Take a look at Horace Mann's Goal Planning Annuity (GPA) variable annuity program

Take a look at Horace Mann's Goal Planning Annuity (GPA) variable annuity program An annuity offers some significant features and guarantees. As life expectancies increase, a key retirement concern is outliving your money. With an annuity you have the opportunity to choose lifetime income options, which would supply you with income you are guaranteed not to outlive. In addition, if you die before you retire, the guaranteed minimum death benefit provides some safeguards for your family. With a Horace Mann Life Insurance Company GPA variable annuity you get that and more. Horace Mann has partnered with a number of well-known investment firms to provide educators a full range of investment options that span a wide spectrum of investment styles. From large company growth to bond options, we can help match your personal investment comfort level with the appropriate investment options. You can re-allocate your money, use dollar-cost-averaging, or use systematic rebalancing to maintain your desired investment strategy. You can also allocate contributions to a fixed account with a guaranteed interest rate. Keep a long-range outlook A variable annuity is an insurance product designed to help meet retirement needs and should be seen as part of a long-term retirement plan. However, we understand investors may want to monitor the performance results of the investment options available within our variable annuities. Therefore, we provide these monthly performance updates. Take a few minutes to review the results; we caution you to not make a purchase or allocation decision based solely on the numbers in the following tables. You may be tempted to try to chase the investment options providing the best current results. However, for that to work, you have to be right twice. You have to know when to start investing in an option and when to stop. Those are tough calls, even for professional money managers. Stock market and individual investment option performance often comes in spurts easily missed while you're waiting for just the right time to make changes. At Horace Mann, we recommend you keep a long-range focus, as annuities are long-term investments, and work closely with a Horace Mann representative to keep your goals and risk tolerance in sync with your investment option choices. Investment options performance as of July 29, 2016 These tables reflect the three-month return and average annual rates of return for each investment option within the GPA program. The effective date for the GPA product is March 1, 2006. All results for periods prior to the stated inclusion dates are hypothetical performance, and the results after those dates are actual performance of the investment options in the GPA program. The three-month return and average annual rates of return assume premiums were paid as of the beginning of the period indicated. The three-month return and average annual rates of return of each variable subaccount were adjusted for a 1.25 percent mortality and expense fee. This product includes an annual maintenance fee of $25 while the account value is less than $25,000 and offers two surrender charge schedules. The five-year surrender charge schedule is: year one, 8 percent; year two, 7.5 percent; year three, 7 percent; year four, 6 percent; year five, 5 percent and falling to 0 percent by the sixth year of the contract. The nine-year surrender charge schedule is: year one, 8 percent; year two, 7.5 percent; year three, 7 percent; year four, 6 percent; year five, 5 percent; year six, 4 percent; year seven, 3 percent; year eight, 2 percent; year nine, 1 percent and falling to 0 percent by the tenth year of the contract. Contracts with a nine-year surrender charge schedule have a 2-percent premium bonus credited to the first-year premium. Surrender charges apply to the account value withdrawn. All returns in the tables below are based on a $10,000 investment and assume no optional benefit riders have been elected. Returns would be lower if any optional benefit rider were elected. The annual maintenance fee has been deducted in calculating all returns. You should refer to your contract for your specific fees/charges. Contracts issued with lower fees/charges could experience more favorable returns. The returns measure past performance and do not guarantee future results. The actual experience may vary based on the amount of the premium and the date premium payments were made. The investment return and value of a variable annuity will fluctuate, depending on the performance of the selected investment options, and the value of the variable annuity may be worth more or less than the original investment when withdrawn. Monthly performance may found by visiting horacemann.com. Go to the Financial Services section, click on Learn more about Annuities and then click horacemann.c Monthly Investment Options Performance under the Annuity Resources section on the right and scroll to Goal Planning Annuity. IM-006406

The results in the four following tables include performance results for investment options for time periods prior to their inclusion in the contract. These results for periods prior to inclusion are calculated as if the options were part of the contract during those periods to provide historical perspective on the options and are not actual performance in the contract. Return if money remained invested in a contract without a premium bonus The results in the table below represent the return if all money remained invested in the contract at the end of the applicable time period. They reflect the mortality and expense fee and the annual maintenance fee. Because the money remained invested, they do not reflect surrender charges. Lifecycle ++Wilshire VIT 2015 Fund (1) May-06 2.87% 2.87% 3.11% 4.00% 3.25% 1.33% 3.23% ++Wilshire VIT 2025 Fund (1) May-06 2.46% 2.46% 2.73% 4.20% 3.35% 0.15% 3.44% ++Wilshire VIT 2035 Fund (1) May-06 2.01% 2.01% 2.39% 4.67% 3.63% -0.77% 3.67% Fidelity VIP Freedom 2015 Service Class 2 (11) Apr-05 4.30% -0.85% 3.77% 4.42% 3.47% -0.44% 2.75% Fidelity VIP Freedom 2025 Service Class 2 (11) Apr-05 4.85% -1.37% 4.16% 5.60% 4.25% -1.16% 3.04% Fidelity VIP Freedom 2035 Service Class 2 (11) Apr-09 11.58% -2.57% --% 6.23% 4.48% -2.70% 3.37% Fidelity VIP Freedom 2045 Service Class 2 (11) Apr-09 11.92% -2.55% --% 6.45% 4.59% -2.70% 3.36% Asset Allocation ++Morningstar Conservative ETF Portfolio Class II (7) Apr-07 1.78% 2.28% --% 1.43% 1.43% 2.08% 2.32% Fidelity VIP FundsManager 20% Service Class 2 (11) Apr-06 2.38% 0.17% 2.47% 2.09% 2.05% 0.93% 2.04% Fidelity VIP FundsManager 50% Service Class 2 (11) Apr-06 3.27% -0.53% 3.50% 4.35% 3.78% -0.16% 3.07% Fidelity VIP FundsManager 60% Service Class 2 (11) Aug-07 3.13% -0.71% --% 5.15% 4.46% -0.51% 3.40% Fidelity VIP FundsManager 70% Service Class 2 (11) Apr-06 3.45% -0.80% 3.77% 5.65% 4.65% -1.09% 3.57% Fidelity VIP FundsManager 85% Service Class 2 (11) Apr-06 3.43% -1.54% 3.81% 6.48% 5.37% -1.63% 4.20% Large value American Funds IS Blue Chip Income and Growth (10) Dec-12 14.06% 7.69% --% --% 10.38% 7.66% 5.14% ++Davis Value Portfolio Jun-99 3.45% 3.66% 3.59% 8.35% 5.67% -1.59% 3.86% ++T Rowe Price Equity Income Portfolio VIP II (1) Apr-02 4.45% 3.92% 4.13% 8.65% 4.36% 3.22% 4.57% *++Wilshire Large Company Value Portfolio Sep-92 6.60% 3.05% 3.14% 8.87% 4.71% -2.50% 3.67% Large core ++Fidelity VIP Growth and Income Portfolio (SC2) Dec-96 5.04% 4.75% 5.20% 10.70% 6.17% -0.74% 4.35% Fidelity VIP Index 500 Portfolio (SC2) Aug-92 7.55% 5.61% 5.90% 11.42% 9.20% 3.74% 5.41% JPMorgan Ins Trust U.S. Equity Portfolio Mar-95 6.94% 14.09% 7.68% 11.68% 9.00% 0.63% 4.91% *++Wilshire 5000 Index Portfolio (Invest) Jan-99 3.29% 5.32% 5.71% 10.76% 8.56% 3.17% 5.60% Large growth ^AllianceBernstein VPS Large Cap Growth Portfolio Jun-92 7.93% 5.54% 7.12% 12.58% 13.31% 1.87% 5.12% American Funds IS Growth Fund (10) Dec-12 12.31% 7.73% --% --% 9.42% 2.66% 5.86% ++Fidelity VIP Growth Portfolio (SC2) Oct-86 8.11% 5.74% 6.52% 10.08% 9.89% -1.51% 5.80% *++Wilshire Large Company Growth Portfolio Sep-92 7.40% 5.26% 6.36% 9.58% 9.78% 3.57% 6.30% Mid value ^AllianceBernstein VPS Small/Mid Cap Value (1) May-01 8.52% 5.99% 6.71% 9.58% 6.10% 1.85% 4.71% *@Ariel Appreciation Fund Dec-89 9.25% 6.21% 7.09% 9.45% 5.71% -4.01% 1.68% *^Ariel Fund Nov-86 9.70% 4.66% 5.59% 9.86% 6.71% -4.87% 2.99% "++Goldman Sachs VIT Mid Cap Value (4) Jan-06 5.01% 7.94% 5.25% 8.30% 4.96% -2.98% 6.28% MFS Mid Cap Value Portfolio (11) Jan-99 7.28% 0.97% --% 11.17% 7.67% 2.29% 4.06% page 2

Return if money remained invested in a contract without a premium bonus Mid core Calvert VP S&P MidCap 400 Index Portfolio (4) May-99 7.22% 9.79% 6.95% 9.89% 7.51% 3.30% 6.68% ++Fidelity VIP Mid Cap Portfolio (SC2) Dec-98 10.96% 5.60% 5.97% 7.63% 6.26% -2.95% 4.76% *++Rainier Small/Mid Cap Equity Portfolio May-94 8.87% 3.54% 4.24% 6.59% 3.90% -8.75% 5.84% Mid growth ++Delaware VIP Smid Cap Growth Series SC (6) Apr-00 4.43% 7.85% 9.48% 9.56% 8.58% -0.30% 3.27% ^Putnam VT Multi-Cap Growth Fund IB Shares (5) Apr-98 2.56% 11.39% 5.89% 10.11% 9.47% -1.82% 6.66% Wells Fargo VT Discovery Fund (1) May-92 8.25% 7.08% 8.38% 9.45% 4.35% -8.07% 7.43% Small value JPMorgan Small Cap Value (11) Dec-04 5.35% 0.73% 5.09% 9.14% 3.83% 4.52% 7.02% ++Royce Capital Fund Small Cap Portfolio Dec-96 9.14% 4.50% 5.18% 5.78% 1.93% -2.83% 1.92% *++Wilshire Small Company Value Portfolio Sep-92 7.57% 4.85% 5.17% 10.16% 6.82% 4.82% 6.20% Small core Dreyfus Inv Portfolios: Sm Cap Stock Index Portfolio (2) May-02 6.99% 7.76% 6.82% 10.94% 7.51% 3.99% 6.92% @Goldman Sachs VIT Structured Small Cap Equity Fund Feb-98 4.89% 3.63% 4.37% 9.12% 6.36% 1.74% 7.60% *++Neuberger Berman Genesis Fund (Advisor Class) Apr-97 9.64% 6.16% 6.67% 7.90% 5.21% 1.02% 5.65% Small growth %AllianceBernstein VPS Small Cap Growth Portfolio (1) Aug-00 3.50% 5.24% 7.21% 8.04% 3.10% -9.18% 8.32% Lord Abbett Developing Growth Portfolio (9) Apr-10 10.25% 7.67% --% 6.63% 1.68% -19.50% 10.57% Developed markets Fidelity VIP Overseas Portfolio (SC2) Jan-87 4.10% 0.90% 0.80% 1.34% 0.62% -10.59% -0.26% Emerging markets American Funds IS New World Fund (10) Dec-12 0.46% -3.47% --% --% -0.0033-0.37% 5.32% Real estate ++Delaware VIP REIT Series (Service Class) (3) May-00 10.05% 6.73% 5.74% 10.72% 11.80% 17.61% 12.36% Fidelity VIP Real Estate Portfolio Service Class 2 (11) Nov-02 10.92% 12.55% 5.73% 10.73% 11.98% 16.78% 11.50% Corporate Bond Fidelity VIP Investment Grade Bond Portfolio (SC2) Dec-88 4.11% 3.17% 3.34% 1.97% 2.45% 4.10% 2.47% Global Bond Templeton Global Bond Securities Fund - Class 4 (4) Feb-08 3.35% 0.77% --% -0.97% -2.25% -7.47% -1.66% High Yield Bond ++Fidelity VIP High Income Portfolio (SC2) Sep-85 3.42% 4.35% 4.41% 3.14% 1.62% 0.33% 3.43% Frankin High Income Securities (11) Jan-99 3.08% -3.10% 4.49% 2.92% 0.28% 0.20% 4.72% Balanced American Funds IS Managed Risk Asset Allocation (10) Sep-12 5.76% 1.65% --% --% 3.45% 1.51% 3.80% Wilshire VIT Global Allocation Fund Oct-89 5.40% 2.69% 2.79% 4.96% 3.59% -0.13% 3.38% Money market T Rowe Price Government Money Portfolio (1) Dec-96 0.85% -0.37% -0.47% -1.48% -1.49% -1.47% -0.30% page 3

Return if money remained invested in a contract with a premium bonus The results in the table below represent the return if all money remained invested in the contract at the end of the applicable time period. They reflect a 2-percent premium bonus for the first contract year, as well as the mortality and expense fee and the annual maintenance fee. Because the money remained invested, they do not reflect surrender charges. Lifecycle ++Wilshire VIT 2015 Fund (1) May-06 3.07% 3.07% 3.32% 4.41% 3.94% 3.36% 5.29% ++Wilshire VIT 2025 Fund (1) May-06 2.66% 2.66% 2.94% 4.61% 4.04% 2.16% 5.50% ++Wilshire VIT 2035 Fund (1) May-06 2.21% 2.21% 2.60% 5.09% 4.32% 1.22% 5.75% Fidelity VIP Freedom 2015 Service Class 2 (11) Apr-05 4.48% 0.75% 3.98% 4.84% 4.16% 1.56% 4.81% Fidelity VIP Freedom 2025 Service Class 2 (11) Apr-05 5.04% 0.22% 4.38% 6.03% 4.94% 0.82% 5.11% Fidelity VIP Freedom 2035 Service Class 2 (11) Apr-09 11.88% -1.00% --% 6.66% 5.18% -0.75% 5.44% Fidelity VIP Freedom 2045 Service Class 2 (11) Apr-09 12.22% -0.99% --% 6.88% 5.29% -0.75% 5.42% Asset Allocation ++Morningstar Conservative ETF Portfolio Class II (7) Apr-07 2.01% 2.70% --% 1.84% 2.10% 4.12% 4.37% Fidelity VIP FundsManager 20% Service Class 2 (11) Apr-06 2.59% 1.78% 2.67% 2.50% 2.73% 2.96% 4.08% Fidelity VIP FundsManager 50% Service Class 2 (11) Apr-06 3.47% 1.07% 3.71% 4.77% 4.47% 1.85% 5.13% Fidelity VIP FundsManager 60% Service Class 2 (11) Aug-07 3.37% 0.89% --% 5.57% 5.16% 1.48% 5.47% Fidelity VIP FundsManager 70% Service Class 2 (11) Apr-06 3.65% 0.79% 3.98% 6.07% 5.34% 0.89% 5.64% Fidelity VIP FundsManager 85% Service Class 2 (11) Apr-06 3.63% 0.04% 4.02% 6.91% 6.07% 0.34% 6.28% Large value American Funds IS Blue Chip Income and Growth (10) Jan-00 14.69% 8.65% --% --% 11.12% 9.82% 7.25% ++Davis Value Portfolio Jun-99 3.57% 3.86% 3.80% 8.79% 6.37% 0.38% 5.94% ++T Rowe Price Equity Income Portfolio VIP II (1) Apr-02 4.60% 4.12% 4.35% 9.08% 5.06% 5.28% 6.66% *++Wilshire Large Company Value Portfolio Sep-92 6.69% 3.25% 3.35% 9.30% 5.41% -0.55% 5.75% Large core ++Fidelity VIP Growth and Income Portfolio (SC2) Dec-96 5.15% 4.95% 5.41% 11.14% 6.88% 1.26% 6.43% Fidelity VIP Index 500 Portfolio (SC2) Aug-92 7.64% 5.82% 6.12% 11.87% 9.93% 5.82% 7.52% JPMorgan Ins Trust U.S. Equity Portfolio Mar-95 7.04% 14.41% 7.89% 12.12% 9.72% 2.64% 7.01% *++Wilshire 5000 Index Portfolio (Invest) Jan-99 3.41% 5.53% 5.92% 11.21% 9.28% 5.24% 7.71% Large growth ^AllianceBernstein VPS Large Cap Growth Portfolio Jun-92 8.02% 5.74% 7.34% 13.03% 14.07% 3.92% 7.22% American Funds IS Growth Fund (10) Dec-12 12.93% 8.69% --% --% 10.15% 4.72% 7.98% ++Fidelity VIP Growth Portfolio (SC2) Oct-86 8.19% 5.95% 6.73% 10.53% 10.62% 0.47% 7.91% *++Wilshire Large Company Growth Portfolio Sep-92 7.49% 5.46% 6.58% 10.02% 10.51% 5.65% 8.42% Mid value ^AllianceBernstein VPS Small/Mid Cap Value (1) May-01 8.66% 6.20% 6.92% 10.02% 6.81% 3.90% 6.81% *@Ariel Appreciation Fund Dec-89 9.33% 6.41% 7.30% 9.89% 6.41% -2.08% 3.71% *^Ariel Fund Nov-86 9.78% 4.86% 5.81% 10.30% 7.42% -2.97% 5.05% "++Goldman Sachs VIT Mid Cap Value (4) Jan-06 5.21% 8.28% 5.46% 8.73% 5.66% -1.03% 8.40% MFS Mid Cap Value Portfolio (11) Jan-99 7.53% 2.59% --% 11.61% 8.39% 4.35% 6.15% Mid core Calvert VP S&P MidCap 400 Index Portfolio (4) May-99 7.34% 10.14% 7.16% 10.33% 8.23% 5.37% 8.81% ++Fidelity VIP Mid Cap Portfolio (SC2) Dec-98 11.08% 5.80% 6.19% 8.06% 6.97% -1.00% 6.85% *++Rainier Small/Mid Cap Equity Portfolio May-94 8.97% 3.74% 4.45% 7.01% 4.59% -6.92% 7.95% page 4

Return if money remained invested in a contract with a premium bonus Mid growth ++Delaware VIP Smid Cap Growth Series SC (6) Apr-00 4.57% 8.06% 9.70% 10.00% 9.30% 1.70% 5.34% ^Putnam VT Multi-Cap Growth Fund IB Shares (5) Apr-98 2.68% 11.77% 6.11% 10.55% 10.20% 0.15% 8.79% Wells Fargo VT Discovery Fund (1) May-92 8.34% 7.29% 8.60% 9.88% 5.05% -6.23% 9.58% Small value JPMorgan Small Cap Value (11) Dec-04 5.54% 2.34% 5.30% 9.57% 4.53% 6.61% 9.16% ++Royce Capital Fund Small Cap Portfolio Dec-96 9.25% 4.71% 5.39% 6.20% 2.61% -0.88% 3.96% *++Wilshire Small Company Value Portfolio Sep-92 7.66% 5.05% 5.39% 10.61% 7.53% 6.93% 8.32% Small core Dreyfus Inv Portfolios: Sm Cap Stock Index Portfolio (2) May-02 7.14% 8.02% 7.03% 11.38% 8.23% 6.07% 9.06% @Goldman Sachs VIT Structured Small Cap Equity Fund Feb-98 5.00% 3.83% 4.59% 9.55% 7.07% 3.78% 9.76% *++Neuberger Berman Genesis Fund (Advisor Class) Apr-97 9.75% 6.37% 6.89% 8.34% 5.92% 3.05% 7.76% Small growth %AllianceBernstein VPS Small Cap Growth Portfolio (1) Aug-00 3.64% 5.45% 7.43% 8.47% 3.78% -7.35% 10.49% Lord Abbett Developing Growth Portfolio (9) Apr-10 10.60% 8.33% --% 7.06% 2.36% -17.88% 12.78% Developed Markets Fidelity VIP Overseas Portfolio (SC2) Jan-87 4.17% 1.10% 1.01% 1.75% 1.29% -8.80% 1.74% Emerging Markets American Funds IS New World Fund (10) Dec-12 1.01% -2.61% --% --% 0.34% 1.63% 7.42% Real estate ++Delaware VIP REIT Series (Service Class) (3) May-00 10.19% 6.99% 5.96% 11.16% 12.55% 19.97% 14.60% Fidelity VIP Real Estate Portfolio Service Class 2 (11) Nov-02 11.08% 14.35% 5.94% 11.17% 12.73% 19.12% 13.73% Corporate Bond Fidelity VIP Investment Grade Bond Portfolio (SC2) Dec-88 4.18% 3.37% 3.55% 2.37% 3.14% 6.18% 4.52% Global Bond Templeton Global Bond Securities Fund - Class 4 (4) Feb-08 3.59% 1.09% --% -0.57% -1.60% -5.62% 0.30% High Yield Bond ++Fidelity VIP High Income Portfolio (SC2) Sep-85 3.49% 4.55% 4.62% 3.55% 2.29% 2.34% 5.50% Frankin High Income Securities (11) Jan-99 3.20% -1.54% 4.70% 3.33% 0.95% 2.21% 6.82% Balanced American Funds IS Managed Risk Asset Allocation (10) Sep-12 6.31% 2.56% --% --% 4.14% 3.54% 5.88% Wilshire VIT Global Allocation Fund Oct-89 5.48% 2.89% 3.00% 5.38% 4.28% 1.87% 5.44% Money market T Rowe Price Government Money Portfolio (1) Dec-96 0.95% -0.17% -0.26% -1.09% -0.83% 0.50% 1.69% page 5

Return if money withdrawn early from a contract without a premium bonus The results in the table below represent the return if the contract was surrendered at the end of the applicable time period and reflect the mortality and expense fee, five-year surrender charges and the annual maintenance fee. Lifecycle ++Wilshire VIT 2015 Fund (1) May-06 2.87% 2.87% 3.11% 3.21% 1.24% -5.87% -3.97% ++Wilshire VIT 2025 Fund (1) May-06 2.46% 2.46% 2.73% 3.42% 1.34% -7.05% -3.76% ++Wilshire VIT 2035 Fund (1) May-06 2.01% 2.01% 2.39% 3.91% 1.63% -7.97% -3.53% Fidelity VIP Freedom 2015 Service Class 2 (11) Apr-05 4.30% -6.32% 3.77% 3.65% 1.47% -7.64% -4.45% Fidelity VIP Freedom 2025 Service Class 2 (11) Apr-05 4.85% -6.84% 4.16% 4.87% 2.28% -8.36% -4.16% Fidelity VIP Freedom 2035 Service Class 2 (11) Apr-09 11.58% -8.06% --% 5.52% 2.52% -9.90% -3.83% Fidelity VIP Freedom 2045 Service Class 2 (11) Apr-09 11.92% -8.04% --% 5.74% 2.64% -9.90% -3.84% Asset Allocation ++Morningstar Conservative ETF Portfolio Class II (7) Apr-07 1.78% 1.41% --% 0.57% -0.66% -5.12% -4.88% Fidelity VIP FundsManager 20% Service Class 2 (11) Apr-06 2.38% -5.28% 2.47% 1.24% -0.01% -6.27% -5.16% Fidelity VIP FundsManager 50% Service Class 2 (11) Apr-06 3.27% -5.99% 3.50% 3.58% 1.79% -7.36% -4.13% Fidelity VIP FundsManager 60% Service Class 2 (11) Aug-07 3.13% -6.17% --% 4.41% 2.50% -7.71% -3.80% Fidelity VIP FundsManager 70% Service Class 2 (11) Apr-06 3.45% -6.27% 3.77% 4.91% 2.69% -8.29% -3.63% Fidelity VIP FundsManager 85% Service Class 2 (11) Apr-06 3.43% -7.02% 3.81% 5.77% 3.44% -8.83% -3.00% Large value American Funds IS Blue Chip Income and Growth (10) Dec-12 12.99% 5.10% --% --% 8.63% 0.46% -2.06% ++Davis Value Portfolio Jun-99 3.45% 3.66% 3.59% 7.69% 3.75% -8.79% -3.34% ++T Rowe Price Equity Income Portfolio VIP II (1) Apr-02 4.45% 3.92% 4.13% 8.00% 2.40% -3.98% -2.63% *++Wilshire Large Company Value Portfolio Sep-92 6.60% 3.05% 3.14% 8.22% 2.75% -9.70% -3.53% Large core ++Fidelity VIP Growth and Income Portfolio (SC2) Dec-96 5.04% 4.75% 5.20% 10.09% 4.28% -7.94% -2.85% Fidelity VIP Index 500 Portfolio (SC2) Aug-92 7.55% 5.61% 5.90% 10.83% 7.41% -3.46% -1.79% JPMorgan Ins Trust U.S. Equity Portfolio Mar-95 6.94% 14.09% 7.68% 11.09% 7.20% -6.57% -2.29% *++Wilshire 5000 Index Portfolio (Invest) Jan-99 3.29% 5.32% 5.71% 10.16% 6.75% -4.03% -1.60% Large growth ^AllianceBernstein VPS Large Cap Growth Portfolio Jun-92 7.93% 5.54% 7.12% 12.01% 11.65% -5.33% -2.08% American Funds IS Growth Fund (10) Dec-12 11.20% 5.14% --% --% 7.64% -4.54% -1.34% ++Fidelity VIP Growth Portfolio (SC2) Oct-86 8.11% 5.74% 6.52% 9.46% 8.12% -8.71% -1.40% *++Wilshire Large Company Growth Portfolio Sep-92 7.40% 5.26% 6.36% 8.95% 8.01% -3.63% -0.90% Mid value ^AllianceBernstein VPS Small/Mid Cap Value (1) May-01 8.52% 5.99% 6.71% 8.95% 4.20% -5.35% -2.49% *@Ariel Appreciation Fund Dec-89 9.25% 6.21% 7.09% 8.82% 3.79% -11.21% -5.52% *^Ariel Fund Nov-86 9.70% 4.66% 5.59% 9.24% 4.83% -12.07% -4.21% "++Goldman Sachs VIT Mid Cap Value (4) Jan-06 5.01% 7.94% 5.25% 7.64% 3.02% -10.18% -0.92% MFS Mid Cap Value Portfolio (11) Jan-99 7.28% -4.47% --% 10.57% 5.83% -4.91% -3.14% Mid core Calvert VP S&P MidCap 400 Index Portfolio (4) May-99 7.22% 9.79% 6.95% 9.26% 5.67% -3.90% -0.52% ++Fidelity VIP Mid Cap Portfolio (SC2) Dec-98 10.96% 5.60% 5.97% 6.95% 4.37% -10.15% -2.44% *++Rainier Small/Mid Cap Equity Portfolio May-94 8.87% 3.54% 4.24% 5.88% 1.91% -15.95% -1.36% Mid growth ++Delaware VIP Smid Cap Growth Series SC (6) Apr-00 4.43% 7.85% 9.48% 8.93% 6.77% -7.50% -3.93% ^Putnam VT Multi-Cap Growth Fund IB Shares (5) Apr-98 2.56% 11.39% 5.89% 9.49% 7.68% -9.02% -0.54% Wells Fargo VT Discovery Fund (1) May-92 8.25% 7.08% 8.38% 8.81% 2.39% -15.27% 0.23% page 6

Return if money withdrawn early from a contract without a premium bonus Small value JPMorgan Small Cap Value (11) Dec-04 5.35% -4.71% 5.09% 8.49% 1.85% -2.68% -0.18% ++Royce Capital Fund Small Cap Portfolio Dec-96 9.14% 4.50% 5.18% 5.05% -0.13% -10.03% -5.28% *++Wilshire Small Company Value Portfolio Sep-92 7.57% 4.85% 5.17% 9.55% 4.95% -2.38% -1.00% Small core Dreyfus Inv Portfolios: Sm Cap Stock Index Portfolio (2) May-02 6.99% 7.76% 6.82% 10.34% 5.67% -3.21% -0.28% @Goldman Sachs VIT Structured Small Cap Equity Fund Feb-98 4.89% 3.63% 4.37% 8.47% 4.47% -5.46% 0.40% *++Neuberger Berman Genesis Fund (Advisor Class) Apr-97 9.64% 6.16% 6.67% 7.23% 3.28% -6.18% -1.55% Small growth %AllianceBernstein VPS Small Cap Growth Portfolio (1) Aug-00 3.50% 5.24% 7.21% 7.37% 1.08% -16.38% 1.12% Lord Abbett Developing Growth Portfolio (9) Apr-10 10.25% 6.24% --% 5.93% -0.39% -26.70% 3.37% Developed Markets Fidelity VIP Overseas Portfolio (SC2) Jan-87 4.10% 0.90% 0.80% 0.48% -1.50% -17.79% -7.46% Emerging Markets American Funds IS New World Fund (10) Dec-12-1.05% -6.45% --% --% -2.49% -7.57% -1.88% Real estate ++Delaware VIP REIT Series (Service Class) (3) May-00 10.05% 6.73% 5.74% 10.11% 10.09% 10.41% 5.16% Fidelity VIP Real Estate Portfolio Service Class 2 (11) Nov-02 10.92% 7.26% 5.73% 10.12% 10.28% 9.58% 4.30% Corporate Bond Fidelity VIP Investment Grade Bond Portfolio (SC2) Dec-88 4.11% 3.17% 3.34% 1.12% 0.41% -3.10% -4.73% Global Bond Templeton Global Bond Securities Fund - Class 4 (4) Feb-08 3.35% 0.77% --% -1.92% -4.50% -14.67% -8.86% High Yield Bond ++Fidelity VIP High Income Portfolio (SC2) Sep-85 3.42% 4.35% 4.41% 2.33% -0.46% -6.87% -3.77% Frankin High Income Securities (11) Jan-99 3.08% -8.60% 4.49% 2.10% -1.85% -7.00% -2.48% Balanced American Funds IS Managed Risk Asset Allocation (10) Sep-12 4.54% -1.14% --% --% 1.45% -5.69% -3.40% Wilshire VIT Global Allocation Fund Oct-89 5.40% 2.69% 2.79% 4.20% 1.59% -7.33% -3.82% Money market T Rowe Price Government Money Portfolio (1) Dec-96 0.85% -0.37% -0.47% -2.46% -3.70% -8.67% -7.50% page 7

Return if money withdrawn early from a contract with a premium bonus The results in the table below represent the return if the contract was surrendered at the end of the applicable time period and reflect a 2-percent premium bonus for the first contract year, as well as the mortality and expense fee, nine-year surrender charges and the annual maintenance fee. Lifecycle ++Wilshire VIT 2015 Fund (1) May-06 3.07% 3.07% 3.32% 3.64% 1.95% -3.84% -1.91% ++Wilshire VIT 2025 Fund (1) May-06 2.66% 2.66% 2.94% 3.85% 2.06% -5.04% -1.70% ++Wilshire VIT 2035 Fund (1) May-06 2.21% 2.21% 2.60% 4.35% 2.35% -5.98% -1.45% Fidelity VIP Freedom 2015 Service Class 2 (11) Apr-05 4.48% -4.70% 3.98% 4.08% 2.19% -5.64% -2.39% Fidelity VIP Freedom 2025 Service Class 2 (11) Apr-05 5.04% -5.23% 4.38% 5.30% 3.00% -6.38% -2.09% Fidelity VIP Freedom 2035 Service Class 2 (11) Apr-09 11.76% -6.46% --% 5.95% 3.25% -7.95% -1.76% Fidelity VIP Freedom 2045 Service Class 2 (11) Apr-09 12.11% -6.45% --% 6.18% 3.36% -7.95% -1.78% Asset Allocation ++Morningstar Conservative ETF Portfolio Class II (7) Apr-07 2.01% 1.85% --% 0.99% 0.05% -3.08% -2.83% Fidelity VIP FundsManager 20% Service Class 2 (11) Apr-06 2.59% -3.65% 2.67% 1.67% 0.70% -4.24% -3.12% Fidelity VIP FundsManager 50% Service Class 2 (11) Apr-06 3.47% -4.36% 3.71% 4.01% 2.51% -5.35% -2.07% Fidelity VIP FundsManager 60% Service Class 2 (11) Aug-07 3.29% -4.55% --% 4.84% 3.22% -5.72% -1.73% Fidelity VIP FundsManager 70% Service Class 2 (11) Apr-06 3.65% -4.66% 3.98% 5.35% 3.42% -6.31% -1.56% Fidelity VIP FundsManager 85% Service Class 2 (11) Apr-06 3.63% -5.41% 4.02% 6.21% 4.17% -6.86% -0.92% Large value American Funds IS Blue Chip Income and Growth (10) Jan-00 13.64% 6.08% --% --% 9.39% 2.62% 0.05% ++Davis Value Portfolio Jun-99 3.57% 3.86% 3.80% 8.14% 4.48% -6.82% -1.26% ++T Rowe Price Equity Income Portfolio VIP II (1) Apr-02 4.60% 4.12% 4.35% 8.44% 3.12% -1.92% -0.54% *++Wilshire Large Company Value Portfolio Sep-92 6.69% 3.25% 3.35% 8.67% 3.48% -7.75% -1.45% Large core ++Fidelity VIP Growth and Income Portfolio (SC2) Dec-96 5.15% 4.95% 5.41% 10.54% 5.01% -5.94% -0.77% Fidelity VIP Index 500 Portfolio (SC2) Aug-92 7.64% 5.82% 6.12% 11.29% 8.16% -1.38% 0.32% JPMorgan Ins Trust U.S. Equity Portfolio Mar-95 7.04% 14.30% 7.89% 11.55% 7.95% -4.56% -0.19% *++Wilshire 5000 Index Portfolio (Invest) Jan-99 3.41% 5.53% 5.92% 10.61% 7.49% -1.96% 0.51% Large growth ^AllianceBernstein VPS Large Cap Growth Portfolio Jun-92 8.02% 5.74% 7.34% 12.47% 12.43% -3.28% 0.02% American Funds IS Growth Fund (10) Dec-12 11.83% 6.13% --% --% 8.39% -2.48% 0.78% ++Fidelity VIP Growth Portfolio (SC2) Oct-86 8.19% 5.95% 6.73% 9.92% 8.88% -6.73% 0.71% *++Wilshire Large Company Growth Portfolio Sep-92 7.49% 5.46% 6.58% 9.40% 8.76% -1.55% 1.22% Mid value ^AllianceBernstein VPS Small/Mid Cap Value (1) May-01 8.66% 6.20% 6.92% 9.40% 4.93% -3.30% -0.39% *@Ariel Appreciation Fund Dec-89 9.33% 6.41% 7.30% 9.27% 4.53% -9.28% -3.49% *^Ariel Fund Nov-86 9.78% 4.86% 5.81% 9.69% 5.57% -10.17% -2.15% "++Goldman Sachs VIT Mid Cap Value (4) Jan-06 5.21% 8.00% 5.46% 8.08% 3.74% -8.23% 1.20% MFS Mid Cap Value Portfolio (11) Jan-99 7.47% -2.83% --% 11.02% 6.57% -2.85% -1.05% Mid core Calvert VP S&P MidCap 400 Index Portfolio (4) May-99 7.34% 9.88% 7.16% 9.71% 6.41% -1.83% 1.61% ++Fidelity VIP Mid Cap Portfolio (SC2) Dec-98 11.08% 5.80% 6.19% 7.40% 5.10% -8.20% -0.35% *++Rainier Small/Mid Cap Equity Portfolio May-94 8.97% 3.74% 4.45% 6.32% 2.63% -14.12% 0.75% page 8

Return if money withdrawn early from a contract with a premium bonus Mid growth ++Delaware VIP Smid Cap Growth Series SC (6) Apr-00 4.57% 8.06% 9.70% 9.38% 7.51% -5.50% -1.86% ^Putnam VT Multi-Cap Growth Fund IB Shares (5) Apr-98 2.68% 11.41% 6.11% 9.94% 8.44% -7.05% 1.59% Wells Fargo VT Discovery Fund (1) May-92 8.34% 7.29% 8.60% 9.26% 3.11% -13.43% 2.38% Small value JPMorgan Small Cap Value (11) Dec-04 5.54% -3.08% 5.30% 8.94% 2.57% -0.59% 1.96% ++Royce Capital Fund Small Cap Portfolio Dec-96 9.25% 4.71% 5.39% 5.48% 0.58% -8.08% -3.24% *++Wilshire Small Company Value Portfolio Sep-92 7.66% 5.05% 5.39% 10.00% 5.69% -0.27% 1.12% Small core Dreyfus Inv Portfolios: Sm Cap Stock Index Portfolio (2) May-02 7.14% 7.96% 7.03% 10.79% 6.41% -1.13% 1.86% @Goldman Sachs VIT Structured Small Cap Equity Fund Feb-98 5.00% 3.83% 4.59% 8.92% 5.20% -3.42% 2.56% *++Neuberger Berman Genesis Fund (Advisor Class) Apr-97 9.75% 6.37% 6.89% 7.67% 4.01% -4.15% 0.56% Small growth %AllianceBernstein VPS Small Cap Growth Portfolio (1) Aug-00 3.64% 5.45% 7.43% 7.81% 1.80% -14.55% 3.29% Lord Abbett Developing Growth Portfolio (9) Apr-10 10.35% 6.92% --% 6.37% 0.31% -25.08% 5.58% Developed Markets Fidelity VIP Overseas Portfolio (SC2) Jan-87 4.17% 1.10% 1.01% 0.90% -0.80% -16.00% -5.46% Emerging Markets American Funds IS New World Fund (10) Dec-12-0.47% -5.56% --% --% -1.80% -5.57% 0.22% Real estate ++Delaware VIP REIT Series (Service Class) (3) May-00 10.19% 6.93% 5.96% 10.57% 10.86% 12.77% 7.40% Fidelity VIP Real Estate Portfolio Service Class 2 (11) Nov-02 11.08% 9.09% 5.94% 10.57% 11.05% 11.92% 6.53% Corporate Bond Fidelity VIP Investment Grade Bond Portfolio (SC2) Dec-88 4.18% 3.37% 3.55% 1.54% 1.12% -1.02% -2.68% Global Bond Templeton Global Bond Securities Fund - Class 4 (4) Feb-08 3.51% 0.68% --% -1.51% -3.81% -12.82% -6.90% High Yield Bond ++Fidelity VIP High Income Portfolio (SC2) Sep-85 3.49% 4.55% 4.62% 2.76% 0.25% -4.86% -1.70% Frankin High Income Securities (11) Jan-99 3.20% -7.02% 4.70% 2.53% -1.16% -4.99% -0.38% Balanced American Funds IS Managed Risk Asset Allocation (10) Sep-12 5.10% -0.21% --% --% 2.17% -3.66% -1.32% Wilshire VIT Global Allocation Fund Oct-89 5.48% 2.89% 3.00% 4.64% 2.31% -5.33% -1.76% Money market T Rowe Price Government Money Portfolio (1) Dec-96 0.95% -0.17% -0.26% -2.05% -3.02% -6.70% -5.51% page 9

Standardized performance in a contract without a premium bonus This table shows standardized performance for all investment options based on the actual performance, including the mortality and expense fee, the annual maintenance fee and five-year surrender charges, since the options were included in the GPA contract. Performance is only included for time period since the options were included in the contract and all other time periods are blank. Since 10 5 3 1 3 Variable investment options inclusion** years years years year months Lifecycle ++Wilshire VIT 2015 Fund (1) 2.87% 3.11% 3.21% 1.24% -5.87% -3.97% ++Wilshire VIT 2025 Fund (1) 2.46% 2.73% 3.42% 1.34% -7.05% -3.76% ++Wilshire VIT 2035 Fund (1) 2.01% 2.39% 3.91% 1.63% -7.97% -3.53% Fidelity VIP Freedom 2015 Service Class 2 (11) -6.32% --% --% --% -7.64% -4.45% Fidelity VIP Freedom 2025 Service Class 2 (11) -6.84% --% --% --% -8.36% -4.16% Fidelity VIP Freedom 2035 Service Class 2 (11) -8.06% --% --% --% -9.90% -3.83% Fidelity VIP Freedom 2045 Service Class 2 (11) -8.04% --% --% --% -9.90% -3.84% Asset Allocation ++Morningstar Conservative ETF Portfolio Class II (7) 1.41% --% --% -0.66% -5.12% -4.88% Fidelity VIP FundsManager 20% Service Class 2 (11) -5.28% --% --% --% -6.27% -5.16% Fidelity VIP FundsManager 50% Service Class 2 (11) -5.99% --% --% --% -7.36% -4.13% Fidelity VIP FundsManager 60% Service Class 2 (11) -6.17% --% --% --% -7.71% -3.80% Fidelity VIP FundsManager 70% Service Class 2 (11) -6.27% --% --% --% -8.29% -3.63% Fidelity VIP FundsManager 85% Service Class 2 (11) -7.02% --% --% --% -8.83% -3.00% Large value American Funds IS Blue Chip Income and Growth (10) 5.10% --% --% --% 0.46% -2.06% ++Davis Value Portfolio 3.66% 3.59% 7.69% 3.75% -8.79% -3.34% ++T Rowe Price Equity Income Portfolio VIP II (1) 3.92% 4.13% 8.00% 2.40% -3.98% -2.63% *++Wilshire Large Company Value Portfolio 3.05% 3.14% 8.22% 2.75% -9.70% -3.53% Large core ++Fidelity VIP Growth and Income Portfolio (SC2) 4.75% 5.20% 10.09% 4.28% -7.94% -2.85% Fidelity VIP Index 500 Portfolio (SC2) 5.61% 5.90% 10.83% 7.41% -3.46% -1.79% JPMorgan Ins Trust U.S. Equity Portfolio 14.09% --% 11.09% 7.20% -6.57% -2.29% *++Wilshire 5000 Index Portfolio (Invest) 5.32% 5.71% 10.16% 6.75% -4.03% -1.60% Large growth ^AllianceBernstein VPS Large Cap Growth Portfolio 5.54% 7.12% 12.01% 11.65% -5.33% -2.08% American Funds IS Growth Fund (10) 5.14% --% --% --% -4.54% -1.34% ++Fidelity VIP Growth Portfolio (SC2) 5.74% 6.52% 9.46% 8.12% -8.71% -1.40% *++Wilshire Large Company Growth Portfolio 5.26% 6.36% 8.95% 8.01% -3.63% -0.90% Mid value ^AllianceBernstein VPS Small/Mid Cap Value (1) 5.99% 6.71% 8.95% 4.20% -5.35% -2.49% *@Ariel Appreciation Fund 6.21% 7.09% 8.82% 3.79% -11.21% -5.52% *^Ariel Fund 4.66% 5.59% 9.24% 4.83% -12.07% -4.21% "++Goldman Sachs VIT Mid Cap Value (4) 7.94% --% 7.64% 3.02% -10.18% -0.92% MFS Mid Cap Value Portfolio (11) -4.47% --% --% --% -4.91% -3.14% Mid core Calvert VP S&P MidCap 400 Index Portfolio (4) 9.79% --% 9.26% 5.67% -3.90% -0.52% ++Fidelity VIP Mid Cap Portfolio (SC2) 5.60% 5.97% 6.95% 4.37% -10.15% -2.44% *++Rainier Small/Mid Cap Equity Portfolio 3.54% 4.24% 5.88% 1.91% -15.95% -1.36% page 10

Standardized performance in a contract without a premium bonus Since 10 5 3 1 3 Variable investment options inclusion** years years years year months Mid growth ++Delaware VIP Smid Cap Growth Series SC (6) 7.85% 9.48% 8.93% 6.77% -7.50% -3.93% ^Putnam VT Multi-Cap Growth Fund IB Shares (5) 11.39% --% 9.49% 7.68% -9.02% -0.54% Wells Fargo VT Discovery Fund (1) 7.08% 8.38% 8.81% 2.39% -15.27% 0.23% Small value JPMorgan Small Cap Value (11) -4.71% --% --% --% -2.68% -0.18% ++Royce Capital Fund Small Cap Portfolio 4.50% 5.18% 5.05% -0.13% -10.03% -5.28% *++Wilshire Small Company Value Portfolio 4.85% 5.17% 9.55% 4.95% -2.38% -1.00% Small core Dreyfus Inv Portfolios: Sm Cap Stock Index Portfolio (2) 7.76% --% 10.34% 5.67% -3.21% -0.28% @Goldman Sachs VIT Structured Small Cap Equity Fund 3.63% 4.37% 8.47% 4.47% -5.46% 0.40% *++Neuberger Berman Genesis Fund (Advisor Class) 6.16% 6.67% 7.23% 3.28% -6.18% -1.55% Small growth %AllianceBernstein VPS Small Cap Growth Portfolio (1) 5.24% 7.21% 7.37% 1.08% -16.38% 1.12% Lord Abbett Developing Growth Portfolio (9) 6.24% --% --% -0.39% -26.70% 3.37% Developed Markets Fidelity VIP Overseas Portfolio (SC2) 0.90% 0.80% 0.48% -1.50% -17.79% -7.46% Emerging Markets American Funds IS New World Fund (10) -6.45% --% --% --% -7.57% -1.88% Real estate ++Delaware VIP REIT Series (Service Class) (3) 6.73% --% 10.11% 10.09% 10.41% 5.16% Fidelity VIP Real Estate Portfolio Service Class 2 (11) 7.26% --% --% --% 9.58% 4.30% Corporate Bond Fidelity VIP Investment Grade Bond Portfolio (SC2) 3.17% 3.34% 1.12% 0.41% -3.10% -4.73% Global Bond Templeton Global Bond Securities Fund - Class 4 (4) 0.77% --% -1.92% -4.50% -14.67% -8.86% High Yield Bond ++Fidelity VIP High Income Portfolio (SC2) 4.35% 4.41% 2.33% -0.46% -6.87% -3.77% Frankin High Income Securities (11) -8.60% --% --% --% -7.00% -2.48% Balanced American Funds IS Managed Risk Asset Allocation (10) -1.14% --% --% --% -5.69% -3.40% Wilshire VIT Global Allocation Fund 2.69% 2.79% 4.20% 1.59% -7.33% -3.82% Money market T Rowe Price Government Money Portfolio (1) -0.37% -0.47% -2.46% -3.70% -8.67% -7.50% Seven-day yield (as of 07/29/2016) -0.02% page 11

Standardized performance in a contract with a premium bonus This table shows standardized performance for all investment options based on the actual performance, including a 2-percent premium bonus for the first contract year, the mortality and expense fee, the annual maintenance fee and nine-year surrender charges, since the options were included in the GPA contract. Performance is only included for time periods since the options were included in the contract and all other time periods are blank. Since 10 5 3 1 3 Variable investment options inclusion** years years years year months Lifecycle ++Wilshire VIT 2015 Fund (1) 3.07% 3.32% 3.64% 1.95% -3.84% -1.91% ++Wilshire VIT 2025 Fund (1) 2.66% 2.94% 3.85% 2.06% -5.04% -1.70% ++Wilshire VIT 2035 Fund (1) 2.21% 2.60% 4.35% 2.35% -5.98% -1.45% Fidelity VIP Freedom 2015 Service Class 2 (11) -4.70% --% --% --% -5.64% -2.39% Fidelity VIP Freedom 2025 Service Class 2 (11) -5.23% --% --% --% -6.38% -2.09% Fidelity VIP Freedom 2035 Service Class 2 (11) -6.46% --% --% --% -7.95% -1.76% Fidelity VIP Freedom 2045 Service Class 2 (11) -6.45% --% --% --% -7.95% -1.78% Asset Allocation ++Morningstar Conservative ETF Portfolio Class II (7) 1.85% --% --% 0.05% -3.08% -2.83% Fidelity VIP FundsManager 20% Service Class 2 (11) -3.65% --% --% --% -4.24% -3.12% Fidelity VIP FundsManager 50% Service Class 2 (11) -4.36% --% --% --% -5.35% -2.07% Fidelity VIP FundsManager 60% Service Class 2 (11) -4.55% --% --% --% -5.72% -1.73% Fidelity VIP FundsManager 70% Service Class 2 (11) -4.66% --% --% --% -6.31% -1.56% Fidelity VIP FundsManager 85% Service Class 2 (11) -5.41% --% --% --% -6.86% -0.92% Large value American Funds IS Blue Chip Income and Growth (10) 6.08% --% --% --% 2.62% 0.05% ++Davis Value Portfolio 3.86% 3.80% 8.14% 4.48% -6.82% -1.26% ++T Rowe Price Equity Income Portfolio VIP II (1) 4.12% 4.35% 8.44% 3.12% -1.92% -0.54% *++Wilshire Large Company Value Portfolio 3.25% 3.35% 8.67% 3.48% -7.75% -1.45% Large core ++Fidelity VIP Growth and Income Portfolio (SC2) 4.95% 5.41% 10.54% 5.01% -5.94% -0.77% Fidelity VIP Index 500 Portfolio (SC2) 5.82% 6.12% 11.29% 8.16% -1.38% 0.32% JPMorgan Ins Trust U.S. Equity Portfolio 14.30% --% 11.55% 7.95% -4.56% -0.19% *++Wilshire 5000 Index Portfolio (Invest) 5.53% 5.92% 10.61% 7.49% -1.96% 0.51% Large growth ^AllianceBernstein VPS Large Cap Growth Portfolio 5.74% 7.34% 12.47% 12.43% -3.28% 0.02% American Funds IS Growth Fund (10) 6.13% --% --% --% -2.48% 0.78% ++Fidelity VIP Growth Portfolio (SC2) 5.95% 6.73% 9.92% 8.88% -6.73% 0.71% *++Wilshire Large Company Growth Portfolio 5.46% 6.58% 9.40% 8.76% -1.55% 1.22% Mid value ^AllianceBernstein VPS Small/Mid Cap Value (1) 6.20% 6.92% 9.40% 4.93% -3.30% -0.39% *@Ariel Appreciation Fund 6.41% 7.30% 9.27% 4.53% -9.28% -3.49% *^Ariel Fund 4.86% 5.81% 9.69% 5.57% -10.17% -2.15% "++Goldman Sachs VIT Mid Cap Value (4) 8.00% --% 8.08% 3.74% -8.23% 1.20% MFS Mid Cap Value Portfolio (11) -2.83% --% --% --% -2.85% -1.05% Mid core Calvert VP S&P MidCap 400 Index Portfolio (4) 9.88% --% 9.71% 6.41% -1.83% 1.61% ++Fidelity VIP Mid Cap Portfolio (SC2) 5.80% 6.19% 7.40% 5.10% -8.20% -0.35% *++Rainier Small/Mid Cap Equity Portfolio 3.74% 4.45% 6.32% 2.63% -14.12% 0.75% page 12

Standardized performance in a contract with a premium bonus Since 10 5 3 1 3 Variable investment options inclusion** years years years year months Mid growth ++Delaware VIP Smid Cap Growth Series SC (6) 8.06% 9.70% 9.38% 7.51% -5.50% -1.86% ^Putnam VT Multi-Cap Growth Fund IB Shares (5) 11.41% --% 9.94% 8.44% -7.05% 1.59% Wells Fargo VT Discovery Fund (1) 7.29% 8.60% 9.26% 3.11% -13.43% 2.38% Small value JPMorgan Small Cap Value (11) -3.08% --% --% --% -0.59% 1.96% ++Royce Capital Fund Small Cap Portfolio 4.71% 5.39% 5.48% 0.58% -8.08% -3.24% *++Wilshire Small Company Value Portfolio 5.05% 5.39% 10.00% 5.69% -0.27% 1.12% Small core Dreyfus Inv Portfolios: Sm Cap Stock Index Portfolio (2) 7.96% --% 10.79% 6.41% -1.13% 1.86% @Goldman Sachs VIT Structured Small Cap Equity Fund 3.83% 4.59% 8.92% 5.20% -3.42% 2.56% *++Neuberger Berman Genesis Fund (Advisor Class) 6.37% 6.89% 7.67% 4.01% -4.15% 0.56% Small growth %AllianceBernstein VPS Small Cap Growth Portfolio (1) 5.45% 7.43% 7.81% 1.80% -14.55% 3.29% Lord Abbett Developing Growth Portfolio (9) 6.92% --% --% 0.31% -25.08% 5.58% Developed Markets Fidelity VIP Overseas Portfolio (SC2) 1.10% 1.01% 0.90% -0.80% -16.00% -5.46% Emerging Markets American Funds IS New World Fund (10) -5.56% --% --% --% -5.57% 0.22% Real estate ++Delaware VIP REIT Series (Service Class) (3) 6.93% --% 10.57% 10.86% 12.77% 7.40% Fidelity VIP Real Estate Portfolio Service Class 2 (11) 9.09% --% --% --% 11.92% 6.53% Corporate Bond Fidelity VIP Investment Grade Bond Portfolio (SC2) 3.37% 3.55% 1.54% 1.12% -1.02% -2.68% Global Bond Templeton Global Bond Securities Fund - Class 4 (4) 0.68% --% -1.51% -3.81% -12.82% -6.90% High Yield Bond ++Fidelity VIP High Income Portfolio (SC2) 4.55% 4.62% 2.76% 0.25% -4.86% -1.70% Frankin High Income Securities (11) -7.02% --% --% --% -4.99% -0.38% Balanced American Funds IS Managed Risk Asset Allocation (10) -0.21% --% --% --% -3.66% -1.32% Wilshire VIT Global Allocation Fund 2.89% 3.00% 4.64% 2.31% -5.33% -1.76% Money market T Rowe Price Prime Reserve Portfolio (2) -0.17% -0.26% -2.05% -3.02% -6.70% -5.51% Seven-day yield (as of 07/29/2016) -0.02% page 13

GPA contract information More information about Horace Mann Life Insurance Company, GPA and the underlying investment options of GPA, including the charges and expenses, can be found in the current prospectuses. You can receive prospectuses from your Horace Mann representative, by calling 800-999-1030 or via our Web site horacemann.com. You should read the contract prospectus and the underlying investment option prospectuses carefully and consider the investment objectives, risks and charges and expenses carefully before you invest or send money. Horace Mann Life Insurance Company underwrites these variable annuity contracts, which are offered by Horace Mann Investors, Inc., member FINRA. Horace Mann Investors, Inc. is located at #1 Horace Mann Plaza, Springfield, IL 62715. As with all securities, variable annuities are subject to maket volatility and risk of loss, including loss of principal. Due to market volatility, short-term returns may not be indicative of longer-term results. While all investing involves some risk there are greater risks associated with investing in small size companies, mid-size companies, international securities, high-yield bonds and socially responsible portfolios. These risks are presented in detail in the prospectuses. Non-qualified annuities offer the benefit of potential tax-deferred growth. While an annuity is not required in order to obtain tax deferral within a qualified retirement plan, an annuity offers additional benefits, including those stated above. In order to offer these benefits, there are additional charges and fees included in the annuity. Distributions from an annuity may be subject to federal income taxes. In addition, there may be a 10% penalty tax on distributions withdrawn before age 59½. The IRS restricts distributions from 403(b) annuities before age 59½ and 457(b) eligible annuities before age 70½ and they may be further restricted by your employer's plan document. The guarantees in this contract are provided by Horace Mann Life Insurance Company and are based on the financial stability of the company. An investment in the T Rowe Price Prime Reserve Portfolio is not guaranteed by the Federal Deposit Insurance Corporation or any other governmental agency. Although the Portfolio seeks to preserve the value of your investment at $1.00 per share, it is possible to lose money by investing in the Portfolio. The yield quotations more closely reflect current earnings than the total return quotations. Wilshire Associates Incorporated became the investment advisor for the Horace Mann Mutual Funds variable investment options on March 1, 1999. The advisor and/or sub advisors managing these Funds' assets have varied over the periods shown. Please see the prospectus for additional details. On Sept. 30, 2004, sponsorship of these Funds was transferred to Wilshire Associates Incorporated, and the names of the Funds were changed to Wilshire VIT. On September 19, 2014 the Wilshire VIT Equity Fund, Wilshire VIT Income Fund, Wilshire VIT Socially Responsible Fund, Wilshire VIT Small Cap Fund and Wilshire VIT International Equity Fund were merged into the Wilshire VIT Balanced Fund, and the name of the Wilshire VIT Balanced Fund was changed to the Wilshire VIT Global Allocation Fund.. The variable investment option names in the tables may not match the names in the footnotes due to abbreviations. The trademarks used herein are owned by, and used with the permission of, the respective companies. (1) The Wells Fargo VT Discovery Fund, AllianceBernstein VPS Fund, Inc. Small/Mid Cap Value Portfolio, AllianceBernstein VPS Fund, Inc. Small Cap Growth Portfolio, T Rowe Price Equity Income Portfolio VIP II, T Rowe Price Government Money Portfolio, Wilshire Variable Insurance Trust (VIT) 2015 Moderate Fund, Wilshire VIT 2025 Moderate Fund and Wilshire VIT 2035 Moderate Fund were included in the Goal Planning Annuity program on May 1, 2006 (inclusion date). (2) Dreyfus Investment Portfolios: Small Cap Stock Index Portfolio (Service Shares) was included in the Goal Planning Annuity program on May 1, 2008 (inclusion date). (3) Delaware VIP REIT Series (Service Class) was included in the Goal Planning Annuity program on June 2, 2008 (inclusion date). (4) Goldman Sachs VIT Mid Cap Value, Calvert S&P MidCap 400 Index, and the Templeton Global Bond Securities Fund were included in the Goal Planning Annuity program on May 1, 2010 (inclusion date). (5) The Putnam VT Vista Fund was merged into the Putnam VT Multi-Cap Growth Fund on September 24, 2010. (6) The Delaware VIP Trend Series was included in the Goal Planning Annuity program on March 1, 2006 and was merged into the Delaware VIP Smid Cap Growth Series on October 8, 2010. (7) The Morningstar Conservative ETF Asset Allocation Portfolio (Class II) (previously known as Ibbotson Conservative ETF Asset Allocation Portfolio (Class II)) was included in the Goal Planning Annuity program on October 1, 2011. (9) The Lord Abbett Series Fund Developing Growth Portfolio was added to the Goal Planning Annuity program on May 1, 2013. (10) The American Funds IS New World Fund, American Funds IS Managed Risk Asset Allocation Fund, American Funds IS Blue Chip Income and Growth Fund, American Funds IS Growth Fund and JPMorgan Insurance Trust U.S. Equity Portfolio were added to the Goal Planning Annuity program on May 1, 2014. (11) The Franklin High Income Securities, Fidelity VIP Real Estate SC2, Fidelity VIP Freedom 2015 SC2, Fidelity VIP Freedom 2025 SC2, Fidelity VIP Freedom 2035 SC2, Fidelity VIP Freedom 2045 SC2, Fidelity VIP FundsManager 20% SC2, Fidelity VIP FundsManager 50% SC2, Fidelity VIP FundsManager 60% SC2, Fidelity VIP FundsManager 70% SC2, Fidelity VIP FundsManager 85% SC2, JPMorgan Small Cap Value and MFS Mid Cap Value were added to the Goal Planning Annuity program on May 1, 2015. page 14