P MidCap 400 Index Portfolio - Class F 162% 599% 434% 1272% 971% 924% 893% 799% 5/03/1999 Goldman Sachs Growth Opportunities - Service Class 303% 510% 652% 1542% 733% 915% 915% 805% 1/09/2006 Goldman Sachs Mid Cap Value - Service Class 267% 435% 247% 668% 467% 664% 714% 594% 1/09/2006 Lord Abbett Mid-Cap Stock Portfolio - VC Shares 283% 321% 144% 305% 484% 694% 721% 805% 9/15/1999 MFS Mid Cap Value Portfolio - Service Class 315% 426% 287% 901% 750% 886% 832% 818% 3/07/2008 MFS Mid Cap Growth Series - Service Class 151% 802% 1269% 2103% 1157% 1314% 868% 237% 5/01/2000 Oppenheimer Discovery Mid Cap Growth /VA - Service Class 184% 541% 748% 1816% 918% 1168% 853% 094% 10/16/2000 Small Cap Equity Calvert VP Russell 2000 Small Cap Index Portfolio - Class F 164% 829% 858% 1696% 1029% 941% 841% 638% 4/27/2000 DFA VA US Targeted Value 4 199% 656% 506% 1397% 1014% 915% 941% 952% 10/03/1995 Goldman Sachs Small Cap Equity Insights - Service Class 124% 922% 1167% 2147% 1212% 1085% 988% 768% 8/31/2007 MFS Blended Research Small Cap Equity Portfolio - Service Class 244% 942% 1055% 1857% 1216% 1123% 992% 690% 5/01/2006 Oppenheimer Main Street Small Cap /VA - Service Class 119% 910% 865% 1518% 943% 1026% 982% 860% 7/16/2001 Putnam VT Small Cap Value - Class IB 158% 826% 395% 926% 958% 859% 883% 842% 4/30/1999 Sector/Theme AB VPS Real Estate Investment Portfolio - Class B 088% 858% 126% 251% 495% 629% 665% 967% 4/24/2001 Franklin Global Real Estate VIP - Class 2 2 065% 264% -009% 256% 271% 422% 326% 532% 1/06/1999 Global Atlantic Motif Technological Innovations Portfolio Class II 5-104% 650% 1824% 2883% - - - 2869% 7/29/2016 Invesco VI Global Real Estate - Series II 045% 185% -017% 301% 311% 431% 354% 663% 4/30/2004 Ivy VIP Securian Real Estate Securities 12 045% 674% -033% 060% 378% 659% 541% 613% 5/27/2004 MFS Global Real Estate Portfolio - Service Class 099% 563% 226% 619% 667% 690% 337% 540% 2/02/2004 MFS Utilities Series - Service Class 220% 403% 408% 404% 358% 510% 570% 620% 4/28/2000 Alternative Investments Oppenheimer Global Multi-Alternatives /VA - Service Class 094% 104% 009% -083% -075% - - 018% 11/14/2013 PIMCO CommodityRealReturn Strategy Portfolio - Advisor Class 3-249% -476% -332% 126% -253% -848% -753% -352% 2/28/2006 PIMCO Real Return Portfolio - Advisor Class 3-037% 006% -134% -010% 031% -004% 204% 366% 2/28/2006 Putnam VT Multi-Asset Absolute Return - Class IB 14 001% -094% -267% -019% -008% 101% - 078% 5/02/2011 Page 1 of 7
Monthly Non-Standardized Performance as of 07/31/2018 Investment Option 1 Month 3 Month YTD 1 Year 3 Year 5 Year 10 Year International/Global Equity American s International - Class 4 085% -098% 007% 650% 633% 640% 389% 723% 5/01/1990 American s Global Growth - Class 4 261% 296% 507% 1254% 929% 1038% 835% 891% 4/30/1997 American s New World - Class 4 266% -186% -207% 619% 705% 424% 343% 722% 6/17/1999 Calvert VP EAFE International Index Portfolio - Class F 257% -113% -079% 470% 323% 384% 142% 522% 11/12/2002 DFA VA International Value Portfolio 4 309% -293% -210% 613% 475% 429% 172% 545% 10/03/1995 Franklin Mutual Global Discovery VIP - Class 4 384% 157% 173% 265% 365% 564% 602% 667% 11/08/1996 Templeton Foreign VIP - Class 4 208% -160% -243% 010% 232% 165% 200% 342% 5/01/1992 Goldman Sachs International Equity Insights - Service Class 15 208% -125% -131% 402% 219% 368% 181% 149% 1/09/2006 Ivy VIP International Core Equity 177% -257% -151% 279% 356% 595% 413% 697% 5/19/1992 MFS Research International Portfolio - Service Class 275% 052% 048% 770% 369% 385% 205% 487% 8/24/2001 Oppenheimer Global /VA - Service Class 265% 368% 397% 1478% 847% 984% 797% 542% 7/13/2000 Oppenheimer International Growth /VA - Service Class 148% -196% -229% 384% 383% 415% 455% 518% 3/19/2001 Putnam VT International Value - Class IB 239% -209% -226% 265% 314% 337% 077% 233% 4/06/1998 Asset Allocation American s Asset Allocation - Class 4 226% 378% 264% 724% 798% 754% 722% 747% 8/01/1989 American s Capital Income Builder - Class 4 181% 214% -108% 182% 288% - - 211% 5/01/2014 BlackRock Global Allocation VI - Class III 180% 087% -035% 277% 340% 386% 388% 560% 2/28/1992 FTVIP Franklin Income - CL 4 199% 343% 221% 529% 568% 460% 543% 659% 1/24/1989 Global Atlantic Wilshire Dynamic Conservative Alloc Port - Cl II 6 102% 160% 024% 303% - - - 457% 4/29/2016 Global Atlantic Wilshire Dynamic Growth Alloc Port - Cl II 9 207% 301% 1657% 2321% - - - 1599% 4/29/2016 Goldman Sachs Global Trends Allocation - Service Class 151% 266% 133% 670% 298% 335% - 430% 4/16/2012 Invesco VI Balanced Risk Allocation - Series II -045% -079% -139% 406% 401% 364% - 719% 1/23/2009 Invesco VI Equity and Income - Series II 285% 262% 109% 601% 616% 676% 713% 705% 4/30/2003 Ivy VIP Asset Strategy 286% 258% 411% 1078% 257% 258% 311% 792% 5/01/1995 PIMCO All Asset Portfolio - Advisor Class 095% -167% -181% 181% 432% 233% 351% 435% 4/30/2004 PIMCO Global Multi-Asset Managed Allocation Portfolio - Adv Cl 188% 191% 071% 514% 334% 327% - 438% 4/15/2009 Putnam VT Global Asset Allocation - Class IB 203% 292% 133% 729% 553% 713% 662% 416% 4/30/1998 Managed Risk American s Managed Risk Asset Allocation - Class P2 2 208% 355% 126% 547% 592% 547% - 649% 9/28/2012 Global Atlantic American s Managed Risk Port Cl II 148% 267% 190% 645% 492% - - 496% 10/31/2013 Global Atlantic Balanced Managed Risk Port Cl II 158% 219% -001% 392% 317% - - 370% 10/31/2013 Global Atlantic BlackRock Global Allocation Managed Risk Port Cl II 172% 074% -058% 216% 105% - - 137% 10/31/2013 Global Atlantic Franklin Dividend & Income Managed Risk Port Cl II 1 334% 519% 111% 819% 535% - - 450% 4/30/2014 Global Atlantic Goldman Sachs Dynamic Trends Allocation Port Cl II 1 105% 235% -108% 227% 105% - - 080% 4/30/2015 Global Atlantic Growth Managed Risk Port Cl II 1 243% 351% 067% 700% 357% - - 350% 4/30/2014 Global Atlantic Moderate Growth Managed Risk Port Cl II 195% 283% 042% 546% 377% - - 396% 4/30/2014 Global Atlantic PIMCO Tactical Allocation Port Cl II 2 164% 164% -073% 450% 333% - - 282% 4/30/2015 Global Atlantic Select Advisor Managed Risk Port Cl II 1 221% 335% 208% 733% 468% - - 497% 10/31/2013 Global Atlantic Wellington Research Managed Risk Port Cl II 185% 409% 134% 517% 454% - - 597% 10/31/2013 Fixed Income American s Bond - Class 4 010% 035% -233% -223% 026% 085% 192% 339% 1/02/1996 BlackRock High Yield VI - Class III 2 118% 119% 070% 143% 361% 368% 525% 686% 4/20/1982 BlackRock Total Return VI - Class III -005% 021% -212% -215% 014% 089% 190% 055% 4/20/1982 Calvert VP Investment Grade Bond Index Portfolio - Class F 2-012% 027% -254% -238% - - - -009% 10/30/2015 DFA VA Global Bond 4-012% 041% -051% -112% 009% 040% 174% 337% 1/12/1995 Franklin Strategic Income - Class 4 076% 035% -133% -112% 142% 128% 381% 468% 6/30/1999 Templeton Global Bond VIP - Class 4 296% -031% 165% 076% 007% 043% 428% 588% 1/24/1989 Goldman Sachs High Quality Floating Rate - Advisor Class 010% 020% 038% 048% -007% - - -035% 10/15/2014 Goldman Sachs Core Fixed Income - Service Class 3 010% 049% -246% -247% 004% 098% 274% 236% 1/09/2006 Lord Abbett Bond-Debenture Portfolio - VC Shares 060% 052% -103% 136% 406% 433% 627% 618% 12/03/2001 Lord Abbett Short Duration Income Portfolio - VC Shares 000% 032% -029% -031% 074% - - -044% 4/14/2014 MFS Total Return Bond Series - Service Class 1 014% 013% -253% -201% 069% 132% 318% 393% 4/28/2000 PIMCO Emerging Markets Bond Portfolio - Advisor Class 186% -065% -369% -152% 372% 264% 447% 543% 3/31/2006 PIMCO International Bond Portfolio (US Dollar-Hedged) - Advisor 013% 037% 115% 225% 263% - - 323% 4/30/2014 Class 8 PIMCO VIT High Yield - Advisor 111% 088% -042% 002% 369% 360% 590% 634% 3/31/2006 PIMCO Total Return Portfolio - Advisor Class 3 011% 025% -222% -181% 041% 100% 327% 352% 2/28/2006 PIMCO Dynamic Bond Portfolio - Advisor Class 11 044% 063% 037% 121% 157% 107% - 058% 4/30/2013 Putnam VT Mortgage Securities - Class IB 16-020% 073% -063% -051% -067% 038% 254% 345% 2/01/2000 Putnam VT Income - Class IB 001% 088% -039% 048% 075% 198% 427% 380% 4/30/1998 Page 2 of 7
Monthly Non-Standardized Performance as of 07/31/2018 Investment Option 1 Month 3 Month YTD 1 Year 3 Year 5 Year 10 Year Money Market Invesco VI Government Money Market 10,13,2 004% 011% 013% -004% -062% -080% -085% 115% 5/05/1993 7-Day Current Yield (as of 07/31/18) = 053% 7-Day SEC Effective Yield as of (07/31/18) = 053% An investment in a Money Market is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency Although the portfolio seeks to preserve the value of your investment at $100 per share (unit), it is possible to lose money by investing in the fund This material is intended to provide educational information regarding the features and mechanics of the product and is intended for use with the general public It should not be considered, and does not constitute, personalized investment advice The issuing insurance company is not an investment adviser nor registered as such with the SEC or any state regulatory authority It's not acting in any fiduciary capacity with respect to any contract and/or investment inception returns are cumulative for investment options in existence for less than one year Total return includes capital appreciation (depreciation), realized gains (losses), plus dividends or interest income Page 3 of 7
PERFORMANCE DATA QUOTED REPRESENTS PAST PERFORMANCE AND DOES NOT GUARANTEE FUTURE RESULTS Performance results include reinvestment of all distributions at net value The investment return and principal value of an investment will fluctuate so that underlying fund shares, when redeemed, may be worth more or less than their original cost Current performance may be lower or higher than the performance data quoted This material is authorized for distribution only when accompanied or preceded by a prospectus for the annuity being offered The prospectus contains Investment objectives, risks, fees, charges, expenses, and other information regarding the variable annuity contract and the underlying investments, which should be considered carefully before investing You should read the prospectus carefully before investing money Annualized Returns are calculated monthly and reflect hypothetical performance of a $1,000 investment from the inception date of the underlying fund (including periods predating inception in the separate account), adjusted to reflect the charges and expenses of the ForeInvestors Choice Variable Annuity B-Share, including mortality & expense risk charge of 080%, administrative charge of 020%, annual maintenance fee of $50 and contract surrender charge in accordance with the following schedule: Year 1 2 3 4 5 6+ Charge 900% 800% 700% 600% 500% 000% Standardized Performance is calculated quarterly and reflects performance of a $1,000 investment from the inception date of the sub-account, based on the underlying funds performance (including total annual fund operating expenses) adjusted to reflect the charges and expenses of the ForeInvestors Choice Variable Annuity B-Share as described above Performance will be lower than that displayed if optional benefit riders are purchased Please refer to the variable annuity product Prospectus or Product Guide for more information Investment Option YTD 1 Year 5 Year 10 Year Annualized Returns as of 07/31/2018 Standardized Performance as of 06/30/2018 1 Year 5 Year 10 Year Large Cap Equity AB VPS Growth & Income - Class B -972% 037% 437% 343% -076% 6/01/1999-373% - - 164% 11/16/2015 American Century VP Income and Growth - Class II -918% 140% 432% 285% 011% 5/01/2002-111% - - 412% 11/16/2015 American Century VP Value - Class II -1010% -424% 309% 367% 129% 8/14/2001-824% - - 051% 11/16/2015 American s Growth - Class 4-286% 551% 898% 466% 1041% 2/08/1984 699% - - 882% 11/16/2015 American s Growth-Income - Class 4-568% 316% 703% 389% 892% 2/08/1984 322% - - 068% 5/01/2017 American s Blue Chip Income and Growth - Class 4-1123% -197% 578% 379% -205% 7/05/2001-435% - - 399% 11/16/2015 BlackRock Basic Value VI - Class III -998% -307% 176% 206% 601% 7/01/1993-599% - - -084% 11/16/2015 BlackRock Capital Appreciation VI - Class III 139% 1080% 994% 429% 4/03/2000 1478% - - 858% 11/16/2015 BlackRock Equity Dividend VI - Class III -1056% -282% 391% -154% 273% 7/01/1993-596% - - 281% 11/16/2015 BlackRock S&P 500 Index VI - Class II -838% 068% 629% 397% 271% 12/13/1996-120% - - 409% 11/16/2015 Calvert VP Nasdaq 100 Index Portfolio - Class F 2-150% 805% - - 917% 10/30/2015 972% - - 940% 11/16/2015 DFA VA US Large Value Portfolio 4-1287% -270% 445% 372% 528% 1/12/1995-531% - - -689% 5/01/2017 Franklin Rising Dividends - Class 4-954% 014% 399% 412% -253% 11/08/1996-324% - - 429% 11/16/2015 Goldman Sachs US Equity Insights - Service Class -698% 307% 759% 422% -034% 1/09/2006 108% - - 514% 11/16/2015 Invesco VI Comstock - Series II -1047% 122% 331% 371% 108% 9/18/2000-134% - - 247% 11/16/2015 Ivy VIP Core Equity -639% 404% 432% 292% 170% 7/16/1991 447% - - 189% 11/16/2015 Ivy VIP Value -960% -554% 252% 325% -154% 5/01/2001-955% - - -098% 11/16/2015 MFS Blended Research Core Equity Portfolio - Service Class -1013% -117% 543% 382% -145% 8/24/2001-329% - - 172% 11/16/2015 MFS Growth Series - Service Class -041% 866% 958% 584% 5/01/2000 1027% - - 832% 11/16/2015 Putnam VT Equity Income - Class IB -1000% -015% 442% 487% 500% 4/30/2003-305% - - 247% 11/16/2015 Putnam VT Multi-Cap Core 7-850% 287% 629% 487% -1056% 4/30/1998 123% - - 451% 11/16/2015 Mid Cap Equity Calvert VP S&P MidCap 400 Index Portfolio - Class F -966% -128% 367% 406% 388% 5/03/1999-224% - - 505% 11/16/2015 Goldman Sachs Growth Opportunities - Service Class -748% 142% 367% 453% 285% 1/09/2006-019% - - 249% 11/16/2015 Goldman Sachs Mid Cap Value - Service Class -1154% -732% 096% 209% 009% 1/09/2006-810% - - -160% 11/16/2015 Lord Abbett Mid-Cap Stock Portfolio - VC Shares -1256% -1095% 135% 217% 490% 9/15/1999-1320% - - -130% 11/16/2015 American Century VP Capital Appreciation - Class II -787% 027% - - 245% 4/25/2014-066% - - 173% 11/16/2015 MFS Mid Cap Value Portfolio - Service Class -1113% -499% 345% 319% 225% 3/07/2008-780% - - 104% 11/16/2015 MFS Mid Cap Growth Series - Service Class -131% 703% 806% 282% 5/01/2000 801% - - 707% 11/16/2015 Oppenheimer Discovery Mid Cap Growth /VA - Service Class -652% 416% 648% 291% 10/16/2000 386% - - 490% 11/16/2015 Small Cap Equity Calvert VP Russell 2000 Small Cap Index Portfolio - Class F -542% 296% 372% 323% 035% 4/27/2000 179% - - 645% 11/16/2015 DFA VA US Targeted Value 4-894% -003% 356% 459% 670% 10/03/1995-140% - - -515% 5/01/2017 Goldman Sachs Small Cap Equity Insights - Service Class -233% 747% 529% 502% 144% 8/31/2007 674% - - 749% 11/16/2015 MFS Blended Research Small Cap Equity Portfolio - Service Class -345% 457% 587% 509% 028% 5/01/2006 361% - - 755% 11/16/2015 Oppenheimer Main Street Small Cap /VA - Service Class -535% 118% 483% 509% 425% 7/16/2001-018% - - 576% 11/16/2015 Putnam VT Small Cap Value - Class IB -1005% -474% 291% 394% 501% 4/30/1999-653% - - 410% 11/16/2015 Sector/Theme AB VPS Real Estate Investment Portfolio - Class B -1274% -1149% 074% 148% 690% 4/24/2001-1184% - - -225% 11/16/2015 Franklin Global Real Estate VIP - Class 2 2-1409% -1144% -165% -304% 112% 1/06/1999-1032% - - -456% 11/16/2015 Global Atlantic Motif Technological Innovations Portfolio Class II 5 424% 1483% - - 1936% 7/29/2016 2159% - - 2529% 11/21/2016 Invesco VI Global Real Estate - Series II -1417% -1099% -160% -253% 291% 4/30/2004-889% - - -747% 5/02/2016 Ivy VIP Securian Real Estate Securities 12-1433% -1340% 119% -031% 134% 5/27/2004-1303% - - -409% 11/16/2015 MFS Global Real Estate Portfolio - Service Class -1174% -781% 132% -384% 015% 2/02/2004-727% - - 024% 11/16/2015 MFS Utilities Series - Service Class -992% -996% -074% 045% 004% 4/28/2000-836% - - -017% 11/16/2015 Page 4 of 7
Investment Option YTD 1 Year 5 Year 10 Year Annualized Returns as of 07/31/2018 Standardized Performance as of 06/30/2018 1 Year 5 Year 10 Year Alternative Investments Oppenheimer Global Multi-Alternatives /VA - Service Class -1391% -1483% - - -703% 11/14/2013-1563% - - -942% 11/16/2015 PIMCO CommodityRealReturn Strategy Portfolio - Advisor Class 3-1732% -1274% -1835% -2323% -1428% 2/28/2006-743% - - -575% 11/16/2015 PIMCO Real Return Portfolio - Advisor Class 3-1534% -1410% -689% -335% -126% 2/28/2006-1332% - - -696% 11/16/2015 Putnam VT Multi-Asset Absolute Return - Class IB 14-1667% -1419% -564% - -580% 5/02/2011-1322% - - -836% 11/16/2015 International/Global Equity American s International - Class 4-1393% -750% 052% -236% 427% 5/01/1990-409% - - 232% 11/16/2015 American s Global Growth - Class 4-893% -146% 502% 335% 594% 4/30/1997-121% - - 277% 11/16/2015 American s New World - Class 4-1607% -781% -208% -253% 331% 6/17/1999-684% - - 100% 11/16/2015 Calvert VP EAFE International Index Portfolio - Class F -1479% -930% -240% -607% 100% 11/12/2002-925% - - -244% 11/16/2015 DFA VA International Value Portfolio 4-1610% -787% -201% -562% 097% 10/03/1995-633% - - -664% 5/01/2017 Franklin Mutual Global Discovery VIP - Class 4-1227% -1135% -017% 102% 260% 11/08/1996-1392% - - -276% 11/16/2015 Templeton Foreign VIP - Class 4-1643% -1390% -499% -444% -227% 5/01/1992-1311% - - -298% 11/16/2015 Goldman Sachs International Equity Insights - Service Class 15-1531% -998% -257% -546% -725% 1/09/2006-898% - - -316% 11/16/2015 Ivy VIP International Core Equity -1551% -1121% 022% -174% 406% 5/19/1992-1026% - - -215% 11/16/2015 MFS Research International Portfolio - Service Class -1352% -630% -252% -507% -015% 8/24/2001-678% - - -129% 11/16/2015 Oppenheimer Global /VA - Service Class -1003% 078% 431% 282% -298% 7/13/2000 068% - - 366% 11/16/2015 Oppenheimer International Growth /VA - Service Class -1629% -1016% -202% -113% -106% 3/19/2001-927% - - -260% 11/16/2015 Putnam VT International Value - Class IB -1626% -1135% -298% -741% -1082% 4/06/1998-1043% - - -266% 11/16/2015 Asset Allocation American s Asset Allocation - Class 4-1136% -676% 186% 222% 456% 8/01/1989-684% - - 004% 11/16/2015 American s Capital Income Builder - Class 4-1508% -1218% - - -565% 5/01/2014-1309% - - -483% 11/16/2015 BlackRock Global Allocation VI - Class III -1435% -1123% -231% -164% 153% 2/28/1992-1109% - - -393% 11/16/2015 FTVIP Franklin Income - CL 4-1179% -871% -151% 041% 351% 1/24/1989-914% - - -135% 11/16/2015 Global Atlantic Wilshire Dynamic Conservative Alloc Port - Cl II 6-1376% -1097% - - -538% 4/29/2016-1105% - - -612% 5/02/2016 Global Atlantic Wilshire Dynamic Growth Alloc Port - Cl II 9 257% 921% - - 689% 4/29/2016 864% - - 607% 5/02/2016 Goldman Sachs Global Trends Allocation - Service Class -1267% -730% -303% - -134% 4/16/2012-749% - - -306% 11/16/2015 Invesco VI Balanced Risk Allocation - Series II -1539% -994% -255% - 314% 1/23/2009-783% - - -155% 11/16/2015 Invesco VI Equity and Income - Series II -1291% -799% 100% 233% 276% 4/30/2003-983% - - -082% 11/16/2015 Ivy VIP Asset Strategy -989% -322% -399% -288% 480% 5/01/1995-391% - - -450% 11/16/2015 PIMCO All Asset Portfolio - Advisor Class -1581% -1219% -421% -181% -076% 4/30/2004-1115% - - -091% 11/16/2015 PIMCO Global Multi-Asset Managed Allocation Portfolio - Adv Cl -1329% -886% -315% - -072% 4/15/2009-955% - - -356% 11/16/2015 Putnam VT Global Asset Allocation - Class IB -1267% -671% 149% 160% -413% 4/30/1998-720% - - -160% 11/16/2015 Managed Risk American s Managed Risk Asset Allocation - Class P2 2-1274% -853% -052% - 158% 9/28/2012-858% - - -201% 5/02/2016 Global Atlantic American s Managed Risk Port Cl II -1210% -755% - - -149% 10/31/2013-754% - - -202% 11/16/2015 Global Atlantic Balanced Managed Risk Port Cl II -1401% -1008% - - -288% 10/31/2013-1055% - - -463% 11/16/2015 Global Atlantic BlackRock Global Allocation Managed Risk Port Cl II -1458% -1184% - - -576% 10/31/2013-1179% - - -636% 11/16/2015 Global Atlantic Franklin Dividend & Income Managed Risk Port Cl II 1-1289% -581% - - -295% 4/30/2014-829% - - -157% 11/16/2015 Global Atlantic Goldman Sachs Dynamic Trends Allocation Port Cl -1508% -1173% - - -812% 4/30/2015-1210% - - -612% 11/16/2015 II 1 Global Atlantic Growth Managed Risk Port Cl II 1-1333% -700% - - -412% 4/30/2014-781% - - -346% 11/16/2015 Global Atlantic Moderate Growth Managed Risk Port Cl II -1358% -854% - - -348% 4/30/2014-909% - - -356% 11/16/2015 Global Atlantic PIMCO Tactical Allocation Port Cl II 2-1473% -950% - - -582% 4/30/2015-970% - - -399% 11/16/2015 Global Atlantic Select Advisor Managed Risk Port Cl II 1-1192% -667% - - -151% 10/31/2013-758% - - -239% 11/16/2015 Global Atlantic Wellington Research Managed Risk Port Cl II -1266% -883% - - -024% 10/31/2013-937% - - -294% 11/16/2015 Page 5 of 7
Investment Option YTD 1 Year 5 Year 10 Year Annualized Returns as of 07/31/2018 Standardized Performance as of 06/30/2018 1 Year 5 Year 10 Year Fixed Income American s Bond - Class 4-1633% -1623% -572% -367% -220% 1/02/1996-1596% - - -843% 11/16/2015 BlackRock High Yield VI - Class III 2-1330% -1257% -251% 041% 481% 4/20/1982-1252% - - -312% 11/16/2015 BlackRock Total Return VI - Class III -1612% -1615% -566% -369% 4/20/1982-1574% - - -844% 11/16/2015 Calvert VP Investment Grade Bond Index Portfolio - Class F 2-1654% -1638% - - -863% 10/30/2015-1595% - - -875% 11/16/2015 DFA VA Global Bond 4-1451% -1512% -633% -385% -175% 1/12/1995-1466% - - -1622% 5/01/2017 Franklin Strategic Income - Class 4-1533% -1512% -529% -104% -025% 6/30/1999-1514% - - -633% 11/16/2015 Templeton Global Bond VIP - Class 4-1235% -1324% -639% -014% 206% 1/24/1989-1679% - - -916% 11/16/2015 Goldman Sachs High Quality Floating Rate - Advisor Class -1362% -1352% - - -809% 10/15/2014-1362% - - -890% 11/16/2015 Goldman Sachs Core Fixed Income - Service Class 3-1646% -1647% -554% -240% -368% 1/09/2006-1630% - - -876% 11/16/2015 Lord Abbett Bond-Debenture Portfolio - VC Shares -1503% -1264% -173% 184% 182% 12/03/2001-1197% - - -247% 11/16/2015 Lord Abbett Short Duration Income Portfolio - VC Shares -1429% -1431% - - -862% 4/14/2014-1405% - - -785% 11/16/2015 MFS Total Return Bond Series - Service Class 1-1653% -1601% -516% -181% -112% 4/28/2000-1579% - - -779% 11/16/2015 PIMCO Emerging Markets Bond Portfolio - Advisor Class -1769% -1552% -368% -027% 089% 3/31/2006-1657% - - -376% 11/16/2015 PIMCO International Bond Portfolio (US Dollar-Hedged) - Advisor -1285% -1175% - - -408% 4/30/2014-1154% - - -571% 11/16/2015 Class 8 PIMCO VIT High Yield - Advisor -1442% -1398% -258% 144% 183% 3/31/2006-1405% - - -1492% 5/01/2017 PIMCO Total Return Portfolio - Advisor Class 3-1622% -1581% -558% -160% -174% 2/28/2006-1541% - - -794% 11/16/2015 PIMCO Dynamic Bond Portfolio - Advisor Class 11-1363% -1279% -570% - -604% 4/30/2013-1279% - - -604% 11/16/2015 Putnam VT Mortgage Securities - Class IB 16-1463% -1451% -630% -251% -181% 2/01/2000-1440% - - -913% 11/16/2015 Putnam VT Income - Class IB -1439% -1352% -438% -045% -226% 4/30/1998-1324% - - -711% 11/16/2015 Money Market Invesco VI Government Money Market 10,13,2-1387% -1404% -788% -797% 5/05/1993-1412% - - -974% 11/16/2015 7-Day Current Yield (as of 07/31/18) = 053% 7-Day SEC Effective Yield as of (07/31/18) = 053% An investment in a Money Market is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency Although the portfolio seeks to preserve the value of your investment at $100 per share (unit), it is possible to lose money by investing in the fund The ForeInvestors Choice Variable Annuity is available in multiple share classes, which each have different fees and charges as described in the prospectus Your financial professional s commission may also differ depending upon the share class selected You should discuss which share class is right for you with your financial professional based on the available options Important share class considerations include, but are not limited to, your investment holding period and investment flexibility inception returns are cumulative for investment options in existence for less than one year Total return includes capital appreciation (depreciation), realized gains (losses), plus dividends or interest income Each American s Insurance Series Class 4 fund did not offer Class 4 shares prior to 12/14/2012 Hypothetical performance that predates the inception of each American s Insurance Series Class 4 fund in the separate account is computed by deducting the additional Class 4 total annual fund operating expenses and the Separate Account Annual Expenses from the performance of the Class 1 fund performance The performance of the Class 4 funds will be lower than the Class 1 funds because of these higher fees and expenses Each BlackRock Class III fund did not offer Class III shares prior to the following dates: BlackRock Global Allocation VI, 11/18/2003; BlackRock Total Return VI, 8/14/2012 The BlackRock S&P 500 Index VI did not offer Class II shares prior to 9/30/2004 Hypothetical performance that predates the inception of each BlackRock fund in the separate account is computed by deducting the additional Class II or III (as applicable) total annual fund operating expenses and the Separate Account Annual Expenses from the performance of the Class I fund performance The performance of the Class II and Class III funds will be lower than the Class I funds because of these higher fees and expenses Each Franklin Class 4 fund did not offer Class 4 shares prior to 5/1/2008 Hypothetical performance that predates the inception of each Franklin Class 4 fund in the separate account is computed by deducting the additional Class 4 total annual fund operating expenses and the Separate Account Annual Expenses from the performance of the Class 1 fund performance The performance of the Class 4 funds will be lower than the Class 1 funds because of these higher fees and expenses Investing in an annuity through a tax-advantaged retirement plan such as an IRA provides no additional tax advantage from the annuity, and should only be considered if it makes sense because of the annuity's other features, such as lifetime income payments or death benefit protection This information is written in connection with the promotion or marketing of the matter(s) addressed in this material The information cannot be used or relied upon for the purpose of avoiding IRS penalties These materials are not intended to provide tax, accounting or legal advice As with all matters of a tax or legal nature, your clients should consult their own tax or legal counsel for advice The investment options listed have certain associated risks For more information about these risks, and to learn more about each investment option s investment objective, charges and expenses, please refer to the prospectus Page 6 of 7
1 Returns reflect the deduction of an annual fund facilitation fee of 005% 2 Returns reflect the deduction of an annual fund facilitation fee of 010% 3 Returns reflect the deduction of an annual fund facilitation fee of 015% 4 Returns reflect the deduction of an annual fund facilitation fee of 035% 5 Effective February 16, 2018, the Global Atlantic Motif Technological Innovations Portfolio is closed to new and subsequent Premium Payments and transfers of Contract Value 6 Effective February 16, 2018, the Global Atlantic Wilshire Dynamic Conservative Allocation Portfolio is closed to new and subsequent Premium Payments and transfers of Contract Value 7 Name change effective June 30, 2018 Formerly known as Putnam VT Investors 8 Name change effective July 30, 2018 Formerly known as PIMCO Foreign Bond Portfolio (US Dollar-Hedged) 9 Effective February 16, 2018, the Global Atlantic Wilshire Dynamic Growth Allocation Portfolio is closed to new and subsequent Premium Payments and transfers of Contract Value 10 Effective April 20, 2018, assets of the AB VPS Global Bond Portfolio were liquidated and invested in the Invesco VI Government Money Market 11 Name change effective July 30, 2018 Formerly known as PIMCO Unconstrained Bond Portfolio 12 Name change effective April 30, 2018 Formerly known as Ivy VIP Advantus Real Estate Securities 13 Effective April 27, 2018, assets of the Goldman Sachs Strategic Income were liquidated and invested in the Invesco VI Government Money Market 14 Name change effective April 30, 2018 Formerly known as Putnam VT Absolute Return 500 15 Name change effective April 23, 2018 Formerly known as Goldman Sachs Strategic International Equity 16 Name change effective April 30, 2018 Formerly known as Putnam VT American Government Income ^Value is incalculable as a result of market performance and fees which when applied to the initial investment amount (as described above) resulted in exhaustion of the account value during the reported time period The 7-Day SEC Effective Yield more closely reflects current earnings of the Invesco VI Government Money Market - Series I ForeInvestors Choice is a flexible premium variable annuity issued by Forethought Life Insurance Company, 10 West Market Street, Suite 2300, Indianapolis, IN: FL-FPVA-12, FL-FPVA-12CA, FL-FPVA-12CT, FL-FPVA-12FL, FLFPVA-12MT, ICC12-FLICVA ForeInvestors Choice is underwritten and distributed by Global Atlantic Distributors, LLC Global Atlantic Financial Group (Global Atlantic) is the marketing name for Global Atlantic Financial Group Limited and its subsidiaries, including Forethought Life Insurance Company and Accordia Life and Annuity Company Each subsidiary is responsible for its own financial and contractual obligations Not a bank deposit Not FDIC/NCUA insured Not insured by any federal agency No bank guarantee May lose value 144077115 Page 7 of 7