Average annual total return and total return are historical and include change in share value and reinvestment of dividends and capital gains , if any.

♦The Advisor has contractually agreed to waive up to the full amount of the Management Fee and to reimburse the Life Solutions Funds for all expenses to the extent that total expenses (exclusive of non-recurring account fees and extraordinary expenses) exceed .45% until December 31, 2008. The other expenses and total annual expenses shown above have been restated to reflect the reimbursement.

Shares of the SSgA® funds are not insured by the FDIC or by another governmental agency: they are not obligations of the FDIC nor are they deposits or obligations of or guaranteed by State Street Bank and Trust Company. The SSgA funds pay State Street Bank and Trust Company for its services as custodian, transfer agent and shareholder servicing agent and pays SSgA Funds Management, Inc., an affiliate of State Street Bank and Trust Company, for investment advisory services.

The Expense Ratio displayed above excludes the expense from the underlying funds, which is 0.85%.

Derivative investments may involve risks such as potential illiquidity of the markets and additional risk of loss of principal.

Diversification does not ensure against loss.

International markets entail different risks than those typically associated with domestic markets, including foreign currency fluctuation, political and economic instability, accounting changes and foreign taxation.

Composite Market Index components: 65% Russell 3000®, 15% MSCI® EAFE®, 20% Lehman Aggregate Bond Index. Indexes are unmanaged and can not be invested in directly.