Variable annuity values and investment returns will fluctuate and you
may have a gain or loss when money is withdrawn.
For more information on Scudder DestinationsSM, including a prospectus
containing information on fees, charges and expenses, please contact
Zurich American Life Insurance Company at 1-800-449-0523. Please read
the prospectus carefully before making an investment or sending money.
Scudder DestinationsSM is a variable, fixed and market value-adjusted
deferred annuity contract (policy series L-8166 and L-1550) is
issued by Zurich American Life Insurance Company, Administrative Office: 2000 Wade Hampton Blvd, Greenville, SC 29615-1064.
Securities are distributed by Investors Brokerage Services, Inc.,
Administrative Office: 2500 Westfield Drive, Elgin, IL 60123. Scudder DestinationsSM may not be
available in all states. The contract contains limitations and the policy
forms may vary by state.