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Kemper ADVANTAGE III VARIABLE ANNUITY
2002 SEMI-ANNUAL REPORT
Includes semi-annual reports for:
The Alger American Fund	J.P. Morgan Series Trust II
American Century Variable Portfolios, Inc.	Janus Aspen Series
Credit Suisse Trust	ING VP Emerging Markets Fund, Inc.
The Dreyfus Socially Responsible Growth Fund, Inc.	ING VP Natural Resources Trust
Fidelity Variable Insurance Products Fund	Scudder Variable Series I
Fidelity Variable Insurance Products Fund II	Scudder Variable Series II

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Kemper Advantage III is a Flexible Payment Fixed and Variable Annuity from Kemper Investors Life Insurance Company. Issued by Kemper Investors Life Insurance Company Securities distributed by Investors Brokerage Services, Inc.
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1600 McConnor Parkway

Schaumburg, IL 60196-6801

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