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Massachusetts Mutual Variable Annuity Separate Account 4
<div><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt"><b>Are There Charges or </b></span></span><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt"><b>Adjustments for Early </b></span></span><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt"><b>Withdrawals?</b></span></span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt"><b>Yes.</b></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt"> If you withdraw money from your B-Share Contract within </span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">seven</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt"> years </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">following your last Purchase Payment, you may be assessed a Contingent </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">Deferred Sales Charge (CDSC) of up to </span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">7</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">% of the Purchase Payment </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">withdrawn (less a 10% free withdrawal amount), declining to 0% after the </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">seventh year.</span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">If you withdraw money from your L-Share Contract within four years </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">following your last Purchase Payment, you may be assessed a CDSC of up </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">to 7% of the Purchase Payment withdrawn (less a 10% free withdrawal </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">amount), declining to 0% after the fourth year.</span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">For example, if you purchased the B-Share or L-Share Contract and </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">withdraw the $100,000 initial Purchase Payment during the first two years </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">after your Purchase Payment, you could be assessed a charge of up to </span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$6,300</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt"> on the Purchase Payment withdrawn. This could result in a loss of </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">principal regardless of market performance. This loss will be greater if </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">income taxes or premature distribution taxes apply.</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">Charges and Deductions – </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">Contingent Deferred Sales </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">Charge (CDSC)</span></div>
7
0.07
6300
<div><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt"><b>Are There </b></span></span><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt"><b>Transaction Charges?</b></span></span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt"><b>No.</b></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt"> Currently, we do not assess a charge to transfer Contract Value among </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">the investment options during the Accumulation Phase. However, we </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">reserve the right to charge $20 per transfer in excess of 12 in a single </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">calendar year.</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">Charges and Deductions – </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">Transfer Fee</span></div>
0.0133
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0.0168
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1604
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<span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;">Represents the mortality and expense risk charge and administrative charge (charged as a percentage of average account value in the Separate Account on an </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;">annualized basis)</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;"> and the annual contract maintenance charge (a fixed dollar amount that may be waived for certain Contract Value amounts) </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;">collected during the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;">Contract Year that are attributable to the Contract divided by the total average net assets that are attributable to the Contract.</span>
<span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;">As a percentage of Fund assets.</span>
<span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;">This charge is the lowest current charge for the optional benefit available with this contract. It is the current charge for the 12-Year GMAB. The charge is a </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;">percentage of the GMAB Amount.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;">This charge is the highest current charge for the optional benefit available with this contract. It is the current charge for the 12-Year GMAB. The charge is a </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;">percentage of the GMAB Amount.</span>
<span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;">The calculation of the highest annual cost assumes election of the 12-Year GMAB.</span>
<div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Yes.</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> You can lose money by investing in this Contract, including loss of </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">principal.</span></div>
<div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>No.</b></span></div><div>
<ul style="font-size:16pt;line-height:10pt;padding-left:8pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';">
<li style="padding:0;margin:0;">
<div style="margin-top:2pt; padding-left:22pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">This Contract is not designed for short-term investing and is not </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">appropriate for an investor who needs ready access to cash.</span></div>
</li>
</ul></div><div>
<ul style="font-size:16pt;line-height:10pt;padding-left:8pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';">
<li style="padding:0;margin:0;">
<div style="margin-top:2pt; padding-left:22pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">CDSCs may apply for up to seven years (for B-Share Contracts) or four </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">years (for L-Share Contracts) following your last Purchase Payment.</span></div>
</li>
</ul></div><div>
<ul style="font-size:16pt;line-height:10pt;padding-left:8pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';">
<li style="padding:0;margin:0;">
<div style="margin-top:2pt; padding-left:22pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">If CDSCs apply, they will reduce the value of your Contract if you </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">withdraw money during that time. The benefits of tax deferral also mean </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">the Contract is more beneficial to investors with a long time horizon.</span></div>
</li>
</ul></div><div>
<ul style="font-size:16pt;line-height:10pt;padding-left:8pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';">
<li style="padding:0;margin:0;">
<div style="margin-top:2pt; padding-left:22pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Withdrawals may result in income taxes and premature distribution </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">taxes.</span></div>
</li>
</ul></div>
<div>
<ul style="font-size:16pt;line-height:10pt;padding-left:8pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';">
<li style="padding:0;margin:0;">
<div style="margin-top:2pt; padding-left:22pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">An investment in this Contract is subject to the risk of poor investment </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">performance of the Funds you choose and can vary depending upon the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">performance of the Funds available under the Contract.</span></div>
</li>
</ul></div><div>
<ul style="font-size:16pt;line-height:10pt;padding-left:8pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';">
<li style="padding:0;margin:0;">
<div style="margin-top:2pt; padding-left:22pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Each Fund and fixed account has its own unique risks.</span></div>
</li>
</ul></div><div>
<ul style="font-size:16pt;line-height:10pt;padding-left:8pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';">
<li style="padding:0;margin:0;">
<div style="margin-top:2pt; padding-left:22pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">You should review the investment options, including prospectuses for </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">the available Funds and the terms of any fixed account, before making </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">an investment decision.</span></div>
</li>
</ul></div>
<div>
<ul style="font-size:16pt;line-height:10pt;padding-left:8pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';">
<li style="padding:0;margin:0;">
<div style="margin-top:2pt; padding-left:22pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Any obligations (including under any fixed account), guarantees, and </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">benefits of the Contract are subject to the claims-paying ability of </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">MassMutual. If MassMutual experiences financial distress, it may not be </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">able to meet its obligations to you. More information about MassMutual, </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">including its financial strength ratings, is available at </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">www.MassMutual.com/ratings.</span></div>
</li>
</ul></div>
<div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Yes.</b></span></div><div>
<ul style="font-size:16pt;line-height:10pt;padding-left:8pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';">
<li style="padding:0;margin:0;">
<div style="margin-top:2pt; padding-left:22pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Currently, there is no charge when you transfer Contract </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Value among Sub-Accounts. However, we reserve the right to </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">charge $20 per transfer in excess of 12 in a single calendar </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">year.</span></div>
</li>
</ul></div><div>
<ul style="font-size:16pt;line-height:10pt;padding-left:8pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';">
<li style="padding:0;margin:0;">
<div style="margin-top:2pt; padding-left:22pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">We reserve the right to remove or substitute Funds as </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">investment options that are available under the Contract.</span></div>
</li>
</ul></div><div>
<ul style="font-size:16pt;line-height:10pt;padding-left:8pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';">
<li style="padding:0;margin:0;">
<div style="margin-top:2pt; padding-left:22pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">We reserve the right to limit transfers if frequent or large </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">transfers occur.</span></div>
</li>
</ul></div><div>
<ul style="font-size:16pt;line-height:10pt;padding-left:8pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';">
<li style="padding:0;margin:0;">
<div style="margin-top:2pt; padding-left:22pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">We reserve the right to reject subsequent Purchase Payments </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">into the DCA Fixed Account to establish a DCA Fixed </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Account Term or into a current DCA Term.</span></div>
</li>
</ul></div><div>
<ul style="font-size:16pt;line-height:10pt;padding-left:8pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';">
<li style="padding:0;margin:0;">
<div style="margin-top:2pt; padding-left:22pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Your Contract will be subject to investment allocation </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">restrictions while the GMAB is in effect.</span></div>
</li>
</ul></div>
<div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Yes.</b></span></div><div>
<ul style="font-size:16pt;line-height:10pt;padding-left:8pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';">
<li style="padding:0;margin:0;">
<div style="margin-top:2pt; padding-left:22pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">We no longer offer the GMAB, either the 12-Year Benefit or </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">20-Year Benefit, as an optional benefit.</span></div>
</li>
</ul></div><div>
<ul style="font-size:16pt;line-height:10pt;padding-left:8pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';">
<li style="padding:0;margin:0;">
<div style="margin-top:2pt; padding-left:22pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">If you purchased a GMAB, either the 12-Year Benefit or </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">20-Year Benefit, while the GMAB is in effect, you cannot </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">participate in the Automatic Rebalancing Program, the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Automatic Investment Plan, the Separate Account Dollar Cost </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Averaging Program, or the DCA Fixed Account.</span></div>
</li>
</ul></div><div>
<ul style="font-size:16pt;line-height:10pt;padding-left:8pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';">
<li style="padding:0;margin:0;">
<div style="margin-top:2pt; padding-left:22pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Your Contract will be subject to investment allocation </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">restrictions while the GMAB is in effect. This means you will </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">be limited in your choice of Sub-Account investments and </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">may be limited in how much you can invest in certain </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Sub-Accounts. This also means you will not be able to </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">allocate Contract Value to all of the Sub-Accounts that are </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">available to Owners who have not elected a GMAB. We </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">impose allocation restrictions to reduce the risk of investment </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">losses that may require us to use our General Account assets </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">to honor the guarantee under the GMAB.</span></div>
</li>
</ul></div><div>
<ul style="font-size:16pt;line-height:10pt;padding-left:8pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';">
<li style="padding:0;margin:0;">
<div style="margin-top:2pt; padding-left:22pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">If you purchased a GMAB and elected the Custom Allocation </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Choice Select Program, while the GMAB is in effect, you </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">agree to authorize us to automatically rebalance your Contract </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Value among the Sub-Accounts available under the Program </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">on a periodic basis to continue to follow the Custom </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Allocation Choice Select Program investment parameters.</span></div>
</li>
</ul></div><div>
<ul style="font-size:16pt;line-height:10pt;padding-left:8pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';">
<li style="padding:0;margin:0;">
<div style="margin-top:2pt; padding-left:22pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Withdrawals will negatively impact the GMAB Amount.</span></div>
</li>
</ul></div>
<div>
<ul style="font-size:16pt;line-height:10pt;padding-left:8pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';">
<li style="padding:0;margin:0;">
<div style="margin-top:2pt; padding-left:22pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">You should consult with a tax professional to determine the tax </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">implications of an investment in and payments received under the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Contract.</span></div>
</li>
</ul></div><div>
<ul style="font-size:16pt;line-height:10pt;padding-left:8pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';">
<li style="padding:0;margin:0;">
<div style="margin-top:2pt; padding-left:22pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">If your Contract is funding a qualified retirement plan or individual </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">retirement annuity (IRA), you do not receive any additional tax deferral.</span></div>
</li>
</ul></div><div>
<ul style="font-size:16pt;line-height:10pt;padding-left:8pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';">
<li style="padding:0;margin:0;">
<div style="margin-top:2pt; padding-left:22pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Earnings on your Contract are taxed at ordinary income tax rates when </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">you withdraw them, and you may have to pay an additional income tax </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">if you take a withdrawal before age 59½. Earnings for this purpose </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">consist of Contract Value in excess of your after-tax investment (cost </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">basis) in the Contract.</span></div>
</li>
</ul></div>
<div>
<ul style="font-size:16pt;line-height:10pt;padding-left:8pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';">
<li style="padding:0;margin:0;">
<div style="margin-top:2pt; padding-left:22pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Your registered representative may receive compensation, in the form of </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">commissions, for selling this Contract to you. If your registered </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">representative is also a MassMutual insurance agent, they are also </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">eligible for certain cash and non-cash benefits from MassMutual. Cash </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">compensation includes bonuses and allowances based on factors such as </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">sales, productivity and persistency (contract retention). Non-cash </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">compensation includes various recognition items such as prizes and </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">awards as well as attendance at, and payment of the costs associated </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">with attendance at, conferences, seminars and recognition trips, and also </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">includes contributions to certain individual plans such as pension and </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">medical plans. Sales of the Contract may help these registered </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">representatives and their supervisors qualify for such benefits.</span></div>
</li>
</ul></div><div>
<ul style="font-size:16pt;line-height:10pt;padding-left:8pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';">
<li style="padding:0;margin:0;">
<div style="margin-top:2pt; padding-left:22pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">This conflict of interest may influence your registered representative to </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">offer or recommend this Contract over another investment.</span></div>
</li>
</ul></div>
<div>
<ul style="font-size:16pt;line-height:10pt;padding-left:8pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';">
<li style="padding:0;margin:0;">
<div style="margin-top:2pt; padding-left:22pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">In general you should be aware that some investment professionals may </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">have a financial incentive to offer you a new contract in place of the one </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">you already own. Thus, in general, you should only exchange your </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">annuity contract if you determine, after comparing the features, fees, and </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">risks of both contracts, and any fees or penalties to terminate your </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">existing contract, that it is preferable for you to purchase the new </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">annuity rather than continue to own the existing annuity.</span></div>
</li>
</ul></div>
<div>
<table cellspacing="0" style="width:100%;cellspacing:0;padding-bottom:2pt;padding-top:0pt;margin-left:0pt;">
<tr style="height:1px;">
<td style="height:1px;background-color:#A5A5A5;;width:53.70083102493076%"></td>
<td style="height:1px;background-color:#A5A5A5;;width:23.15050784856879%"></td>
<td style="height:1px;background-color:#A5A5A5;;width:23.15050784856879%"></td>
</tr>
<tr>
<td colspan="1" style="background-color:#A5A5A5;;vertical-align:bottom">
<div style="background-color:#A5A5A5;padding-left:6pt;padding-top:10pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Annual Transaction Expenses</b></span></span>
</div>
</td>
<td colspan="1" style="background-color:#A5A5A5;;vertical-align:bottom">
<div style="background-color:#A5A5A5;padding-left:2pt;padding-top:10pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b><i>Maximum</i></b></span></div>
</td>
<td colspan="1" style="background-color:#A5A5A5;;vertical-align:bottom">
<div style="background-color:#A5A5A5;padding-left:2pt;padding-top:10pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b><i>Current</i></b></span></div>
</td>
</tr>
<tr>
<td colspan="1" style="vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:6pt;padding-top:10pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b><i>Contingent Deferred Sales Charge (CDSC)</i></b></span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;"><sup><b><i>(1)</i></b></sup></span></span>
</div>
</td>
<td colspan="1" style="vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:2pt;padding-top:10pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">7%</span></div>
</td>
<td colspan="1" style="vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:2pt;padding-top:10pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">7%</span></div>
</td>
</tr>
</table></div><div>
<table cellspacing="0" style="width:100%;cellspacing:0;padding-bottom:2pt;padding-top:0pt;margin-left:0pt;">
<tr style="height:1px;">
<td style="height:1px;width:53.70083102493076%"></td>
<td style="height:1px;width:23.15050784856879%"></td>
<td style="height:1px;width:23.15050784856879%"></td>
</tr>
<tr>
<td colspan="1" style="background-color:#E5E5E5;;vertical-align:top">
<div style="background-color:#E5E5E5;padding-left:6pt;padding-top:10pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b><i>Transfer Fee</i></b></span></span><br/><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;margin-left:6pt;margin-left:0pt;"><i>During the Accumulation Phase</i></span></span>
</div>
</td>
<td colspan="1" style="background-color:#E5E5E5;;vertical-align:top">
<div style="background-color:#E5E5E5;padding-left:2pt;padding-top:10pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">$20</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> per transfer for each </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">additional transfer in excess </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">of the 12 free transfers per </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">calendar year</span></div>
</td>
<td colspan="1" style="background-color:#E5E5E5;;vertical-align:top">
<div style="background-color:#E5E5E5;padding-left:2pt;padding-top:10pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">$0</span></div>
</td>
</tr>
</table></div>
0.07
0.07
<span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;margin-left:20pt;margin-left:0pt;"><i>The CDSC percentage charged is based on the number of full years from when the purchase payment is applied to the Contract to the date it is withdrawn. See </i></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;margin-left:20pt;margin-left:0pt;"><i>Appendix C for an example.</i></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;margin-left:20pt;margin-left:0pt;"><i>For a B-Share Contract those percentages are 7% (for first three years), 6% (for 4</i></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:6pt;;"><sup><i>th</i></sup></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;margin-left:20pt;margin-left:0pt;"><i> year), 5% (for 5</i></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:6pt;;"><sup><i>th</i></sup></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;margin-left:20pt;margin-left:0pt;"><i> year), 4% (for 6</i></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:6pt;;"><sup><i>th</i></sup></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;margin-left:20pt;margin-left:0pt;"><i> year), 3% (for 7</i></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:6pt;;"><sup><i>th</i></sup></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;margin-left:20pt;margin-left:0pt;"><i> year), and 0% (for 8</i></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:6pt;;"><sup><i>th</i></sup></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;margin-left:20pt;margin-left:0pt;"><i> </i></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;margin-left:20pt;margin-left:0pt;"><i>year and later).</i></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;margin-left:20pt;margin-left:0pt;"><i>For an L-Share Contract those percentages are 7% (for first three years), 6% (for 4</i></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:6pt;;"><sup><i>th</i></sup></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;margin-left:20pt;margin-left:0pt;"><i> year), and 0% (for 5</i></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:6pt;;"><sup><i>th</i></sup></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;margin-left:20pt;margin-left:0pt;"><i> year and later).</i></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;margin-left:20pt;margin-left:0pt;"><i>See ‘‘Charges and Deductions – Contingent Deferred Sales Charge (CDSC)’’ for more information.</i></span>
20
0
40
40
0.013
0.013
0.0165
0.0165
<span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;margin-left:20pt;margin-left:0pt;"><i>This represents the annual contract maintenance charge. Currently, we waive this charge if, when we are to make the deduction, your Contract Value is $100,000 </i></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;margin-left:20pt;margin-left:0pt;"><i>or more. We assess the charge on each Contract Anniversary and when you make a full withdrawal. For Contracts issued in New York, the charge is deducted on </i></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;margin-left:20pt;margin-left:0pt;"><i>a pro-rated basis for full withdrawals.</i></span>
<span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;margin-left:20pt;margin-left:0pt;"><i>The Base Contract Expenses represent the sum of the mortality and expense risk charge and the administrative charge. For the B-Share Contract, the current and </i></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;margin-left:20pt;margin-left:0pt;"><i>maximum mortality and expense risk charge is 1.15% annually and the current and maximum administrative charge is 0.15% annually. For the L-Share Contract, </i></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;margin-left:20pt;margin-left:0pt;"><i>the current and maximum mortality and expense risk charge is 1.50% annually and the current and maximum administrative charge is 0.15% annually. These </i></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;margin-left:20pt;margin-left:0pt;"><i>charges are a percentage of average account value in the Separate Account on an annualized basis.</i></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;margin-left:20pt;margin-left:0pt;"><i>After your seventh Contract Anniversary, the Base Contract Expenses for the L-Share Contract will be reduced to 1.30%.</i></span>
<span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;margin-left:20pt;margin-left:0pt;"><i>The Base Contract Expenses represent the sum of the mortality and expense risk charge and the administrative charge. For the B-Share Contract, the current and </i></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;margin-left:20pt;margin-left:0pt;"><i>maximum mortality and expense risk charge is 1.15% annually and the current and maximum administrative charge is 0.15% annually. For the L-Share Contract, </i></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;margin-left:20pt;margin-left:0pt;"><i>the current and maximum mortality and expense risk charge is 1.50% annually and the current and maximum administrative charge is 0.15% annually. These </i></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;margin-left:20pt;margin-left:0pt;"><i>charges are a percentage of average account value in the Separate Account on an annualized basis.</i></span>
0.025
0.014
0.025
0.014
<span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;margin-left:20pt;margin-left:0pt;"><i>‘‘GMAB Amount’’ refers to the minimum Contract Value guaranteed at the end of the benefit period. The GMAB Amount will be recalculated after a reset. See </i></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;margin-left:20pt;margin-left:0pt;"><i>‘‘GMAB Amount’’ and ‘‘The Reset Option” in “Additional Benefits – Guaranteed Minimum Accumulation Benefit (GMAB) – 12-Year Benefit.’’</i></span>
<span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;margin-left:20pt;margin-left:0pt;"><i>‘‘GMAB Charge Base’’ refers to the total Purchase Payments made during the first Contract Year, adjusted by any withdrawals during the benefit period. See </i></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;margin-left:20pt;margin-left:0pt;"><i>‘‘Additional Benefits – Guaranteed Minimum Accumulation Benefit (GMAB) – 20-Year Benefit – GMAB Charge.’’</i></span>
<div>
<table cellspacing="0" style="width:100%;cellspacing:0;padding-bottom:2pt;padding-top:0pt;margin-left:0pt;">
<tr style="height:1px;">
<td style="height:1px;background-color:#A5A5A5;;width:53.70083102493076%"></td>
<td style="height:1px;background-color:#A5A5A5;;width:23.15050784856879%"></td>
<td style="height:1px;background-color:#A5A5A5;;width:23.15050784856879%"></td>
</tr>
<tr>
<td colspan="1" style="background-color:#A5A5A5;;vertical-align:bottom">
<div style="background-color:#A5A5A5;padding-left:6pt;padding-top:10pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt"><b>Charge</b></span></span>
</div>
</td>
<td colspan="1" style="background-color:#A5A5A5;;vertical-align:bottom">
<div style="background-color:#A5A5A5;padding-left:2pt;padding-top:10pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt"><b><i>Minimum</i></b></span></div>
</td>
<td colspan="1" style="background-color:#A5A5A5;;vertical-align:bottom">
<div style="background-color:#A5A5A5;padding-left:2pt;padding-top:10pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt"><b><i>Maximum</i></b></span></div>
</td>
</tr>
<tr>
<td colspan="1" style="vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:6pt;padding-top:10pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt"><b>Range of annual Fund operating expenses (including </b></span></span><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt"><b>management fees, distribution and/or service (12b-1) fees and </b></span></span><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt"><b>other expenses).</b></span></span><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 7.5pt"><sup><b>(1)</b></sup></span></span>
</div>
</td>
<td colspan="1" style="vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:2pt;padding-top:10pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">0.52</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">%</span></div>
</td>
<td colspan="1" style="vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:2pt;padding-top:10pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">1.43</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">%</span></div>
</td>
</tr>
</table></div>
<span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt"><b>Range of annual Fund operating expenses (including </b></span></span><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt"><b>management fees, distribution and/or service (12b-1) fees and </b></span></span><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt"><b>other expenses).</b></span></span>
0.0052
0.0143
<span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;margin-left:20pt;margin-left:0pt;"><i>The Fund expenses used to prepare this item were provided to us by the Funds. We have not independently verified such information provided to us by Funds that </i></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;margin-left:20pt;margin-left:0pt;"><i>are not affiliated with us.</i></span>
<div><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt"><b>If you withdraw all of your Contract </b></span></span><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt"><b>Value at the end of each year shown</b></span></span></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt; margin-left: 6pt"><i>Maximum Fund operating expenses</i></span></span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$</span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">10,210</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$</span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">18,219</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$</span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">24,691</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$</span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">42,108</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$</span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">11,310</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$</span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">21,519</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$</span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">30,191</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$</span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">53,108</span></div><div><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt; margin-left: 6pt; margin-left: 0pt"><i>Minimum Fund operating expenses</i></span></span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$ </span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">9,690</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$</span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">16,567</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$</span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">21,780</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$</span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">35,464</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$</span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">10,790</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$</span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">19,801</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$</span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">27,055</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$</span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">45,395</span></div>
10210
18219
24691
42108
11310
21519
30191
53108
9690
16567
21780
35464
10790
19801
27055
45395
<div><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt"><b>If you do not withdraw any of your </b></span></span><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt"><b>Contract Value at the end of each year </b></span></span><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt"><b>shown</b></span></span></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt; margin-left: 6pt; margin-left: 0pt"><i>Maximum Fund operating expenses</i></span></span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$ </span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">3,910</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$</span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">11,919</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$</span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">20,191</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$</span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">42,108</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$ </span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">5,010</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$</span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">15,219</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$</span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">25,691</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$</span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">53,108</span></div><div><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt; margin-left: 6pt"><i>Minimum Fund operating expenses</i></span></span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$ </span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">3,390</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$</span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">10,267</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$</span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">17,280</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$</span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">35,464</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$ </span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">4,490</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$</span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">13,501</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$</span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">22,555</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$</span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">45,395</span></div>
3910
11919
20191
42108
5010
15219
25691
53108
3390
10267
17280
35464
4490
13501
22555
45395
<div><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt"><b>If you decide to begin the Annuity Phase </b></span></span><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt"><b>at the end of each year shown</b></span></span></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt; margin-left: 6pt"><i>Maximum Fund operating expenses</i></span></span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">N/A</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">N/A</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$</span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">20,191</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$</span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">42,108</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">N/A</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">N/A</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$</span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">25,691</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$</span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">53,108</span></div><div><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt; margin-left: 6pt; margin-left: 0pt"><i>Minimum Fund operating expenses</i></span></span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">N/A</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">N/A</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$</span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">17,280</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$</span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">35,464</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">N/A</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">N/A</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$</span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">22,555</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$</span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">45,395</span></div>
20191
42108
25691
53108
17280
35464
22555
45395
<div><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt"><b>If you withdraw all of your Contract </b></span></span><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt"><b>Value at the end of each year shown</b></span></span></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt; margin-left: 6pt"><i>Maximum Fund operating expenses</i></span></span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$</span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">10,560</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$</span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">19,265</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$</span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">21,925</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$</span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">44,304</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$</span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">11,660</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$</span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">22,565</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$</span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">27,425</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$</span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">55,304</span></div><div><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt; margin-left: 6pt; margin-left: 0pt"><i>Minimum Fund operating expenses</i></span></span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$</span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">10,040</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$</span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">17,609</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$</span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">19,003</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$</span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">37,682</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$</span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">11,140</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$</span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">20,831</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$</span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">24,238</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$</span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">47,538</span></div>
10560
19265
21925
44304
11660
22565
27425
55304
10040
17609
19003
37682
11140
20831
24238
47538
<div><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt"><b>If you do not withdraw any of your </b></span></span><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt"><b>Contract Value at the end of each year </b></span></span><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt"><b>shown</b></span></span></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt; margin-left: 6pt; margin-left: 0pt"><i>Maximum Fund operating expenses</i></span></span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$ </span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">4,260</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$</span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">12,965</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$</span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">21,925</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$</span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">44,304</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$ </span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">5,360</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$</span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">16,265</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$</span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">27,425</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$</span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">55,304</span></div><div><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt; margin-left: 6pt"><i>Minimum Fund operating expenses</i></span></span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$ </span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">3,740</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$</span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">11,309</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$</span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">19,003</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$</span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">37,682</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$ </span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">4,840</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$</span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">14,531</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$</span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">24,238</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$</span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">47,538</span></div>
4260
12965
21925
44304
5360
16265
27425
55304
3740
11309
19003
37682
4840
14531
24238
47538
<div><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt"><b>If you decide to begin the Annuity Phase </b></span></span><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt"><b>at the end of each year shown</b></span></span></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt; margin-left: 6pt"><i>Maximum Fund operating expenses</i></span></span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">N/A</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">N/A</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$</span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">21,925</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$</span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">44,304</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">N/A</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">N/A</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$</span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">27,425</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$</span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">55,304</span></div><div><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt; margin-left: 6pt; margin-left: 0pt"><i>Minimum Fund operating expenses</i></span></span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">N/A</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">N/A</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$</span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">19,003</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$</span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">37,682</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">N/A</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">N/A</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$</span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">24,238</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$</span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">47,538</span></div>
21925
44304
27425
55304
19003
37682
24238
47538
<div><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt"><b>If you withdraw all of your Contract </b></span></span><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt"><b>Value at the end of each year shown</b></span></span></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt; margin-left: 6pt"><i>Maximum Fund operating expenses</i></span></span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$</span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">10,210</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$</span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">18,219</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$</span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">24,691</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$</span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">42,108</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$</span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">11,310</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$</span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">21,519</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$</span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">30,191</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$</span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">53,108</span></div><div><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt; margin-left: 6pt; margin-left: 0pt"><i>Minimum Fund operating expenses</i></span></span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$ </span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">9,690</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$</span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">16,567</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$</span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">21,780</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$</span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">35,464</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$</span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">10,790</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$</span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">19,801</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$</span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">27,055</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$</span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">45,395</span></div>
10210
18219
24691
42108
11310
21519
30191
53108
9690
16567
21780
35464
10790
19801
27055
45395
<div><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt"><b>If you do not withdraw any of your </b></span></span><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt"><b>Contract Value at the end of each year </b></span></span><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt"><b>shown</b></span></span></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt; margin-left: 6pt; margin-left: 0pt"><i>Maximum Fund operating expenses</i></span></span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$ </span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">3,910</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$</span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">11,919</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$</span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">20,191</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$</span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">42,108</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$ </span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">5,010</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$</span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">15,219</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$</span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">25,691</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$</span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">53,108</span></div><div><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt; margin-left: 6pt"><i>Minimum Fund operating expenses</i></span></span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$ </span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">3,390</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$</span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">10,267</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$</span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">17,280</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$</span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">35,464</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$ </span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">4,490</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$</span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">13,501</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$</span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">22,555</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$</span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">45,395</span></div>
3910
11919
20191
42108
5010
15219
25691
53108
3390
10267
17280
35464
4490
13501
22555
45395
<div><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt"><b>If you decide to begin the Annuity Phase </b></span></span><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt"><b>at the end of each year shown</b></span></span></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt; margin-left: 6pt"><i>Maximum Fund operating expenses</i></span></span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">N/A</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">N/A</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$</span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">20,191</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$</span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">42,108</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">N/A</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">N/A</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$</span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">25,691</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$</span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">53,108</span></div><div><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt; margin-left: 6pt; margin-left: 0pt"><i>Minimum Fund operating expenses</i></span></span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">N/A</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">N/A</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$</span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">17,280</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$</span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">35,464</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">N/A</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">N/A</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$</span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">22,555</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$</span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">45,395</span></div>
20191
42108
25691
53108
17280
35464
22555
45395
<div><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt"><b>If you withdraw all of your Contract </b></span></span><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt"><b>Value at the end of each year shown</b></span></span></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt; margin-left: 6pt"><i>Maximum Fund operating expenses</i></span></span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$</span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">10,560</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$</span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">19,265</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$</span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">21,925</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$</span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">44,304</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$</span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">11,660</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$</span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">22,565</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$</span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">27,425</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$</span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">55,304</span></div><div><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt; margin-left: 6pt; margin-left: 0pt"><i>Minimum Fund operating expenses</i></span></span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$</span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">10,040</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$</span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">17,609</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$</span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">19,003</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$</span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">37,682</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$</span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">11,140</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$</span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">20,831</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$</span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">24,238</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$</span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">47,538</span></div>
10560
19265
21925
44304
11660
22565
27425
55304
10040
17609
19003
37682
11140
20831
24238
47538
<div><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt"><b>If you do not withdraw any of your </b></span></span><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt"><b>Contract Value at the end of each year </b></span></span><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt"><b>shown</b></span></span></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt; margin-left: 6pt; margin-left: 0pt"><i>Maximum Fund operating expenses</i></span></span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$ </span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">4,260</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$</span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">12,965</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$</span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">21,925</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$</span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">44,304</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$ </span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">5,360</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$</span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">16,265</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$</span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">27,425</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$</span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">55,304</span></div><div><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt; margin-left: 6pt"><i>Minimum Fund operating expenses</i></span></span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$ </span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">3,740</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$</span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">11,309</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$</span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">19,003</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$</span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">37,682</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$ </span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">4,840</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$</span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">14,531</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$</span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">24,238</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$</span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">47,538</span></div>
4260
12965
21925
44304
5360
16265
27425
55304
3740
11309
19003
37682
4840
14531
24238
47538
<div><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt"><b>If you decide to begin the Annuity Phase </b></span></span><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt"><b>at the end of each year shown</b></span></span></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt; margin-left: 6pt"><i>Maximum Fund operating expenses</i></span></span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">N/A</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">N/A</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$</span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">21,925</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$</span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">44,304</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">N/A</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">N/A</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$</span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">27,425</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$</span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">55,304</span></div><div><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt; margin-left: 6pt; margin-left: 0pt"><i>Minimum Fund operating expenses</i></span></span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">N/A</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">N/A</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$</span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">19,003</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$</span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">37,682</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">N/A</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">N/A</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$</span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">24,238</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$</span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">47,538</span></div>
21925
44304
27425
55304
19003
37682
24238
47538
<div><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt"><b>If you withdraw all of your Contract Value at </b></span></span><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt"><b>the end of each year shown</b></span></span></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt; margin-left: 6pt"><i>Maximum Fund operating expenses</i></span></span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$</span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">9,030</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$</span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">14,677</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$</span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">18,784</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$</span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">30,264</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$</span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">9,030</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$</span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">14,677</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$</span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">18,784</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$</span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">30,264</span></div><div><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt; margin-left: 6pt; margin-left: 0pt"><i>Minimum Fund operating expenses</i></span></span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$</span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">8,120</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$</span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">11,935</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$</span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">14,197</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$</span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">21,038</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$</span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">8,120</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$</span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">11,935</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$</span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">14,197</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$</span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">21,038</span></div>
9030
14677
18784
30264
9030
14677
18784
30264
8120
11935
14197
21038
8120
11935
14197
21038
<div><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt"><b>If you do not withdraw any of your Contract </b></span></span><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt"><b>Value at the end of each year shown</b></span></span></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt; margin-left: 6pt; margin-left: 0pt"><i>Maximum Fund operating expenses</i></span></span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$</span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">2,730</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$ </span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">8,377</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$</span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">14,284</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$</span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">30,264</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$</span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">2,730</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$ </span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">8,377</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$</span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">14,284</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$</span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">30,264</span></div><div><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt; margin-left: 6pt"><i>Minimum Fund operating expenses</i></span></span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$</span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">1,820</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$ </span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">5,635</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$ </span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">9,697</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$</span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">21,038</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$</span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">1,820</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$ </span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">5,635</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$ </span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">9,697</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$</span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">21,038</span></div>
2730
8377
14284
30264
2730
8377
14284
30264
1820
5635
9697
21038
1820
5635
9697
21038
<div><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt"><b>If you decide to begin the Annuity Phase at the </b></span></span><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt"><b>end of each year shown</b></span></span></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt; margin-left: 6pt"><i>Maximum Fund operating expenses</i></span></span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">N/A</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">N/A</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$</span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">14,284</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$</span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">30,264</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">N/A</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">N/A</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$</span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">14,284</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$</span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">30,264</span></div><div><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt; margin-left: 6pt; margin-left: 0pt"><i>Minimum Fund operating expenses</i></span></span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">N/A</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">N/A</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$ </span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">9,697</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$</span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">21,038</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">N/A</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">N/A</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$ </span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">9,697</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$</span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">21,038</span></div>
14284
30264
14284
30264
9697
21038
9697
21038
<div><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt"><b>If you withdraw all of your Contract Value at </b></span></span><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt"><b>the end of each year shown</b></span></span></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt; margin-left: 6pt"><i>Maximum Fund operating expenses</i></span></span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$</span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">9,380</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$</span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">15,719</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$</span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">16,003</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$</span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">32,413</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$</span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">9,380</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$</span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">15,719</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$</span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">16,003</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$</span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">32,413</span></div><div><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt; margin-left: 6pt; margin-left: 0pt"><i>Minimum Fund operating expenses</i></span></span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$</span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">8,470</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$</span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">12,996</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$</span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">11,482</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$</span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">23,393</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$</span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">8,470</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$</span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">12,996</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$</span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">11,482</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$</span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">23,393</span></div>
9380
15719
16003
32413
9380
15719
16003
32413
8470
12996
11482
23393
8470
12996
11482
23393
<div><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt"><b>If you do not withdraw any of your Contract </b></span></span><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt"><b>Value at the end of each year shown</b></span></span></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt; margin-left: 6pt; margin-left: 0pt"><i>Maximum Fund operating expenses</i></span></span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$</span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">3,080</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$ </span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">9,419</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$</span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">16,003</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$</span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">32,413</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$</span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">3,080</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$ </span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">9,419</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$</span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">16,003</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$</span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">32,413</span></div><div><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt; margin-left: 6pt"><i>Minimum Fund operating expenses</i></span></span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$</span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">2,170</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$ </span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">6,696</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$</span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">11,482</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$</span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">23,393</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$</span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">2,170</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$ </span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">6,696</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$</span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">11,482</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$</span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">23,393</span></div>
3080
9419
16003
32413
3080
9419
16003
32413
2170
6696
11482
23393
2170
6696
11482
23393
<div><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt"><b>If you decide to begin the Annuity Phase at the </b></span></span><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt"><b>end of each year shown</b></span></span></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div></div><div><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt; margin-left: 6pt"><i>Maximum Fund operating expenses</i></span></span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">N/A</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">N/A</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$</span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">16,003</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$</span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">32,413</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">N/A</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">N/A</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$</span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">16,003</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$</span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">32,413</span></div><div><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt; margin-left: 6pt; margin-left: 0pt"><i>Minimum Fund operating expenses</i></span></span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">N/A</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">N/A</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$</span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">11,482</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$</span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">23,393</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">N/A</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">N/A</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$</span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">11,482</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$</span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">23,393</span></div>
16003
32413
16003
32413
11482
23393
11482
23393
<div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:24.060000000000002pt;;">Principal Risks of Investing in the Contract</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>There are risks associated with investing in the Contract.</b></span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Market Risk.</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> You can lose money in a variable annuity, including potential loss of your entire amount invested. The value of your </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">investment and any returns will depend on the performance of the Funds you select. Those Funds could decline in value very </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">significantly, and the risk of loss varies with each Fund. You bear the risk of any decline in your Contract Value resulting from the poor </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">performance of the Funds you have selected. The investment risks are described in the prospectuses for the Funds.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Early Withdrawal Risk.</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> Variable annuities are not a short-term investment vehicle. The CDSC may apply for a number of years, so </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">the Contract should only be purchased for the long-term. Under some circumstances, you may receive less than the sum of your </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Purchase Payments. In addition, full or partial withdrawals will be subject to income tax to the extent that they consist of earnings and </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">may be subject to a 10% additional income tax if taken before age 59½. Accordingly, you should carefully consider your income and </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">liquidity needs before purchasing a Contract. Additional information about these risks appear in ‘‘Important Information You Should </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Consider About the MassMutual Transitions Select II Variable Annuity,’’ ‘‘Withdrawals,’’ and ‘‘Taxes.’’</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Contract Benefits Risk.</b></span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;margin-left:0pt;margin-left:0pt;"><i>Investment Restrictions Risks.</i></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> The optional GMAB rider restricts your choice of available Funds. These restrictions are intended to </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">protect us financially, in that they reduce the likelihood that we will have to pay guaranteed benefits under the rider from our own </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">assets. These restrictions could result in an opportunity cost – in the form of Funds that you did not invest in that ultimately might </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">generate superior investment performance. Thus, you should consider these restrictions when deciding whether to elect the GMAB.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;margin-left:0pt;margin-left:0pt;"><i>Risk Associated With Election of GMAB.</i></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> The GMAB includes several requirements that must be adhered to in order to preserve and </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">maximize the guarantees we offer under the benefit. If you fail to adhere to these requirements, that may diminish the value of the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">benefit and even possibly cause termination of the benefit. In addition, it is possible that you will pay fees for the GMAB without </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">receiving a GMAB credit at the end of the benefit period. Withdrawals will negatively impact your GMAB Amount. Any Purchase </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Payments made after the first Contract year or after a reset will increase your Contract Value, but will not increase your GMAB </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Amount.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Insurance Company Risk.</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> It is possible that we could experience financial difficulty in the future and even become insolvent, and </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">therefore unable to provide all of the guarantees and benefits that we promise that exceed the value of the assets in the Separate </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Account. Similarly, if we experience financial difficulty, it could interfere with our ability to fulfill our obligations under the DCA </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Fixed Account and other General Account obligations.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Contract Changes Risk.</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> We reserve the right to limit transfers. We also reserve the right to remove or substitute Funds as investment </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">options available under the Contract. We may impose limits on the minimum and maximum amounts that you may invest or other </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">transaction limits that may limit your use of the Contract. See “Other Information – Reservation of Rights” for more information</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Tax Consequences.</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> Withdrawals are generally taxable to the extent of any earnings in the Contract, and prior to age 59½ an additional </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">income tax may apply. In addition, even if the Contract is held for years before any withdrawal is made, withdrawals are taxable as </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">ordinary income rather than capital gains. Earnings for this purpose consist of Contract Value in excess of your after-tax investment in </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">the Contract.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Cybersecurity and Certain Business Continuity Risks. </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Our operations support complex transactions and are highly dependent on </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">the proper functioning of information technology and communication systems. Any failure of or gap in the systems and processes </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">necessary to support complex transactions and avoid systems failure, fraud, information security failures, processing errors, cyber </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">intrusion, loss of data and breaches of regulation may lead to a materially adverse effect on our results of operations and corporate </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">reputation. In addition, we must commit significant resources to maintain and enhance our existing systems in order to keep pace with </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">applicable regulatory requirements, industry standards and customer preferences. If we fail to maintain secure and well-functioning </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">information systems, we may not be able to rely on information for product pricing, compliance obligations, risk management and </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">underwriting decisions. In addition, we cannot assure investors or consumers that interruptions, failures or breaches in security of these </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">processes and systems will not occur, or if they do occur, that they can be timely detected and remediated. The occurrence of any of </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">these events may have a materially adverse effect on our businesses, results of operations and financial condition.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">For additional detail regarding cybersecurity and related risks, please see “Other Information – Computer System, Cybersecurity, and </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Service Disruption Risks” in this prospectus.</span></div>
<span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Market Risk.</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> You can lose money in a variable annuity, including potential loss of your entire amount invested. The value of your </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">investment and any returns will depend on the performance of the Funds you select. Those Funds could decline in value very </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">significantly, and the risk of loss varies with each Fund. You bear the risk of any decline in your Contract Value resulting from the poor </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">performance of the Funds you have selected. The investment risks are described in the prospectuses for the Funds.</span>
<span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Early Withdrawal Risk.</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> Variable annuities are not a short-term investment vehicle. The CDSC may apply for a number of years, so </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">the Contract should only be purchased for the long-term. Under some circumstances, you may receive less than the sum of your </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Purchase Payments. In addition, full or partial withdrawals will be subject to income tax to the extent that they consist of earnings and </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">may be subject to a 10% additional income tax if taken before age 59½. Accordingly, you should carefully consider your income and </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">liquidity needs before purchasing a Contract. Additional information about these risks appear in ‘‘Important Information You Should </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Consider About the MassMutual Transitions Select II Variable Annuity,’’ ‘‘Withdrawals,’’ and ‘‘Taxes.’’</span>
<span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Contract Benefits Risk.</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;margin-left:0pt;margin-left:0pt;"><i>Investment Restrictions Risks.</i></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> The optional GMAB rider restricts your choice of available Funds. These restrictions are intended to </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">protect us financially, in that they reduce the likelihood that we will have to pay guaranteed benefits under the rider from our own </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">assets. These restrictions could result in an opportunity cost – in the form of Funds that you did not invest in that ultimately might </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">generate superior investment performance. Thus, you should consider these restrictions when deciding whether to elect the GMAB.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;margin-left:0pt;margin-left:0pt;"><i>Risk Associated With Election of GMAB.</i></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> The GMAB includes several requirements that must be adhered to in order to preserve and </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">maximize the guarantees we offer under the benefit. If you fail to adhere to these requirements, that may diminish the value of the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">benefit and even possibly cause termination of the benefit. In addition, it is possible that you will pay fees for the GMAB without </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">receiving a GMAB credit at the end of the benefit period. Withdrawals will negatively impact your GMAB Amount. Any Purchase </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Payments made after the first Contract year or after a reset will increase your Contract Value, but will not increase your GMAB </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Amount.</span>
<span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Insurance Company Risk.</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> It is possible that we could experience financial difficulty in the future and even become insolvent, and </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">therefore unable to provide all of the guarantees and benefits that we promise that exceed the value of the assets in the Separate </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Account. Similarly, if we experience financial difficulty, it could interfere with our ability to fulfill our obligations under the DCA </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Fixed Account and other General Account obligations.</span>
<span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Contract Changes Risk.</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> We reserve the right to limit transfers. We also reserve the right to remove or substitute Funds as investment </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">options available under the Contract. We may impose limits on the minimum and maximum amounts that you may invest or other </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">transaction limits that may limit your use of the Contract. See “Other Information – Reservation of Rights” for more information</span>
<span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Tax Consequences.</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> Withdrawals are generally taxable to the extent of any earnings in the Contract, and prior to age 59½ an additional </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">income tax may apply. In addition, even if the Contract is held for years before any withdrawal is made, withdrawals are taxable as </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">ordinary income rather than capital gains. Earnings for this purpose consist of Contract Value in excess of your after-tax investment in </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">the Contract.</span>
<span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Cybersecurity and Certain Business Continuity Risks. </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Our operations support complex transactions and are highly dependent on </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">the proper functioning of information technology and communication systems. Any failure of or gap in the systems and processes </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">necessary to support complex transactions and avoid systems failure, fraud, information security failures, processing errors, cyber </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">intrusion, loss of data and breaches of regulation may lead to a materially adverse effect on our results of operations and corporate </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">reputation. In addition, we must commit significant resources to maintain and enhance our existing systems in order to keep pace with </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">applicable regulatory requirements, industry standards and customer preferences. If we fail to maintain secure and well-functioning </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">information systems, we may not be able to rely on information for product pricing, compliance obligations, risk management and </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">underwriting decisions. In addition, we cannot assure investors or consumers that interruptions, failures or breaches in security of these </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">processes and systems will not occur, or if they do occur, that they can be timely detected and remediated. The occurrence of any of </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">these events may have a materially adverse effect on our businesses, results of operations and financial condition.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">For additional detail regarding cybersecurity and related risks, please see “Other Information – Computer System, Cybersecurity, and </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Service Disruption Risks” in this prospectus.</span>
<div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:24.060000000000002pt;;">Benefits Available Under the Contract</span></div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The following table summarizes information about the benefits available under the Contract.</span><div><div>
<table cellspacing="0" style="width:100%;cellspacing:0;padding-bottom:5pt;padding-top:5pt;margin-left:0pt;">
<tr style="height:1px;">
<td style="height:1px;background-color:#A5A5A5;;width:21.100646352723913%"></td>
<td style="height:1px;background-color:#A5A5A5;;width:22.1994459833795%"></td>
<td style="height:1px;background-color:#A5A5A5;;width:11.300092336103416%"></td>
<td style="height:1px;background-color:#A5A5A5;;width:17.59926131117267%"></td>
<td style="height:1px;background-color:#A5A5A5;;width:27.8005540166205%"></td>
</tr>
<tr>
<td colspan="1" style="background-color:#A5A5A5;;vertical-align:bottom">
<div style="background-color:#A5A5A5;padding-left:6pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.02pt"><b>Benefit</b></span></span>
</div>
</td>
<td colspan="1" style="background-color:#A5A5A5;;vertical-align:bottom">
<div style="background-color:#A5A5A5;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.02pt"><b>Purpose</b></span></div>
</td>
<td colspan="1" style="background-color:#A5A5A5;;vertical-align:bottom">
<div style="background-color:#A5A5A5;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.02pt"><b>Benefit is </b></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.02pt"><b>Standard or </b></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.02pt"><b>Optional</b></span></div>
</td>
<td colspan="1" style="background-color:#A5A5A5;;vertical-align:bottom">
<div style="background-color:#A5A5A5;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"><b>Fee</b></span></div>
</td>
<td colspan="1" style="background-color:#A5A5A5;;vertical-align:bottom">
<div style="background-color:#A5A5A5;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.02pt"><b>Restrictions/Limitations</b></span></div>
</td>
</tr>
<tr>
<td colspan="1" style="vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:6pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"><b>Death Benefit</b></span></span>
</div>
</td>
<td colspan="1" style="vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Upon your death, we will pay </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">your designated beneficiaries the </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">greater of (1) the Contract Value </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">determined as of the Business </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Day we receive both due proof </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">of death and an election of the </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">payment method in Good Order </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">at our Service Center; or (2) an </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">amount based on your Purchase </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Payments adjusted for </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">withdrawals.</span>
</div>
</td>
<td colspan="1" style="vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Standard</span>
</div>
</td>
<td colspan="1" style="vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">None</span></div>
</td>
<td colspan="1" style="vertical-align:top">
<div style="padding:0;margin:0;width:100%;">
<ul style="font-size:16pt;line-height:10pt;padding-left:8pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';">
<li style="padding:0;margin:0;">
<div style="margin-top:2pt; padding-left:16pt;vertical-align:bottom;color:#000000;;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">This benefit terminates upon a full</span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">withdrawal of the Contract or full </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">annuitization of the Contract Value.</span>
</div>
</li>
</ul>
</div>
<div style="padding:0;margin:0;width:100%;">
<ul style="font-size:16pt;line-height:10pt;padding-left:8pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';">
<li style="padding:0;margin:0;">
<div style="margin-top:2pt; padding-left:16pt;vertical-align:bottom;color:#000000;;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Withdrawals reduce the death benefit</span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">amount in direct proportion to the</span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Contract Value reduction.</span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Since withdrawals result in a pro-rata</span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">adjustment to the death benefit</span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">amount, the death benefit amount</span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">may be reduced by more than the</span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">actual dollar amount of the</span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">withdrawals.</span>
</div>
</li>
</ul>
</div>
</td>
</tr>
<tr>
<td colspan="1" style="background-color:#E5E5E5;;vertical-align:top">
<div style="background-color:#E5E5E5;padding-left:6pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"><b>GMAB: 12-Year Benefit</b></span></span><br/><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"><b>GMAB: 20-Year Benefit</b></span></span>
</div>
</td>
<td colspan="1" style="background-color:#E5E5E5;;vertical-align:top">
<div style="background-color:#E5E5E5;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">If you participate in a GMAB, </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">we guarantee that at the end of </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">your benefit period your </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Contract Value will equal no less </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">than a specified amount, the </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">GMAB Amount.</span>
</div>
</td>
<td colspan="1" style="background-color:#E5E5E5;;vertical-align:top">
<div style="background-color:#E5E5E5;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Optional</span>
</div>
</td>
<td colspan="1" style="background-color:#E5E5E5;;vertical-align:top">
<div style="background-color:#E5E5E5;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"><b>Current Fee for the </b></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"><b>12-Year GMAB: </b></span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">1.40%</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"> </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">of the GMAB Amount</span></div>
<div style="background-color:#E5E5E5;padding-left:2pt;padding-top:3pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"><b>Maximum Fee for the </b></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"><b>12-Year GMAB: </b></span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">2.50%</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"> </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">of the GMAB Amount</span></div>
<div style="background-color:#E5E5E5;padding-left:2pt;padding-top:3pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"><b>Current Fee for the </b></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"><b>20-Year GMAB: </b></span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">1.40%</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"> </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">of the GMAB Charge </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Base</span></div>
<div style="background-color:#E5E5E5;padding-left:2pt;padding-top:3pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"><b>Maximum Fee for the </b></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"><b>20-Year GMAB: </b></span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">2.50%</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"> </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">of the GMAB Charge </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Base</span></div>
</td>
<td colspan="1" style="background-color:#E5E5E5;;vertical-align:top">
<div style="padding:0;margin:0;width:100%;">
<ul style="font-size:16pt;line-height:10pt;padding-left:8pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';">
<li style="padding:0;margin:0;">
<div style="margin-top:2pt; padding-left:16pt;vertical-align:bottom;color:#000000;;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">We no longer offer the GMAB, either </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">the 12-Year Benefit or 20-Year </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Benefit, as an optional benefit.</span>
</div>
</li>
</ul>
</div>
<div style="padding:0;margin:0;width:100%;">
<ul style="font-size:16pt;line-height:10pt;padding-left:8pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';">
<li style="padding:0;margin:0;">
<div style="margin-top:2pt; padding-left:16pt;vertical-align:bottom;color:#000000;;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">While the GMAB is in effect, you </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">cannot participate in the Automatic </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Rebalancing Program, the AIP, the </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Separate Account Dollar Cost </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Averaging Program, or the DCA Fixed </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Account.</span>
</div>
</li>
</ul>
</div>
<div style="padding:0;margin:0;width:100%;">
<ul style="font-size:16pt;line-height:10pt;padding-left:8pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';">
<li style="padding:0;margin:0;">
<div style="margin-top:2pt; padding-left:16pt;vertical-align:bottom;color:#000000;;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">While the GMAB is in effect, you will </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">be subject to allocation restrictions. </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">You will be limited in your choice of </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Sub-Account investments and may be </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">limited in how much you can invest in </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">certain Sub-Accounts. </span>
</div>
</li>
</ul>
</div>
<div style="padding:0;margin:0;width:100%;">
<ul style="font-size:16pt;line-height:10pt;padding-left:8pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';">
<li style="padding:0;margin:0;">
<div style="margin-top:2pt; padding-left:16pt;vertical-align:bottom;color:#000000;;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Withdrawals will negatively impact </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">the GMAB Amount.</span>
</div>
</li>
</ul>
</div>
<div style="padding:0;margin:0;width:100%;">
<ul style="font-size:16pt;line-height:10pt;padding-left:8pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';">
<li style="padding:0;margin:0;">
<div style="margin-top:2pt; padding-left:16pt;vertical-align:bottom;color:#000000;;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Any Purchase Payment made after the </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">first Contract Year or after a reset will </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">not increase your GMAB Value.</span>
</div>
</li>
</ul>
</div>
</td>
</tr>
<tr>
<td colspan="1" style="vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:6pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"><b>Automatic Rebalancing </b></span></span><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"><b>Program</b></span></span>
</div>
</td>
<td colspan="1" style="vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Automatically rebalances the </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Sub-Accounts you select to </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">maintain your original </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">percentage allocation of Contract </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Value.</span>
</div>
</td>
<td colspan="1" style="vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Optional</span>
</div>
</td>
<td colspan="1" style="vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">None</span></div>
</td>
<td colspan="1" style="vertical-align:top">
<div style="padding:0;margin:0;width:100%;">
<ul style="font-size:16pt;line-height:10pt;padding-left:8pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';">
<li style="padding:0;margin:0;">
<div style="margin-top:2pt; padding-left:16pt;vertical-align:bottom;color:#000000;;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Cannot use if the DCA Fixed Account, </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Separate Account Dollar Cost </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Averaging Program, or GMAB are in </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">effect.</span>
</div>
</li>
</ul>
</div>
</td>
</tr>
<tr>
<td colspan="1" style="background-color:#E5E5E5;;vertical-align:top">
<div style="background-color:#E5E5E5;padding-left:6pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"><b>DCA Fixed Account</b></span></span>
</div>
</td>
<td colspan="1" style="background-color:#E5E5E5;;vertical-align:top">
<div style="background-color:#E5E5E5;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Automatically transfers a </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">specific amount of Contract </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Value from the DCA Fixed </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Account to the Sub-Accounts </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">you have selected, at set intervals </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">over a period of either six or </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">twelve months.</span>
</div>
</td>
<td colspan="1" style="background-color:#E5E5E5;;vertical-align:top">
<div style="background-color:#E5E5E5;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Optional</span>
</div>
</td>
<td colspan="1" style="background-color:#E5E5E5;;vertical-align:top">
<div style="background-color:#E5E5E5;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">None</span></div>
</td>
<td colspan="1" style="background-color:#E5E5E5;;vertical-align:top">
<div style="padding:0;margin:0;width:100%;">
<ul style="font-size:16pt;line-height:10pt;padding-left:8pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';">
<li style="padding:0;margin:0;">
<div style="margin-top:2pt; padding-left:16pt;vertical-align:bottom;color:#000000;;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Cannot use if the Automatic</span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Rebalancing Program, Separate </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Account Dollar Cost Averaging </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Program, AIP, or GMAB are in effect.</span>
</div>
</li>
</ul>
</div>
<div style="padding:0;margin:0;width:100%;">
<ul style="font-size:16pt;line-height:10pt;padding-left:8pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';">
<li style="padding:0;margin:0;">
<div style="margin-top:2pt; padding-left:16pt;vertical-align:bottom;color:#000000;;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Must apply a Purchase Payment of at</span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">least $5,000 to a DCA Term.</span>
</div>
</li>
</ul>
</div>
<div style="padding:0;margin:0;width:100%;">
<ul style="font-size:16pt;line-height:10pt;padding-left:8pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';">
<li style="padding:0;margin:0;">
<div style="margin-top:2pt; padding-left:16pt;vertical-align:bottom;color:#000000;;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">You cannot transfer current Contract </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Value into the DCA Fixed Account.</span>
</div>
</li>
</ul>
</div>
<div style="padding:0;margin:0;width:100%;">
<ul style="font-size:16pt;line-height:10pt;padding-left:8pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';">
<li style="padding:0;margin:0;">
<div style="margin-top:2pt; padding-left:16pt;vertical-align:bottom;color:#000000;;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">No unscheduled transfers may be </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">made from the DCA Fixed Account.</span>
</div>
</li>
</ul>
</div>
</td>
</tr>
</table></div></div><div><div>
<table cellspacing="0" style="width:100%;cellspacing:0;padding-bottom:5pt;padding-top:5pt;margin-left:0pt;">
<tr style="height:1px;">
<td style="height:1px;background-color:#A5A5A5;;width:21.100646352723913%"></td>
<td style="height:1px;background-color:#A5A5A5;;width:22.1994459833795%"></td>
<td style="height:1px;background-color:#A5A5A5;;width:11.300092336103416%"></td>
<td style="height:1px;background-color:#A5A5A5;;width:17.59926131117267%"></td>
<td style="height:1px;background-color:#A5A5A5;;width:27.8005540166205%"></td>
</tr>
<tr>
<td colspan="1" style="background-color:#A5A5A5;;vertical-align:bottom">
<div style="background-color:#A5A5A5;padding-left:6pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.02pt"><b>Benefit</b></span></span>
</div>
</td>
<td colspan="1" style="background-color:#A5A5A5;;vertical-align:bottom">
<div style="background-color:#A5A5A5;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.02pt"><b>Purpose</b></span></div>
</td>
<td colspan="1" style="background-color:#A5A5A5;;vertical-align:bottom">
<div style="background-color:#A5A5A5;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.02pt"><b>Benefit is </b></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.02pt"><b>Standard or </b></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.02pt"><b>Optional</b></span></div>
</td>
<td colspan="1" style="background-color:#A5A5A5;;vertical-align:bottom">
<div style="background-color:#A5A5A5;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"><b>Fee</b></span></div>
</td>
<td colspan="1" style="background-color:#A5A5A5;;vertical-align:bottom">
<div style="background-color:#A5A5A5;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.02pt"><b>Restrictions/Limitations </b></span></div>
</td>
</tr>
<tr>
<td colspan="1" style="vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:6pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"><b>Separate Account Dollar </b></span></span><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"><b>Cost Averaging Program</b></span></span>
</div>
</td>
<td colspan="1" style="vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Automatically transfers a</span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">specific amount of Contract</span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Value from a single</span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Sub-Account to other</span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Sub-Accounts you have</span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">selected, at set intervals.</span>
</div>
</td>
<td colspan="1" style="vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Optional</span>
</div>
</td>
<td colspan="1" style="vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">None</span></div>
</td>
<td colspan="1" style="vertical-align:top">
<div style="padding:0;margin:0;width:100%;">
<ul style="font-size:16pt;line-height:10pt;padding-left:8pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';">
<li style="padding:0;margin:0;">
<div style="margin-top:2pt; padding-left:16pt;vertical-align:bottom;color:#000000;;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Cannot use if the Automatic</span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Rebalancing Program, DCA Fixed</span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Account, AIP, or GMAB are in effect.</span>
</div>
</li>
</ul>
</div>
</td>
</tr>
<tr>
<td colspan="1" style="background-color:#E5E5E5;;vertical-align:top">
<div style="background-color:#E5E5E5;padding-left:6pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"><b>Systematic Withdrawal </b></span></span><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"><b>Program</b></span></span>
</div>
</td>
<td colspan="1" style="background-color:#E5E5E5;;vertical-align:top">
<div style="background-color:#E5E5E5;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Automatically withdraws a </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">specific amount of Contract </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Value proportionally from all </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Sub-Accounts you have selected.</span>
</div>
</td>
<td colspan="1" style="background-color:#E5E5E5;;vertical-align:top">
<div style="background-color:#E5E5E5;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Optional</span>
</div>
</td>
<td colspan="1" style="background-color:#E5E5E5;;vertical-align:top">
<div style="background-color:#E5E5E5;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">None</span></div>
</td>
<td colspan="1" style="background-color:#E5E5E5;;vertical-align:top">
<div style="padding:0;margin:0;width:100%;">
<ul style="font-size:16pt;line-height:10pt;padding-left:8pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';">
<li style="padding:0;margin:0;">
<div style="margin-top:2pt; padding-left:16pt;vertical-align:bottom;color:#000000;;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">In order to participate in this program:</span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">(1) there must be at least $5,000 in</span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"> Contract Value, and</span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">(2) the minimum withdrawal amount</span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"> must be $100.</span>
</div>
</li>
</ul>
</div>
</td>
</tr>
<tr>
<td colspan="1" style="vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:6pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"><b>Terminal Illness</b></span></span><br/><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"><b>Withdrawal Benefit</b></span></span>
</div>
</td>
<td colspan="1" style="vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Allows withdrawal of some or all </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Contract Value without incurring </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">a CDSC if diagnosed with a </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">terminal illness or terminal </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">condition.</span>
</div>
</td>
<td colspan="1" style="vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Optional</span>
</div>
</td>
<td colspan="1" style="vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">None</span></div>
</td>
<td colspan="1" style="vertical-align:top">
<div style="padding:0;margin:0;width:100%;">
<ul style="font-size:16pt;line-height:10pt;padding-left:8pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';">
<li style="padding:0;margin:0;">
<div style="margin-top:2pt; padding-left:16pt;vertical-align:bottom;color:#000000;;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">You cannot be diagnosed with the </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">terminal illness or the terminal </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">condition or both as of the Issue Date.</span>
</div>
</li>
</ul>
</div>
<div style="padding:0;margin:0;width:100%;">
<ul style="font-size:16pt;line-height:10pt;padding-left:8pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';">
<li style="padding:0;margin:0;">
<div style="margin-top:2pt; padding-left:16pt;vertical-align:bottom;color:#000000;;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Each withdrawal request must be </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">made one year or more after the Issue </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Date.</span>
</div>
</li>
</ul>
</div>
<div style="padding:0;margin:0;width:100%;">
<ul style="font-size:16pt;line-height:10pt;padding-left:8pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';">
<li style="padding:0;margin:0;">
<div style="margin-top:2pt; padding-left:16pt;vertical-align:bottom;color:#000000;;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">We require proof that you are </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">terminally ill, including, but not </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">limited to, certification by a state </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">licensed medical practitioner.</span>
</div>
</li>
</ul>
</div>
<div style="padding:0;margin:0;width:100%;">
<ul style="font-size:16pt;line-height:10pt;padding-left:8pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';">
<li style="padding:0;margin:0;">
<div style="margin-top:2pt; padding-left:16pt;vertical-align:bottom;color:#000000;;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">May not be available in all states. See </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">‘‘Appendix H – State Variations of </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Certain Contract Features.’’</span>
</div>
</li>
</ul>
</div>
</td>
</tr>
<tr>
<td colspan="1" style="background-color:#E5E5E5;;vertical-align:top">
<div style="background-color:#E5E5E5;padding-left:6pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"><b>Nursing Home and</b></span></span><br/><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"><b>Hospital Withdrawal</b></span></span><br/><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"><b>Benefit</b></span></span>
</div>
</td>
<td colspan="1" style="background-color:#E5E5E5;;vertical-align:top">
<div style="background-color:#E5E5E5;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Allows withdrawal of some or</span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">all Contract Value without</span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">incurring a CDSC if admitted</span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">to a licensed nursing care</span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">facility or accredited hospital.</span>
</div>
</td>
<td colspan="1" style="background-color:#E5E5E5;;vertical-align:top">
<div style="background-color:#E5E5E5;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Optional</span>
</div>
</td>
<td colspan="1" style="background-color:#E5E5E5;;vertical-align:top">
<div style="background-color:#E5E5E5;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">None</span></div>
</td>
<td colspan="1" style="background-color:#E5E5E5;;vertical-align:top">
<div style="padding:0;margin:0;width:100%;">
<ul style="font-size:16pt;line-height:10pt;padding-left:8pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';">
<li style="padding:0;margin:0;">
<div style="margin-top:2pt; padding-left:16pt;vertical-align:bottom;color:#000000;;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Confinement must begin after the</span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Issue Date.</span>
</div>
</li>
</ul>
</div>
<div style="padding:0;margin:0;width:100%;">
<ul style="font-size:16pt;line-height:10pt;padding-left:8pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';">
<li style="padding:0;margin:0;">
<div style="margin-top:2pt; padding-left:16pt;vertical-align:bottom;color:#000000;;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Each withdrawal request must be</span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">made one year or more after the</span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Issue Date.</span>
</div>
</li>
</ul>
</div>
<div style="padding:0;margin:0;width:100%;">
<ul style="font-size:16pt;line-height:10pt;padding-left:8pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';">
<li style="padding:0;margin:0;">
<div style="margin-top:2pt; padding-left:16pt;vertical-align:bottom;color:#000000;;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Each withdrawal request must be</span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">made within 120 calendar days after</span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">services provided.</span>
</div>
</li>
</ul>
</div>
<div style="padding:0;margin:0;width:100%;">
<ul style="font-size:16pt;line-height:10pt;padding-left:8pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';">
<li style="padding:0;margin:0;">
<div style="margin-top:2pt; padding-left:16pt;vertical-align:bottom;color:#000000;;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Confinement must be for at least 90</span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">consecutive calendar days and must be </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">prescribed by a state licensed medical </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">practitioner.</span>
</div>
</li>
</ul>
</div>
<div style="padding:0;margin:0;width:100%;">
<ul style="font-size:16pt;line-height:10pt;padding-left:8pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';">
<li style="padding:0;margin:0;">
<div style="margin-top:2pt; padding-left:16pt;vertical-align:bottom;color:#000000;;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Cannot use with Systematic</span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Withdrawal Program.</span>
</div>
</li>
</ul>
</div>
<div style="padding:0;margin:0;width:100%;">
<ul style="font-size:16pt;line-height:10pt;padding-left:8pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';">
<li style="padding:0;margin:0;">
<div style="margin-top:2pt; padding-left:16pt;vertical-align:bottom;color:#000000;;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">May not be available in all states.</span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">See “Appendix H – State Variations of </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Certain Contract Features.”</span>
</div>
</li>
</ul>
</div>
</td>
</tr>
</table></div></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Some of the benefits identified in the Benefits Available Under the Contract table are described in more detail following the table and </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">other benefits are disclosed in more detail in other sections of the prospectus.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:24.060000000000002pt;;">Death Benefit</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:16.836pt;;"><b>Death of Owner During the Accumulation Phase</b></span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">If any Owner dies during the Accumulation Phase, we will pay a death benefit to the primary Beneficiary. If any Owner dies, we will </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">treat the surviving Owner as the primary Beneficiary and treat any other Beneficiary designation, on record at the time of death, as a </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">contingent Beneficiary.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The Beneficiary may request that the death benefit be paid under one of the death benefit options. If the sole primary Beneficiary is </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">your spouse and your Contract is a Non-Qualified Contract or is held as a traditional IRA (including SEP and SIMPLE IRAs) or Roth </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">IRA, he or she may elect to become the Owner of the Contract by continuing the Contract at the death benefit amount payable. </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Generally, if the Contract is continued then:</span></div><div>
<table cellspacing="0" style="padding-top:3pt;padding-right:2%;padding-left:2%;" width="100%">
<tr>
<td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:10pt;">
<div style="font-size:16pt;font-family:Arial, Helvetica, sans-serif;">•</div>
</td>
<td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:2pt;align:left;vertical-align:top;text-align:left;">
<div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">the spouse’s initial Contract Value will be equal to the death benefit that would have been payable if the lump sum </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">distribution had been elected;</span>
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<div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">all applicable Contract features and benefits will be in the surviving spouse’s name; and</span>
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<div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">the surviving spouse will exercise all of the Owner’s rights under the Contract.</span>
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</table></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Restrictions are as follows:</span></div><div>
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<td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:2pt;align:left;vertical-align:top;text-align:left;">
<div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">if, at the time the Owner purchased the Contract, the surviving spouse was over the maximum Contract issue Age, then the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Contract cannot be continued;</span>
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<div style="font-size:16pt;font-family:Arial, Helvetica, sans-serif;">•</div>
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<td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:2pt;align:left;vertical-align:top;text-align:left;">
<div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">if, at the time the Owner purchased the Contract, the surviving spouse was over the maximum allowable Age for electing the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">GMAB, then the GMAB will be terminated.</span>
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</table></div><div><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">If the sole primary Beneficiary is a domestic partner or civil union partner, as defined under applicable state laws, we will treat him or </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">her as a spouse for this provision, and he or she may elect to continue the Contract as described herein. However, a domestic partner or </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">civil union partner cannot elect to continue the Contract if it is a traditional IRA or Roth IRA. Since current federal tax law does not </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">define a spouse to include a domestic partner or civil union partner, such domestic partner or civil union partner who elects to continue </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">the Contract must still meet the distribution requirements of IRC Section 72(s). In order to meet these requirements, the amount of any </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">gain in the Contract will become subject to income tax at the time the election to continue the Contract is made.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The right to continue the Contract by a surviving spouse, a domestic partner, or a civil union partner can only be exercised once while </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">the Contract is in effect.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">See ‘‘Taxes – Civil Unions and Domestic Partnerships’’ if you are in a domestic partnership or civil union.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:16.836pt;;"><b>Death Benefit Amount During the Accumulation Phase</b></span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:13.224pt;;"><b>Return of Purchase Payment Death Benefit</b></span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The death benefit during the Accumulation Phase will be the greater of 1 and 2 below.</span></div><div>
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<div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">(1) The total Purchase Payments, reduced by an adjustment for each withdrawal. The adjustment is equal to A divided by B, with </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">the result multiplied by C, where:</span>
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<td style="padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;align:left;valign:top;"> </td>
<td style="padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;align:left;valign:top;"> </td>
<td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:96%;padding-left:0pt;text-align:left;align:left;vertical-align:top;">
<div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">A = the Contract Value withdrawn, including any applicable CDSC;</span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">B = the Contract Value immediately prior to the withdrawal; and</span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">C = the total Purchase Payments adjusted for any prior withdrawals.</span>
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</table></div><div>
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<td style="padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;align:left;valign:top;"> </td>
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<div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">(2) The Contract Value determined as of the Close of Business on the Business Day on which we receive both due proof of death </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">and an election of the payment method in Good Order at our Service Center.</span>
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</table></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">A withdrawal will reduce the death benefit amount in direct proportion to the Contract Value reduction. Since withdrawals result in a </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">pro-rata adjustment to the death benefit amount, the death benefit amount may be reduced by more than the actual dollar amount of the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">withdrawals. See ‘‘Appendix E – Return of Purchase Payment Death Benefit Examples.’’</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The death benefit that is payable during the Accumulation Phase is determined as of the Close of Business on the Business Day on </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">which we receive both due proof of death and an election of the payment method at our Service Center. Where there is more than one </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Beneficiary, we will determine the death benefit as of the Business Day the first Beneficiary submits due proof of death and election of </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">payment method. If the death benefit payable is greater than the Contract Value, we will apply an amount equal to the difference </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">between the death benefit and Contract Value to each Sub-Account and/or DCA Fixed Account in the ratio that your value in each </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Sub-Account and/or the DCA Fixed Account bears to your Contract Value. Each Beneficiary’s portion of the death benefit will be </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">applied to their chosen death benefit payout option on the Business Day we receive their election of the payment method in Good </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Order and will be paid from the current allocation on a pro rata basis. The balance of the death benefit will remain in the Sub-Accounts </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">and/or DCA Fixed Account based on the current allocation until each of the other Beneficiaries submits a Written Request to claim </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">his/her death benefit. From the time the death benefit is determined until complete distribution is made, any amount in a Sub-Account </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">will be subject to investment risk. This risk is borne by the Beneficiary(ies).</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">We consider the application of a portion of your Contract Value to an Annuity Option as a withdrawal for purposes of calculating the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">death benefit amount.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:16.836pt;;"><b>Death Benefit Payment Options During the Accumulation Phase</b></span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The availability of certain death benefit options may be limited for Tax-Qualified Contracts in order to comply with RMD rules.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">For Non-Qualified Contracts, each Beneficiary must elect the death benefit to be paid under one of the following options in the event </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">that a death benefit becomes payable during the Accumulation Phase:</span></div><div>
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<div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Option 1</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> – Lump sum payment of the death benefit.</span>
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<div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Option 2</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> – Payment of the entire death benefit within five years of the date of any Owner’s death. This option may not be </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">available if there are multiple Beneficiaries.</span>
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<div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Option 3</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> – Payment of the death benefit under an Annuity Option over the lifetime of the Beneficiary or over a period not </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">extending beyond the life expectancy of the Beneficiary. Distribution must begin within one year of the date of any Owner’s </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">death. This option is not available for a Beneficiary that is a non-natural person.</span>
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<div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Option 4</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> – Payment of the death benefit from a deferred annuity Contract over the life expectancy of the Beneficiary </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">through a series of non-annuitized withdrawals made at least annually. Distribution must begin within one year of the date of </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">any Owner’s death. Additional withdrawals, including full withdrawals, are available. This option is not available for a </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Beneficiary that is a non-natural person, and may not be available if there are multiple Beneficiaries. See the sub-section </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">below entitled ‘‘Non-Qualified Beneficiary Annuity’’ for rules and restrictions.</span>
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</table></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">For Qualified Contracts, each Beneficiary must elect the death benefit to be paid under one of the following options in the event that a </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">death benefit becomes payable during the Accumulation Phase:</span></div><div>
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<div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Option 1</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> – Lump sum payment of the death benefit.</span>
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<div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Option 2</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> – Payment of the entire death benefit by the end of the calendar year that contains the tenth anniversary of your </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">death (fifth anniversary of your death if you do not have a designated Beneficiary as defined for purposes of IRC Section </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">401(a)(9), including where your Beneficiary is your estate or certain trusts). This option may not be available if there are </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">multiple Beneficiaries.</span>
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</table></div><div>
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<td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:10pt;">
<div style="font-size:16pt;font-family:Arial, Helvetica, sans-serif;">•</div>
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<div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Option 3</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> – If the Beneficiary is your surviving spouse, or is not more than 10 years younger than you, payment of the death </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">benefit under an Annuity Option over the lifetime of the Beneficiary or over a period not extending beyond the life </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">expectancy of the Beneficiary. Distribution must generally begin by the end of the calendar year following the year of your </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">death. Additional deferral may be available for a spouse Beneficiary.</span>
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<div style="font-size:16pt;font-family:Arial, Helvetica, sans-serif;">•</div>
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<td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:2pt;align:left;vertical-align:top;text-align:left;">
<div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Option 4</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> – If the Beneficiary is your surviving spouse, or is not more than 10 years younger than you, payment of the death </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">benefit from a deferred annuity Contract over the life expectancy of the Beneficiary through a series of non-annuitized </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">withdrawals made at least annually. Distribution must generally begin by the end of the calendar year following the year of </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">your death. Additional deferral may be available for a spouse Beneficiary. Additional withdrawals, including full </span>
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<div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">withdrawals, are available. This option may not be available if there are multiple Beneficiaries. See the sub-section below </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">entitled ‘‘Beneficiary IRA’’ for rules and restrictions.</span>
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</table></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">If the sole primary Beneficiary is a spouse, continuation of the Contract in his or her own name is described previously in this section </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">under ‘‘Death Benefit – Death of Owner During the Accumulation Phase.’’</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Any portion of the death benefit not applied to Option 3 or Option 4 within the time period specified must be distributed within five </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">years of the date of the Owner’s death under Option 1 or Option 2. For Qualified Contracts, distribution under Option 1 or Option 2 </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">must occur by the end of the calendar year that contains the tenth anniversary of your death (fifth anniversary of your death if you do </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">not have a designated Beneficiary as defined for purposes of IRC Section 401(a)(9), including where your Beneficiary is your estate </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">or certain trusts). In addition, if you die after reaching the age at which RMDs must begin, your beneficiary is required to take annual </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">required minimum distributions during the ten year distribution period</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt"> to the extent required by Regulations issued under IRC Section </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">401(a)(9). These requirements apply even if you have restricted the Beneficiary’s death benefit payout option.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">You may restrict a Beneficiary’s right to elect a death benefit payout option. If you do so, such rights or options will not be available to </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">the Beneficiary.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">We may also consent to other death benefit payout options in addition to those described in this section as long as they comply with </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">IRC Section 72(s) or Section 401(a)(9), as applicable.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:13.224pt;;"><b>Lump Sum Payments</b></span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">If a lump sum payment is requested, we will pay the amount within seven calendar days after we receive due proof of death and </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">election of the payment method in Good Order at our Service Center, unless we are required to suspend or delay payment.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:13.224pt;;"><b>Non-Qualified Beneficiary Annuity</b></span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">A Non-Qualified Beneficiary Annuity, also referred to as a ‘‘non-qualified stretch’’ or ‘‘inherited non-qualified annuity,’’ is an annuity </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">contract that is held for the benefit of the Beneficiary of a deceased annuity Owner in order to distribute death proceeds of a </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">non-qualified annuity to the Beneficiary over that Beneficiary’s life expectancy in accordance with the required distribution rules of </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">IRC Section 72(s). See ‘‘Taxes – Taxation of Non-Qualified Contracts – Distributions After Death of Owner’’ for more information.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">If a Beneficiary(ies) elects payment under Option 4 as a Non-Qualified Beneficiary Annuity after the death of the Owner, the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">following rules apply (Note, these restrictions differ from those imposed when a Contract is purchased as a Non-Qualified Beneficiary </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Annuity. See ‘‘Ownership – Non-Qualified Beneficiary Annuity.’’):</span></div><div>
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<div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The annuity Contract will be titled in the Beneficiary’s name as Beneficiary of the deceased Owner, and cannot be </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">transferred. The Beneficiary must be the Annuitant, and the Annuitant cannot be changed.</span>
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<div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Distributions must begin within one year of the Owner’s death. Required distributions will be calculated based on the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Beneficiary’s life expectancy as determined under the applicable IRS table, and will be withdrawn from each Sub-Account </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">and/or the DCA Fixed Account, if applicable, in the ratio that your value in each bears to your Contract Value.</span>
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<div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Distributions required under IRC Section 72(s) must be made at least annually through a SWP that we administer. This SWP </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">cannot be changed or terminated. Distributions made under the SWP will be treated as variable Annuity Payments for </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">income tax purposes. In order to qualify as Annuity Payments for income tax purposes, payments under the SWP will </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">continue to be made even if you take additional withdrawals from the Contract.</span>
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<div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Withdrawals will not be subject to a CDSC.</span>
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<div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The Beneficiary’s initial Contract Value will be equal to the death benefit that would have been payable to the Beneficiary if </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">a lump sum distribution had been elected.</span>
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<div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Additional Purchase Payments cannot be applied to the Contract.</span>
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<div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Joint ownership is not allowed.</span>
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<div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Upon the death of the Annuitant, any remaining Contract Value will be paid to the succeeding Beneficiary in a lump sum or </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">over the Annuitant’s remaining life expectancy as determined under the applicable IRS table.</span>
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<div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">If there is a GMAB on the Contract, it will be terminated.</span>
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<div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">This option is not available for a Beneficiary who is a non-natural person.</span>
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<div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">A Non-Qualified Beneficiary Annuity may only be established by the Beneficiary of the Owner whose death triggered the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">required distribution requirements of IRC Section 72(s). A Non-Qualified Beneficiary Annuity may not be established as a </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">‘‘second generation’’ Non-Qualified Beneficiary Annuity by a successor Beneficiary.</span>
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</table></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Beneficiaries should consult a qualified tax adviser for advice prior to establishing a Non-Qualified Beneficiary Annuity.</b></span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:13.224pt;;"><b>Beneficiary IRA</b></span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Beneficiary, Inherited, Legacy or ‘‘Stretch’’ IRAs are all terms used to describe an IRA that is used exclusively to distribute death </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">proceeds of an IRA or other qualified investment to the beneficiary over that beneficiary’s life expectancy in order to meet the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Required Minimum Distribution (RMD) rules. Upon the contract owner’s death under an IRA or other qualified contract, an ‘‘Eligible </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Designated Beneficiary’’ may generally establish a Beneficiary IRA by either purchasing a new annuity contract or, in some </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">circumstances, by electing the Beneficiary IRA payout option under the current contract. Until withdrawn, amounts in a Beneficiary </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">IRA continue to be tax-deferred. Amounts withdrawn each year, including amounts that are required to be withdrawn under the RMD </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">rules, are subject to tax.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">If the contract owner died on or before December 31, 2019 (on or before December 31, 2021 for participants of a governmental plan or </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">a plan maintained pursuant to a collective bargaining agreement), an individual designated beneficiary, and certain trusts as </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">beneficiary, are treated as Eligible Designated Beneficiaries, and can elect to take distributions over their life expectancy (life </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">expectancy of the oldest trust beneficiary).</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">However, if the contract owner dies on or after January 1, 2020 (on or after January 1, 2022 for participants of a governmental plan or </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">a plan maintained pursuant to a collective bargaining agreement), only certain designated beneficiaries are treated as Eligible </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Designated Beneficiaries, and we will only offer the Beneficiary IRA payout option to a designated beneficiary who either (1) is the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">surviving spouse of the deceased qualified plan participant or IRA owner or, (2) is not more than 10 years younger than the deceased </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">qualified plan participant or IRA owner. In the future, we may allow additional classes of Eligible Designated Beneficiaries to elect the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Beneficiary IRA payout option.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">See “Taxes – Required Minimum Distributions for Qualified Contracts” for more information.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:12.024pt;;">Eligibility Requirements/Restrictions:</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">If a Beneficiary(ies) elects payment under Option 4 as a Beneficiary IRA after the death of the Owner, the following rules apply </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;margin-left:0pt;margin-left:0pt;"><i>(Note, </i></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;margin-left:0pt;margin-left:0pt;"><i>these restrictions differ from those imposed when a Contract is purchased as a Beneficiary IRA. See ‘‘Ownership – Beneficiary IRA.’’)</i></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">:</span></div><div>
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<div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The annuity contract will be titled in the Beneficiary’s name as Beneficiary for the deceased Owner. The Beneficiary must be </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">the Annuitant, and the Annuitant cannot be changed.</span>
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<div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">For non-spousal Beneficiary IRAs, RMDs must begin by December 31st of the year following the year of the date of the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Owner’s death. For spousal Beneficiary IRAs, RMDs may be deferred until the year for which the original Owner would </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">have been required to begin RMDs. The RMD amount will generally be calculated based on the Beneficiary’s life </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">expectancy and will be withdrawn from each Sub-Account and/or the DCA Fixed Account, if applicable, in the ratio that </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">your value in each bears to your Contract Value. If the original Owner died after RMDs were required to begin, and was </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">younger than the Beneficiary, the RMD amount may be calculated based on the original Owner’s life expectancy in the year </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">of his or her death. If there is a Beneficiary IRA previously established with another carrier and an RMD is required in the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">current calendar year, we will process the RMD. If, however, an RMD is not required in the current calendar year, an RMD </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">will not be processed until the year it is required.</span>
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<div style="font-size:16pt;font-family:Arial, Helvetica, sans-serif;">•</div>
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<td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:2pt;align:left;vertical-align:top;text-align:left;">
<div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">If the original owner died before January 1, 2020 (before January 1, 2022 for participants of a governmental plan or a plan </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">maintained pursuant to a collective bargaining agreement) and the Beneficiary is a trust, a Beneficiary IRA may only be </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">established if the trust qualifies as a ‘‘see-through’’ trust. For see-through trusts, RMDs must be calculated based upon the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">life expectancy of the oldest trust beneficiary and the oldest trust beneficiary must be the Annuitant. In order to be a </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">see-through trust, the trust must be valid under state law and be irrevocable, and all beneficiaries, current and future, must be </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">identifiable from the trust instrument. If any beneficiary of the trust is not an individual, the trust is not a see-through trust </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">and cannot establish a Beneficiary IRA. If the original Owner died after December 31, 2019 (after December 31, 2021 for </span>
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<div style="font-size:12pt;font-family:Arial, Helvetica, sans-serif;"></div>
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<td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:2pt;align:left;vertical-align:top;text-align:left;">
<div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">participants of a governmental plan or a plan maintained pursuant to a collective bargaining agreement), we will not offer a </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Beneficiary IRA to a trust.</span>
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<div style="font-size:16pt;font-family:Arial, Helvetica, sans-serif;">•</div>
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<td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:2pt;align:left;vertical-align:top;text-align:left;">
<div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">RMDs must be made at least annually through a SWP that we administer. This SWP cannot be terminated.</span>
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<div style="font-size:16pt;font-family:Arial, Helvetica, sans-serif;">•</div>
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<td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:2pt;align:left;vertical-align:top;text-align:left;">
<div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Withdrawals will not be subject to a CDSC.</span>
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<div style="font-size:16pt;font-family:Arial, Helvetica, sans-serif;">•</div>
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<td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:2pt;align:left;vertical-align:top;text-align:left;">
<div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The Beneficiary’s initial Contract Value will be equal to the death benefit that would have been payable to the Beneficiary if </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">a lump sum distribution had been elected.</span>
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<div style="font-size:16pt;font-family:Arial, Helvetica, sans-serif;">•</div>
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<td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:2pt;align:left;vertical-align:top;text-align:left;">
<div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Additional contributions cannot be applied to the Contract.</span>
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<div style="font-size:16pt;font-family:Arial, Helvetica, sans-serif;">•</div>
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<td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:2pt;align:left;vertical-align:top;text-align:left;">
<div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Upon the death of the Annuitant, any remaining Contract Value will be paid to the succeeding Beneficiary in a lump sum or </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">over the Annuitant’s remaining life expectancy as determined by the applicable IRS table, but in no case may payments </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">extend beyond the end of the calendar year that contains the tenth anniversary of the Annuitant’s death.</span>
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<div style="font-size:16pt;font-family:Arial, Helvetica, sans-serif;">•</div>
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<td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:2pt;align:left;vertical-align:top;text-align:left;">
<div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">If there is a GMAB on the Contract, it will be terminated.</span>
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<div style="font-size:16pt;font-family:Arial, Helvetica, sans-serif;">•</div>
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<td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:2pt;align:left;vertical-align:top;text-align:left;">
<div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">A Beneficiary IRA may only be established by the Beneficiary of the IRA owner/qualified plan participant whose death </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">triggered the RMD requirements of IRC Section 401(a)(9). A Beneficiary IRA may not be established as a ‘‘second </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">generation’’ Beneficiary IRA by a successor Beneficiary.</span>
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<div style="font-size:16pt;font-family:Arial, Helvetica, sans-serif;">•</div>
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<td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:2pt;align:left;vertical-align:top;text-align:left;">
<div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Joint ownership of a Beneficiary IRA is not allowed. Beneficiaries should consult a qualified tax adviser for advice prior to </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">establishing a Beneficiary IRA.</span>
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</table></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Beneficiaries should consult a qualified tax adviser for advice prior to establishing a Beneficiary IRA.</b></span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:16.836pt;;"><b>Death of Owner During the Annuity Phase</b></span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Upon any Owner’s death during the Annuity Phase, if the Annuitant is still alive, the surviving Owner will retain the ownership of the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Contract. If there is no surviving Owner, the Beneficiary will become the Owner. Any remaining Annuity Payments under the Annuity </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Option elected will continue to be paid at least as rapidly as under the method of distribution in effect at such Owner’s death. For </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Qualified Contracts, the Beneficiary(ies) may be required to receive an adjusted payment stream in order to comply with RMD rules </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">that apply upon the Owner/Annuitant’s death. If the Beneficiary is not an “Eligible Designated Beneficiary” as defined by IRC Section </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">401(a)(9), Annuity Payments may only continue through the end of the calendar year that contains the tenth anniversary of the Owner/</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Annuitant’s death, even if a longer Annuity Payment option was elected, including a Joint and Last Survivor Annuity Option where the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Joint Annuitant is still living.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:16.836pt;;"><b>Death of Annuitant</b></span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">If an Annuitant, who is not the Owner or Joint Owner, dies during the Accumulation Phase, you can name a new Annuitant subject to </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">our approval. If there is no surviving Annuitant and you do not name an Annuitant within 30 calendar days after we receive </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">notification of the death of the Annuitant, the oldest Owner will become the Annuitant. If the Owner is a non-natural person and an </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Annuitant dies, you may not name a new Annuitant. In this case we will treat the death of the Annuitant as the death of the Owner and </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">pay the death benefit as described in ‘‘Death Benefit – Death of Owner During the Accumulation Phase.’’</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Upon the death of the last surviving Annuitant on or after the Annuity Date, the death benefit, if any, is as specified in the Annuity </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Option elected. Upon the death of the last surviving Annuitant during the Annuity Phase, any remaining payment under the elected </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Annuity Option will be paid to the Beneficiary. For Qualified Contracts, the Beneficiary(ies) may be required to receive an adjusted </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">payment stream in order to comply with RMD rules that apply upon the Owner/Annuitant’s death. If the Beneficiary is not an </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">‘‘Eligible Designated Beneficiary’’ as defined by IRC Section 401(a)(9), Annuity Payments may only continue through the end of the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">calendar year that contains the tenth anniversary of the Owner/Annuitant’s death, even if a longer Annuity Payment option was </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">elected, including a Joint and Last Survivor Annuity Option where the Joint Annuitant is still living. We will treat a surviving Owner </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">as the primary Beneficiary and treat any other Beneficiary designation on record at the time of death as a contingent Beneficiary.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:13.224pt;;"><b>Death Benefit and Partial Annuitizations</b></span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">If you apply a portion of your Non-Qualified Contract Value to an Annuity Option, the death benefit for that portion will be </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">determined in accordance with ‘‘Death Benefit – Death of Owner During the Annuity Phase’’ and ‘‘Death Benefit – Death of </span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Annuitant.’’ The death benefit for the portion of the Contract Value remaining in the Accumulation Phase will be determined in </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">accordance with ‘‘Death Benefit – Death of Owner During the Accumulation Phase’’ and ‘‘Death Benefit – Death of Annuitant.’’</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:13.224pt;;"><b>Due Proof of Death</b></span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">For purposes of determining due proof of death, we require:</span></div><div>
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<div style="font-size:16pt;font-family:Arial, Helvetica, sans-serif;">•</div>
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<td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:2pt;align:left;vertical-align:top;text-align:left;">
<div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">a certified death certificate; or</span>
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<div style="font-size:16pt;font-family:Arial, Helvetica, sans-serif;">•</div>
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<td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:2pt;align:left;vertical-align:top;text-align:left;">
<div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">a certified decree of a court of competent jurisdiction as to the finding of death; or</span>
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<div style="font-size:16pt;font-family:Arial, Helvetica, sans-serif;">•</div>
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<td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:2pt;align:left;vertical-align:top;text-align:left;">
<div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">any other proof satisfactory to us.</span>
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</table></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:24.060000000000002pt;;">Additional Benefits</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:16.836pt;;"><b>Terminal Illness Withdrawal Benefit</b></span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">With this benefit, you may withdraw all or a portion of your Contract Value without incurring a CDSC if we receive a Written Request </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">in Good Order at our Service Center that you (or an Annuitant, if the Owner is a non-natural person) have met the following </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">conditions:</span></div><div>
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<div style="font-size:16pt;font-family:Arial, Helvetica, sans-serif;">•</div>
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<td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:2pt;align:left;vertical-align:top;text-align:left;">
<div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">For purposes of this benefit, you (or an Annuitant, if the Owner is a non-natural person) were not diagnosed with a terminal </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">illness or a terminal condition resulting from bodily injury or disease or both as of the Issue Date.</span>
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<td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:10pt;">
<div style="font-size:16pt;font-family:Arial, Helvetica, sans-serif;">•</div>
</td>
<td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:2pt;align:left;vertical-align:top;text-align:left;">
<div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Each withdrawal request is made on or after the ‘‘Eligibility Date for Waiver of Contingent Deferred Sales Charge,’’ which is </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">one year after the Issue Date.</span>
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<div style="font-size:16pt;font-family:Arial, Helvetica, sans-serif;">•</div>
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<td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:2pt;align:left;vertical-align:top;text-align:left;">
<div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">We will require proof that you (or an Annuitant, if the Owner is a non-natural person) are terminally ill, as described above, </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">and not expected to live more than 12 months. This proof will include, but is not limited to, certification by a state licensed </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">medical practitioner performing within the scope of his/her license. The state licensed medical practitioner must not be you </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">or your parent, sibling, spouse or child (or an Annuitant or an Annuitant’s parent, sibling, spouse or child if the Owner is a </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">non-natural person).</span>
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</td>
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</table></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">If we determine that your Written Request for a withdrawal free of CDSC does not meet the qualifying conditions, we will provide a </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Written Notice of such determination. We will not proceed with your Written Request for a withdrawal until we receive notification </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">from you that you accept or reject the withdrawal including the CDSC assessed. If you do not accept the withdrawal including the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">CDSC, the withdrawal request will not be processed. If you do accept the withdrawal including the CDSC, we will process it on the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Business Day you notify us of your acceptance.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">There is no charge for the Terminal Illness Withdrawal Benefit. The Terminal Illness Withdrawal Benefit may not be available in all </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">states. See ‘‘Appendix H – State Variations of Certain Contract Features.’’ Please contact your registered representative or call the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Service Center for more information.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:16.836pt;;"><b>Nursing Home and Hospital Withdrawal Benefit</b></span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">With this benefit, you may withdraw all or a portion of your Contract Value without incurring a CDSC if we receive a Written Request </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">in Good Order at our Service Center that you (or an Annuitant, if the Owner is a non-natural person) have been admitted to a licensed </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">nursing care facility or accredited hospital or its successor, subject to the following requirements:</span></div><div>
<table cellspacing="0" style="padding-top:3pt;padding-right:2%;padding-left:2%;" width="100%">
<tr>
<td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:10pt;">
<div style="font-size:16pt;font-family:Arial, Helvetica, sans-serif;">•</div>
</td>
<td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:2pt;align:left;vertical-align:top;text-align:left;">
<div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">For purposes of this benefit, you (or the Annuitant, if the Owner is a non-natural person) are not confined in a licensed </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">nursing care facility or accredited hospital or its successor on the Issue Date.</span>
</div>
</td>
</tr>
</table></div><div>
<table cellspacing="0" style="padding-top:3pt;padding-right:2%;padding-left:2%;" width="100%">
<tr>
<td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:10pt;">
<div style="font-size:16pt;font-family:Arial, Helvetica, sans-serif;">•</div>
</td>
<td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:2pt;align:left;vertical-align:top;text-align:left;">
<div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Each withdrawal request is made on or after the “Eligibility Date for Waiver of Contingent Deferred Sales Charge,” which is </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">one year after the Issue Date.</span>
</div>
</td>
</tr>
</table></div><div>
<table cellspacing="0" style="padding-top:3pt;padding-right:2%;padding-left:2%;" width="100%">
<tr>
<td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:10pt;">
<div style="font-size:16pt;font-family:Arial, Helvetica, sans-serif;">•</div>
</td>
<td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:2pt;align:left;vertical-align:top;text-align:left;">
<div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Each withdrawal request is made within 120 calendar days after services were provided to you (or the Annuitant, if the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Owner is a non-natural person). You must have been confined at a licensed nursing care facility and/or accredited hospital or </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">its successor for a consecutive period of at least 90 consecutive calendar days.</span>
</div>
</td>
</tr>
</table></div><div>
<table cellspacing="0" style="padding-top:3pt;padding-right:2%;padding-left:2%;" width="100%">
<tr>
<td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:10pt;">
<div style="font-size:16pt;font-family:Arial, Helvetica, sans-serif;">•</div>
</td>
<td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:2pt;align:left;vertical-align:top;text-align:left;">
<div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The confinement must be prescribed by a state licensed medical practitioner performing within the scope of his/her license.</span>
</div>
</td>
</tr>
</table></div><div>
<table cellspacing="0" style="padding-top:3pt;padding-right:2%;padding-left:2%;" width="100%">
<tr>
<td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:10pt;">
<div style="font-size:16pt;font-family:Arial, Helvetica, sans-serif;">•</div>
</td>
<td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:2pt;align:left;vertical-align:top;text-align:left;">
<div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Each withdrawal is accompanied by proof satisfactory to us that you (or the Annuitant, if the Owner is a non-natural person) </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">meet the qualifying conditions above.</span>
</div>
</td>
</tr>
</table></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">You may not participate in the Systematic Withdrawal Program if we are currently waiving the CDSC in accordance with this benefit.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">A licensed nursing care facility is an institution licensed by the state in which it is located to provide skilled nursing care, intermediate </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">nursing care, or custodial nursing care. An accredited hospital is a hospital licensed, or recognized as a general hospital, by the state in </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">which it is located or by the Joint Commission on the Accreditation of Hospitals, or its successors.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">If we determine that your Written Request for a withdrawal free of CDSC does not meet the qualifying conditions, we will provide a </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Written Notice of such determination. We will not proceed with your Written Request for a withdrawal until we receive notification </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">from you that you accept or reject the withdrawal including the CDSC assessed. If you do not accept the withdrawal including the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">CDSC, the withdrawal request will not be processed. If you do accept the withdrawal including the CDSC, we will process it on the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Business Day you notify us of your acceptance.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">There is no charge for the Nursing Home and Hospital Withdrawal Benefit. The Nursing Home and Hospital Withdrawal Benefit may </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">not be available in all states. See “Appendix H – State Variations of Certain Contract Features.” Please contact your registered </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">representative or call the Service Center for more information.</span></div>
<div>
<table cellspacing="0" style="width:100%;cellspacing:0;padding-bottom:5pt;padding-top:5pt;margin-left:0pt;">
<tr style="height:1px;">
<td style="height:1px;background-color:#A5A5A5;;width:21.100646352723913%"></td>
<td style="height:1px;background-color:#A5A5A5;;width:22.1994459833795%"></td>
<td style="height:1px;background-color:#A5A5A5;;width:11.300092336103416%"></td>
<td style="height:1px;background-color:#A5A5A5;;width:17.59926131117267%"></td>
<td style="height:1px;background-color:#A5A5A5;;width:27.8005540166205%"></td>
</tr>
<tr>
<td colspan="1" style="background-color:#A5A5A5;;vertical-align:bottom">
<div style="background-color:#A5A5A5;padding-left:6pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.02pt"><b>Benefit</b></span></span>
</div>
</td>
<td colspan="1" style="background-color:#A5A5A5;;vertical-align:bottom">
<div style="background-color:#A5A5A5;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.02pt"><b>Purpose</b></span></div>
</td>
<td colspan="1" style="background-color:#A5A5A5;;vertical-align:bottom">
<div style="background-color:#A5A5A5;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.02pt"><b>Benefit is </b></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.02pt"><b>Standard or </b></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.02pt"><b>Optional</b></span></div>
</td>
<td colspan="1" style="background-color:#A5A5A5;;vertical-align:bottom">
<div style="background-color:#A5A5A5;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"><b>Fee</b></span></div>
</td>
<td colspan="1" style="background-color:#A5A5A5;;vertical-align:bottom">
<div style="background-color:#A5A5A5;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.02pt"><b>Restrictions/Limitations</b></span></div>
</td>
</tr>
<tr>
<td colspan="1" style="vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:6pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"><b>Death Benefit</b></span></span>
</div>
</td>
<td colspan="1" style="vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Upon your death, we will pay </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">your designated beneficiaries the </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">greater of (1) the Contract Value </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">determined as of the Business </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Day we receive both due proof </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">of death and an election of the </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">payment method in Good Order </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">at our Service Center; or (2) an </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">amount based on your Purchase </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Payments adjusted for </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">withdrawals.</span>
</div>
</td>
<td colspan="1" style="vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Standard</span>
</div>
</td>
<td colspan="1" style="vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">None</span></div>
</td>
<td colspan="1" style="vertical-align:top">
<div style="padding:0;margin:0;width:100%;">
<ul style="font-size:16pt;line-height:10pt;padding-left:8pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';">
<li style="padding:0;margin:0;">
<div style="margin-top:2pt; padding-left:16pt;vertical-align:bottom;color:#000000;;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">This benefit terminates upon a full</span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">withdrawal of the Contract or full </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">annuitization of the Contract Value.</span>
</div>
</li>
</ul>
</div>
<div style="padding:0;margin:0;width:100%;">
<ul style="font-size:16pt;line-height:10pt;padding-left:8pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';">
<li style="padding:0;margin:0;">
<div style="margin-top:2pt; padding-left:16pt;vertical-align:bottom;color:#000000;;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Withdrawals reduce the death benefit</span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">amount in direct proportion to the</span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Contract Value reduction.</span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Since withdrawals result in a pro-rata</span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">adjustment to the death benefit</span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">amount, the death benefit amount</span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">may be reduced by more than the</span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">actual dollar amount of the</span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">withdrawals.</span>
</div>
</li>
</ul>
</div>
</td>
</tr>
<tr>
<td colspan="1" style="background-color:#E5E5E5;;vertical-align:top">
<div style="background-color:#E5E5E5;padding-left:6pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"><b>GMAB: 12-Year Benefit</b></span></span><br/><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"><b>GMAB: 20-Year Benefit</b></span></span>
</div>
</td>
<td colspan="1" style="background-color:#E5E5E5;;vertical-align:top">
<div style="background-color:#E5E5E5;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">If you participate in a GMAB, </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">we guarantee that at the end of </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">your benefit period your </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Contract Value will equal no less </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">than a specified amount, the </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">GMAB Amount.</span>
</div>
</td>
<td colspan="1" style="background-color:#E5E5E5;;vertical-align:top">
<div style="background-color:#E5E5E5;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Optional</span>
</div>
</td>
<td colspan="1" style="background-color:#E5E5E5;;vertical-align:top">
<div style="background-color:#E5E5E5;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"><b>Current Fee for the </b></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"><b>12-Year GMAB: </b></span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">1.40%</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"> </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">of the GMAB Amount</span></div>
<div style="background-color:#E5E5E5;padding-left:2pt;padding-top:3pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"><b>Maximum Fee for the </b></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"><b>12-Year GMAB: </b></span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">2.50%</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"> </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">of the GMAB Amount</span></div>
<div style="background-color:#E5E5E5;padding-left:2pt;padding-top:3pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"><b>Current Fee for the </b></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"><b>20-Year GMAB: </b></span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">1.40%</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"> </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">of the GMAB Charge </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Base</span></div>
<div style="background-color:#E5E5E5;padding-left:2pt;padding-top:3pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"><b>Maximum Fee for the </b></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"><b>20-Year GMAB: </b></span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">2.50%</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"> </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">of the GMAB Charge </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Base</span></div>
</td>
<td colspan="1" style="background-color:#E5E5E5;;vertical-align:top">
<div style="padding:0;margin:0;width:100%;">
<ul style="font-size:16pt;line-height:10pt;padding-left:8pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';">
<li style="padding:0;margin:0;">
<div style="margin-top:2pt; padding-left:16pt;vertical-align:bottom;color:#000000;;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">We no longer offer the GMAB, either </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">the 12-Year Benefit or 20-Year </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Benefit, as an optional benefit.</span>
</div>
</li>
</ul>
</div>
<div style="padding:0;margin:0;width:100%;">
<ul style="font-size:16pt;line-height:10pt;padding-left:8pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';">
<li style="padding:0;margin:0;">
<div style="margin-top:2pt; padding-left:16pt;vertical-align:bottom;color:#000000;;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">While the GMAB is in effect, you </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">cannot participate in the Automatic </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Rebalancing Program, the AIP, the </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Separate Account Dollar Cost </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Averaging Program, or the DCA Fixed </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Account.</span>
</div>
</li>
</ul>
</div>
<div style="padding:0;margin:0;width:100%;">
<ul style="font-size:16pt;line-height:10pt;padding-left:8pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';">
<li style="padding:0;margin:0;">
<div style="margin-top:2pt; padding-left:16pt;vertical-align:bottom;color:#000000;;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">While the GMAB is in effect, you will </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">be subject to allocation restrictions. </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">You will be limited in your choice of </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Sub-Account investments and may be </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">limited in how much you can invest in </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">certain Sub-Accounts. </span>
</div>
</li>
</ul>
</div>
<div style="padding:0;margin:0;width:100%;">
<ul style="font-size:16pt;line-height:10pt;padding-left:8pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';">
<li style="padding:0;margin:0;">
<div style="margin-top:2pt; padding-left:16pt;vertical-align:bottom;color:#000000;;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Withdrawals will negatively impact </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">the GMAB Amount.</span>
</div>
</li>
</ul>
</div>
<div style="padding:0;margin:0;width:100%;">
<ul style="font-size:16pt;line-height:10pt;padding-left:8pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';">
<li style="padding:0;margin:0;">
<div style="margin-top:2pt; padding-left:16pt;vertical-align:bottom;color:#000000;;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Any Purchase Payment made after the </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">first Contract Year or after a reset will </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">not increase your GMAB Value.</span>
</div>
</li>
</ul>
</div>
</td>
</tr>
<tr>
<td colspan="1" style="vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:6pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"><b>Automatic Rebalancing </b></span></span><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"><b>Program</b></span></span>
</div>
</td>
<td colspan="1" style="vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Automatically rebalances the </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Sub-Accounts you select to </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">maintain your original </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">percentage allocation of Contract </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Value.</span>
</div>
</td>
<td colspan="1" style="vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Optional</span>
</div>
</td>
<td colspan="1" style="vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">None</span></div>
</td>
<td colspan="1" style="vertical-align:top">
<div style="padding:0;margin:0;width:100%;">
<ul style="font-size:16pt;line-height:10pt;padding-left:8pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';">
<li style="padding:0;margin:0;">
<div style="margin-top:2pt; padding-left:16pt;vertical-align:bottom;color:#000000;;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Cannot use if the DCA Fixed Account, </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Separate Account Dollar Cost </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Averaging Program, or GMAB are in </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">effect.</span>
</div>
</li>
</ul>
</div>
</td>
</tr>
<tr>
<td colspan="1" style="background-color:#E5E5E5;;vertical-align:top">
<div style="background-color:#E5E5E5;padding-left:6pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"><b>DCA Fixed Account</b></span></span>
</div>
</td>
<td colspan="1" style="background-color:#E5E5E5;;vertical-align:top">
<div style="background-color:#E5E5E5;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Automatically transfers a </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">specific amount of Contract </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Value from the DCA Fixed </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Account to the Sub-Accounts </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">you have selected, at set intervals </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">over a period of either six or </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">twelve months.</span>
</div>
</td>
<td colspan="1" style="background-color:#E5E5E5;;vertical-align:top">
<div style="background-color:#E5E5E5;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Optional</span>
</div>
</td>
<td colspan="1" style="background-color:#E5E5E5;;vertical-align:top">
<div style="background-color:#E5E5E5;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">None</span></div>
</td>
<td colspan="1" style="background-color:#E5E5E5;;vertical-align:top">
<div style="padding:0;margin:0;width:100%;">
<ul style="font-size:16pt;line-height:10pt;padding-left:8pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';">
<li style="padding:0;margin:0;">
<div style="margin-top:2pt; padding-left:16pt;vertical-align:bottom;color:#000000;;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Cannot use if the Automatic</span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Rebalancing Program, Separate </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Account Dollar Cost Averaging </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Program, AIP, or GMAB are in effect.</span>
</div>
</li>
</ul>
</div>
<div style="padding:0;margin:0;width:100%;">
<ul style="font-size:16pt;line-height:10pt;padding-left:8pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';">
<li style="padding:0;margin:0;">
<div style="margin-top:2pt; padding-left:16pt;vertical-align:bottom;color:#000000;;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Must apply a Purchase Payment of at</span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">least $5,000 to a DCA Term.</span>
</div>
</li>
</ul>
</div>
<div style="padding:0;margin:0;width:100%;">
<ul style="font-size:16pt;line-height:10pt;padding-left:8pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';">
<li style="padding:0;margin:0;">
<div style="margin-top:2pt; padding-left:16pt;vertical-align:bottom;color:#000000;;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">You cannot transfer current Contract </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Value into the DCA Fixed Account.</span>
</div>
</li>
</ul>
</div>
<div style="padding:0;margin:0;width:100%;">
<ul style="font-size:16pt;line-height:10pt;padding-left:8pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';">
<li style="padding:0;margin:0;">
<div style="margin-top:2pt; padding-left:16pt;vertical-align:bottom;color:#000000;;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">No unscheduled transfers may be </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">made from the DCA Fixed Account.</span>
</div>
</li>
</ul>
</div>
</td>
</tr>
</table></div><div>
<table cellspacing="0" style="width:100%;cellspacing:0;padding-bottom:5pt;padding-top:5pt;margin-left:0pt;">
<tr style="height:1px;">
<td style="height:1px;background-color:#A5A5A5;;width:21.100646352723913%"></td>
<td style="height:1px;background-color:#A5A5A5;;width:22.1994459833795%"></td>
<td style="height:1px;background-color:#A5A5A5;;width:11.300092336103416%"></td>
<td style="height:1px;background-color:#A5A5A5;;width:17.59926131117267%"></td>
<td style="height:1px;background-color:#A5A5A5;;width:27.8005540166205%"></td>
</tr>
<tr>
<td colspan="1" style="background-color:#A5A5A5;;vertical-align:bottom">
<div style="background-color:#A5A5A5;padding-left:6pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.02pt"><b>Benefit</b></span></span>
</div>
</td>
<td colspan="1" style="background-color:#A5A5A5;;vertical-align:bottom">
<div style="background-color:#A5A5A5;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.02pt"><b>Purpose</b></span></div>
</td>
<td colspan="1" style="background-color:#A5A5A5;;vertical-align:bottom">
<div style="background-color:#A5A5A5;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.02pt"><b>Benefit is </b></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.02pt"><b>Standard or </b></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.02pt"><b>Optional</b></span></div>
</td>
<td colspan="1" style="background-color:#A5A5A5;;vertical-align:bottom">
<div style="background-color:#A5A5A5;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"><b>Fee</b></span></div>
</td>
<td colspan="1" style="background-color:#A5A5A5;;vertical-align:bottom">
<div style="background-color:#A5A5A5;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.02pt"><b>Restrictions/Limitations </b></span></div>
</td>
</tr>
<tr>
<td colspan="1" style="vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:6pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"><b>Separate Account Dollar </b></span></span><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"><b>Cost Averaging Program</b></span></span>
</div>
</td>
<td colspan="1" style="vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Automatically transfers a</span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">specific amount of Contract</span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Value from a single</span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Sub-Account to other</span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Sub-Accounts you have</span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">selected, at set intervals.</span>
</div>
</td>
<td colspan="1" style="vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Optional</span>
</div>
</td>
<td colspan="1" style="vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">None</span></div>
</td>
<td colspan="1" style="vertical-align:top">
<div style="padding:0;margin:0;width:100%;">
<ul style="font-size:16pt;line-height:10pt;padding-left:8pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';">
<li style="padding:0;margin:0;">
<div style="margin-top:2pt; padding-left:16pt;vertical-align:bottom;color:#000000;;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Cannot use if the Automatic</span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Rebalancing Program, DCA Fixed</span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Account, AIP, or GMAB are in effect.</span>
</div>
</li>
</ul>
</div>
</td>
</tr>
<tr>
<td colspan="1" style="background-color:#E5E5E5;;vertical-align:top">
<div style="background-color:#E5E5E5;padding-left:6pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"><b>Systematic Withdrawal </b></span></span><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"><b>Program</b></span></span>
</div>
</td>
<td colspan="1" style="background-color:#E5E5E5;;vertical-align:top">
<div style="background-color:#E5E5E5;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Automatically withdraws a </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">specific amount of Contract </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Value proportionally from all </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Sub-Accounts you have selected.</span>
</div>
</td>
<td colspan="1" style="background-color:#E5E5E5;;vertical-align:top">
<div style="background-color:#E5E5E5;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Optional</span>
</div>
</td>
<td colspan="1" style="background-color:#E5E5E5;;vertical-align:top">
<div style="background-color:#E5E5E5;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">None</span></div>
</td>
<td colspan="1" style="background-color:#E5E5E5;;vertical-align:top">
<div style="padding:0;margin:0;width:100%;">
<ul style="font-size:16pt;line-height:10pt;padding-left:8pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';">
<li style="padding:0;margin:0;">
<div style="margin-top:2pt; padding-left:16pt;vertical-align:bottom;color:#000000;;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">In order to participate in this program:</span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">(1) there must be at least $5,000 in</span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"> Contract Value, and</span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">(2) the minimum withdrawal amount</span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"> must be $100.</span>
</div>
</li>
</ul>
</div>
</td>
</tr>
<tr>
<td colspan="1" style="vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:6pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"><b>Terminal Illness</b></span></span><br/><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"><b>Withdrawal Benefit</b></span></span>
</div>
</td>
<td colspan="1" style="vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Allows withdrawal of some or all </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Contract Value without incurring </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">a CDSC if diagnosed with a </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">terminal illness or terminal </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">condition.</span>
</div>
</td>
<td colspan="1" style="vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Optional</span>
</div>
</td>
<td colspan="1" style="vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">None</span></div>
</td>
<td colspan="1" style="vertical-align:top">
<div style="padding:0;margin:0;width:100%;">
<ul style="font-size:16pt;line-height:10pt;padding-left:8pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';">
<li style="padding:0;margin:0;">
<div style="margin-top:2pt; padding-left:16pt;vertical-align:bottom;color:#000000;;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">You cannot be diagnosed with the </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">terminal illness or the terminal </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">condition or both as of the Issue Date.</span>
</div>
</li>
</ul>
</div>
<div style="padding:0;margin:0;width:100%;">
<ul style="font-size:16pt;line-height:10pt;padding-left:8pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';">
<li style="padding:0;margin:0;">
<div style="margin-top:2pt; padding-left:16pt;vertical-align:bottom;color:#000000;;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Each withdrawal request must be </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">made one year or more after the Issue </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Date.</span>
</div>
</li>
</ul>
</div>
<div style="padding:0;margin:0;width:100%;">
<ul style="font-size:16pt;line-height:10pt;padding-left:8pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';">
<li style="padding:0;margin:0;">
<div style="margin-top:2pt; padding-left:16pt;vertical-align:bottom;color:#000000;;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">We require proof that you are </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">terminally ill, including, but not </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">limited to, certification by a state </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">licensed medical practitioner.</span>
</div>
</li>
</ul>
</div>
<div style="padding:0;margin:0;width:100%;">
<ul style="font-size:16pt;line-height:10pt;padding-left:8pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';">
<li style="padding:0;margin:0;">
<div style="margin-top:2pt; padding-left:16pt;vertical-align:bottom;color:#000000;;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">May not be available in all states. See </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">‘‘Appendix H – State Variations of </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Certain Contract Features.’’</span>
</div>
</li>
</ul>
</div>
</td>
</tr>
<tr>
<td colspan="1" style="background-color:#E5E5E5;;vertical-align:top">
<div style="background-color:#E5E5E5;padding-left:6pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"><b>Nursing Home and</b></span></span><br/><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"><b>Hospital Withdrawal</b></span></span><br/><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"><b>Benefit</b></span></span>
</div>
</td>
<td colspan="1" style="background-color:#E5E5E5;;vertical-align:top">
<div style="background-color:#E5E5E5;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Allows withdrawal of some or</span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">all Contract Value without</span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">incurring a CDSC if admitted</span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">to a licensed nursing care</span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">facility or accredited hospital.</span>
</div>
</td>
<td colspan="1" style="background-color:#E5E5E5;;vertical-align:top">
<div style="background-color:#E5E5E5;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Optional</span>
</div>
</td>
<td colspan="1" style="background-color:#E5E5E5;;vertical-align:top">
<div style="background-color:#E5E5E5;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">None</span></div>
</td>
<td colspan="1" style="background-color:#E5E5E5;;vertical-align:top">
<div style="padding:0;margin:0;width:100%;">
<ul style="font-size:16pt;line-height:10pt;padding-left:8pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';">
<li style="padding:0;margin:0;">
<div style="margin-top:2pt; padding-left:16pt;vertical-align:bottom;color:#000000;;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Confinement must begin after the</span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Issue Date.</span>
</div>
</li>
</ul>
</div>
<div style="padding:0;margin:0;width:100%;">
<ul style="font-size:16pt;line-height:10pt;padding-left:8pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';">
<li style="padding:0;margin:0;">
<div style="margin-top:2pt; padding-left:16pt;vertical-align:bottom;color:#000000;;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Each withdrawal request must be</span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">made one year or more after the</span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Issue Date.</span>
</div>
</li>
</ul>
</div>
<div style="padding:0;margin:0;width:100%;">
<ul style="font-size:16pt;line-height:10pt;padding-left:8pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';">
<li style="padding:0;margin:0;">
<div style="margin-top:2pt; padding-left:16pt;vertical-align:bottom;color:#000000;;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Each withdrawal request must be</span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">made within 120 calendar days after</span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">services provided.</span>
</div>
</li>
</ul>
</div>
<div style="padding:0;margin:0;width:100%;">
<ul style="font-size:16pt;line-height:10pt;padding-left:8pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';">
<li style="padding:0;margin:0;">
<div style="margin-top:2pt; padding-left:16pt;vertical-align:bottom;color:#000000;;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Confinement must be for at least 90</span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">consecutive calendar days and must be </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">prescribed by a state licensed medical </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">practitioner.</span>
</div>
</li>
</ul>
</div>
<div style="padding:0;margin:0;width:100%;">
<ul style="font-size:16pt;line-height:10pt;padding-left:8pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';">
<li style="padding:0;margin:0;">
<div style="margin-top:2pt; padding-left:16pt;vertical-align:bottom;color:#000000;;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Cannot use with Systematic</span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Withdrawal Program.</span>
</div>
</li>
</ul>
</div>
<div style="padding:0;margin:0;width:100%;">
<ul style="font-size:16pt;line-height:10pt;padding-left:8pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';">
<li style="padding:0;margin:0;">
<div style="margin-top:2pt; padding-left:16pt;vertical-align:bottom;color:#000000;;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">May not be available in all states.</span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">See “Appendix H – State Variations of </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Certain Contract Features.”</span>
</div>
</li>
</ul>
</div>
</td>
</tr>
</table></div>
<span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"><b>Death Benefit</b></span></span>
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Upon your death, we will pay </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">your designated beneficiaries the </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">greater of (1) the Contract Value </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">determined as of the Business </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Day we receive both due proof </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">of death and an election of the </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">payment method in Good Order </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">at our Service Center; or (2) an </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">amount based on your Purchase </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Payments adjusted for </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">withdrawals.</span>
true
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">This benefit terminates upon a full</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">withdrawal of the Contract or full </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">annuitization of the Contract Value.</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Withdrawals reduce the death benefit</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">amount in direct proportion to the</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Contract Value reduction.</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Since withdrawals result in a pro-rata</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">adjustment to the death benefit</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">amount, the death benefit amount</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">may be reduced by more than the</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">actual dollar amount of the</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">withdrawals.</span>
<span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"><b>GMAB: 12-Year Benefit</b></span></span><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"><b>GMAB: 20-Year Benefit</b></span></span>
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">If you participate in a GMAB, </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">we guarantee that at the end of </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">your benefit period your </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Contract Value will equal no less </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">than a specified amount, the </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">GMAB Amount.</span>
true
0.014
0.025
0.014
0.025
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">We no longer offer the GMAB, either </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">the 12-Year Benefit or 20-Year </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Benefit, as an optional benefit.</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">While the GMAB is in effect, you </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">cannot participate in the Automatic </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Rebalancing Program, the AIP, the </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Separate Account Dollar Cost </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Averaging Program, or the DCA Fixed </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Account.</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">While the GMAB is in effect, you will </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">be subject to allocation restrictions. </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">You will be limited in your choice of </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Sub-Account investments and may be </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">limited in how much you can invest in </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">certain Sub-Accounts. </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Withdrawals will negatively impact </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">the GMAB Amount.</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Any Purchase Payment made after the </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">first Contract Year or after a reset will </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">not increase your GMAB Value.</span>
<span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"><b>Automatic Rebalancing </b></span></span><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"><b>Program</b></span></span>
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Automatically rebalances the </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Sub-Accounts you select to </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">maintain your original </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">percentage allocation of Contract </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Value.</span>
true
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Cannot use if the DCA Fixed Account, </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Separate Account Dollar Cost </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Averaging Program, or GMAB are in </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">effect.</span>
<span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"><b>DCA Fixed Account</b></span></span>
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Automatically transfers a </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">specific amount of Contract </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Value from the DCA Fixed </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Account to the Sub-Accounts </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">you have selected, at set intervals </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">over a period of either six or </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">twelve months.</span>
true
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Cannot use if the Automatic</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Rebalancing Program, Separate </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Account Dollar Cost Averaging </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Program, AIP, or GMAB are in effect.</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Must apply a Purchase Payment of at</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">least $5,000 to a DCA Term.</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">You cannot transfer current Contract </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Value into the DCA Fixed Account.</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">No unscheduled transfers may be </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">made from the DCA Fixed Account.</span>
<span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"><b>Separate Account Dollar </b></span></span><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"><b>Cost Averaging Program</b></span></span>
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Automatically transfers a</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">specific amount of Contract</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Value from a single</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Sub-Account to other</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Sub-Accounts you have</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">selected, at set intervals.</span>
true
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Cannot use if the Automatic</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Rebalancing Program, DCA Fixed</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Account, AIP, or GMAB are in effect.</span>
<span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"><b>Systematic Withdrawal </b></span></span><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"><b>Program</b></span></span>
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Automatically withdraws a </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">specific amount of Contract </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Value proportionally from all </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Sub-Accounts you have selected.</span>
true
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">In order to participate in this program:</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">(1) there must be at least $5,000 in</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"> Contract Value, and</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">(2) the minimum withdrawal amount</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"> must be $100.</span>
<span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"><b>Terminal Illness</b></span></span><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"><b>Withdrawal Benefit</b></span></span>
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Allows withdrawal of some or all </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Contract Value without incurring </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">a CDSC if diagnosed with a </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">terminal illness or terminal </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">condition.</span>
true
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">You cannot be diagnosed with the </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">terminal illness or the terminal </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">condition or both as of the Issue Date.</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Each withdrawal request must be </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">made one year or more after the Issue </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Date.</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">We require proof that you are </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">terminally ill, including, but not </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">limited to, certification by a state </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">licensed medical practitioner.</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">May not be available in all states. See </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">‘‘Appendix H – State Variations of </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Certain Contract Features.’’</span>
<span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"><b>Nursing Home and</b></span></span><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"><b>Hospital Withdrawal</b></span></span><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"><b>Benefit</b></span></span>
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Allows withdrawal of some or</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">all Contract Value without</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">incurring a CDSC if admitted</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">to a licensed nursing care</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">facility or accredited hospital.</span>
true
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Confinement must begin after the</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Issue Date.</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Each withdrawal request must be</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">made one year or more after the</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Issue Date.</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Each withdrawal request must be</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">made within 120 calendar days after</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">services provided.</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Confinement must be for at least 90</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">consecutive calendar days and must be </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">prescribed by a state licensed medical </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">practitioner.</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Cannot use with Systematic</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Withdrawal Program.</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">May not be available in all states.</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">See “Appendix H – State Variations of </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Certain Contract Features.”</span>
<span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:16.836pt;;"><b>Death of Owner During the Accumulation Phase</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">If any Owner dies during the Accumulation Phase, we will pay a death benefit to the primary Beneficiary. If any Owner dies, we will </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">treat the surviving Owner as the primary Beneficiary and treat any other Beneficiary designation, on record at the time of death, as a </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">contingent Beneficiary.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The Beneficiary may request that the death benefit be paid under one of the death benefit options. If the sole primary Beneficiary is </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">your spouse and your Contract is a Non-Qualified Contract or is held as a traditional IRA (including SEP and SIMPLE IRAs) or Roth </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">IRA, he or she may elect to become the Owner of the Contract by continuing the Contract at the death benefit amount payable. </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Generally, if the Contract is continued then:</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">the spouse’s initial Contract Value will be equal to the death benefit that would have been payable if the lump sum </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">distribution had been elected;</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">all applicable Contract features and benefits will be in the surviving spouse’s name; and</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">the surviving spouse will exercise all of the Owner’s rights under the Contract.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Restrictions are as follows:</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">if, at the time the Owner purchased the Contract, the surviving spouse was over the maximum Contract issue Age, then the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Contract cannot be continued;</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">if, at the time the Owner purchased the Contract, the surviving spouse was over the maximum allowable Age for electing the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">GMAB, then the GMAB will be terminated.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">If the sole primary Beneficiary is a domestic partner or civil union partner, as defined under applicable state laws, we will treat him or </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">her as a spouse for this provision, and he or she may elect to continue the Contract as described herein. However, a domestic partner or </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">civil union partner cannot elect to continue the Contract if it is a traditional IRA or Roth IRA. Since current federal tax law does not </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">define a spouse to include a domestic partner or civil union partner, such domestic partner or civil union partner who elects to continue </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">the Contract must still meet the distribution requirements of IRC Section 72(s). In order to meet these requirements, the amount of any </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">gain in the Contract will become subject to income tax at the time the election to continue the Contract is made.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The right to continue the Contract by a surviving spouse, a domestic partner, or a civil union partner can only be exercised once while </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">the Contract is in effect.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">See ‘‘Taxes – Civil Unions and Domestic Partnerships’’ if you are in a domestic partnership or civil union.</span>
<span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:16.836pt;;"><b>Death Benefit Amount During the Accumulation Phase</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:13.224pt;;"><b>Return of Purchase Payment Death Benefit</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The death benefit during the Accumulation Phase will be the greater of 1 and 2 below.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">(1) The total Purchase Payments, reduced by an adjustment for each withdrawal. The adjustment is equal to A divided by B, with </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">the result multiplied by C, where:</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">A = the Contract Value withdrawn, including any applicable CDSC;</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">B = the Contract Value immediately prior to the withdrawal; and</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">C = the total Purchase Payments adjusted for any prior withdrawals.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">(2) The Contract Value determined as of the Close of Business on the Business Day on which we receive both due proof of death </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">and an election of the payment method in Good Order at our Service Center.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">A withdrawal will reduce the death benefit amount in direct proportion to the Contract Value reduction. Since withdrawals result in a </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">pro-rata adjustment to the death benefit amount, the death benefit amount may be reduced by more than the actual dollar amount of the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">withdrawals. See ‘‘Appendix E – Return of Purchase Payment Death Benefit Examples.’’</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The death benefit that is payable during the Accumulation Phase is determined as of the Close of Business on the Business Day on </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">which we receive both due proof of death and an election of the payment method at our Service Center. Where there is more than one </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Beneficiary, we will determine the death benefit as of the Business Day the first Beneficiary submits due proof of death and election of </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">payment method. If the death benefit payable is greater than the Contract Value, we will apply an amount equal to the difference </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">between the death benefit and Contract Value to each Sub-Account and/or DCA Fixed Account in the ratio that your value in each </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Sub-Account and/or the DCA Fixed Account bears to your Contract Value. Each Beneficiary’s portion of the death benefit will be </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">applied to their chosen death benefit payout option on the Business Day we receive their election of the payment method in Good </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Order and will be paid from the current allocation on a pro rata basis. The balance of the death benefit will remain in the Sub-Accounts </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">and/or DCA Fixed Account based on the current allocation until each of the other Beneficiaries submits a Written Request to claim </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">his/her death benefit. From the time the death benefit is determined until complete distribution is made, any amount in a Sub-Account </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">will be subject to investment risk. This risk is borne by the Beneficiary(ies).</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">We consider the application of a portion of your Contract Value to an Annuity Option as a withdrawal for purposes of calculating the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">death benefit amount.</span>
<span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:16.836pt;;"><b>Death Benefit Payment Options During the Accumulation Phase</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The availability of certain death benefit options may be limited for Tax-Qualified Contracts in order to comply with RMD rules.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">For Non-Qualified Contracts, each Beneficiary must elect the death benefit to be paid under one of the following options in the event </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">that a death benefit becomes payable during the Accumulation Phase:</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Option 1</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> – Lump sum payment of the death benefit.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Option 2</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> – Payment of the entire death benefit within five years of the date of any Owner’s death. This option may not be </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">available if there are multiple Beneficiaries.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Option 3</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> – Payment of the death benefit under an Annuity Option over the lifetime of the Beneficiary or over a period not </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">extending beyond the life expectancy of the Beneficiary. Distribution must begin within one year of the date of any Owner’s </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">death. This option is not available for a Beneficiary that is a non-natural person.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Option 4</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> – Payment of the death benefit from a deferred annuity Contract over the life expectancy of the Beneficiary </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">through a series of non-annuitized withdrawals made at least annually. Distribution must begin within one year of the date of </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">any Owner’s death. Additional withdrawals, including full withdrawals, are available. This option is not available for a </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Beneficiary that is a non-natural person, and may not be available if there are multiple Beneficiaries. See the sub-section </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">below entitled ‘‘Non-Qualified Beneficiary Annuity’’ for rules and restrictions.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">For Qualified Contracts, each Beneficiary must elect the death benefit to be paid under one of the following options in the event that a </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">death benefit becomes payable during the Accumulation Phase:</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Option 1</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> – Lump sum payment of the death benefit.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Option 2</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> – Payment of the entire death benefit by the end of the calendar year that contains the tenth anniversary of your </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">death (fifth anniversary of your death if you do not have a designated Beneficiary as defined for purposes of IRC Section </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">401(a)(9), including where your Beneficiary is your estate or certain trusts). This option may not be available if there are </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">multiple Beneficiaries.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Option 3</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> – If the Beneficiary is your surviving spouse, or is not more than 10 years younger than you, payment of the death </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">benefit under an Annuity Option over the lifetime of the Beneficiary or over a period not extending beyond the life </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">expectancy of the Beneficiary. Distribution must generally begin by the end of the calendar year following the year of your </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">death. Additional deferral may be available for a spouse Beneficiary.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Option 4</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> – If the Beneficiary is your surviving spouse, or is not more than 10 years younger than you, payment of the death </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">benefit from a deferred annuity Contract over the life expectancy of the Beneficiary through a series of non-annuitized </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">withdrawals made at least annually. Distribution must generally begin by the end of the calendar year following the year of </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">your death. Additional deferral may be available for a spouse Beneficiary. Additional withdrawals, including full </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">withdrawals, are available. This option may not be available if there are multiple Beneficiaries. See the sub-section below </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">entitled ‘‘Beneficiary IRA’’ for rules and restrictions.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">If the sole primary Beneficiary is a spouse, continuation of the Contract in his or her own name is described previously in this section </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">under ‘‘Death Benefit – Death of Owner During the Accumulation Phase.’’</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Any portion of the death benefit not applied to Option 3 or Option 4 within the time period specified must be distributed within five </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">years of the date of the Owner’s death under Option 1 or Option 2. For Qualified Contracts, distribution under Option 1 or Option 2 </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">must occur by the end of the calendar year that contains the tenth anniversary of your death (fifth anniversary of your death if you do </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">not have a designated Beneficiary as defined for purposes of IRC Section 401(a)(9), including where your Beneficiary is your estate </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">or certain trusts). In addition, if you die after reaching the age at which RMDs must begin, your beneficiary is required to take annual </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">required minimum distributions during the ten year distribution period</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt"> to the extent required by Regulations issued under IRC Section </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">401(a)(9). These requirements apply even if you have restricted the Beneficiary’s death benefit payout option.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">You may restrict a Beneficiary’s right to elect a death benefit payout option. If you do so, such rights or options will not be available to </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">the Beneficiary.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">We may also consent to other death benefit payout options in addition to those described in this section as long as they comply with </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">IRC Section 72(s) or Section 401(a)(9), as applicable.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:13.224pt;;"><b>Lump Sum Payments</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">If a lump sum payment is requested, we will pay the amount within seven calendar days after we receive due proof of death and </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">election of the payment method in Good Order at our Service Center, unless we are required to suspend or delay payment.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:13.224pt;;"><b>Non-Qualified Beneficiary Annuity</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">A Non-Qualified Beneficiary Annuity, also referred to as a ‘‘non-qualified stretch’’ or ‘‘inherited non-qualified annuity,’’ is an annuity </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">contract that is held for the benefit of the Beneficiary of a deceased annuity Owner in order to distribute death proceeds of a </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">non-qualified annuity to the Beneficiary over that Beneficiary’s life expectancy in accordance with the required distribution rules of </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">IRC Section 72(s). See ‘‘Taxes – Taxation of Non-Qualified Contracts – Distributions After Death of Owner’’ for more information.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">If a Beneficiary(ies) elects payment under Option 4 as a Non-Qualified Beneficiary Annuity after the death of the Owner, the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">following rules apply (Note, these restrictions differ from those imposed when a Contract is purchased as a Non-Qualified Beneficiary </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Annuity. See ‘‘Ownership – Non-Qualified Beneficiary Annuity.’’):</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The annuity Contract will be titled in the Beneficiary’s name as Beneficiary of the deceased Owner, and cannot be </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">transferred. The Beneficiary must be the Annuitant, and the Annuitant cannot be changed.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Distributions must begin within one year of the Owner’s death. Required distributions will be calculated based on the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Beneficiary’s life expectancy as determined under the applicable IRS table, and will be withdrawn from each Sub-Account </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">and/or the DCA Fixed Account, if applicable, in the ratio that your value in each bears to your Contract Value.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Distributions required under IRC Section 72(s) must be made at least annually through a SWP that we administer. This SWP </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">cannot be changed or terminated. Distributions made under the SWP will be treated as variable Annuity Payments for </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">income tax purposes. In order to qualify as Annuity Payments for income tax purposes, payments under the SWP will </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">continue to be made even if you take additional withdrawals from the Contract.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Withdrawals will not be subject to a CDSC.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The Beneficiary’s initial Contract Value will be equal to the death benefit that would have been payable to the Beneficiary if </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">a lump sum distribution had been elected.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Additional Purchase Payments cannot be applied to the Contract.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Joint ownership is not allowed.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Upon the death of the Annuitant, any remaining Contract Value will be paid to the succeeding Beneficiary in a lump sum or </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">over the Annuitant’s remaining life expectancy as determined under the applicable IRS table.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">If there is a GMAB on the Contract, it will be terminated.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">This option is not available for a Beneficiary who is a non-natural person.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">A Non-Qualified Beneficiary Annuity may only be established by the Beneficiary of the Owner whose death triggered the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">required distribution requirements of IRC Section 72(s). A Non-Qualified Beneficiary Annuity may not be established as a </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">‘‘second generation’’ Non-Qualified Beneficiary Annuity by a successor Beneficiary.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Beneficiaries should consult a qualified tax adviser for advice prior to establishing a Non-Qualified Beneficiary Annuity.</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:13.224pt;;"><b>Beneficiary IRA</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Beneficiary, Inherited, Legacy or ‘‘Stretch’’ IRAs are all terms used to describe an IRA that is used exclusively to distribute death </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">proceeds of an IRA or other qualified investment to the beneficiary over that beneficiary’s life expectancy in order to meet the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Required Minimum Distribution (RMD) rules. Upon the contract owner’s death under an IRA or other qualified contract, an ‘‘Eligible </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Designated Beneficiary’’ may generally establish a Beneficiary IRA by either purchasing a new annuity contract or, in some </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">circumstances, by electing the Beneficiary IRA payout option under the current contract. Until withdrawn, amounts in a Beneficiary </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">IRA continue to be tax-deferred. Amounts withdrawn each year, including amounts that are required to be withdrawn under the RMD </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">rules, are subject to tax.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">If the contract owner died on or before December 31, 2019 (on or before December 31, 2021 for participants of a governmental plan or </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">a plan maintained pursuant to a collective bargaining agreement), an individual designated beneficiary, and certain trusts as </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">beneficiary, are treated as Eligible Designated Beneficiaries, and can elect to take distributions over their life expectancy (life </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">expectancy of the oldest trust beneficiary).</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">However, if the contract owner dies on or after January 1, 2020 (on or after January 1, 2022 for participants of a governmental plan or </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">a plan maintained pursuant to a collective bargaining agreement), only certain designated beneficiaries are treated as Eligible </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Designated Beneficiaries, and we will only offer the Beneficiary IRA payout option to a designated beneficiary who either (1) is the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">surviving spouse of the deceased qualified plan participant or IRA owner or, (2) is not more than 10 years younger than the deceased </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">qualified plan participant or IRA owner. In the future, we may allow additional classes of Eligible Designated Beneficiaries to elect the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Beneficiary IRA payout option.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">See “Taxes – Required Minimum Distributions for Qualified Contracts” for more information.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:12.024pt;;">Eligibility Requirements/Restrictions:</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">If a Beneficiary(ies) elects payment under Option 4 as a Beneficiary IRA after the death of the Owner, the following rules apply </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;margin-left:0pt;margin-left:0pt;"><i>(Note, </i></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;margin-left:0pt;margin-left:0pt;"><i>these restrictions differ from those imposed when a Contract is purchased as a Beneficiary IRA. See ‘‘Ownership – Beneficiary IRA.’’)</i></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">:</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The annuity contract will be titled in the Beneficiary’s name as Beneficiary for the deceased Owner. The Beneficiary must be </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">the Annuitant, and the Annuitant cannot be changed.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">For non-spousal Beneficiary IRAs, RMDs must begin by December 31st of the year following the year of the date of the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Owner’s death. For spousal Beneficiary IRAs, RMDs may be deferred until the year for which the original Owner would </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">have been required to begin RMDs. The RMD amount will generally be calculated based on the Beneficiary’s life </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">expectancy and will be withdrawn from each Sub-Account and/or the DCA Fixed Account, if applicable, in the ratio that </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">your value in each bears to your Contract Value. If the original Owner died after RMDs were required to begin, and was </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">younger than the Beneficiary, the RMD amount may be calculated based on the original Owner’s life expectancy in the year </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">of his or her death. If there is a Beneficiary IRA previously established with another carrier and an RMD is required in the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">current calendar year, we will process the RMD. If, however, an RMD is not required in the current calendar year, an RMD </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">will not be processed until the year it is required.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">If the original owner died before January 1, 2020 (before January 1, 2022 for participants of a governmental plan or a plan </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">maintained pursuant to a collective bargaining agreement) and the Beneficiary is a trust, a Beneficiary IRA may only be </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">established if the trust qualifies as a ‘‘see-through’’ trust. For see-through trusts, RMDs must be calculated based upon the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">life expectancy of the oldest trust beneficiary and the oldest trust beneficiary must be the Annuitant. In order to be a </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">see-through trust, the trust must be valid under state law and be irrevocable, and all beneficiaries, current and future, must be </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">identifiable from the trust instrument. If any beneficiary of the trust is not an individual, the trust is not a see-through trust </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">and cannot establish a Beneficiary IRA. If the original Owner died after December 31, 2019 (after December 31, 2021 for </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">participants of a governmental plan or a plan maintained pursuant to a collective bargaining agreement), we will not offer a </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Beneficiary IRA to a trust.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">RMDs must be made at least annually through a SWP that we administer. This SWP cannot be terminated.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Withdrawals will not be subject to a CDSC.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The Beneficiary’s initial Contract Value will be equal to the death benefit that would have been payable to the Beneficiary if </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">a lump sum distribution had been elected.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Additional contributions cannot be applied to the Contract.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Upon the death of the Annuitant, any remaining Contract Value will be paid to the succeeding Beneficiary in a lump sum or </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">over the Annuitant’s remaining life expectancy as determined by the applicable IRS table, but in no case may payments </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">extend beyond the end of the calendar year that contains the tenth anniversary of the Annuitant’s death.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">If there is a GMAB on the Contract, it will be terminated.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">A Beneficiary IRA may only be established by the Beneficiary of the IRA owner/qualified plan participant whose death </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">triggered the RMD requirements of IRC Section 401(a)(9). A Beneficiary IRA may not be established as a ‘‘second </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">generation’’ Beneficiary IRA by a successor Beneficiary.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Joint ownership of a Beneficiary IRA is not allowed. Beneficiaries should consult a qualified tax adviser for advice prior to </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">establishing a Beneficiary IRA.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Beneficiaries should consult a qualified tax adviser for advice prior to establishing a Beneficiary IRA.</b></span>
<span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:16.836pt;;"><b>Death of Owner During the Annuity Phase</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Upon any Owner’s death during the Annuity Phase, if the Annuitant is still alive, the surviving Owner will retain the ownership of the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Contract. If there is no surviving Owner, the Beneficiary will become the Owner. Any remaining Annuity Payments under the Annuity </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Option elected will continue to be paid at least as rapidly as under the method of distribution in effect at such Owner’s death. For </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Qualified Contracts, the Beneficiary(ies) may be required to receive an adjusted payment stream in order to comply with RMD rules </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">that apply upon the Owner/Annuitant’s death. If the Beneficiary is not an “Eligible Designated Beneficiary” as defined by IRC Section </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">401(a)(9), Annuity Payments may only continue through the end of the calendar year that contains the tenth anniversary of the Owner/</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Annuitant’s death, even if a longer Annuity Payment option was elected, including a Joint and Last Survivor Annuity Option where the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Joint Annuitant is still living.</span>
<span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:16.836pt;;"><b>Death of Annuitant</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">If an Annuitant, who is not the Owner or Joint Owner, dies during the Accumulation Phase, you can name a new Annuitant subject to </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">our approval. If there is no surviving Annuitant and you do not name an Annuitant within 30 calendar days after we receive </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">notification of the death of the Annuitant, the oldest Owner will become the Annuitant. If the Owner is a non-natural person and an </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Annuitant dies, you may not name a new Annuitant. In this case we will treat the death of the Annuitant as the death of the Owner and </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">pay the death benefit as described in ‘‘Death Benefit – Death of Owner During the Accumulation Phase.’’</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Upon the death of the last surviving Annuitant on or after the Annuity Date, the death benefit, if any, is as specified in the Annuity </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Option elected. Upon the death of the last surviving Annuitant during the Annuity Phase, any remaining payment under the elected </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Annuity Option will be paid to the Beneficiary. For Qualified Contracts, the Beneficiary(ies) may be required to receive an adjusted </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">payment stream in order to comply with RMD rules that apply upon the Owner/Annuitant’s death. If the Beneficiary is not an </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">‘‘Eligible Designated Beneficiary’’ as defined by IRC Section 401(a)(9), Annuity Payments may only continue through the end of the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">calendar year that contains the tenth anniversary of the Owner/Annuitant’s death, even if a longer Annuity Payment option was </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">elected, including a Joint and Last Survivor Annuity Option where the Joint Annuitant is still living. We will treat a surviving Owner </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">as the primary Beneficiary and treat any other Beneficiary designation on record at the time of death as a contingent Beneficiary.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:13.224pt;;"><b>Death Benefit and Partial Annuitizations</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">If you apply a portion of your Non-Qualified Contract Value to an Annuity Option, the death benefit for that portion will be </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">determined in accordance with ‘‘Death Benefit – Death of Owner During the Annuity Phase’’ and ‘‘Death Benefit – Death of </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Annuitant.’’ The death benefit for the portion of the Contract Value remaining in the Accumulation Phase will be determined in </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">accordance with ‘‘Death Benefit – Death of Owner During the Accumulation Phase’’ and ‘‘Death Benefit – Death of Annuitant.’’</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:13.224pt;;"><b>Due Proof of Death</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">For purposes of determining due proof of death, we require:</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">a certified death certificate; or</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">a certified decree of a court of competent jurisdiction as to the finding of death; or</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">any other proof satisfactory to us.</span>
<span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:16.836pt;;"><b>Terminal Illness Withdrawal Benefit</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">With this benefit, you may withdraw all or a portion of your Contract Value without incurring a CDSC if we receive a Written Request </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">in Good Order at our Service Center that you (or an Annuitant, if the Owner is a non-natural person) have met the following </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">conditions:</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">For purposes of this benefit, you (or an Annuitant, if the Owner is a non-natural person) were not diagnosed with a terminal </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">illness or a terminal condition resulting from bodily injury or disease or both as of the Issue Date.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Each withdrawal request is made on or after the ‘‘Eligibility Date for Waiver of Contingent Deferred Sales Charge,’’ which is </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">one year after the Issue Date.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">We will require proof that you (or an Annuitant, if the Owner is a non-natural person) are terminally ill, as described above, </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">and not expected to live more than 12 months. This proof will include, but is not limited to, certification by a state licensed </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">medical practitioner performing within the scope of his/her license. The state licensed medical practitioner must not be you </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">or your parent, sibling, spouse or child (or an Annuitant or an Annuitant’s parent, sibling, spouse or child if the Owner is a </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">non-natural person).</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">If we determine that your Written Request for a withdrawal free of CDSC does not meet the qualifying conditions, we will provide a </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Written Notice of such determination. We will not proceed with your Written Request for a withdrawal until we receive notification </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">from you that you accept or reject the withdrawal including the CDSC assessed. If you do not accept the withdrawal including the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">CDSC, the withdrawal request will not be processed. If you do accept the withdrawal including the CDSC, we will process it on the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Business Day you notify us of your acceptance.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">There is no charge for the Terminal Illness Withdrawal Benefit. The Terminal Illness Withdrawal Benefit may not be available in all </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">states. See ‘‘Appendix H – State Variations of Certain Contract Features.’’ Please contact your registered representative or call the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Service Center for more information.</span>
<span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:16.836pt;;"><b>Nursing Home and Hospital Withdrawal Benefit</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">With this benefit, you may withdraw all or a portion of your Contract Value without incurring a CDSC if we receive a Written Request </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">in Good Order at our Service Center that you (or an Annuitant, if the Owner is a non-natural person) have been admitted to a licensed </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">nursing care facility or accredited hospital or its successor, subject to the following requirements:</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">For purposes of this benefit, you (or the Annuitant, if the Owner is a non-natural person) are not confined in a licensed </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">nursing care facility or accredited hospital or its successor on the Issue Date.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Each withdrawal request is made on or after the “Eligibility Date for Waiver of Contingent Deferred Sales Charge,” which is </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">one year after the Issue Date.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Each withdrawal request is made within 120 calendar days after services were provided to you (or the Annuitant, if the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Owner is a non-natural person). You must have been confined at a licensed nursing care facility and/or accredited hospital or </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">its successor for a consecutive period of at least 90 consecutive calendar days.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The confinement must be prescribed by a state licensed medical practitioner performing within the scope of his/her license.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Each withdrawal is accompanied by proof satisfactory to us that you (or the Annuitant, if the Owner is a non-natural person) </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">meet the qualifying conditions above.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">You may not participate in the Systematic Withdrawal Program if we are currently waiving the CDSC in accordance with this benefit.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">A licensed nursing care facility is an institution licensed by the state in which it is located to provide skilled nursing care, intermediate </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">nursing care, or custodial nursing care. An accredited hospital is a hospital licensed, or recognized as a general hospital, by the state in </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">which it is located or by the Joint Commission on the Accreditation of Hospitals, or its successors.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">If we determine that your Written Request for a withdrawal free of CDSC does not meet the qualifying conditions, we will provide a </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Written Notice of such determination. We will not proceed with your Written Request for a withdrawal until we receive notification </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">from you that you accept or reject the withdrawal including the CDSC assessed. If you do not accept the withdrawal including the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">CDSC, the withdrawal request will not be processed. If you do accept the withdrawal including the CDSC, we will process it on the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Business Day you notify us of your acceptance.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">There is no charge for the Nursing Home and Hospital Withdrawal Benefit. The Nursing Home and Hospital Withdrawal Benefit may </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">not be available in all states. See “Appendix H – State Variations of Certain Contract Features.” Please contact your registered </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">representative or call the Service Center for more information.</span>
<span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The following is a list of Funds currently available under the Contract. The list of Funds is subject to change, as discussed in the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">prospectus for the Contract. While the GMAB is in effect, the Funds available to you are restricted. See “Appendix B – Funds </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Available When the GMAB is in Effect” for information regarding the allocation restrictions associated with participation in </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Guaranteed Minimum Accumulation Benefit (GMAB). Before you invest, you should review the prospectuses for the Funds. These </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">prospectuses contain more information about the Funds and their risks and may be amended from time to time. You can find the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">prospectuses and other information about the Funds online at www.MassMutual.com/Transitions-Select-II. You can also request this </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">information at no cost by calling (866) 645-2362 or sending an email request to MassMutual.services@zinnia.com.</span>
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<div style="background-color:#A5A5A5;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.02pt"><b>Fund and Adviser/Sub-Adviser</b></span></div>
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<td colspan="1" rowspan="2" style="background-color:#A5A5A5;;padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom">
<div style="background-color:#A5A5A5;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.02pt"><b>Current </b></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.02pt"><b>Expenses </b></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.02pt"><b>(expenses/ </b></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.02pt"><b>average assets)</b></span></div>
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<div style="background-color:#A5A5A5;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.02pt"><b>Average Annual Total Returns</b></span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.02pt"><b>(as of 12/31/2025)</b></span></div>
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<div style="background-color:#A5A5A5;padding-left:2pt;padding-top:2pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.02pt"><b>1 Year</b></span></div>
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<div style="background-color:#A5A5A5;padding-left:2pt;padding-top:2pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.02pt"><b>5 Year</b></span></div>
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<div style="background-color:#A5A5A5;padding-left:2pt;padding-top:2pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.02pt"><b>10 Year</b></span></div>
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<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:2pt;padding-top:3pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Asset Allocation</span></span>
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<div style="background-color:#FFFFFF;padding-left:2pt;padding-top:3pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">MML VIP Aggressive Allocation Fund (Service Class)</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 6.5pt"><sup>(1)</sup></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 6.5pt"><sup>(2)</sup></span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"><b><i>Adviser: </i></b></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">MML Investment Advisers, LLC</span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"><b><i>Sub-Adviser: </i></b></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">N/A</span>
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<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">1.23</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
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<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">13.91</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">8.11</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">9.26</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
</tr>
<tr>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:2pt;padding-top:3pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Asset Allocation</span></span>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:2pt;padding-top:3pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">MML VIP American Funds 65/35 Allocation Fund</span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">(Service Class I)</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 6.5pt"><sup>(1)</sup></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 6.5pt"><sup>(3)</sup></span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"><b><i>Adviser: </i></b></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">MML Investment Advisers, LLC</span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"><b><i>Sub-Adviser: </i></b></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">N/A</span>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">1.02</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">14.54</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">7.37</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">8.39</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
</tr>
<tr>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:2pt;padding-top:3pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Asset Allocation</span></span>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:2pt;padding-top:3pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">MML VIP Balanced Allocation Fund (Service Class)</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 6.5pt"><sup>(1)</sup></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 6.5pt"><sup>(4)</sup></span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"><b><i>Adviser: </i></b></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">MML Investment Advisers, LLC</span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"><b><i>Sub-Adviser: </i></b></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">N/A</span>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">1.11</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">10.80</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">4.49</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">6.06</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
</tr>
<tr>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:2pt;padding-top:3pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Asset Allocation</span></span>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:2pt;padding-top:3pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">MML VIP Conservative Allocation Fund (Service Class)</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 6.5pt"><sup>(1)</sup></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 6.5pt"><sup>(5)</sup></span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"><b><i>Adviser: </i></b></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">MML Investment Advisers, LLC</span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"><b><i>Sub-Adviser: </i></b></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">N/A</span>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">1.08</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">9.98</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">3.73</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">5.33</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
</tr>
<tr>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:2pt;padding-top:3pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Asset Allocation</span></span>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:2pt;padding-top:3pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">MML VIP Growth Allocation Fund (Service Class)</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 6.5pt"><sup>(1)</sup></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 6.5pt"><sup>(6)</sup></span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"><b><i>Adviser: </i></b></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">MML Investment Advisers, LLC</span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"><b><i>Sub-Adviser: </i></b></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">N/A</span>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">1.15</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">12.60</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">6.78</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">8.10</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
</tr>
<tr>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:2pt;padding-top:3pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Asset Allocation</span></span>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:2pt;padding-top:3pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">MML VIP Moderate Allocation Fund (Service Class)</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 6.5pt"><sup>(1)</sup></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 6.5pt"><sup>(7)</sup></span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"><b><i>Adviser: </i></b></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">MML Investment Advisers, LLC</span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"><b><i>Sub-Adviser: </i></b></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">N/A</span>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">1.12</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">11.57</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">5.46</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">6.81</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
</tr>
<tr>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:2pt;padding-top:3pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Money Market</span></span>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:2pt;padding-top:3pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">MML VIP Barings U.S. Government Money Market Fund</span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">(Initial Class)</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 6.5pt"><sup>(8)</sup></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 6.5pt"><sup>(9)</sup></span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"><b><i>Adviser: </i></b></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">MML Investment Advisers, LLC</span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"><b><i>Sub-Adviser: </i></b></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Barings LLC</span>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">0.52</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">3.80</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">2.87</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">1.80</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
</tr>
<tr>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:2pt;padding-top:3pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Fixed Income</span></span>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:2pt;padding-top:3pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Invesco V.I. Global Strategic Income Fund (Series II)</span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"><b><i>Adviser: </i></b></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Invesco Advisers, Inc.</span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"><b><i>Sub-Adviser: </i></b></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">N/A</span>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">1.20</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 6.5pt"><sup>(*)</sup></span>
</div>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">12.75</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">1.39</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">2.76</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
</tr>
<tr>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:2pt;padding-top:3pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Fixed Income</span></span>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:2pt;padding-top:3pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">MML VIP Barings Core Bond Fund (Service Class)</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 6.5pt"><sup>(10)</sup></span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"><b><i>Adviser: </i></b></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">MML Investment Advisers, LLC</span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"><b><i>Sub-Adviser: </i></b></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Barings LLC</span>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">0.70</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">7.59</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">0.23</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">2.38</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
</tr>
</table></div><div>
<table cellpadding="0" cellspacing="0" style="width:100%;cellspacing:0;border-top:1.5pt solid #000000;border-left:1.5pt solid #000000;
border-right:1.5pt solid #000000;border-bottom:1.5pt solid #000000;margin-top:5pt;">
<tr style="height:1px;">
<td style="height:1px;background-color:#A5A5A5;;width:18.05909510618652%"></td>
<td style="height:1px;background-color:#A5A5A5;;width:46.21421975992613%"></td>
<td style="height:1px;background-color:#A5A5A5;;width:10.380424746075716%"></td>
<td style="height:1px;background-color:#A5A5A5;;width:8.184672206832872%"></td>
<td style="height:1px;background-color:#A5A5A5;;width:8.184672206832872%"></td>
<td style="height:1px;background-color:#A5A5A5;;width:8.975069252077562%"></td>
</tr>
<tr>
<td colspan="1" rowspan="2" style="background-color:#A5A5A5;;padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom">
<div style="background-color:#A5A5A5;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.02pt"><b>Fund Type</b></span></span>
</div>
</td>
<td colspan="1" rowspan="2" style="background-color:#A5A5A5;;padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom">
<div style="background-color:#A5A5A5;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.02pt"><b>Fund and Adviser/Sub-Adviser</b></span></div>
</td>
<td colspan="1" rowspan="2" style="background-color:#A5A5A5;;padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom">
<div style="background-color:#A5A5A5;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.02pt"><b>Current </b></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.02pt"><b>Expenses </b></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.02pt"><b>(expenses/ </b></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.02pt"><b>average assets)</b></span></div>
</td>
<td colspan="3" style="background-color:#A5A5A5;;padding-bottom:2pt;border-bottom:1pt solid #000000;vertical-align:bottom">
<div style="background-color:#A5A5A5;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.02pt"><b>Average Annual Total Returns</b></span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.02pt"><b>(as of 12/31/2025)</b></span></div>
</td>
</tr>
<tr>
<td colspan="1" style="background-color:#A5A5A5;;padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom">
<div style="background-color:#A5A5A5;padding-left:2pt;padding-top:2pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.02pt"><b>1 Year</b></span></div>
</td>
<td colspan="1" style="background-color:#A5A5A5;;padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom">
<div style="background-color:#A5A5A5;padding-left:2pt;padding-top:2pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.02pt"><b>5 Year</b></span></div>
</td>
<td colspan="1" style="background-color:#A5A5A5;;padding-bottom:2pt;border-bottom:1pt solid #000000;vertical-align:bottom">
<div style="background-color:#A5A5A5;padding-left:2pt;padding-top:2pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.02pt"><b>10 Year </b></span></div>
</td>
</tr>
<tr>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:2pt;padding-top:3pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Fixed Income</span></span>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:2pt;padding-top:3pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">MML VIP Barings Inflation-Protected and Income Fund</span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">(Service Class)</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 6.5pt"><sup>(11)</sup></span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"><b><i>Adviser: </i></b></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">MML Investment Advisers, LLC</span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"><b><i>Sub-Adviser: </i></b></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Barings LLC</span>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">0.90</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">5.57</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">0.85</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">2.89</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
</tr>
<tr>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:2pt;padding-top:3pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Fixed Income</span></span>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:2pt;padding-top:3pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">MML VIP Barings Short-Duration Bond Fund (Service Class I)</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 6.5pt"><sup>(12)</sup></span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"><b><i>Adviser: </i></b></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">MML Investment Advisers, LLC</span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"><b><i>Sub-Adviser: </i></b></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Barings LLC</span>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">0.84</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">5.76</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">2.30</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">2.31</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
</tr>
<tr>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:2pt;padding-top:3pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Fixed Income</span></span>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:2pt;padding-top:3pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">MML VIP Fidelity Institutional AM</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 6.5pt"><sup>®</sup></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"> Core Plus Bond Fund</span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">(Service Class I)</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 6.5pt"><sup>(13)</sup></span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"><b><i>Adviser: </i></b></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">MML Investment Advisers, LLC</span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"><b><i>Sub-Adviser: </i></b></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">FIAM LLC</span>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">0.86</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">7.03</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">-1.10</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">1.58</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
</tr>
<tr>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:2pt;padding-top:3pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Balanced</span></span>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:2pt;padding-top:3pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">MML VIP BlackRock</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 6.5pt"><sup>®</sup></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"> Balanced Fund (Service Class)</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 6.5pt"><sup>(1)</sup></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 6.5pt"><sup>(14)</sup></span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"><b><i>Adviser: </i></b></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">MML Investment Advisers, LLC</span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"><b><i>Sub-Adviser: </i></b></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">BlackRock Investment Management, LLC</span>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">0.76</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">12.56</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">7.59</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">8.93</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
</tr>
<tr>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:2pt;padding-top:3pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Large Cap Value</span></span>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:2pt;padding-top:3pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">MML Income & Growth Fund (Service Class)</span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"><b><i>Adviser: </i></b></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">MML Investment Advisers, LLC</span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"><b><i>Sub-Adviser: </i></b></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Barrow, Hanley, Mewhinney & Strauss, LLC</span>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">0.97</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">13.11</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">12.07</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">10.45</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
</tr>
<tr>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:2pt;padding-top:3pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Large Cap Value</span></span>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:2pt;padding-top:3pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">MML VIP Franklin Templeton Equity Fund (Service Class)</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 6.5pt"><sup>(15)</sup></span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"><b><i>Adviser: </i></b></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">MML Investment Advisers, LLC</span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"><b><i>Sub-Adviser: </i></b></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Brandywine Global Investment Management, LLC</span>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">0.69</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">17.20</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">13.47</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">10.96</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
</tr>
<tr>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:2pt;padding-top:3pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Large Cap Value</span></span>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:2pt;padding-top:3pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">MML VIP T. Rowe Price Equity Income Fund (Service Class)</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 6.5pt"><sup>(16)</sup></span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"><b><i>Adviser: </i></b></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">MML Investment Advisers, LLC</span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"><b><i>Sub-Adviser: </i></b></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">T. Rowe Price Associates, Inc.</span>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">1.04</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">14.10</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">10.83</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">10.24</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
</tr>
<tr>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:2pt;padding-top:3pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Large Cap Blend</span></span>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:2pt;padding-top:3pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Fidelity</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 6.5pt"><sup>®</sup></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"> VIP Contrafund</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 6.5pt"><sup>®</sup></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"> Portfolio (Service Class 2)</span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"><b><i>Adviser: </i></b></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Fidelity Management & Research Company LLC</span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"><b><i>Sub-Advisers: </i></b></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">FMR Investment Management (UK) Limited, Fidelity </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Management & Research (Hong Kong) Limited, and Fidelity </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Management & Research (Japan) Limited</span>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">0.79</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">21.19</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">15.08</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">15.48</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
</tr>
<tr>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:2pt;padding-top:3pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Large Cap Blend</span></span>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:2pt;padding-top:3pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">MML Focused Equity Fund (Service Class I)</span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"><b><i>Adviser: </i></b></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">MML Investment Advisers, LLC</span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"><b><i>Sub-Adviser: </i></b></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Wellington Management Company LLP</span>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">1.15</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">7.75</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">8.48</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">12.23</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
</tr>
<tr>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:2pt;padding-top:3pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Large Cap Blend</span></span>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:2pt;padding-top:3pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">MML Sustainable Equity Fund (Service Class)</span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"><b>Adviser: </b></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">MML Investment Advisers, LLC</span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"><b>Sub-Adviser: </b></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">American Century Investment Management, Inc.</span>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">0.81</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">11.32</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">11.66</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">12.71</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
</tr>
<tr>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:2pt;padding-top:3pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Large Cap Blend</span></span>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:2pt;padding-top:3pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">MML VIP Invesco Main Street Equity Fund (Service Class I)</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 6.5pt"><sup>(17)</sup></span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"><b><i>Adviser: </i></b></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">MML Investment Advisers, LLC</span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"><b><i>Sub-Adviser: </i></b></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Invesco Advisers, Inc.</span>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">1.05</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">15.90</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">12.21</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">14.17</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
</tr>
<tr>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:2pt;padding-top:3pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Large Cap Blend</span></span>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:2pt;padding-top:3pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">MML VIP JPMorgan U.S. Research Enhanced Equity Fund</span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">(Service Class)</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 6.5pt"><sup>(18)</sup></span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"><b><i>Adviser: </i></b></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">MML Investment Advisers, LLC</span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"><b><i>Sub-Adviser: </i></b></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">J.P. Morgan Investment Management Inc.</span>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">1.02</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">10.32</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">6.79</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">5.84</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
</tr>
<tr>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:2pt;padding-top:3pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Large Cap Growth</span></span>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:2pt;padding-top:3pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">MML VIP American Funds Growth Fund (Service Class I)</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 6.5pt"><sup>(19)</sup></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 6.5pt"><sup>(20)</sup></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 6.5pt"><sup>(21)</sup></span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"><b><i>Adviser: </i></b></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">MML Investment Advisers, LLC</span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"><b><i>Sub-Adviser: </i></b></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">N/A</span>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">1.02</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">19.66</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">12.89</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">17.47</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
</tr>
<tr>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:2pt;padding-top:3pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Large Cap Growth</span></span>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:2pt;padding-top:3pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">MML VIP Loomis Sayles Large Cap Growth Fund</span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">(Service Class)</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 6.5pt"><sup>(22)</sup></span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"><b><i>Adviser: </i></b></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">MML Investment Advisers, LLC</span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"><b><i>Sub-Adviser: </i></b></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Loomis, Sayles & Company, L.P.</span>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">0.95</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">14.74</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">14.67</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">16.05</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
</tr>
</table></div><div>
<table cellpadding="0" cellspacing="0" style="width:100%;cellspacing:0;border-top:1.5pt solid #000000;border-left:1.5pt solid #000000;
border-right:1.5pt solid #000000;border-bottom:1.5pt solid #000000;margin-top:5pt;">
<tr style="height:1px;">
<td style="height:1px;background-color:#A5A5A5;;width:18.05909510618652%"></td>
<td style="height:1px;background-color:#A5A5A5;;width:46.21421975992613%"></td>
<td style="height:1px;background-color:#A5A5A5;;width:10.380424746075716%"></td>
<td style="height:1px;background-color:#A5A5A5;;width:8.184672206832872%"></td>
<td style="height:1px;background-color:#A5A5A5;;width:8.184672206832872%"></td>
<td style="height:1px;background-color:#A5A5A5;;width:8.975069252077562%"></td>
</tr>
<tr>
<td colspan="1" rowspan="2" style="background-color:#A5A5A5;;padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom">
<div style="background-color:#A5A5A5;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.02pt"><b>Fund Type</b></span></span>
</div>
</td>
<td colspan="1" rowspan="2" style="background-color:#A5A5A5;;padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom">
<div style="background-color:#A5A5A5;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.02pt"><b>Fund and Adviser/Sub-Adviser</b></span></div>
</td>
<td colspan="1" rowspan="2" style="background-color:#A5A5A5;;padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom">
<div style="background-color:#A5A5A5;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.02pt"><b>Current </b></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.02pt"><b>Expenses </b></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.02pt"><b>(expenses/ </b></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.02pt"><b>average assets)</b></span></div>
</td>
<td colspan="3" style="background-color:#A5A5A5;;padding-bottom:2pt;border-bottom:1pt solid #000000;vertical-align:bottom">
<div style="background-color:#A5A5A5;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.02pt"><b>Average Annual Total Returns</b></span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.02pt"><b>(as of 12/31/2025)</b></span></div>
</td>
</tr>
<tr>
<td colspan="1" style="background-color:#A5A5A5;;padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom">
<div style="background-color:#A5A5A5;padding-left:2pt;padding-top:2pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.02pt"><b>1 Year</b></span></div>
</td>
<td colspan="1" style="background-color:#A5A5A5;;padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom">
<div style="background-color:#A5A5A5;padding-left:2pt;padding-top:2pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.02pt"><b>5 Year</b></span></div>
</td>
<td colspan="1" style="background-color:#A5A5A5;;padding-bottom:2pt;border-bottom:1pt solid #000000;vertical-align:bottom">
<div style="background-color:#A5A5A5;padding-left:2pt;padding-top:2pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.02pt"><b>10 Year </b></span></div>
</td>
</tr>
<tr>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:2pt;padding-top:3pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Large Cap Growth</span></span>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:2pt;padding-top:3pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">MML VIP T. Rowe Price Blue Chip Growth Fund (Service Class)</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 6.5pt"><sup>(23)</sup></span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"><b><i>Adviser: </i></b></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">MML Investment Advisers, LLC</span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"><b><i>Sub-Adviser: </i></b></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">T. Rowe Price Associates, Inc.</span>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">1.03</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">18.19</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">10.81</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">14.97</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
</tr>
<tr>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:2pt;padding-top:3pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Small/Mid-Cap Value</span></span>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:2pt;padding-top:3pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">MML Small/Mid Cap Value Fund (Service Class)</span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"><b><i>Adviser: </i></b></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">MML Investment Advisers, LLC</span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"><b><i>Sub-Adviser: </i></b></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">AllianceBernstein L.P.</span>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">1.07</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">2.17</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">8.41</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">8.42</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
</tr>
<tr>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:2pt;padding-top:3pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Small/Mid-Cap Value</span></span>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:2pt;padding-top:3pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">MML VIP American Century Mid Cap Value Fund (Service Class)</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 6.5pt"><sup>(24)</sup></span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"><b>Adviser: </b></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">MML Investment Advisers, LLC</span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"><b>Sub-Adviser: </b></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">American Century Investment Management, Inc.</span>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">1.14</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">8.62</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">8.51</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">8.86</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
</tr>
<tr>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:2pt;padding-top:3pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Small/Mid-Cap Value</span></span>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:2pt;padding-top:3pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">MML VIP American Century Small Company Value Fund</span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">(Service Class I)</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 6.5pt"><sup>(25)</sup></span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"><b>Adviser: </b></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">MML Investment Advisers, LLC</span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"><b>Sub-Adviser: </b></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">American Century Investment Management, Inc.</span>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">1.24</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 6.5pt"><sup>(*)</sup></span>
</div>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">-3.60</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">4.90</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">8.28</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
</tr>
<tr>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:2pt;padding-top:3pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Small/Mid-Cap Blend</span></span>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:2pt;padding-top:3pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">MML VIP Invesco Small Cap Equity Fund (Service Class)</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 6.5pt"><sup>(26)</sup></span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"><b><i>Adviser: </i></b></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">MML Investment Advisers, LLC</span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"><b><i>Sub-Adviser: </i></b></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Invesco Advisers, Inc.</span>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">0.96</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">8.59</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">8.11</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">10.46</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
</tr>
<tr>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:2pt;padding-top:3pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Small/Mid-Cap Growth</span></span>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:2pt;padding-top:3pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">MML VIP Invesco Discovery Mid Cap Fund (Service Class I)</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 6.5pt"><sup>(27)</sup></span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"><b><i>Adviser: </i></b></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">MML Investment Advisers, LLC</span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"><b>Sub-Adviser: </b></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Invesco Advisers, Inc.</span>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">1.10</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 6.5pt"><sup>(*)</sup></span>
</div>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:2pt;padding-top:3pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">—</span></div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:2pt;padding-top:3pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">—</span></div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:2pt;padding-top:3pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">—</span></div>
</td>
</tr>
<tr>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:2pt;padding-top:3pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Small/Mid-Cap Growth</span></span>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:2pt;padding-top:3pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">MML VIP T. Rowe Price Mid Cap Growth Fund (Service Class)</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 6.5pt"><sup>(28)</sup></span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"><b><i>Adviser: </i></b></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">MML Investment Advisers, LLC</span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"><b><i>Sub-Adviser: </i></b></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">T. Rowe Price Associates, Inc.</span>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">1.07</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">4.10</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">3.56</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">9.66</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
</tr>
<tr>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:2pt;padding-top:3pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Small/Mid-Cap Growth</span></span>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:2pt;padding-top:3pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">MML VIP Wellington Small Cap Growth Equity Fund</span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">(Service Class)</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 6.5pt"><sup>(29)</sup></span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"><b><i>Adviser: </i></b></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">MML Investment Advisers, LLC</span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"><b><i>Sub-Adviser: </i></b></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Wellington Management Company LLP</span>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">1.30</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 6.5pt"><sup>(*)</sup></span>
</div>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">7.07</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">2.41</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">10.32</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
</tr>
<tr>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:2pt;padding-top:3pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">International/Global</span></span>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:2pt;padding-top:3pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Invesco V.I. International Growth Fund (Series II)</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 6.5pt"><sup>(30)</sup></span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"><b><i>Adviser: </i></b></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Invesco Advisers, Inc.</span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"><b><i>Sub-Adviser: </i></b></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">N/A</span>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">1.25</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 6.5pt"><sup>(*)</sup></span>
</div>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">15.53</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">1.88</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">5.34</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
</tr>
<tr>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:2pt;padding-top:3pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">International/Global</span></span>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:2pt;padding-top:3pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">MML Foreign Fund (Service Class)</span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"><b><i>Adviser: </i></b></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">MML Investment Advisers, LLC</span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"><b><i>Sub-Adviser: </i></b></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Thompson, Siegel and Walmsley LLC</span>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">1.17</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">32.36</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">8.76</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">6.46</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
</tr>
<tr>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:2pt;padding-top:3pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">International/Global</span></span>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:2pt;padding-top:3pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">MML VIP Invesco Global Fund (Service Class I)</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 6.5pt"><sup>(31)</sup></span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"><b><i>Adviser: </i></b></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">MML Investment Advisers, LLC</span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"><b><i>Sub-Adviser: </i></b></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Invesco Advisers, Inc.</span>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">1.06</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">22.69</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">7.24</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">9.68</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
</tr>
<tr>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:2pt;padding-top:3pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">International/Global</span></span>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:2pt;padding-top:3pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">MML VIP MFS International Equity Fund (Service Class I)</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 6.5pt"><sup>(32)</sup></span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"><b><i>Adviser: </i></b></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">MML Investment Advisers, LLC</span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"><b><i>Sub-Adviser: </i></b></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Massachusetts Financial Services Company</span>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">1.18</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 6.5pt"><sup>(*)</sup></span>
</div>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">25.20</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">7.07</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">6.97</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
</tr>
<tr>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:2pt;padding-top:3pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Specialty </span></span><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 6.5pt"><sup>(33)</sup></span></span>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:2pt;padding-top:3pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Nomura VIP Asset Strategy Series (Service Class)</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 6.5pt"><sup>(34)</sup></span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"><b><i>Adviser: </i></b></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Delaware Management Company</span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"><b><i>Sub-Advisers: </i></b></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Nomura Investment Management Austria </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Kapitalanlage AG and Macquarie Investment Management Global </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Limited</span>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">0.77</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 6.5pt"><sup>(*)</sup></span>
</div>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">16.66</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">7.07</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">7.84</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
</tr>
</table></div>
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">MML VIP Aggressive Allocation Fund (Service Class)</span>
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">MML Investment Advisers, LLC</span>
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">N/A</span>
0.0123
0.1391
0.0811
0.0926
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">MML VIP American Funds 65/35 Allocation Fund</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">(Service Class I)</span>
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">MML Investment Advisers, LLC</span>
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">N/A</span>
0.0102
0.1454
0.0737
0.0839
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">MML VIP Balanced Allocation Fund (Service Class)</span>
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">MML Investment Advisers, LLC</span>
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">N/A</span>
0.0111
0.108
0.0449
0.0606
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">MML VIP Conservative Allocation Fund (Service Class)</span>
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">MML Investment Advisers, LLC</span>
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">N/A</span>
0.0108
0.0998
0.0373
0.0533
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">MML VIP Growth Allocation Fund (Service Class)</span>
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">MML Investment Advisers, LLC</span>
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">N/A</span>
0.0115
0.126
0.0678
0.081
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">MML VIP Moderate Allocation Fund (Service Class)</span>
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">MML Investment Advisers, LLC</span>
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">N/A</span>
0.0112
0.1157
0.0546
0.0681
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">MML VIP Barings U.S. Government Money Market Fund</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">(Initial Class)</span>
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">MML Investment Advisers, LLC</span>
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Barings LLC</span>
0.0052
0.038
0.0287
0.018
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Invesco V.I. Global Strategic Income Fund (Series II)</span>
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Invesco Advisers, Inc.</span>
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">N/A</span>
0.012
0.1275
0.0139
0.0276
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">MML VIP Barings Core Bond Fund (Service Class)</span>
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">MML Investment Advisers, LLC</span>
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Barings LLC</span>
0.007
0.0759
0.0023
0.0238
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">MML VIP Barings Inflation-Protected and Income Fund</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">(Service Class)</span>
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">MML Investment Advisers, LLC</span>
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Barings LLC</span>
0.009
0.0557
0.0085
0.0289
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">MML VIP Barings Short-Duration Bond Fund (Service Class I)</span>
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">MML Investment Advisers, LLC</span>
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Barings LLC</span>
0.0084
0.0576
0.023
0.0231
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">MML VIP Fidelity Institutional AM</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 6.5pt"><sup>®</sup></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"> Core Plus Bond Fund</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">(Service Class I)</span>
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">MML Investment Advisers, LLC</span>
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">FIAM LLC</span>
0.0086
0.0703
-0.011
0.0158
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">MML VIP BlackRock</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 6.5pt"><sup>®</sup></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"> Balanced Fund (Service Class)</span>
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">MML Investment Advisers, LLC</span>
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">BlackRock Investment Management, LLC</span>
0.0076
0.1256
0.0759
0.0893
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">MML Income & Growth Fund (Service Class)</span>
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">MML Investment Advisers, LLC</span>
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Barrow, Hanley, Mewhinney & Strauss, LLC</span>
0.0097
0.1311
0.1207
0.1045
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">MML VIP Franklin Templeton Equity Fund (Service Class)</span>
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">MML Investment Advisers, LLC</span>
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Brandywine Global Investment Management, LLC</span>
0.0069
0.172
0.1347
0.1096
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">MML VIP T. Rowe Price Equity Income Fund (Service Class)</span>
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">MML Investment Advisers, LLC</span>
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">T. Rowe Price Associates, Inc.</span>
0.0104
0.141
0.1083
0.1024
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Fidelity</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 6.5pt"><sup>®</sup></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"> VIP Contrafund</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 6.5pt"><sup>®</sup></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"> Portfolio (Service Class 2)</span>
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Fidelity Management & Research Company LLC</span>
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">FMR Investment Management (UK) Limited, Fidelity </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Management & Research (Hong Kong) Limited, and Fidelity </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Management & Research (Japan) Limited</span>
0.0079
0.2119
0.1508
0.1548
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">MML Focused Equity Fund (Service Class I)</span>
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">MML Investment Advisers, LLC</span>
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Wellington Management Company LLP</span>
0.0115
0.0775
0.0848
0.1223
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">MML Sustainable Equity Fund (Service Class)</span>
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">MML Investment Advisers, LLC</span>
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">American Century Investment Management, Inc.</span>
0.0081
0.1132
0.1166
0.1271
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">MML VIP Invesco Main Street Equity Fund (Service Class I)</span>
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">MML Investment Advisers, LLC</span>
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Invesco Advisers, Inc.</span>
0.0105
0.159
0.1221
0.1417
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">MML VIP JPMorgan U.S. Research Enhanced Equity Fund</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">(Service Class)</span>
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">MML Investment Advisers, LLC</span>
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">J.P. Morgan Investment Management Inc.</span>
0.0102
0.1032
0.0679
0.0584
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">MML VIP American Funds Growth Fund (Service Class I)</span>
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">MML Investment Advisers, LLC</span>
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">N/A</span>
0.0102
0.1966
0.1289
0.1747
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">MML VIP Loomis Sayles Large Cap Growth Fund</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">(Service Class)</span>
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">MML Investment Advisers, LLC</span>
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Loomis, Sayles & Company, L.P.</span>
0.0095
0.1474
0.1467
0.1605
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">MML VIP T. Rowe Price Blue Chip Growth Fund (Service Class)</span>
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">MML Investment Advisers, LLC</span>
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">T. Rowe Price Associates, Inc.</span>
0.0103
0.1819
0.1081
0.1497
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">MML Small/Mid Cap Value Fund (Service Class)</span>
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">MML Investment Advisers, LLC</span>
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">AllianceBernstein L.P.</span>
0.0107
0.0217
0.0841
0.0842
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">MML VIP American Century Mid Cap Value Fund (Service Class)</span>
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">MML Investment Advisers, LLC</span>
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">American Century Investment Management, Inc.</span>
0.0114
0.0862
0.0851
0.0886
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">MML VIP American Century Small Company Value Fund</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">(Service Class I)</span>
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">MML Investment Advisers, LLC</span>
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">American Century Investment Management, Inc.</span>
0.0124
-0.036
0.049
0.0828
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">MML VIP Invesco Small Cap Equity Fund (Service Class)</span>
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">MML Investment Advisers, LLC</span>
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Invesco Advisers, Inc.</span>
0.0096
0.0859
0.0811
0.1046
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">MML VIP Invesco Discovery Mid Cap Fund (Service Class I)</span>
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">MML Investment Advisers, LLC</span>
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Invesco Advisers, Inc.</span>
0.011
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">MML VIP T. Rowe Price Mid Cap Growth Fund (Service Class)</span>
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">MML Investment Advisers, LLC</span>
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">T. Rowe Price Associates, Inc.</span>
0.0107
0.041
0.0356
0.0966
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">MML VIP Wellington Small Cap Growth Equity Fund</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">(Service Class)</span>
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">MML Investment Advisers, LLC</span>
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Wellington Management Company LLP</span>
0.013
0.0707
0.0241
0.1032
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Invesco V.I. International Growth Fund (Series II)</span>
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Invesco Advisers, Inc.</span>
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">N/A</span>
0.0125
0.1553
0.0188
0.0534
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">MML Foreign Fund (Service Class)</span>
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">MML Investment Advisers, LLC</span>
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Thompson, Siegel and Walmsley LLC</span>
0.0117
0.3236
0.0876
0.0646
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">MML VIP Invesco Global Fund (Service Class I)</span>
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">MML Investment Advisers, LLC</span>
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Invesco Advisers, Inc.</span>
0.0106
0.2269
0.0724
0.0968
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">MML VIP MFS International Equity Fund (Service Class I)</span>
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">MML Investment Advisers, LLC</span>
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Massachusetts Financial Services Company</span>
0.0118
0.252
0.0707
0.0697
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Nomura VIP Asset Strategy Series (Service Class)</span>
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Delaware Management Company</span>
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Nomura Investment Management Austria </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Kapitalanlage AG and Macquarie Investment Management Global </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Limited</span>
0.0077
0.1666
0.0707
0.0784
<div>
<table cellspacing="0" style="width:100%;cellspacing:0;padding-bottom:2pt;padding-top:0pt;margin-left:0pt;">
<tr style="height:1px;">
<td style="height:1px;width:51.00092336103416%"></td>
<td style="height:1px;width:48.99907663896584%"></td>
</tr>
<tr>
<td colspan="1" style="vertical-align:bottom">
<div style="background-color:#FFFFFF;padding-left:6pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b><i>Name</i></b></span></span>
</div>
</td>
<td colspan="1" style="vertical-align:bottom">
<div style="background-color:#FFFFFF;padding-left:6pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;"><b><i>Minimum Guaranteed Interest Rate</i></b></span></div>
</td>
</tr>
<tr>
<td colspan="1" style="background-color:#E5E5E5;;vertical-align:top">
<div style="background-color:#E5E5E5;padding-left:12pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">6 Month</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> DCA Fixed Account</span></span>
</div>
</td>
<td colspan="1" style="background-color:#E5E5E5;;vertical-align:top">
<div style="background-color:#E5E5E5;padding-left:12pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">1</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">%</span></div>
</td>
</tr>
<tr>
<td colspan="1" style="vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:12pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">12 Month</span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> DCA Fixed Account</span></span>
</div>
</td>
<td colspan="1" style="vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:12pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;">1</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">%</span></div>
</td>
</tr>
</table></div>
6 Month DCA Fixed Account
P6M
0.01
12 Month DCA Fixed Account
P12M
0.01
(1)Represents the mortality and expense risk charge and administrative charge (charged as a percentage of average account value in the Separate Account on an annualized basis) and the annual contract maintenance charge (a fixed dollar amount that may be waived for certain Contract Value amounts) collected during the Contract Year that are attributable to the Contract divided by the total average net assets that are attributable to the Contract.
(2)As a percentage of Fund assets.
(3)This charge is the lowest current charge for the optional benefit available with this contract. It is the current charge for the 12-Year GMAB. The charge is a percentage of the GMAB Amount.
(4)This charge is the highest current charge for the optional benefit available with this contract. It is the current charge for the 12-Year GMAB. The charge is a percentage of the GMAB Amount.
(5)The calculation of the highest annual cost assumes election of the 12-Year GMAB.
(1)The CDSC percentage charged is based on the number of full years from when the purchase payment is applied to the Contract to the date it is withdrawn. See Appendix C for an example.For a B-Share Contract those percentages are 7% (for first three years), 6% (for 4th year), 5% (for 5th year), 4% (for 6th year), 3% (for 7th year), and 0% (for 8th year and later).For an L-Share Contract those percentages are 7% (for first three years), 6% (for 4th year), and 0% (for 5th year and later).See ‘‘Charges and Deductions – Contingent Deferred Sales Charge (CDSC)’’ for more information.
(1)This represents the annual contract maintenance charge. Currently, we waive this charge if, when we are to make the deduction, your Contract Value is $100,000 or more. We assess the charge on each Contract Anniversary and when you make a full withdrawal. For Contracts issued in New York, the charge is deducted on a pro-rated basis for full withdrawals.
(2)The Base Contract Expenses represent the sum of the mortality and expense risk charge and the administrative charge. For the B-Share Contract, the current and maximum mortality and expense risk charge is 1.15% annually and the current and maximum administrative charge is 0.15% annually. For the L-Share Contract, the current and maximum mortality and expense risk charge is 1.50% annually and the current and maximum administrative charge is 0.15% annually. These charges are a percentage of average account value in the Separate Account on an annualized basis.
(3)After your seventh Contract Anniversary, the Base Contract Expenses for the L-Share Contract will be reduced to 1.30%.
(1)‘‘GMAB Amount’’ refers to the minimum Contract Value guaranteed at the end of the benefit period. The GMAB Amount will be recalculated after a reset. See ‘‘GMAB Amount’’ and ‘‘The Reset Option” in “Additional Benefits – Guaranteed Minimum Accumulation Benefit (GMAB) – 12-Year Benefit.’’
(2)‘‘GMAB Charge Base’’ refers to the total Purchase Payments made during the first Contract Year, adjusted by any withdrawals during the benefit period. See ‘‘Additional Benefits – Guaranteed Minimum Accumulation Benefit (GMAB) – 20-Year Benefit – GMAB Charge.’’
(1)The Fund expenses used to prepare this item were provided to us by the Funds. We have not independently verified such information provided to us by Funds that are not affiliated with us.
Fidelity, Contrafund and Fidelity Institutional AM are registered service marks of FMR LLC. Used with permission.
(2)MML VIP Aggressive Allocation Fund formerly known as MML Aggressive Allocation Fund.
(3)MML VIP American Funds 65/35 Allocation Fund formerly known as MML American Funds Core Allocation Fund.
(4)MML VIP Balanced Allocation Fund formerly known as MML Balanced Allocation Fund.
(5)MML VIP Conservative Allocation Fund formerly known as MML Conservative Allocation Fund.
(6)MML VIP Growth Allocation Fund formerly known as MML Growth Allocation Fund.
(7)MML VIP Moderate Allocation Fund formerly known as MML Moderate Allocation Fund.
(8)You could lose money by investing in the Fund. Although the Fund seeks to preserve the value of your investment at $1.00 per share, it cannot guarantee it will do so. An investment in the Fund is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. The Fund’s sponsor has no legal obligation to provide financial support to the Fund, and you should not expect that the sponsor will provide financial support to the Fund at any time. The yield of this Fund may become very low during periods of low interest rates. After deduction of Separate Account charges, the yield in the division that invests in this Fund could be negative.
(9)MML VIP Barings U.S. Government Money Market Fund formerly known as MML U.S. Government Money Market Fund.
(10)MML VIP Barings Core Bond Fund formerly known as MML Managed Bond Fund.
(11)MML VIP Barings Inflation-Protected and Income Fund formerly known as MML Inflation-Protected and Income Fund.
(12)MML VIP Barings Short-Duration Bond Fund formerly known as MML Short-Duration Bond Fund.
(13)MML VIP Fidelity Institutional AM® Core Plus Bond Fund formerly known as MML Total Return Bond Fund.
(1)These are fund-of-funds investment choices. They are known as fund-of-funds because they invest in other underlying funds. A fund offered in a fund-of-funds structure may have higher expenses than a direct investment in its underlying funds because a fund-of-funds bears its own expenses and indirectly bears its proportionate share of expenses of the underlying funds in which it invests.
(14)MML VIP BlackRock® Balanced Fund formerly known as MML Blend Fund.
(15)MML VIP Franklin Templeton Equity Fund formerly known as MML Equity Fund.
(16)MML VIP T. Rowe Price Equity Income Fund formerly known as MML Equity Income Fund.
(17)MML VIP Invesco Main Street Equity Fund formerly known as MML Fundamental Equity Fund.
(18)MML VIP JPMorgan U.S. Research Enhanced Equity Fund formerly known as MML Managed Volatility Fund.
(19)The Fund is a “feeder” fund, meaning that it does not buy investment securities directly, but instead invests in shares of a corresponding “master” fund, which in turn purchases investment securities. A fund offered in a master feeder structure may have higher expenses than those of a fund which invests directly in securities because the “feeder” fund bears its own expenses in addition to those of the “master” fund. You should read the Fund prospectuses for more information about this “feeder” fund.
(20)The
MML VIP American Funds Growth Fund invests all of its assets in the Class 1 shares of the American Funds Insurance
Series®
– Growth Fund. However, this Fund
is not available directly as an investment choice under your MassMutual variable product. You should read the prospectus along with
the prospectus for the MML VIP
American Funds Growth Fund.
(21)MML VIP American Funds Growth Fund formerly known as MML American Funds Growth Fund.
(22)MML VIP Loomis Sayles Large Cap Growth Fund formerly known as MML Large Cap Growth Fund.
(23)MML VIP T. Rowe Price Blue Chip Growth Fund formerly known as MML Blue Chip Growth Fund.
(24)MML VIP American Century Mid Cap Value Fund formerly known as MML Mid Cap Value Fund.
(25)MML VIP American Century Small Company Value Fund formerly known as MML Small Company Value Fund.
(26)MML VIP Invesco Small Cap Equity Fund formerly known as MML Small Cap Equity Fund.
(27)MML VIP Invesco Discovery Mid Cap Fund formerly known as MML Invesco Discovery Mid Cap Fund.
(28)MML VIP T. Rowe Price Mid Cap Growth Fund formerly known as MML Mid Cap Growth Fund.
(29)MML VIP Wellington Small Cap Growth Equity Fund formerly known as MML Small Cap Growth Equity Fund.
(30)Invesco V.I. International Growth Fund formerly known as Invesco Oppenheimer V.I. International Growth Fund.
(31)MML VIP Invesco Global Fund formerly known as MML Global Fund.
(32)MML VIP MFS International Equity Fund formerly known as MML International Equity Fund.
(33)Specialty funds are an all-encompassing category that consists of funds that forgo broad diversification to concentrate on a certain segment of the economy or a specific targeted strategy. For example, sector funds are targeted strategy funds aimed at specific sectors of the economy, such as financial, technology, healthcare, and so on. Sector funds can, therefore, be more volatile than a more diversified equity fund since the stocks in a given sector tend to be highly correlated with each other.
(34)Nomura VIP Asset Strategy Series formerly known as Macquarie VIP Asset Strategy Series.
(*)This Fund is subject to an expense reimbursement or fee waiver arrangement. As a result, this Fund’s annual expenses reflect temporary expense reductions. See the Fund prospectus for additional information.