CI Synergy American Segregated Fund

Foresters Life Insurance Co. is the sole issuer of the individual variable annuity contract providing for investment in CI Segregated funds. A description of the key features of the applicable individual variable annuity contract is contained in the information folder. SUBJECT TO ANY APPLICABLE DEATH AND MATURITY GUARANTEES, ANY PART OF THE PREMIUM OR OTHER AMOUNT THAT IS ALLOCATED TO A SEGREGATED FUND IS INVESTED AT THE RISK OF THE CONTRACTHOLDER AND MAY INCREASE OR DECREASE IN VALUE ACCORDING TO FLUCTUATIONS IN THE MARKET VALUE OF THE ASSETS OF THE RELEVANT SEGREGATED FUND. Please refer to the Legal section of www.ci.com for additional information.

The funds may distribute net income, capital gains and/or a portion of the money you originally invested. Any distribution made in excess of the fund’s cumulative income generated since the fund’s inception represents a return of capital. Return on capital should not be confused with a fund’s yield (which is the income return on an investment). The monthly, quarterly, semi-annual or annual (whatever the case may be) distribution rate may change at any time if market conditions change. We will determine the distribution amounts by looking at the NAV or the unit price, as applicable, on December 31 of the previous year(or the fund’s fiscal year end). The funds will seek to provide securityholders with the distributions on a monthly, quarterly, semi-annual or annual basis (whatever the case may be) however this not guaranteed. We intend to determine the amount of the distributions from time to time; taking into account various factors including market conditions, fund’s expenses, return on underlying securities and target distributions for the relevant series. Unless requested to be paid in cash (only available for funds held in non-registered accounts), distributions will be reinvested in additional units or shares of the same series of the same fund. Any distribution made in excess of the fund’s cumulative income generated since the fund’s inception represents a return of capital. Please refer to the funds simplified prospectus for further information.