Waterstone Financial Group has signed selling agreements with the following insurance companies:

Variable Life	Single Premium Variable Life
AIG American General Life Ameritas Life CNA Equitable First Variable Life Fortis Financial Group General American Life Hartford Life ING John Hancock Lincoln Benefit Life Lincoln National Life Manulife Financial Nationwide Life Pacific Life Phoenix Mutual Provident Mutual Prudential Annuities Security Life of Denver (ING) Transamerica Life Co. Western Reserve Life	Ameritas First Variable Life Insurance The Guardian & Annuity Co. The Hartford Group - Planco Nationwide Pacific Reserve Western Reserve Life Assurance

Investors should carefully consider the investment objectives, risks, charges and expenses. This and other important information is contained in the prospectus, which can be obtained from your investment professional and should be read carefully before investing or sending money.  Investments are not FDIC-insured, nor are they deposits of or guaranteed by a bank or any other entity.