Real Estate Securities Account (Prospectus Summary) | Real Estate Securities Account

Real Estate Securities Account

Objective:

The Account seeks to generate a total return.

Fees and Expenses of the Account

This table describes the fees and expenses that you may pay if you buy and hold
shares of the Account. These fees and expenses do not reflect the fees and
expenses of any variable insurance contract that may invest in the Account and
would be higher if they did.

Annual Account Operating Expenses (expenses that you pay each year as a percentage of the value of your investment)

Annual Fund Operating Expenses Real Estate Securities Account	Class 1	Class 2
Management Fees	0.88%	0.88%
Distribution and/or Service (12b-1) Fees		0.25%
Other Expenses	0.02%	0.02%
Total Annual Account Operating Expenses	0.90%	1.15%

Example

This Example is intended to help you compare the cost of investing in the
Account with the cost of investing in other mutual funds.

The Example assumes that you invest $10,000 in the Account for the time periods
indicated and then redeem all of your shares at the end of those periods. The
Example also assumes that your investment has a 5% return each year and that the
Account's operating expenses remain the same. If separate account expenses and
contract level expenses were included, expenses would be higher. Although your
actual costs may be higher or lower, based on these assumptions your costs would
be:

Expense Example Real Estate Securities Account (USD $)	Expense Example, With Redemption, 1 Year	Expense Example, With Redemption, 3 Years	Expense Example, With Redemption, 5 Years	Expense Example, With Redemption, 10 Years
Class 1	92	287	498	1,108
Class 2	117	365	633	1,398

Portfolio Turnover

The Account pays transaction costs, such as commissions, when it buys and sells
securities (or "turns over" its portfolio). A higher portfolio turnover rate may
indicate higher transaction costs. These costs, which are not reflected in
annual Account operating expenses or in the example, affect the Account's
performance. During the most recent fiscal year, the Account's portfolio
turnover rate was 22.4% of the average value of its portfolio.

Principal Investment Strategies

Under normal circumstances, the Account invests at least 80% of its net assets
in equity securities of companies principally engaged in the real estate
industry. For this Account's investment policies, a real estate company has at
least 50% of its assets, income or profits derived from products or services
related to the real estate industry. Real estate companies include real estate
investment trusts ("REITs") and companies with substantial real estate holdings
such as paper, lumber, hotel and entertainment companies as well as those whose
products and services relate to the real estate industry include building supply
manufacturers, mortgage lenders and mortgage servicing companies. The Account
will invest in equity securities of small, medium, and large capitalization
companies.

REITs are pooled investment vehicles that invest in income producing real
estate, real estate related loans, or other types of real estate interests.
REITs are corporations or business trusts that are permitted to eliminate
corporate level federal income taxes by meeting certain requirements of the
Internal Revenue Code.

The Account may concentrate its investments (invest more than 25% of its net
assets) in securities in the real estate industry.

The Account is considered non-diversified, which means it can invest a higher
percentage of assets in securities of individual issuers than a diversified
fund. As a result, changes in the value of a single investment could cause
greater fluctuations in the Account's share price than would occur in a more
diversified fund.

Principal Risks

The Account may be an appropriate investment for investors who seek a total
return, want to invest in companies engaged in the real estate industry and can
accept the potential for volatile fluctuations in the value of investments.

The value of your investment in the Account changes with the value of the
Account's investments. Many factors affect that value, and it is possible to
lose money by investing in the Account. An investment in the Account is not a
deposit of a bank and is not insured or guaranteed by the Federal Deposit
Insurance Corporation or any other government agency. The principal risks of
investing in the Account, in alphabetical order, are:

Equity Securities Risk. Equity securities (common, convertible preferred stocks
and other securities whose values are tied to the price of stocks, such as
rights, warrants and convertible debt securities) could decline in value if the
issuer's financial condition declines or in response to overall market and
economic conditions. A fund's principal market segment(s), such as large cap,
mid cap or small cap stocks, or growth or value stocks, may underperform other
market segments or the equity markets as a whole. Investments in smaller
companies and mid-size companies may involve greater risk and price volatility
than investments in larger, more mature companies.

Industry Concentration Risk. A fund that concentrates investments in a
particular industry or group of industries (e.g., energy, real estate,
technology, financial services) has greater exposure than other funds to market,
economic and other factors affecting that industry.

Non-Diversification Risk. A non-diversified fund may invest a high percentage of
its assets in the securities of a small number of issuers and is more likely
than diversified funds to be significantly affected by a specific security's
poor performance.

Real Estate Investment Trusts ("REITs") Risk. A REIT could fail to qualify for
tax-free pass-through of income under the Internal Revenue Code, and fund
shareholders will indirectly bear their proportionate share of the expenses of
REITs in which the fund invests.

Real Estate Securities Risk. Real estate securities are subject to the risks
associated with direct ownership of real estate, including declines in value,
adverse economic conditions, increases in expenses, regulatory changes and
environmental problems.

Risk of Being an Underlying Fund. An underlying fund of a fund of funds may
experience relatively large redemptions or investments as the fund of funds
periodically reallocates or rebalances its assets. These transactions may cause
the underlying fund to sell portfolio securities to meet such redemptions, or to
invest cash from such investments, at times it would not otherwise do so, and
may as a result increase transaction costs and adversely affect underlying fund
performance.

Performance

The following information provides some indication of the risks of investing in
the Account by showing changes in the Account's performance from year to year
and by showing how the Account's average annual returns for 1, 5, and 10 years
(or, if shorter, the life of the Account) compare with those of one or more
broad measures of market performance. Past performance is not necessarily an
indication of how the Account will perform in the future. Performance figures
for the Accounts do not include any separate account expenses, cost of
insurance, or other contract-level expenses; total returns for the Accounts
would be lower if such expenses were included.

Performance of the Class 2 shares for periods prior to inception of the class
reflects performance of the Class 1 shares, which have the same investments as
Class 2 shares, but has been adjusted downward to reflect the higher expenses of
Class 2 shares.

Calendar Year Total Returns (%) as of 12/31 each year (Class 1 Shares)

Highest return for a quarter during the period of the bar                             
chart above:                                                      Q3 '09        33.51 %
Lowest return for a quarter during the period of the bar                              
chart above:                                                      Q4 '08       -34.16 %

Average Annual Total Returns (%) For the periods ended December 31, 2011

Average Annual Total Returns Real Estate Securities Account	Average Annual Returns, Label	Average Annual Returns, 1 Year	Average Annual Returns, 5 Years	Average Annual Returns, 10 Years	Average Annual Returns, Inception Date
Class 1	Real Estate Securities Account - Class 1	8.93%	(0.49%)	12.01%	May 01, 1998
Class 2	Real Estate Securities Account - Class 2	8.72%	(0.73%)	11.75%	Jan. 08, 2007
MSCI US REIT Index	MSCI US REIT Index (reflects no deduction for fees, expenses, or taxes)	8.69%	(1.51%)	10.16%