Equity Income Account (Prospectus Summary) | Equity Income Account

Equity Income Account

Objective:

The Account seeks to provide a relatively high level of current income and long-term
growth of income and 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 Equity Income Account	Class 1	Class 2
Management Fees	0.48%	0.48%
Distribution and/or Service (12b-1) Fees		0.25%
Other Expenses
Total Annual Account Operating Expenses	0.48%	0.73%

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 Equity Income 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	49	154	269	604
Class 2	75	233	406	906

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 19.9% of the average value of its portfolio.

Principal Investment Strategies

Under normal circumstances, the Account invests at least 80% of its net assets
in dividend-paying equity securities. The Account usually invests in equity
securities of companies with large market capitalizations (which as of December
31, 2011 ranged between $1.57 billion and $401.25 billion, as defined by the S&P
500 Index), but may also invest in equity securities of companies with medium
market capitalizations (which as of December 31, 2011 ranged between $117
million and $20.51 billion, as defined by the Russell Midcap Index). The Account
invests in value equity securities, an investment strategy that emphasizes
buying equity securities that appear to be undervalued. The Account will also
invest in real estate investment trusts and securities of foreign issuers.

Principal Risks

The Account may be an appropriate investment for investors who seek dividends to
generate income or to reinvest for growth and who can accept fluctuations in the
value of investments and the risks of investing in real estate investment trust
securities and foreign securities.

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:
  
Currency Risk.  Risks of investing in securities denominated in, or that trade
in, foreign (non-U.S.) currencies include changes in foreign exchange rates and
foreign exchange restrictions.

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.

Foreign Securities Risk. The risks of foreign securities include loss of value
as a result of: political or economic instability; nationalization,
expropriation or confiscatory taxation; settlement delays; and limited
government regulation (including less stringent reporting, accounting, and
disclosure standards than are required of U.S. companies).

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.

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.

Performance reflects the performance of the predecessor fund. 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:                                                    Q2 '03    15.69%
Lowest return for a quarter during the period of the bar               
chart above:                                                    Q4 '08   -19.89%

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

Average Annual Total Returns Equity Income 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	Equity Income Account - Class 1	5.44%	0.43%	6.09%	Apr. 28, 1998
Class 2	Equity Income Account - Class 2	5.17%	0.19%	5.82%	May 01, 2001
Russell 1000 Value Index	Russell 1000 Value Index (reflects no deduction for fees, expenses, or taxes)	0.39%	(2.64%)	3.89%