The Tax Tamer ® I - First Investors

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What about dividends and other distributions?................................................................ 84What about taxes? ............................................................................................................ 84FINANCIAL HIGHLIGHTS ......................................................................................................... 85Cash Management FundEquity Income FundFund For IncomeGovernment FundGrowth & Income FundInternational FundInvestment Grade FundOpportunity FundSelect Growth FundSpecial Situations FundTarget Maturity 2015 FundTotal Return Fund
THE FUNDS SUMMARY SECTIONCASH MANAGEMENT FUNDInvestment Objective: The Fund seeks to earn a high rate of current income consistent with thepreservation of capital and maintenance of liquidity.Fees and Expenses of the Fund: This table describes the fees and expenses that you may pay if youbuy and hold shares of the Fund. Investments in the Fund can only be made through a variableannuity contract or life insurance policy offered by a participating insurance company. This tabledoes not reflect the fees and expenses that are or may be imposed by a variable annuity contract orlife insurance policy for which the Fund is an investment option. For information regarding thosefees and expenses, please refer to the applicable variable annuity contract or life insurance policyprospectus. If those fees and expenses were included, the overall fees and expenses shown in thetable would be higher.Shareholder Fees (fees paid directly from your investment)Maximum sales charge (load) imposed on purchasesN/A(as a percentage of offering price)Maximum deferred sales charge (load) (as a percentage of the lower ofN/Apurchase price or redemption price)Annual Fund Operating Expenses (expenses that you pay each year as apercentage of the value of your investment)Management Fees 0.75%Distribution and Service (12b-1) FeesNoneOther Expenses 0.24%Total Annual Fund Operating Expenses 0.99%ExampleThe Example is intended to help you compare the cost of investing in the Fund with the cost ofinvesting in other mutual funds. The Example assumes that you invest $10,000 in the Fund for thetime periods indicated and then redeem all of your shares at the end of those periods. The Examplealso assumes that your investment has a 5% return each year and that the Fund’s operating expensesremain the same. The table below does not include the fees or expenses that are or may beimposed by a variable annuity contract or life insurance policy for which the Fund is an investmentoption. If they were included, the expenses shown in the table below would be higher. Althoughyour actual costs may be higher or lower, based on these assumptions your costs would be:1 year 3 years 5 years 10 yearsCash Management Fund $101 $315 $547 $1,2131
Page 1: The Tax Tamer ® IAn Individual Var
Page 4 and 5: CONTENTSFEES AND EXPENSES .........
Page 6 and 7: Subaccount - A segregated investmen
Page 8 and 9: The next table shows the minimum an
Page 10 and 11: SubaccountAtAccumulationUnit Value(
Page 12 and 13: OVERVIEW OF THE CONTRACTThis overvi
Page 14 and 15: Accumulated Value (such as those th
Page 16 and 17: THE CONTRACT IN DETAILAPPLICATION A
Page 18 and 19: WHAT ARE THE RISKS TOCONTRACTOWNERS
Page 20 and 21: Annuity Payments are estimated to b
Page 22 and 23: Accumulation Units following receip
Page 24 and 25: Sales Charge Table for Separate Acc
Page 26 and 27: and thus loses the benefit of tax d
Page 28 and 29: esult of the earnings or realized c
Page 30 and 31: of Our next Business Day. To meet O
Page 32 and 33: TABLE OF CONTENTS OF THE STATEMENT
Page 34 and 35: This page intentionally left blank.
Page 37: TABLE OF CONTENTSTHE FUNDS SUMMARY
Page 41 and 42: Performance: The following bar char
Page 43 and 44: Portfolio Turnover: The Fund paystr
Page 45 and 46: Investment Adviser: First Investors
Page 49 and 50: Average Annual Total Returns For Pe
Page 53 and 54: Total Annual Returns For Calendar Y
Page 57 and 58: INTERNATIONAL FUNDInvestment Object
Page 59 and 60: countries tend to be more unstable
Page 61 and 62: INVESTMENT GRADE FUNDInvestment Obj
Page 63 and 64: Liquidity Risk. High yield debt sec
Page 65 and 66: OPPORTUNITY FUNDInvestment Objectiv
Page 67 and 68: Total Annual Returns For Calendar Y
Page 71 and 72: Investment Adviser: First Investors
Page 75 and 76: TARGET MATURITY 2015 FUNDInvestment
Page 77 and 78: Security Selection Risk. Securities
Page 79 and 80: TOTAL RETURN FUNDInvestment Objecti
Page 81 and 82: Credit Risk. This is the risk that
Page 83 and 84: Other Important InformationPurchase
Page 85 and 86: CASH MANAGEMENT FUNDWhat are the Ca
Page 87 and 88: EQUITY INCOME FUNDWhat are the Equi
Page 89 and 90:
FUND FOR INCOMEWhat are the Fund Fo
Page 91 and 92:
Liquidity Risk:High yield debt secu
Page 93 and 94:
The Statement of Additional Informa
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GROWTH & INCOME FUNDWhat are the Gr
Page 97 and 98:
INTERNATIONAL FUNDWhat are the Inte
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Mid-Size and Small-Size Company Ris
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and procedures with respect to disc
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OPPORTUNITY FUNDWhat are the Opport
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SELECT GROWTH FUNDWhat are the Sele
Page 107 and 108:
SPECIAL SITUATIONS FUNDWhat are the
Page 109 and 110:
TARGET MATURITY 2015 FUNDWhat are t
Page 111 and 112:
TOTAL RETURN FUNDWhat are the Total
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example, securities issued by the F
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Mr. Miska is primarily responsible
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performance of the U.S. Treasury an
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Fund’s net asset value to be mate
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FIMCO expects all insurance compani
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FINANCIAL HIGHLIGHTSThe financial h
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TotalReturnRatios/Supplemental Data
Page 127 and 128:
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Page 131 and 132:
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Page 138:
LIFE SERIES FUNDSCash ManagementEqu
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The Tax Tamer ® I - First Investors

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