<PAGE>
SECUREDESIGNS VARIABLE ANNUITY Item 24.b Exhibit (13)
EQUITY SERIES
AVERAGE ANNUAL TOTAL RETURN AS OF DECEMBER 31, 1999
1 Year
1000 (1+T)^1 = 968.12
(1+T)^1 = (0.96812)^1
1+T = 0.96812
T = -0.0319
5 Years
1000 (1+T)^5 = 1,193.29
((1+T)^5)^1/5 = (1.19329)^1/5
1+T = 1.03597
T = 0.0360
10 Years
1000 (1+T)^10 = 1,114.40
((1+T)^10)^1/10 = (1.11440)^1/10
1+T = 1.01089
T = 0.0109
<PAGE>
LARGE CAP VALUE SERIES
AVERAGE ANNUAL TOTAL RETURN AS OF DECEMBER 31, 1999
1 Year
1000 (1+T)^1 = 905.78
(1+T)^1 = (0.90578)^1
1+T = 0.90578
T = -0.0942
5 Years
1000 (1+T)^5 = 1,115.63
((1+T)^5)^1/5 = (1.11563)^1/5
1+T = 1.02213
T = 0.0221
10 Years
1000 (1+T)^10 = 1,076.09
((1+T)^10)^10 = (1.07609)^1/10
1+T = 1.00736
T = 0.0074
<PAGE>
MONEY MARKET YIELD
Money Market Series (Series C) as of December 30, 1999
CALCULATION OF CHANGE IN UNIT VALUE:
-----------------------------------
(Underlying Underlying)
(Fund Price Fund Price)
(12-31-99 - 12-24-99 )
--------------------------- = Weekly Earnings
( Underlying Fund Price )
( 12-24-99 )
12.61213665 - 12.59871062
------------------------- = 0.001065667
12.59871062
Base
[(1 + Weekly Earnings)^1/7 - (Daily M&E Charge + Daily Admin. Fee)]^7 - 1=Period
Return
[(1 + 0.001065667)^1/7 - (0.00005068493 + 0.00000784558)]^7 - 1 = 0.00065565119
CURRENT 7-DAY YIELD:
-------------------
(Base Period Return)365/7 = Current 7-Day Yield
(0.000655651)365/7 = 3.42%
EFFECTIVE YIELD:
---------------
[(Base Period Return + 1)^365/7] - 1 = Effective Yield
(0.000655651 + 1)^365/7] - 1 = 3.48%
<PAGE>
GLOBAL SERIES
AVERAGE ANNUAL TOTAL RETURN AS OF DECEMBER 31, 1999
1 Year
1000 (1+T)^1 = 1,418.01
(1+T)^1 = (1.41801)^1
1+T = 1.41801
T = 0.4180
5 Years
1000 (1+T)^5 = 1,153.78
((1+T)^5)^1/5 = (1.15378)^1/5
1+T = 1.02902
T = 0.0290
8.67 Years (From date of inception May 1, 1991)
1000 (1+T)^8.67 = 2,387.44
((1+T)^8.67)^1/8.67 = (2.38744)^1/8.67
1+T = 1.105601
T = 0.1056
<PAGE>
DIVERSIFIED INCOME SERIES
AVERAGE ANNUAL TOTAL RETURN AS OF DECEMBER 31, 1999
1 Year
1000 (1+T)^1 = 850.50
(1+T)^1 = (0.85050)^1
1+T = 0.85050
T = -0.1495
5 Years
1000 (1+T)^5 = 1,007.96
((1+T)^5)^1/5 = (1.00796)^1/5
1+T = 1.00159
T = 0.0016
10 Years
1000 (1+T)^10 = 1,017.87
((1+T)^10)^1/10 = (1.01787)^1/10
1+T = 1.00177
T = 0.0018
<PAGE>
SOCIAL AWARENESS SERIES
AVERAGE ANNUAL TOTAL RETURN AS OF DECEMBER 31, 1999
1 Year
1000 (1+T)^1 = 1,057.54
(1+T)^1 = (1.05754)^1
1+T = 1.05754
T = 0.0575
5 Years
1000 (1+T)^5 = 1,186.23
((1+T)^5)^1/5 = (1.18623)^1/5
1+T = 1.03474
T = 0.0347
8.67 Years (From date of inception May 1, 1991)
1000 (1+T)^8.67 = 2,623.03
((1+T)^8.67)^1/8.67 = (2.62303)^1/8.67
1+T = 1.11767
T = 0.1177
<PAGE>
MID CAP GROWTH SERIES
AVERAGE ANNUAL TOTAL RETURN AS OF DECEMBER 31, 1999
1 Year
1000 (1+T)^1 = 1,498.99
(1+T)^1 = (1.49899)^1
1+T = 1.49899
T = 0.4990
5 Years
1000 (1+T)^5 = 1,213.43
((1+T)^5)^1/5 = (1.21343)^1/5
1+T = 1.03944
T = 0.0394
7.25 Years (From date of inception October 1, 1992)
1000 (1+T)^7.25 = 3,221.70
((1+T)^7.25)^1/7.25 = (3.22170)^1/7.25
1+T = 1.17513
T = 0.1751
<PAGE>
GLOBAL STRATEGIC INCOME BOND SERIES
AVERAGE ANNUAL TOTAL RETURN AS OF DECEMBER 31, 1999
1 Year
1000 (1+T)^1 = 899.45
(1+T)^1 = (0.89945)^1
1+T = 0.89945
T = -0.1006
4.60 Years (From date of inception June 1, 1995)
1000 (1+T)^4.60 = 1,076.84
((1+T)^4.60)^1/4.60 = (1.07684)^1/4.60
1+T = 1.01621
T = 0.0162
<PAGE>
GLOBAL TOTAL RETURN SERIES
AVERAGE ANNUAL TOTAL RETURN AS OF DECEMBER 31, 1999
1 Year
1000 (1+T)^1 = 1,025.79
(1+T)^1 = (1.02579)^1
1+T = 1.02579
T = 0.0258
4.60 Years (from date of inception June 1, 1995)
1000 (1+T)^4.60 = 1,303.30
((1+T)^4.60)^1/4.60 = (1.30330)^1/4.60
1+T = 1.05924
T = 0.0592
<PAGE>
MANAGED ASSET ALLOCATION SERIES
AVERAGE ANNUAL TOTAL RETURN AS OF DECEMBER 31, 1999
1 Year
1000 (1+T)^1 = 983.95
(1+T)^1 = (0.98395)^1
1+T = 0.98395
T = -0.0160
4.60 Years (from date of inception June 1, 1995)
1000 (1+T)^4.60 = 1,473.23
((1+T)^4.60)^1/4.60 = (1.4723)^1/4.60
1+T = 1.08782
T = 0.0878
<PAGE>
EQUITY INCOME SERIES
AVERAGE ANNUAL TOTAL RETURN AS OF DECEMBER 31, 1999
1 Year
1000 (1+T)^1 = 918.67
(1+T)^1 = (0.91867)^1
1+T = 0.91867
T = -0.0813
4.60 Years (from date of inception June 1, 1995)
1000 (1+T)^4.60 = 1,634.64
((1+T)^4.60)^1/4.60 = (1.63464)^1/4.60
1+T = 1.11267
T = 0.1127
<PAGE>
HIGH YIELD SERIES
AVERAGE ANNUAL TOTAL RETURN AS OF DECEMBER 31, 1999
1 Year
1000 (1+T)^1 = 900.73
(1+T)^1 = (0.90073)^1
1+T = 0.90073
T = -0.9927
3.40 Years (from date of inception August 5, 1996)
1000 (1+T)^3.40 = 1,041.05
((1+T)^3.40)^1/3.40 = (1.04105)^1/3.40
1+T = 1.01189
T = 0.0119
<PAGE>
MID CAP VALUE SERIES
AVERAGE ANNUAL TOTAL RETURN AS OF DECEMBER 31, 1999
1 Year
1000 (1+T)^1 = 1,074.29
(1+T)^1 = (1.07429)^1
1+T = 1.07429
T = 0.0743
2.67 Year (from date of inception May 1, 1997)
1000 (1+T)^2.67 = 1,570.81
((1+T)^2.67)^1/2.67 = (1.57081)^1/2.67
1+T = 1.18419
T = 0.1842
<PAGE>
SMALL CAP GROWTH SERIES
AVERAGE ANNUAL TOTAL RETURN AS OF DECEMBER 31, 1999
1 Year
1000 (1+T)^1 = 1,749.52
(1+T)^1 = (1.74952)^1
1+T = 1.74952
T = 0.7495
2.21 Year (from date of inception October 15, 1997)
1000 (1+T)^2.21 = 1,716.47
((1+T)^2.21)^1/2.21 = (1.71647)^1/2.21
1+T = 1.27681
T = 0.2768
<PAGE>
ENHANCED INDEX SERIES
AVERAGE ANNUAL TOTAL RETURN AS OF DECEMBER 31, 1999
.66 Year (from date of inception May 3, 1999)
1000 (1+T)^.66 = 1,016.48
((1+T)^.66)^1/.66 = (1.01648)^1/.66
1+T = 1.02497
T = 0.0250
<PAGE>
INTERNATIONAL SERIES
AVERAGE ANNUAL TOTAL RETURN AS OF DECEMBER 31, 1999
.66 Year (from date of inception May 3, 1999)
1000 (1+T)^.66 = 1,191.14
((1+T)^.66)^1/.66 = (1.19114)^1/.66
1+T = 1.30188
T = 0.3019
<PAGE>
SELECT 25 SERIES
AVERAGE ANNUAL TOTAL RETURN AS OF DECEMBER 31, 1999
.66 Year (from date of inception May 3, 1999)
1000 (1+T)^.66 = 1,128.84
((1+T)^.66)^1/.66 = (1.12884)^1/.66
1+T = 1.19787
T = 0.1979
<PAGE>
EQUITY SERIES
AVERAGE ANNUAL TOTAL RETURN AS OF
DECEMBER 31, 1999 (without deduction
of contingent deferred sales charge)
1 Year
1000 (1+T)^1 = 1,030.91
(1+T)^1 = (1.03091)^1
1+T = 1.03091
T = 0.0309
5 Years
1000 (1+T)^5 = 1,195.52
((1+T)^5)^1/5 = (1.19552)^1/5
1+T = 1.03636
T = 0.0364
10 Years
1000 (1+T)^10 = 1,114.40
((1+T)^10)^1/10 = (1.11440)^1/10
1+T = 1.01089
T = 0.0109
<PAGE>
LARGE CAP VALUE SERIES
AVERAGE ANNUAL TOTAL RETURN AS OF
DECEMBER 31, 1999 (without deduction
of contingent deferred sales charge)
1 Year
1000 (1+T)^1 = 969.00
(1+T)^1 = (0.96900)^1
1+T = 0.96900
T = -0.0310
5 Years
1000 (1+T)^5 = 1,118.81
((1+T)^5)^1/5 = (1.11881)^1/5
1+T = 1.02271
T = 0.0227
10 Years
1000 (1+T)^10 = 1,076.09
((1+T)^10)^1/10 = (1.07609)^1/10
1+T = 1.00736
T = 0.0074
<PAGE>
GLOBAL SERIES
AVERAGE ANNUAL TOTAL RETURN AS OF
DECEMBER 31, 1999 (without deduction
of contingent deferred sales charge)
1 Year
1000 (1+T)^1 = 1,477.66
(1+T)^1 = (1.47766)^1
1+T = 1.47766
T = 0.4777
5 Year
1000 (1+T)^5 = 1,156.45
((1+T)^5)^1/5 = (1.15645)^1/5
1+T = 1.02950
T = 0.0295
8.67 Years (From date of inception May 1, 1991)
1000 (1+T)^8.67 = 2,387.44
((1+T)^8.67)^1/8.67 = (2.38744)^1/8.67
1+T = 1.105601
T = 0.1056
<PAGE>
DIVERSIFIED INCOME SERIES
AVERAGE ANNUAL TOTAL RETURN AS OF
DECEMBER 31, 1999 (without deduction
of contingent deferred sales charge)
1 Year
1000 (1+T)^1 = 914.10
(1+T)^1 = (0.91410)^1
1+T = 0.91410
T = -0.0859
5 Years
1000 (1+T)^5 = 1,013.10
((1+T)^5)^1/5 = (1.01310)^1/5
1+T = 1.00261
T = 0.0026
10 Years
1000 (1+T)^10 = 1,017.87
((1+T)^10)^1/10 = (1.01787)^1/10
1+T = 1.00178
T = 0.0018
<PAGE>
SOCIAL AWARENESS SERIES
AVERAGE ANNUAL TOTAL RETURN AS OF
DECEMBER 31, 1999 (without deduction
of contingent deferred sales charge)
1 Year
1000 (1+T)^1 = 1,119.70
(1+T)^1 = (1.11970)^1
1+T = 1.11970
T = 0.1197
5 Years
1000 (1+T)^5 = 1,188.53
((1+T)^5)^1/5 = (1.18853)^1/5
1+T = 1.03514
T = 0.0351
8.67 Years (From date of inception May 1, 1991)
1000 (1+T)^8.67 = 2,623.03
((1+T)^8.67)^1/8.67 = (2.62303)^1/8.67
1+T = 1.11767
T = 0.1177
<PAGE>
MID CAP GROWTH SERIES
AVERAGE ANNUAL TOTAL RETURN AS OF
DECEMBER 31, 1999 (without deduction
of contingent deferred sales charge)
1 Year
1000 (1+T)^1 = 1,558.08
(1+T)^1 = (1.55808)^1
1+T = 1.55808
T = 0.5581
5 Years
1000 (1+T)^5 = 1,215.45
((1+T)^5)^1/5 = (1.21545)^1/5
1+T = 1.03979
T = 0.0398
7.25 Years (From date of inception October 1, 1992)
1000 (1+T)^7.25 = 3,221.70
((1+T)^7.25)^1/7.25 = (3.22170)^1/7.25
1+T = 1.17513
T = 0.1751
<PAGE>
GLOBAL STRATEGIC INCOME SERIES
AVERAGE ANNUAL TOTAL RETURN AS OF
DECEMBER 31, 1999 (without deduction
of contingent deferred sales charge)
1 Year
1000 (1+T)^1 = 962.71
(1+T)^1 = (0.96271)^1
1+T = 0.96271
T = -0.0373
4.60 Years (From date of inception June 1, 1995)
1000 (1+T)^4.60 = 1,112.42
((1+T)^4.60)^1/4.60 = (1.11242)^1/4.60
1+T = 1.02342
T = 0.0234
<PAGE>
GLOBAL TOTAL RETURN SERIES
AVERAGE ANNUAL TOTAL RETURN AS OF
DECEMBER 31, 1999 (without deduction
of contingent deferred sales charge)
1 Year
1000 (1+T)^1 = 1,088.17
(1+T)^1 = (1.08817)^1
1+T = 1.08817
T = 0.0882
4.60 Years (from date of inception June 1, 1995)
1000 (1+T)^4.60 = 1,338.30
((1+T)^4.60)^1/4.60 = (1.33830)^1/4.60
1+T = 1.06536
T = 0.0654
<PAGE>
MANAGED ASSET ALLOCATION SERIES
AVERAGE ANNUAL TOTAL RETURN AS OF
DECEMBER 31, 1999 (without deduction
of contingent deferred sales charge)
1 Year
1000 (1+T)^1 = 1,046.63
(1+T)^1 = (1.04663)^1
1+T = 1.04663
T = 0.0466
4.60 Years (from date of inception June 1, 1995)
1000 (1+T)^4.60 = 1,507.43
((1+T)^4.60)^1/4.60 = (1.50743)^1/4.60
1+T = 1.09326
T = 0.0933
<PAGE>
EQUITY INCOME SERIES
AVERAGE ANNUAL TOTAL RETURN AS OF
DECEMBER 31, 1999 (without deduction
of contingent deferred sales charge)
1 Year
1000 (1+T)^1 = 981.79
(1+T)^1 = (0.98179)^1
1+T = 0.98179
T = -0.0182
4.60 Years (from date of inception June 1, 1995)
1000 (1+T)^4.60 = 1,667.35
((1+T)^4.60)^1/4.60 = (1.66735)^1/4.60
1+T = 1.11748
T = 0.1175
<PAGE>
HIGH YIELD SERIES
AVERAGE ANNUAL TOTAL RETURN AS OF
DECEMBER 31, 1999 (without deduction
of contingent deferred sales charge)
1 Year
1000 (1+T)^1 = 963.98
(1+T)^1 = (0.96398)^1
1+T = 0.96398
T = -0.0360
3.40 Years (from date of inception August 5, 1996)
1000 (1+T)^3.40 = 1,085.45
((1+T)^3.40)^1/3.40 = (1.08545)^1/3.40
1+T = 1.02439
T = 0.0244
<PAGE>
MID CAP VALUE SERIES
AVERAGE ANNUAL TOTAL RETURN AS OF
DECEMBER 31, 1999 (without deduction
of contingent deferred sales charge)
1 Year
1000 (1+T)^1 = 1,136.34
(1+T)^1 = (1.13634)^1
1+T = 1.13634
T = -0.1363
2.67 Year (from date of inception May 1, 1997)
1000 (1+T)^2.67 = 1,621.66
((1+T)^2.67)^1/2.67 = (1.62166)^1/2.67
1+T = 1.19840
T = 0.1984
<PAGE>
SMALL CAP GROWTH SERIES
AVERAGE ANNUAL TOTAL RETURN AS OF
DECEMBER 31, 1999 (without deduction
of contingent deferred sales charge)
1 Year
1000 (1+T)^1 = 1,806.87
(1+T)^1 = (1.80687)^1
1+T = 1.80687
T = 0.8069
2.21 Year (from date of inception October 15, 1997)
1000 (1+T)^2.21 = 1,769.34
((1+T)^2.21)^1/2.21 = (1.76934)^1/2.21
1+T = 1.29444
T = 0.2944
<PAGE>
ENHANCED INDEX SERIES
AVERAGE ANNUAL TOTAL RETURN AS OF
DECEMBER 31, 1999 (without deduction
of contingent deferred sales charge)
.66 Year (from date of inception May 3, 1999)
1000 (1+T)^.66 = 1,079.48
((1+T)^.66)^1/.66 = (1.07948)^1/.66
1+T = 1.12227
T = 0.1223
<PAGE>
INTERNATIONAL SERIES
AVERAGE ANNUAL TOTAL RETURN AS OF
DECEMBER 31, 1999 (without deduction
of contingent deferred sales charge)
.66 Year (from date of inception May 3, 1999)
1000 (1+T)^.66 = 1,254.14
((1+T)^.66)^1/.66 = (1.25414)^1/.66
1+T = 1.40712
T = 0.4071
<PAGE>
SELECT 25 SERIES
AVERAGE ANNUAL TOTAL RETURN AS OF
DECEMBER 31, 1999 (without deduction
of contingent deferred sales charge)
.66 Year (from date of inception May 3, 1999)
1000 (1+T)^.66 = 1,191.84
((1+T)^.66)^1/.66 = (1.19184)^1/.66
1+T = 1.29882
T = 0.2988
<PAGE>
DIVERSIFIED INCOME SERIES
Yield Calculation As Of December 31, 1999 = 7.68%
----
[ (212,220.86-0.00) ]^6
2[----------------------- + 1 ] - 1
[(2,719,263.4504)(12.40) ]
[(( 212,220.86 ) )^6]
2[((-------------) + 1) ] - 1
[((33,718,866.78) ) ]
2[((0.006293831 + 1)^6) - 1]
2[(1.006263831)^6 - 1]
2[(1.0384 - 1)]
2(0.0384)
= 0.0768
------