LargeCap S&P 500 Index Account (Prospectus Summary) | LargeCap S&P 500 Index Account

LargeCap S&P 500 Index 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	LargeCap S&P 500 Index Account Class 1
Management Fees	0.25%
Other Expenses	0.01%
Total Annual Account Operating Expenses	0.26%

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
LargeCap S&P 500 Index Account Class 1	27	84	146	331

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 7.9% of the average value of its portfolio.

Principal Investment Strategies

Under normal circumstances, the Account invests at least 80% of its net assets
in equity securities of companies that compose the S&P 500 Index at the time of
purchase. The Index is designed to represent U.S. equities with risk/return
characteristics of the large cap universe. As of December 31, 2011, the market
capitalization range of the Index was between approximately $1.57 billion and
$401.25 billion. The Account employs a passive investment approach designed to
attempt to track the performance of the Index. The Account may utilize
derivative strategies. Specifically, the Account invests in index futures and
options on a daily basis to gain exposure to the Index in an effort to minimize
tracking error relative to the benchmark.

Note: "Standard & Poor's 500" and "S&P 500®" are trademarks of The McGraw-Hill   
       Companies, Inc. and have been licensed by Principal. The Account is not    
       sponsored, endorsed, sold, or promoted by Standard & Poor's and Standard &
       Poor's makes no representation regarding the advisability of investing in  
       the Account.

Principal Risks

The Account may be an appropriate investment for investors seeking long-term
growth of capital, willing to accept the potential for volatile fluctuations in
the value of investments and preferring a passive, rather than active,
management style.

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:
  
Derivatives Risk. Transactions in derivatives (such as options, futures,
currency contracts, and swaps) may increase volatility, cause the liquidation of
portfolio positions when not advantageous to do so and produce disproportionate
losses.

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.

Index Fund Investment Risk. More likely than not, an index fund will not provide
investment performance that matches the index performance due to cashflows and
the fees and expenses of the fund.

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 chart           
above:                                                             Q2 '09   15.69%
Lowest return for a quarter during the period of the bar chart            
above:                                                             Q4 '08  -22.01%

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

Average Annual Total Returns LargeCap S&P 500 Index Account	Average Annual Returns, Label	Average Annual Returns, 1 Year	Average Annual Returns, 5 Years	Average Annual Returns, 10 Years
Class 1	LargeCap S&P 500 Index - Class 1	1.73%	(0.51%)	2.60%
S&P 500 Index	S&P 500 Index (reflects no deduction for fees, expenses, or taxes)	2.11%	(0.25%)	2.92%