SmallCap Blend Account (Prospectus Summary) | SmallCap Blend Account

SmallCap Blend Account

Objective:

The Account seeks long-term growth of capital.

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	SmallCap Blend Account Class 1
Management Fees	0.85%
Other Expenses	0.03%
Acquired Fund Fees and Expenses	0.02%
Total Annual Account Operating Expenses	0.90%

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 (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
SmallCap Blend Account Class 1	92	287	498	1,108

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 69.1% 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 with small market capitalizations (those with
market capitalizations similar to companies in the Russell 2000® Index (as of
December 31, 2011, this range was between approximately $20 million and $3.7
billion)) at the time of purchase.

The Account invests in equity securities with value and/or growth
characteristics and constructs an investment portfolio that has a "blend" of
equity securities with these characteristics. Investing in value equity
securities is an investment strategy that emphasizes buying equity securities
that appear to be undervalued. The growth orientation selection emphasizes
buying equity securities of companies whose potential for growth of capital and
earnings is expected to be above average. The Account does not have a policy of
preferring one of these categories over the other.

Principal Risks

The Account may be an appropriate investment for investors seeking long-term
growth of capital and willing to 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.

Growth Stock Risk. If growth companies do not increase their earnings at a rate
expected by investors, the market price of the stock may decline significantly,
even if earnings show an absolute increase. Growth company stocks also typically
lack the dividend yield that can lessen price declines in market downturns.

Value Stock Risk. The market may not recognize the intrinsic value of value
stocks for a long time, or they may be appropriately priced at the time of
purchase.

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.

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:                                                      Q2 '03        21.34 %
Lowest return for a quarter during the period of the bar                              
chart above:                                                      Q4 '08       -26.33 %

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

Average Annual Total Returns SmallCap Blend Account	Average Annual Returns, Label	Average Annual Returns, 1 Year	Average Annual Returns, 5 Years	Average Annual Returns, 10 Years
Class 1	SmallCap Blend Account - Class 1	(1.47%)	(0.77%)	3.29%
Russell 2000 Index	Russell 2000 Index (reflects no deduction for fees, expenses, or taxes)	(4.18%)	0.15%	5.62%