J Ohn Hancock Variable Insurance Trust

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John Hancock Variable Insurance Trust601 Congress Street, Boston, Massachusetts 02210John Hancock Variable Insurance Trust (“JHVIT” or the “Trust”) is an open-end management investment company, commonly known as a mutual fund.Shares of JHVIT are not offered directly to the public but are sold only to insurance companies and their separate accounts as the underlying investmentmedium for variable annuity and variable life insurance contracts (“variable contracts”). JHVIT provides a range of investment objectives through 78separate investment portfolios or funds (each a “fund,” collectively the “funds”). The following funds are described in this Prospectus:TickerFund NameSeries I500 Index Trust BJFIVXActive Bond Trust—All Cap Core TrustJEACXAmerican Asset Allocation Trust—American Global Growth Trust—American Growth Trust—American Growth-Income Trust—American International Trust—American New World Trust—Blue Chip Growth Trust—Bond Trust—Capital Appreciation Trust—Capital Appreciation Value Trust—Core Bond Trust—Core Strategy Trust—Equity-Income Trust—Financial Industries TrustJEFSXFranklin Templeton Founding Allocation Trust —Fundamental All Cap Core TrustJEQAXFundamental Large Cap Value Trust—Global TrustJEFGXGlobal Bond Trust—Health Sciences TrustJEHSXHigh Yield Trust—International Core Trust—Interantional Equity Index Trust BJIEQXInternational Growth Stock Trust—International Small Company Trust—International Value Trust—Investment Quality Bond Trust—TickerSeries IIFund NameSeries ISeries e Aggressive MVPLifestyle Aggressive PS SeriesLifestyle Balanced MVPLifestyle Balanced PS SeriesLifestyle Conservative MVPLifestyle Conservative PS SeriesLifestyle Growth MVPLifestyle Growth PS SeriesLifestyle Moderate MVPLifestyle Moderate PS SeriesMid Cap Index TrustMid Cap Stock TrustMid Value TrustMoney Market TrustReal Estate Securities TrustReal Return Bond TrustScience & Technology TrustShort Term Government Income TrustSmall Cap Growth TrustSmall Cap Index TrustSmall Cap Opportunities TrustSmall Cap Value TrustSmall Company Value TrustStrategic Income Opportunities TrustTotal Bond Market Trust BTotal Stock Market Index TrustUltra Short Term Bond TrustU.S. Equity TrustUtilities TrustValue ��———————Neither the Securities and Exchange Commission (the “SEC”) nor any state securities commission has approved or disapproved of thesesecurities or determined if this Prospectus is truthful or complete. Any representation to the contrary is a criminal offense. No person,including any dealer or salesperson, has been authorized to give any information or to make any representations, unless the information orrepresentation is set forth in this Prospectus. If any such unauthorized information or representation is given, it should not be relied upon ashaving been authorized by JHVIT, the advisor or any subadvisors to JHVIT or the principal underwriter of the shares. This Prospectus is notan offer to sell shares of JHVIT in any state where such offer or sale would be prohibited.Prospectus dated April 27, 2015

This Prospectus describes Portfolios available with the following variable annuity Contracts:Venture (Contracts issued before 2009)Venture Vantage Venture Vision Venture III Venture StrategyPlease note:The following Portfolios are not available with Venture Strategy Contracts:Lifestyle Aggressive PS SeriesLifestyle Balanced PS SeriesLifestyle Conservative PS SeriesLifestyle Growth PS SeriesLifestyle Moderate PS SeriesTotal Bond Market Trust BUltra Short Term Bond Trust1315642:JHVIT Version 1

John Hancock Variable Insurance TrustTable of contents500 Index Trust B1Active Bond Trust4All Cap Core Trust8American Asset Allocation Trust11American Global Growth Trust14American Growth Trust17American Growth-Income Trust20American International Trust23American New World Trust26Blue Chip Growth Trust29Bond Trust33Capital Appreciation Trust36Capital Appreciation Value Trust40Core Bond Trust44Core Strategy Trust47Equity-Income Trust52Financial Industries Trust56Franklin Templeton Founding Allocation Trust59Fundamental All Cap Core Trust64Fundamental Large Cap Value Trust67Global Trust70Global Bond Trust73Health Sciences Trust77High Yield Trust80International Core Trust83International Equity Index Trust B86International Growth Stock Trust89International Small Company Trust92International Value Trust96Investment Quality Bond Trust99Lifestyle Aggressive MVP103Lifestyle Aggressive PS Series110Lifestyle Balanced MVP115Lifestyle Balanced PS Series122Lifestyle Conservative MVP127Lifestyle Conservative PS Series134Lifestyle Growth MVP140Lifestyle Growth PS Series147Lifestyle Moderate MVP152Lifestyle Moderate PS Series159Mid Cap Index Trust164Mid Cap Stock Trust167Mid Value Trust170Money Market Trust173Real Estate Securities Trust176Real Return Bond Trust179

Science & Technology Trust183Short Term Government Income Trust187Small Cap Growth Trust190Small Cap Index Trust193Small Cap Opportunities Trust196Small Cap Value Trust200Small Company Value Trust203Strategic Income Opportunities Trust207Total Bond Market Trust B210Total Stock Market Index Trust213Ultra Short Term Bond Trust216U.S. Equity Trust219Utilities Trust222Value Trust226ADDITIONAL INFORMATION ABOUT THE FUNDS229OTHER PERMITTED INVESTMENTS BY THE FUNDS OF FUNDS229ADDITIONAL INFORMATION ABOUT THE FUNDS OF FUNDS' PRINCIPAL RISKS230ADDITIONAL INFORMATION ABOUT THE FUNDS' PRINCIPAL RISKS234ADDITIONAL INFORMATION ABOUT THE FUNDS' INVESTMENT POLICIES (INCLUDING EACH FUND OF FUNDS)243MANAGEMENT244Trustees244Investment Management207Subadvisors and Portfolio Managers245SHARE CLASSES AND RULE 12B-1 PLANS257Share classes257Rule 12b-1 Plans257GENERAL INFORMATION258Purchase and redemption of shares258Valuation of shares258Valuation of securities258Dividends259Disruptive short term trading259Policy regarding disclosure of fund portfolio holdings260XBRL filings260Additional information about fund expenses260FINANCIAL HIGHLIGHTS261APPENDIX ASCHEDULE OF MANAGEMENT FEES290FOR MORE INFORMATION296

500 Index Trust BInvestment objectiveTo approximate the aggregate total return of a broad-based U.S. domestic equity market index.Fees and expensesThis table describes the fees and expenses that you may pay if you buy and hold shares of the fund. The fees and expenses do not reflect fees andexpenses of any variable insurance contract that may use the fund as its underlying investment medium and would be higher if they did.Annual fund operating expenses (%) (expenses that you pay each year as a percentage of the value of yourinvestment)Management feeSeries I0.46Series II0.46Distribution and service (Rule 12b-1) fees0.050.25Other expenses0.030.03Total annual fund operating expenses0.540.74– 0.24– 0.240.300.50Contractual expense reimbursement1Total annual fund operating expenses after expense reimbursements1 The advisor has agreed to waive its advisory fee (or, if necessary, reimburse expenses of the fund) in an amount so that the fund’s annual operating expenses do not exceed its“Total annual fund operating expenses after expense reimbursements” as shown in the table above. A fund’s “Total annual fund operating expenses” includes all of itsoperating expenses including advisory and Rule 12b-1 fees, but excludes taxes, brokerage commissions, interest, short dividends, acquired fund fees, litigation andindemnification expenses and extraordinary expenses of the fund not incurred in the ordinary course of the fund’s business. The advisor’s obligation to provide the expense capwill remain in effect until April 30, 2016 unless renewed by mutual agreement of the fund and the advisor based upon a determination that this is appropriate under thecircumstances at that time.Expense exampleThe examples are intended to help you compare the cost of investing in the fund with the cost of investing in other mutual funds. The examplesassume that 10,000 is invested in the fund for the periods indicated and then all shares are redeemed at the end of those periods. The examples alsoassume that the investment has a 5% return each year and that the fund’s operating expenses remain the same. The expense example does not reflectfees and expenses of any variable insurance contract that may use the fund as its underlying investment medium and would be higher if they did.Although your actual costs may be higher or lower, based on these assumptions your costs would be:Expenses ( )1 yearSeries I31Series II513 years1492125 years27838810 years654896Portfolio turnoverThe fund pays transaction costs, such as commissions, when it buys and sells securities (or “turns over” its portfolio). A higher portfolio turnover ratemay indicate higher transaction costs. These costs, which are not reflected in annual fund operating expenses or in the example, affect the fund’sperformance. During its most recent fiscal year, the fund’s portfolio turnover rate was 2% of the average value of its portfolio.Principal investment strategiesUnder normal market conditions, the fund seeks to approximate the aggregate total return of a broad-based U.S. domestic equity market index. Topursue this goal, the fund invests at least 80% of its net assets (plus any borrowings for investment purposes) at the time of investment in (a) thecommon stocks that are included in the S&P 500 Index and (b) securities (which may or may not be included in the S&P 500 Index) that the subadvisorbelieves as a group will behave in a manner similar to the index. The subadvisor may determine that the fund’s investments in certain instruments, suchas index futures, total return swaps and exchanged-traded funds (“ETFs”) have similar economic characteristics as securities that are in the S&P 500Index. As of February 28, 2015, the market capitalizations of companies included in the S&P 500 Index ranged from 3 billion to 753.4 billion.An index is an unmanaged group of securities whose overall performance is used as an investment benchmark. Indexes may track broad investmentmarkets, such as the global equity market, or more narrow investment markets, such as the U.S. small cap equity market. In contrast to activelymanaged funds, which seek to outperform their respective benchmark indexes through research and analysis, index funds are passively managed fundsthat seek to mirror the performance of their target indexes, minimizing performance differences over time. The fund attempts to match theperformance of the S&P 500 Index by: (a) holding all, or a representative sample, of the securities that comprise that index and/or (b) by holdingsecurities (which may or may not be included in the index) that the subadvisor believes as a group will behave in a manner similar to the index.However, an index fund has operating expenses and transaction costs, while a market index does not. Therefore, the fund, while it attempts to track itstarget index closely, typically will be unable to match the performance of the index exactly. The composition of an index changes from time to time,and the subadvisor will reflect those changes in the composition of the fund’s portfolio as soon as practicable.1.

Use of Hedging and Other Strategic Transactions. The fund may invest in futures contracts, swaps, and Depositary Receipts. The fund may invest inderivatives (investments whose value is based on securities, indexes or currencies).Principal risksThe fund is subject to risks, and you could lose money by investing in the fund. The principal risks of investing in the fund include:Credit and counterparty risk. The counterparty to an over-the-counter derivatives contract or a borrower of a fund’s securities may be unable orunwilling to make timely principal, interest, or settlement payments, or otherwise honor its obligations.Cybersecurity risk. Cybersecurity breaches may allow an unauthorized party to gain access to fund assets, customer data, or proprietary information,or cause the fund and/or its service providers to suffer data corruption or lose operational functionality.Economic and market events risk. Events in the financial markets have resulted, and may continue to result, in an unusually high degree of volatilityin the financial markets, both domestic and foreign. In addition, reduced liquidity in credit and fixed-income markets may adversely affect issuersworldwide. Banks and financial services companies could suffer losses if interest rates were to rise or economic conditions deteriorate.Equity securities risk. The value of a company’s equity securities is subject to changes in the company’s financial condition and overall market andeconomic conditions.Foreign securities risk. As compared to U.S. corporate and government issuers, there may be less publicly available information relating to foreigncorporate and government issuers. Foreign securities may be subject to foreign taxes. The value of foreign securities is subject to currency fluctuationsand adverse political and economic developments.Hedging, derivatives, and other strategic transactions risk. Hedging, derivatives, and other strategic transactions may increase the volatility of afund and, if the transaction is not successful, could result in a significant loss to a fund. The use of derivative instruments could producedisproportionate gains or losses, more than the principal amount invested. Investing in derivative instruments involves risks different from, or possiblygreater than, the risks associated with investing directly in securities and other traditional investments and, in a down market, derivative instrumentscould become harder to value or sell at a fair price. The following is a list of certain derivatives and other strategic transactions that the fund intends toutilize and the main risks associated with each of them:Futures contracts. Counterparty risk, liquidity risk (i.e., the inability to enter into closing transactions), and risk of disproportionate loss are theprincipal risks of engaging in transactions involving futures contracts.Swaps. Counterparty risk, liquidity risk (i.e., the inability to enter into closing transactions), interest-rate risk, settlement risk, risk of default of theunderlying reference obligation, and risk of disproportionate loss are the principal risks of engaging in transactions involving swaps.Index management risk. Certain factors may cause a fund that is an index fund to track its target index less closely. For example, a subadvisor mayselect securities that are not fully representative of the index, and the fund’s transaction expenses, and the size and timing of its cash flows, may resultin the fund’s performance being different than that of its index. Moreover, the fund will generally reflect the performance of its target index even whenthe index does not perform well.Issuer risk. An issuer of a security may perform poorly and, therefore, the value of its stocks and bonds may decline. An issuer of securities held by thefund could default or have its credit rating downgraded.S&P 500 Index risk An investment in the fund involves risks similar to the risks of investing directly in the equity securities included in the S&P 500Index.Past performanceThe following information provides some indication of the risks of investing in the fund by showing changes in performance from year to year and byshowing how average annual returns for specified periods compare with those of a broad measure of market performance. Unless all share classesshown in the table have the same inception date, performance shown for periods prior to the inception date of a class is the performance of the fund’soldest share class. This pre-inception performance, with respect to any other share class of the fund, has not been adjusted to reflect the Rule 12b-1fees of that class. As a result, the pre-inception performance shown for a share class other than the oldest share class may be higher or lower than itwould be if adjusted to reflect the Rule 12b-1 fees of the class. For periods prior to the inception date of the fund, performance shown is the actualperformance of the sole share class of the fund’s predecessor fund and has not been adjusted to reflect the Rule 12b-1 fees of any class of shares. As aresult, pre-inception performance of the fund may be higher than if adjusted to reflect the Rule 12b-1 fees of the class. The performance informationbelow does not reflect fees and expenses of any variable insurance contract which may use JHVIT as its underlying investment medium. If such fees andexpenses had been reflected, performance would be lower. The past performance of the fund is not necessarily an indication of how the fund willperform in the future.2.

Calendar year total returns for Series I 01014.8620111.87201215.75201332.03201413.33Best quarter: Q2 ‘09, 15.85%Worst quarter: Q4 ‘08, –22.11%Average Annual Total Returns for Period Ended 12/31/20141 Year13.335 Year15.1710 Year7.43Date ofInception11/05/2012Series II13.1515.087.3811/05/2012S&P 500 Index (reflects no deduction for fees, expenses, or taxes)13.6915.457.6705/01/1996Average annual total returns (%)Series IInvestment managementInvestment Advisor John Hancock Investment Management Services, LLCSubadvisor John Hancock Asset Management a division of Manulife Asset Management (North America) Limited*Portfolio managementBrett Hryb, CFAManaging Director and Senior Portfolio ManagerManaged fund since 2014Ashikhusein Shahpurwala, CFASenior Portfolio ManagerManaged fund since 2013Other important information regarding the fundFor important information about taxes and financial intermediary compensation, please turn to “Additional Information about the funds” at page229 of the Prospectus.3.

Active Bond TrustInvestment objectiveTo seek income and capital appreciation.Fees and expensesThis table describes the fees and expenses that you may pay if you buy and hold shares of the fund. The fees and expenses do not reflect fees andexpenses of any variable insurance contract that may use the fund as its underlying investment medium and would be higher if they did.Annual fund operating expenses (%) (expenses that you pay each year as a percentage of the value of yourinvestment)Management feeSeries I0.60Series II0.60Distribution and service (Rule 12b-1) fees0.050.25Other expenses0.040.04Total annual fund operating expenses0.690.89Expense exampleThe examples are intended to help you compare the cost of investing in the fund with the cost of investing in other mutual funds. The examplesassume that 10,000 is invested in the fund for the periods indicated and then all shares are redeemed at the end of those periods. The examples alsoassume that the investment has a 5% return each year and that the fund’s operating expenses remain the same. The expense example does not reflectfees and expenses of any variable insurance contract that may use the fund as its underlying investment medium and would be higher if they did.Although your actual costs may be higher or lower, based on these assumptions your costs would be:Expenses ( )1 yearSeries I70Series II913 years2212845 years38449310 years8591,096Portfolio turnoverThe fund pays transaction costs, such as commissions, when it buys and sells securities (or “turns over” its portfolio). A higher portfolio turnover ratemay indicate higher transaction costs. These costs, which are not reflected in annual fund operating expenses or in the example, affect the fund’sperformance. During its most recent fiscal year, the fund’s portfolio turnover rate was 62% of the average value of its portfolio.Principal investment strategiesUnder normal market conditions, the fund invests at least 80% of its net assets (plus any borrowings for investment purposes) in a diversified mix ofdebt securities and instruments. The fund seeks to invest its assets in debt securities and instruments with an average duration of between 4 to 6 years,however, there is no limit on the fund’s average maturity. As part of its investment strategy, the fund may invest in mortgage-backed securities to asignificant extent.Eligible investments include, but are not limited to:¡ U.S. Treasury and agency securities;¡ Asset-backed securities and mortgage-backed securities, both investment grade and below-investment grade, including mortgage pass-throughsecurities, commercial mortgage-backed securities (“CMBS”) and collateralized mortgage obligations (“CMOs”);¡ Corporate bonds, both U.S. and foreign, and without any limit on credit quality; and¡ Foreign government and agency securities.The fund may invest in asset-backed securities rated, at the time of purchase, less than A (but not rated lower than B by Standard & Poor’s RatingsServices (“S&P”) or Moody’s Investors Service (“Moody’s”). Each subadvisor uses proprietary research and economic and industry analysis to identifyspecific bonds, bond sectors and industries that are attractively priced. Due to this process, the fund may have a higher than average portfolio turnoverratio, which may increase expenses and affect performance results.The foreign securities in which the fund invests may be denominated in U.S. dollars or foreign currency.The fund employs a multi-manager approach with two subadvisors, Declaration Management & Research LLC (“Declaration”) and John Hancock AssetManagement a division of Manulife Asset Management (US) LLC (“John Hancock Asset Management”), each of which employs its own investmentapproach and independently manages its portion of the fund. The fund will be rebalanced periodically so that the subadvisors manage the followingportions of the fund:4.

50%* Declaration50%* John Hancock Asset Management*Percentages are approximate. Since the fund is only rebalanced periodically, the actual portion of the fund managed by each subadvisor will vary.This allocation methodology may change in the future.DeclarationDeclaration uses a combination of proprietary research and quantitative tools and seeks to identify bonds and bond sectors that are attractively pricedbased upon market fundamentals and technical factors. Declaration opportunistically emphasizes bonds with yields in excess of U.S. Treasury securities.This portion of the fund normally has no more than 10% of its total assets in high yield bonds (“junk bonds”) and normally invests in foreign securitiesonly if U.S. dollar-denominated. This portion of the fund normally has an average credit rating of “A” or “AA.”John Hancock Asset ManagementJohn Hancock Asset Management uses proprietary research to identify specific bond sectors, industries and bonds that are attractively priced. JohnHancock Asset Management tries to anticipate shifts in the business cycle, using economic and industry analysis to determine which sectors andindustries might benefit over the next 12 months.This portion of the fund normally has no more than 25% of its total assets in high yield bonds (sometimes referred to as “junk bonds”) and may investin both U.S. dollar-denominated and foreign currency-denominated foreign securities. This portion of the fund normally has an average credit rating of“A” or “AA.”Under normal circumstances, no more than 15% of the total assets of the portion of the fund managed by John Hancock Asset Management will beinvested in asset-backed securities rated lower than A by both rating agencies.Use of Hedging and Other Strategic Transactions. The fund is authorized to use all of the various investment strategies referred to under “AdditionalInformation About the Funds’ Principal Risks — Hedging, derivatives and other strategic trans actions risk” including, but not limited to, U.S. Treasuryfutures and options, index derivatives, credit default swaps and forwards.Principal risksThe fund is subject to risks, and you could lose money by investing in the fund. The principal risks of investing in the fund include:Active management risk. A subadvisor’s investment strategy may fail to produce the intended result.Changing distribution levels risk. The distribution amounts paid by the fund generally depend on the amount of income and/or dividends receivedby the fund’s investments. As a result of market, interest rate and other circumstances, the amount of cash available for distribution by the fund andthe fund’s distribution rate may vary or decline. The risk of such variability is accentuated in currently prevailing market and interest rate circumstances.Credit and counterparty risk. The issuer or guarantor of a fixed-income security, the counterparty to an over-the-counter derivatives contract, or aborrower of a fund’s securities may be unable or unwilling to make timely principal, interest, or settlement payments, or otherwise honor itsobligations. U.S. government securities are subject to varying degrees of credit risk depending upon the nature of their support. Funds that invest infixed-income securities are subject to varying degrees of risk that the issuers of the securities will have their credit rating downgraded or will default,potentially reducing a fund’s share price and income level.Cybersecurity risk. Cybersecurity breaches may allow an unauthorized party to gain access to fund assets, customer data, or proprietary information,or cause the fund and/or its service providers to suffer data corruption or lose operational functionality.Economic and market events risk. Events in the financial markets have resulted, and may continue to result, in an unusually high degree of volatilityin the financial markets, both domestic and foreign. In addition, relatively high market volatility and reduced liquidity in credit and fixed-incomemarkets may adversely affect issuers worldwide. The conclusion of the U.S. Federal Reserve’s quantitative easing stimulus program and/or increases inthe level of short-term interest rates could cause fixed-income markets to experience continuing high volatility, which could negatively impact thefund’s performance. Banks and financial services companies could suffer losses if interest rates were to rise or economic conditions deteriorate.Fixed-income securities risk. Fixed-income securities are affected by changes in interest rates and credit quality. A rise in interest rates typicallycauses bond prices to fall. The longer the average maturity or average duration of the bonds held by the fund, the more sensitive the fund is likely tobe to interest-rate changes. There is the possibility that the issuer of the security will not repay all or a portion of the principal borrowed and will notmake all interest payments.Foreign securities risk. As compared to U.S. corporate and government issuers, there may be less publicly available information relating to foreigncorporate and government issuers. Foreign securities may be subject to foreign taxes. The value of foreign securities is subject to currency fluctuationsand adverse political and economic developments.Hedging, derivatives, and other strategic transactions risk. Hedging, derivatives, and other strategic transactions may increase the volatility of afund and, if the transaction is not successful, could result in a significant loss to a fund. The use of derivative instruments could producedisproportionate gains or losses, more than the principal amount invested. Investing in derivative instruments involves risks different from, or possiblygreater than, the risks associated with investing directly in securities and other traditional investments and, in a down market, derivative instrumentscould become harder to value or sell at a fair price. The following is a list of certain derivatives and other strategic transactions that the fund intends toutilize and the main risks associated with each of them:5.

Futures contracts. Counterparty risk, liquidity risk (i.e., the inability to enter into closing transactions), and risk of disproportionate loss are theprincipal risks of engaging in transactions involving futures contracts.Options. Counterparty risk, liquidity risk (i.e., the inability to enter into closing transactions), and risk of disproportionate loss are the principal risksof engaging in transactions involving options. Counterparty risk does not apply to exchange-traded options.Swaps. Counterparty risk, liquidity risk (i.e., the inability to enter into closing transactions), interest-rate risk, settlement risk, risk of default of theunderlying reference obligation, and risk of disproportionate loss are the principal risks of engaging in transactions involving swaps.Swaptions. Counterparty risk, liquidity risk (i.e., the inability to enter into closing transactions), interest-rate risk, risk of default of the underlyingreference obligation and risk of disproportionate loss are the principal risks of engaging in transactions involving swaptions.Issuer risk. An issuer of a security may perform poorly and, therefore, the value of its stocks and bonds may decline. An issuer of securities held by thefund could default or have its credit rating downgraded.Liquidity risk. Exposure exists when reduced trading volume, a relative lack of market makers, or legal restrictions impair the ability to sell particularsecurities or close derivative positions at an advantageous price. Liquidity risk may result from the lack of an active market, the reduced number oftraditional market participants, or the reduced capacity of traditional market participants to make a market in fixed-income securities. In addition,liquidity risk may be magnified in a rising interest rate environment in which investor redemptions from fixed-income mutual funds may be higher thannormal; the selling of fixed-income securities to satisfy fund shareholder redemptions may result in an increased supply of such securities during periodsof reduced investor demand due to a lack of buyers, thereby impairing the fund’s ability to

J ohn Hancock Variable Insurance Trust 6 01 Congress Street, Boston, Massachusetts 02210 . John Hancock Variable Insurance Trust Table of contents 500 Index Trust B Active Bond Trust . Lifestyle Growth MVP Lifestyle Growth PS Series Lifestyle Moderate MVP Lifestyle Moderate PS Series

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