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Additionally, it must be noted that there are also variable subaccounts that are not the SIO and the investment results in these variable investment options do not depend on the investment performance of a related index. Unlike an index fund, the SIO provides a return at maturity designed to provide a combination of protection against certain decreases in the index and a limitation on participation in certain increases in the index. There is a risk of substantial loss of principal because the investor agrees to absorb all losses to the extent they exceed the protection provided by the SIO at maturity..

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