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REAL ESTATE INVESTMENT TRUST ETF ACCOUNT

Following is a summary of information about the Real Estate Investment Trust ETF Account. Investors are advised to learn key data about an investment prior to making any investment decision.

Objective

The objective of this account is to seek investment results that correspond generally to the price and yield performance, before fees and expenses, of the Dow Jones U.S. Real Estate Index or a similar real estate investment trust index. It invests solely in the Sentry Real Estate Investment Trust ETF Portfolio.

Investor Profile

The Real Estate Investment Trust ETF Account may be suitable for investors who are interested in pursuing the price and yield performance of the Dow Jones U.S. Real Estate Index or a similar real estate investment trust index. Individuals must be willing and able to accept considerable changes in unit price both in the short and long term.

Investment Strategy

Sentry Real Estate Investment Trust ETF Portfolio invests primarily in one or more exchange traded funds (ETFs) that seek investment results that correspond to the price and yield performance, before fees and expenses, of the Dow Jones U.S. Real Estate Index or a similar real estate investment trust index. The portfolio manager employs a passive investment strategy. Cash may be held in the portfolio to efficiently accommodate purchases and redemptions.

Investment Considerations

The principal value of the Real Estate Investment Trust ETF Account is subject to declines primarily when interest rate levels rise and when rental occupancy rates decline. This Account takes a passive approach to investing in real estate and is appropriate for investors seeking a passive investment management approach to real estate investments for a portion of their retirement portfolio.

PORTFOLIO DATA

Asset Allocation (as of 06-30-2008)
  
iShares Dow Jones U.S. Real Estate Index Fund99.80%
Cash0.20%
 
Key Facts (as of 06-30-2008)
  
Price/Earnings Ratio34.97x
Price/Book Ratio3.17x
Beta (versus S&P 500)1.21
 
Top Holdings (as of 06-30-2008)  
Simon Property Group, Inc. REIT7.34%
ProLogis REIT5.19%
Vornado Realty Trust REIT4.63%
Boston Properties, Inc. REIT3.93%
Public Storage, Inc. REIT3.79%
Equity Residential REIT3.79%
General Growth Properties, Inc. REIT3.22%
Annaly Capital Management Inc.3.05%
Kimco Realty Corp. REIT2.77%
HCP Inc.2.73%
Top Ten Equals40.44%
Sentry Real Estate Investment Trust ETF Portfolio*
Average Annual Returns Annual Total Returns
(as of 07-31-2008) (as of 12-31)
    
 1 Month2.29% 
 3 Months(8.86)% 
 YTD(3.83)% 
 1 year(8.78)% 
 3 yearsN/A 
 5 yearsN/A 
 10 yearsN/A 
    
    
    
    
 2006      30.14% 
 2007      (19.55)% 

Investment management, brokerage fees and all other expenses of Sentry Investment Management, Inc. total 0.25 percent per year and are deducted from the asset value of the Sentry REIT ETF Portfolio. The investment managers for the Sentry REIT ETF Portfolio are Christopher Meadows, CFA and Chad Rice. *Performance figures for the Sentry REIT ETF Portfolio include the reinvestment of all dividends and capital gain distributions. All returns are net of portfolio expenses. Money invested by participants in the Sentry Life Real Estate Investment Trust ETF Account is then invested by Sentry Life Insurance Company into the underlying portfolio. A separate account fee for sales, marketing, taxes, account compliance, overhead and legal/audit fees will be applied to this Separate Account. The separate account fee will reduce the total returns of the Separate Account quoted above. The information contained in this fact sheet is for illustrative purposes only and is not an indication of future composition or performance. The investment return and principal value of this Separate Account will fluctuate along with changes in the Sentry REIT ETF Portfolio so that units, when redeemed, may be worth more or less than their original cost. Past performance is not a guarantee of future results.

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