Morningstar Conservative ETF Asset Allocation Portfolio Class I Class II Asset Concentration Risk Conflicts of Interest Risk ETF Risks Fixed Income Securities Risk Fixed-Income Underlying ETF Risks Fund-of-Funds Risks Management Risk Market Risk Market Timing Risk Non-Fixed Income Underlying ETF Risks Non-U.S. Securities Risk Bloomberg US Aggregate Bond Index 14% Morningstar US Market extended TR Index / 6% Morningstar Global Markets ex-US NR Index USD/ 58% Bloomberg U.S. Universal TR USD/ 12% FTSE WGBI NonUSD USD/ 10% ICE BofAML Treasury 3 Month TR Index (reflects no deduction for fees, expenses or taxes) 20% S&P 500 Index/73% Bloomberg U.S. Aggregate Bond Index /7% ICE BofAML Treasury 3 Month TR Index (reflects no deduction for fees, expenses or taxes) Morningstar Income and Growth ETF Asset Allocation Portfolio Class I Class II Equity Securities Risk Bloomberg US 1000 Index Bloomberg US Aggregate Bond Index 28% Morningstar US Market Extended TR Index / 12% Morningstar Global Markets ex-US NR Index USD/ 46% Bloomberg U.S. Universal TR USD/ 9% FTSE WGBI NonUSD USD/ 5% ICE BofAML Treasury 3 Month TR Index (reflects no deduction for fees, expenses or taxes) 40% S&P 500 Index/55% Bloomberg U.S. Aggregate Bond Index/5% ICE BofAML Treasury 3 Month TR Index (reflects no deduction for fees, expenses or taxes) Morningstar Balanced ETF Asset Allocation Portfolio Class I Class II Bloomberg US 1000 Index Bloomberg US Aggregate Bond Index 42% Morningstar US Market Extended TR Index / 18% Morningstar Global Markets ex-US NR Index USD/ 32% Bloomberg U.S. Universal TR USD/ 6% FTSE WGBI Non USD USD/ 2% ICE BofAML Treasury 3 Month TR Index (reflects no deduction for fees, expenses or taxes) 60% S&P 500 Index/38% Bloomberg U.S. Aggregate Bond Index/2% ICE BofAML Treasury 3 Month TR Index (reflects no deduction for fees, expenses or taxes) Morningstar Growth ETF Asset Allocation Portfolio Class I Class II Bloomberg US 1000 Index 56% Morningstar US Market Extended TR Index / 24% Morningstar Global Markets ex-US NR Index USD / 15% Bloomberg U.S. Universal TR USD/ 3% FTSE WGBI NonUSD USD/ 2% ICE BofAML Treasury 3 Month TR Index (reflects no deduction for fees, expenses or taxes) 80% S&P 500 Index/20% Bloomberg U.S. Aggregate Bond Index (reflects no deduction for fees, expenses or taxes) Morningstar Aggressive Growth ETF Asset Allocation Portfolio Class I Class II Bloomberg US 1000 Index 67% Morningstar US Market Extended TR Index / 28% Morningstar Global Markets ex-US NR Index USD/ 3% Bloomberg U.S. Universal TR USD/ 2% ICE BofAML Treasury 3 Month TR Index (reflects no deduction for fees, expenses or taxes) 95% S&P 500 Index/5% Bloomberg U.S. Aggregate Bond Index (reflects no deduction for fees, expenses or taxes) ALPS/Alerian Energy Infrastructure Portfolio Class I Class III Canadian Investment Risk Concentration Risk Industry Specific Risks Investment Risk Issuer Specific Risk Large-Cap, Mid-Cap and Small-Cap Companies Risk MLP Risk MLP Tax Risk PFIC Tax Risk Replication Management Risk Tracking Error Risk Bloomberg US 1000 Index Alerian Midstream Energy Select Index (reflects no deduction for fees, expenses or taxes) ALPS Global Opportunity Portfolio Class I Class III Currency Risk Emerging Markets Risk Managed Portfolio Risk Private Equity Risk Morningstar Developed Markets Index (reflects no deduction for fees, expenses or taxes) Red Rocks Global Listed Private Equity Index (reflects no deduction for fees, expenses or taxes) Morningstar Global Markets Mid Cap Index (reflects no deduction for fees, expenses or taxes) C000043421Member C000043420Member Index5Member C000043414Member C000043415Member Index8Member Index9Member C000043418Member C000043419Member Index12Member C000043412Member C000043413Member Index15Member C000125262Member Index18Member C000146220Member C000146221Member