International Emerging Markets Account (Prospectus Summary) | International Emerging Markets Account

International Emerging Markets 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	International Emerging Markets Account Class 1
Management Fees	1.25%
Other Expenses	0.15%
Total Annual Account Operating Expenses	1.40%

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
International Emerging Markets Account Class 1	143	443	766	1,680

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 86.8% 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 foreign companies, which are:

· companies with their principal place of business or principal office in        
   emerging market countries or                                                   

· companies whose principal securities trading market is an emerging market      
   country.                                                                       
  
Here, "emerging market country" means any country which is considered to be
an emerging country by the international financial community (including the
International Bank for Reconstruction and Development (also known as the World
Bank) and MSCI Emerging Markets Index). These countries generally include every
nation in the world except the United States, Canada, Japan, and Australasia,
and most nations located in Western Europe. The Account will invest in equity
securities of small, medium, and large capitalization companies.

Principal Risks

The Account may be an appropriate investment for investors seeking long-term
growth of capital in securities of emerging market countries who are able to
assume the increased risks of higher price volatility and currency fluctuations
associated with investments in international equity securities which trade in
non-U.S. currencies.
  
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.

Emerging Market Risk. Investments in emerging market countries may have more
risk than those in developed market countries because the emerging markets are
less developed and more illiquid. Emerging market countries can also be subject
to increased social, economic, regulatory, and political uncertainties and can
be extremely volatile.

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).
  
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.

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

Highest return for a quarter during the period of the bar       Q2 '09    29.44%
chart above:                                                           
Lowest return for a quarter during the period of the bar        Q3 '08   -29.34%
chart above:

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

Average Annual Total Returns International Emerging Markets Account	Average Annual Returns, Label	Average Annual Returns, 1 Year	Average Annual Returns, 5 Years	Average Annual Returns, 10 Years
Class 1	International Emerging Markets - Class 1	(17.84%)	1.07%	13.52%
MSCI - Emerging Markets NDTR D Index	MSCI - Emerging Markets NDTR D Index (reflects no deduction for fees, expenses, or taxes)	(18.42%)	2.40%	13.86%