Charges for Early Withdrawals [Text Block]

Charges for Early Withdrawals

No surrender charge is imposed on a partial or full surrender.

SUMMARY: FEE TABLES - Transaction Fees

CHARGES AND DEDUCTIONS

Ongoing Fees and Expenses [Table Text Block]

FEES AND EXPENSES

Location in Statutory Prospectus

Charges for Early Withdrawals

No surrender charge is imposed on a partial or full surrender.

SUMMARY: FEE TABLES - Transaction Fees

CHARGES AND DEDUCTIONS

Transaction Charges

You may be charged for other transactions, including a sales charge and taxes assessed on each premium paid, a transaction fee for unscheduled partial surrenders, transfer fees for unscheduled Division transfers, and illustration fees.

SUMMARY: FEE TABLES - Transaction Fees

CHARGES AND DEDUCTIONS

Ongoing Fees and Expenses (annual charges)

In addition to transaction charges, an investment in the Policy is subject to certain ongoing fees and expenses, including fees and expenses covering the cost of insurance under the Policy and the cost of optional benefits under the Policy, as well as interest for any Loan Indebtedness. Certain fees and expenses are set based on the characteristics of the Insured (e.g., age, sex, and rating classification). You should view the Data Pages for rates applicable to you. "Data Pages" are the pages of the Policy which contain information specific to you, to the Insured and the Policy. Current or revised Data Pages may be sent to you from time to time.

Investors will also bear expenses associated with the Underlying Funds, as shown in the following table:

SUMMARY: FEE TABLES - Periodic Charges Other Than Annual Underlying Fund Expenses

CHARGES AND DEDUCTIONS

SUMMARY: FEE TABLES -Annual Underlying Fund Expenses

CHARGES AND DEDUCTIONS

APPENDIX – Underlying Funds Available Under the Policy

Annual Fee

Minimum

Maximum

Investment Options (Underlying Fund Fees and Expenses)

0.12%

2.86%

Investment Options (of Other Amount) Maximum [Percent]

2.86%

Investment Restrictions [Text Block]

While you may transfer amounts in the Divisions (which invest in shares of a corresponding Underlying Fund) and Fixed Account, certain restrictions and transfer fees apply with regard to the number and amount of such transfers. Transfers from the Fixed Account are subject to significant limitations. Transfers are also subject to the excessive trading and market timing polices described in this prospectus.

We reserve the right to remove or substitute Underlying Funds as investment options.

Depending on your state, or your financial professional or your financial professional's firm, certain investment options may not be available.

Tax Implications [Text Block]

You should consult with a tax professional to determine the tax implications of an investment in, and payments received under, the Policy. There is no additional tax benefit to you if the Policy is purchased through a tax-qualified plan or individual retirement account (IRA), and withdrawals will be subject to ordinary income tax and may be subject to tax penalties

Exchanges [Text Block]

Some financial representatives may have a financial incentive to offer a new policy in place of the one you already own. You should only exchange an existing policy if you determine, after comparing the features, fees and risks of both policies, and any fees or penalties to terminate the existing policy, that it is preferable to purchase the new policy rather than continue to own an existing policy.

Sales Load, Description [Text Block]

Sales Charge(1)

Sales Load (of Premium Payments), Maximum [Percent]

6.75%

Premium Taxes, Description [Text Block]

Taxes (federal, state and local)

Premium Taxes (of Premium Payments), Maximum [Percent]

3.25%

Deferred Sales Load, Footnotes [Text Block]

The sales charge varies over time and also varies with the existence of the Supplemental Benefit Rider, as described in CHARGES AND DEDUCTIONS - Premium Expense Charge.

Other Surrender Fees, When Deducted [Text Block]

from each unscheduled partial surrender after the second unscheduled partial surrender in a Policy Year

Other Surrender Fees, Current [Dollars]

$ 25

Other Surrender Fees (of Other Amount), Current [Percent]

2.00%

Transfer Fees, When Deducted [Text Block]

upon each unscheduled Division transfer after the first unscheduled Division transfer in a Policy Month

Transfer Fee, Current [Dollars]

$ 0

Other Transaction Fee (of Other Amount), Footnotes [Text Block]

Premium paid up to Target Premium. The maximum sales charge on premium paid in excess of Target Premium is 3.00% for Policy Dates before October 1, 2021; 3.75% for Policy Dates from October 1, 2021 – March 1, 2026; and 6.75% for Policy Dates on or after March 2, 2026.For more information regarding the guideline premium/cash value corridor test and the cash value accumulation test, see DEATH BENEFITS AND POLICY VALUES - IRS Definition of Life Insurance.

Insurance Cost, Description [Text Block]

Cost of Insurance(1)

Insurance Cost, Maximum [Dollars]

$ 83.33333

Insurance Cost, Footnotes [Text Block]

Current charges reflect the charges in effect as of the date of this prospectus supplement for a Representative Insured, which is a 45 year-old male with a risk classification of preferred non-tobacco for Policy Year one.

Annual Portfolio Company Expenses [Table Text Block]


Annual Underlying Fund Expenses as of December 31, 2025	Minimum	Maximum
Total annual Underlying Fund expenses (expenses that are deducted from underlying fund assets, including management fees, distribution and/or service (12b-1) fees and other expenses)	0.12%	2.86%

Portfolio Company Expenses Maximum [Percent]

2.86%

Item 10. Standard Death Benefits (N-6) [Table Text Block]

DEATH BENEFITS AND POLICY VALUES

Death Proceeds

We will pay the death proceeds to the beneficiary(ies) subject to the provisions of the Policy, after we receive:

•notice and proof that the Insured died while the Policy was in force and before the Policy Maturity Date. Proof of the Insured's death consists of a certified copy of the death certificate of the Insured;

•Sufficient information to determine our liability, the extent of the liability, and the appropriate payee legally entitled to the proceeds; and

•Sufficient evidence that any legal impediments to payment of proceeds that depend on the action of parties other than us are resolved. Legal impediments to payment include, but are not limited to: (a) the establishment of guardianships and conservatorships; (b) the appointment and qualification of trustees, executors and administrators; and (c) the submission of information required to satisfy state and federal reporting requirements.

We pay death proceeds first to the assignee, if any, in a lump sum. We pay the remainder to your named beneficiary(ies) as described below. If no beneficiary(ies) survives the Insured, we will pay the death proceeds to the Owner or the Owner’s estate unless you have given us written notice otherwise.

We will pay death proceeds according to the benefit payment option (shown below) that you have chosen. If you do not select a benefit payment option, your named beneficiary(ies) may each choose to receive payment in a lump sum or according to a benefit payment option. If your beneficiary(ies) does not choose a benefit payment option, we will pay the death proceeds in a lump sum.

Death proceeds, calculated as of the date of death of the Insured, are A minus B minus C where:

•A is the death benefit plus any proceeds from any benefit rider on the Insured's life;

•B is any Loan Indebtedness; and

•C, if the Insured's death occurs during a grace period, is the lesser of any overdue Monthly Policy Charges and, if applicable, the Death Benefit Guarantee Premium Requirement.

Benefit Payment Instructions

While the Insured is alive, you may give us instructions for payment of death proceeds under one of the fixed benefit payment options shown below. If we have not received written benefit payment instructions from you prior to the Insured’s death, each of your beneficiaries may select either a lump sum distribution or one of the benefit payment options shown below. You may change your benefit payment instructions by sending us written notice. If you change your beneficiary(ies) designation, your prior benefit payment instructions are automatically revoked.

Benefit Payment Options

The benefit payment options include:

•Custom Benefit Arrangement – We will make benefit payments based on arrangements you have requested and we have agreed to in writing (e.g., equal payments made over a specified period of time, joint and survivor life income with a reduced survivor benefit, etc.).

•Life Income – We will make benefit payments for a person’s lifetime; payments stop after the death of that person. It is possible that we would make no payments if the person were to die before the first payment was due.

•Life Income with Period Certain – We will make benefit payments for the longer of a person’s lifetime or a guaranteed period that you specify (must be between 5 to 30 years). If the person dies before all of the guaranteed payments have been made, we will continue to make the guaranteed payments to the person(s) you or your beneficiary designate until the end of the guaranteed period.

•Joint and Survivor Life Income – We will make benefit payments for the longer of the lifetimes of two named people. Payments stop upon the death of the survivor of the two persons. It is possible that we would make no payments if both persons were to die before the first payment was due.

•Joint and Survivor Life Income with Period Certain – We will make benefit payments for the longer of the lifetimes of two named people or a guaranteed payment period that you specify (must be between 5 to 30 years). If both people die before all of the guaranteed payments have been made, we will continue to make the guaranteed payments to the person(s) you or your beneficiary designates until the end of the guaranteed period.

These benefit payment options are also available if the Policy matures or is surrendered.

Death Benefit Options

The death benefit option is selected at the time of application. If a death benefit option is not chosen, the Policy will be issued with Death Benefit Option 1.

The three death benefit options available are:

•Death Benefit Option 1 – the death benefit equals the greater of:

•the Total Face Amount; or

•the amount found by multiplying the Surrender Value by the applicable percentage*.

•Death Benefit Option 2 – the death benefit equals the greater of:

•the Total Face Amount plus the Policy Value; or

•the amount found by multiplying the Surrender Value by the applicable percentage*.

•Death Benefit Option 3 – the death benefit equals the greater of:

•the Total Face Amount plus the greater of a) premiums paid less partial surrenders and b) zero; or

•the amount found by multiplying the Surrender Value by the applicable percentage*.

*The applicable percentage tables are in Appendix B and are based on our interpretation of Section 7702 of the Internal Revenue Code as set forth below. The table which applies to your Policy is determined by your choice of either the guideline premium/cash value corridor test or the cash value accumulation test.

Example: The following assumptions are made to demonstrate the use of the Tables found in Appendix B: Death Benefit Option: 1

Total Face Amount:

$1,000,000 Surrender Value:

$900,000

Definition of Life Insurance Test: Guideline Premium/Cash Value Corridor Test Attained Age: 45

Risk Class: Preferred Non-

Tobacco Applicable Percentage: 215%

Death Benefit: $900,000 x 215% = $1,935,000

For Policy Dates before October 1, 2021, if the Definition of Life Insurance Test was the Cash Value Accumulation Test, the applicable percentage would be 378.88% (assuming the Insured is a male) and the death benefit would be $3,409,920.

For Policy Dates on or after October 1, 2021, if the Definition of Life Insurance Test was the Cash Value Accumulation Test, the applicable percentage would be 201.591% (assuming the Insured is a male) and the death benefit would be $1,814,319.

Change in Death Benefit Option

You may change the death benefit option on or after the first policy anniversary. Up to two changes are allowed per Policy Year. Your request must be made in writing and approved by us. The effective date of the change will be the Monthly Date that coincides with, or next follows, our approval. If the death benefit option change involves a face decrease, you may elect to keep the current Total Face Amount, subject to underwriting review and approval.

The option may not be changed from Death Benefit Option 1 to Death Benefit Option 3 or from Death Benefit Option 2 to Death Benefit Option 3. We will increase or decrease the Total Face Amount so that the death benefit immediately after the change equals the death benefit before the change.


Changing from Death Benefit Option 1 to Death Benefit Option 2 We will decrease the Total Face Amount. The amount of the decrease is equal to the Policy Value on the effective date of the change. If there have been previous increases in the Total Face Amount, the decrease of Total Face Amount will be made on a last in, first out basis. Because the death benefit can continue to increase under Death Benefit Option 2, thereby increasing the Company’s risk we may require proof of insurability. In addition, cost of insurance charges will likely increase. This example assumes that the Base Policy Face Amount equals the Total Face Amount.
Total Face Amount	Death Benefit	Policy Value
before the change	before the change	before the change
$1,000,000	$1,000,000	$50,000
after the change	after the change	after the change
$950,000 ($1,000,000 - $50,000)	$1,000,000 ($950,000+$50,000)	$50,000

Changing from Death Benefit Option 2 to Death Benefit Option 1 We will increase the Total Face Amount. The amount of the increase is equal to the Policy Value on the effective date of the change. The Total Face Amount increase will be in the same proportion as the Base Policy Face Amount to the Total Face Amount. Because the death benefit will not continue to increase under Death Benefit Option 1, no proof of insurability is required. Cost of insurance charges will likely decrease. This example assumes that the policy face amount equals the Total Face Amount.
Total Face Amount	Death Benefit	Policy Value
before the change	before the change	before the change
$1,000,000	$1,050,000 ($1,000,000 + $50,000)	$50,000
after the change	after the change	after the change
$1,050,000 ($1,000,000 + $50,000)	$1,050,000	$50,000


Changing from Death Benefit Option 3 to Death Benefit Option 1 We will increase the Total Face Amount if the total premiums paid are greater than total partial surrenders (including any transaction fees) as of the effective date of the change. The increase will be in the same proportion as the Base Policy Face Amount is to the Total Face Amount. Because the death benefit will not continue to increase under Death Benefit Option 1, no proof of insurability is required. Cost of insurance charges will likely decrease. This example assumes total premiums paid are $30,000, total partial surrenders are $10,000 and the Base Policy Face Amount equals the Total Face Amount.
Total Face Amount	Death Benefit	Policy Value
before the change	before the change	before the change
$1,000,000	$1,020,000 ($1,000,000 + ($30,000 - $10,000))	$50,000
after the change	after the change	after the change
$1,020,000 ($1,000,000 + ($30,000 - $10,000))	$1,020,000	$50,000


Changing from Death Benefit Option 3 to Death Benefit Option 2 We will either increase or decrease the Total Face Amount by subtracting the Policy Value from the greater of a) premiums paid less partial surrenders and b) zero. Because the death benefit can continue to increase under Death Benefit Option 2, therefore increasing the Company’s risk, we may require proof of insurability. In addition, cost of insurance charges will likely increase. This example assumes that total premiums paid are $30,000, total partial surrenders are $10,000 and the policy face amount equals the Total Face Amount.
Total Face Amount	Death Benefit	Policy Value
before the change	before the change	before the change
$1,000,000	$1,020,000 ($1,000,000 + ($30,000 - $10,000))	$50,000
after the change	after the change	after the change
$970,000 ($1,000,000 + ($30,000 - $10,000 - $50,000))	$1,020,000 ($970,000 + $50,000)	$50,000

IRS Definition of Life Insurance

The Policy should qualify as a life insurance contract as long as it satisfies either the guideline premium/cash value corridor test or the cash value accumulation test as defined under Section 7702 of the Internal Revenue Code. One of these tests is chosen at issue. If a test is not chosen, the Policy will comply with the guideline premium/cash value corridor test. Once a test is chosen, it cannot be changed on the Policy.

The guideline premium/cash value corridor test places limitations on the amount of premium payments that may be made and on Policy Values that can accumulate relative to the death benefit. Guideline premium limits are determined when the Policy is issued and can vary by the death benefit option chosen. Guideline premium limits will likely change due to any Adjustment to the Policy.

If you make a premium payment that we determine exceeds the current guideline premium limits under Internal Revenue Code Section 7702, we reserve the right to apply or refund the payment as described under “Premium Limitations.”

The cash value accumulation test does not place limitations on the amount of premium payments but limits the amount of Policy Values that can accumulate relative to the death benefit.

To satisfy either test, the ratio of the death benefit to the Policy Value must be at least as great as the applicable percentage shown in Appendix B. As the Policy Value increases, the minimum death benefit may be required to increase. Because the cost of insurance you pay is based in part on the amount of the death benefit, an increase in the death benefit increases the cost of insurance.

As compared to the cash value accumulation test, the guideline premium/cash value corridor test generally has:

•smaller applicable percentages

•lower minimum death benefit

•lower cost of insurance charges

•better Policy Value growth.

The smaller applicable percentages lead to a lower minimum death benefit and thus lower cost of insurance charges. Lower charges result in better Policy Value growth.

This may not be the result in all cases. The specifics of each Policy determine which test is more suitable. Illustrations using each of the tests will help you determine which test meets your objectives. An illustration may be obtained from your registered representative or by calling 1-800-247-9988.

The table below demonstrates the minimum death benefit based on the test chosen.

For Policy Dates before October 1, 2021

The example below is based on the following:

•The Insured is a male with an Attained Age of 45 at the time the Policy was issued. He dies at the beginning of the sixth Policy Year (Attained Age 50)

•Total Face amount is $100,000

•Death Benefit Option 1

•Surrender value at the date of death is $25,000

•The minimum death benefit under the guideline premium/cash value corridor test is $46,250 (assuming an applicable percentage of 185% x Surrender Value)

•The minimum death benefit under the cash value accumulation test is $80,494 (assuming an applicable percentage of 321.976%)


The death benefit payable is the larger of these two amounts
	Face Amount	Minimum death benefit	Net amount at risk used in calculating the cost of insurance charge
Guideline Premium/Cash Value Corridor Test	$100,000	$46,250	$74,705.44
Cash Value Accumulation Test	$100,000	$80,494	$74,705.44

Here’s the same example, but with a Surrender Value of $75,000. Because the Surrender Value has increased, the minimum death benefit is now:

•$138,750 for the guideline premium/cash value corridor test

•$214,482 for the cash value accumulation test.


The death benefit payable is the larger of these two amounts
	Face Amount	Minimum death benefit	Net amount at risk used in calculating the cost of insurance charge
Guideline Premium/Cash Value Corridor Test	$100,000	$138,750	$65,521.22
Cash Value Accumulation Test	$100,000	$214,482	$166,083.83

For Policy Dates on or after October 1, 2021

The example below is based on the following:

•The Insured is a male with an Attained Age of 45 at the time the Policy was issued. He dies at the beginning of the sixth Policy Year (Attained Age 50)

•Total Face amount is $100,000

•Death Benefit Option 1

•Surrender value at the date of death is $25,000

•The minimum death benefit under the guideline premium/cash value corridor test is $46,250 (assuming an applicable percentage of 185% x Surrender Value)

•The minimum death benefit under the cash value accumulation test is $46,219 (assuming an applicable percentage of 184.874%)


The death benefit payable is the larger of these two amounts
	Face Amount	Minimum death benefit	Net amount at risk used in calculating the cost of insurance charge
Guideline Premium/Cash Value Corridor Test	$100,000	$46,250	$74,917.11
Cash Value Accumulation Test	$100,000	$46,219	$74,917.11

Here’s the same example, but with a Surrender Value of $75,000. Because the Surrender Value has increased, the minimum death benefit is now:

•$138,750 for the guideline premium/cash value corridor test

•$138,656 for the cash value accumulation test.


The death benefit payable is the larger of these two amounts
	Face Amount	Minimum death benefit	Net amount at risk used in calculating the cost of insurance charge
Guideline Premium/Cash Value Corridor Test	$100,000	$138,750	$63,635.00
Cash Value Accumulation Test	$100,000	$138,656	$63,540.58

Keep in mind that cost of insurance charges, which affect your Policy’s value, increase with the amount of the death benefit, as well as over time. The cost of insurance is charged at a rate per $1,000 of Net Amount at Risk. As the Net Amount at Risk increases, the cost of insurance increases. Policy value also varies depending on the performance of the investment options in your Policy.

All transactions will be subject to the limits as defined under Section 7702 of the Internal Revenue Code. A transaction may not be allowed, or an increase in Total Face Amount may be required, if the transaction would cause a refund of premium and/or distribution of the Policy Value in order to maintain compliance with the Section 7702 limits.

Maturity Proceeds

If your Policy is in force and the Insured is living on the Policy Maturity Date shown on the Data Pages, you may elect to be paid the maturity proceeds, which are equal to the Net Surrender Value.

Adjustment Options

Increase in Total Face Amount

You may request an increase in the Total Face Amount provided that the Policy is not in a grace period and Monthly Policy Charges are not being waived under a rider. The minimum increase in Total Face Amount is $10,000.

The request must be made on an Adjustment application. The application must be signed by the Owner(s) and the Insured. If your request is not approved, no changes are made to your Policy.

We will approve your request if:

•the Attained Age of the Insured does not exceed the maximum age limit that applies to the Policy on a new issue basis; and

•the amount of the face amount increase is at least the minimum face amount Increase shown on the Data Pages; and

•you supply evidence which satisfies us that the Insured is alive and insurable under our underwriting guidelines then in effect; and

•the death proceeds less the Policy Value does not exceed our maximum limits as defined under our underwriting guidelines then in effect; and

•your policy is not in a grace period; and

•the face amount after Adjustment is not less than the minimum face amount shown on the Data Pages; and

•your Monthly Policy Charges or premiums are not being waived under any rider.

The increase in Total Face Amount is in a risk classification determined by us. The Adjustment is effective on the Monthly Date on or next following our approval of your request.

If you want insurance coverage to start at the time the Adjustment application is submitted, an “adjustment premium” payment must be sent with the completed application. The amount of the adjustment premium is based on the face amount of the Policy, the death benefit option and the charges and expenses of the Policy. This amount is shown on the Policy illustration provided to you by your registered representative. If this amount is submitted with the application, an adjustment premium conditional receipt will be given to you. The receipt acknowledges the adjustment premium payment and details any interim conditional insurance coverage.

Any adjustment premium payment made in connection with the Adjustment application is held in our General Account without interest (for a period of up to a 60 days) while we complete underwriting for the Adjustment. If we approve the Adjustment, on the effective date of the Adjustment, the amount of the adjustment premium payment being held minus the Premium Expense Charge is moved to the Divisions and/or Fixed Account according to your then current premium allocation percentages.

The cost of insurance charge will increase in the event of an increase in a Policy’s Total Face Amount. If there is insufficient value to pay the higher charges after an increase in Total Face Amount, the Policy will lapse, unless the protections of the death benefit guarantee rider are in effect. The entire Policy would be at risk of lapsing, not just the incremental increase in Total Face Amount.

Decrease in Total Face Amount

On or after the first policy anniversary, you may request a decrease in the Total Face Amount. No transaction fee is imposed on decreases in the Total Face Amount. A request for a decrease requires the following:

•the request must be made on an Adjustment application;

•the application must be signed by the Owner(s);

•the decrease is at least the minimum amount as determined by our underwriting guidelines in place at the time of your request;

•the decrease may not reduce the Total Face Amount below $100,000; and

•if there have been previous increases in the Total Face Amount, the decrease of Total Face Amount will be made on a last in, first out basis.

A decrease may not be allowed if the decrease would cause a refund of premium and/or the distribution of the Policy Value in order to maintain compliance with the limits required by the Internal Revenue Code relating to the definition of life insurance.

Policy Values

Your Policy Value is equal to the sum of the values in the Divisions, the Fixed Account, and Loan Account. The Policy Value:

•increases as premiums are applied and interest is credited;

•decreases as partial surrenders and Policy expenses are deducted; and

•can increase or decrease as the investment experience of your chosen Divisions fluctuates.

Item 11. Other Benefits Available (N-6) [Text Block]

OTHER BENEFITS AVAILABLE UNDER THE POLICY

In addition to the standard death benefit associated with the Policy, other standard and/or optional benefits may also be available. The following table summarizes information about those benefits. For information about the fees associated with each benefit included in the table, if any, see SUMMARY: FEE TABLES.

Not all benefits (including those referred to below as "standard") are available to all Owners or in all states, and provisions may vary. In addition, depending on your financial professional or your financial professional’s firm, certain benefits may not be available, or may be available on different terms. See GENERAL DESCRIPTION OF THE POLICY – Financial Intermediary Variations.

Name of Benefit

Purpose

Standard/

Optional

Charge

Brief Description of

Restrictions/Limitations

Scheduled Transfers

Permits automatic transfers from one Division to one or more of the other Divisions, or from the Fixed Account to one or more of the Divisions, on a regular basis

Standard

No

Automatic transfers are not available from the Divisions to the Fixed Account

Transfers from the Divisions take place annually, semi-annually, quarterly, or monthly.

Additional limitations apply to scheduled transfers from the Fixed Account.

Automatic Portfolio Rebalancing

Allows you to maintain a specific percentage of your Net Policy Value in the Divisions over time.

Standard

No

Not available if you have scheduled transfers from the same Divisions.

Not available for the Fixed Account.

Change of Insured

Allows the business to change the Insured when an employee leaves employment or ownership of the business changes

Optional

No

available on business cases only

Death Benefit Guarantee

Guarantees the Policy will not lapse before the Insured attains age 85 if premiums paid equal or exceed the Death Benefit Guarantee Premium requirement

Standard(1)

No

If the rider terminates, it may not be reinstated.

Life Paid-Up (Overloan Protection)

Under certain circumstances, guarantees the Policy will not lapse when there is large Loan Indebtedness by converting the Policy to paid-up life insurance

Optional

Yes

Once the benefit begins, certain limitations and restrictions are imposed on the Policy. Consult your tax advisor regarding this rider.

Enhanced Cash Surrender Value Rider

If you surrender a Policy in full, we will pay an amount in addition to the Net Policy Value

Optional

Yes. There is no initial cost to purchase the

Underwriting guidelines and plan premium levels determine availability to

Enhanced Cash Surrender Value Rider. However, your Policy Value will be impacted if a higher current asset based charge is

deducted from your Policy Value.

Select the enhanced cash surrender options. Contact your registered representative for more information.

Election will generally result in higher asset based charges.

Supplemental Benefit Rider

Provides additional insurance (Total Face Amount) at a reduced cost

Optional

Yes

Our approval, under our then current underwriting guidelines, is required to add this rider. The supplemental cost of insurance rate applies.

For Policy Dates on or after March 2, 2026, Supplemental Benefit Rider asset based charges also apply.

(1)Availability of these riders varies. See the more detailed information below.

Change of Insured Rider

This rider is available on business cases only and may be added at any time prior to the proposed Insured’s issue age 69. It allows the business to change the Insured when an employee leaves employment or ownership of the business changes. We must receive satisfactory evidence of insurability (according to our underwriting guidelines then in effect) for the newly named Insured. Future cost of insurance rates are based on the gender, issue age, tobacco status and risk classification of the newly named Insured. Until the effective date of the change of Insured application, coverage remains in effect on the life of the prior Insured. The death proceeds are paid when the newly named Insured dies. There is no charge for this rider.

Death Benefit Guarantee Rider

This rider is automatically made a part of the Policy at issue as long as the premium (planned or paid) is equal to or greater than the annual Death Benefit Guarantee Premium Requirement. This rider provides that your Policy will not lapse before Insured’s Attained Age 85 if premiums paid equal or exceed the Death Benefit Guarantee Premium Requirement. The Death Benefit Guarantee Premium Requirement is described in PREMIUMS - Premiums Affecting Guarantee Provisions, and an illustration (available at no charge from your registered representative or our Home Office) will provide the Death Benefit Guarantee Premium Requirement applicable to your Policy.

If on any Monthly Date, the death benefit guarantee premium is not met, we send you a notice stating the premium required to keep the rider in effect. If the premium required to maintain the rider is not received in our Home Office before the expiration of the 61 days (which begins when the notice is mailed), the death benefit guarantee is no longer in effect and the rider is terminated. If the rider terminates, it may not be reinstated (except in states where reinstatement is required). The rider may not be added after the Policy has been issued. There is no charge to purchase this rider; however, sufficient premiums are required to be paid in order for the rider benefits to apply.

Enhanced Cash Surrender Value Rider

If you surrender a Policy in full that has the optional Enhanced Cash Surrender Value Rider, we will pay an amount in addition to the Net Policy Value as set out below. The additional amount reflects a partial refund of past policy charges. The additional amount is only available upon a full cash surrender of the Policy that is not associated with a replacement or an exchange under Section 1035 of the Internal Revenue Code, or with the exercise of your right to return the Policy pursuant to the examination offer (Free-Look) provision. In Florida, the additional amount is only available upon a full cash surrender of the Policy that is not associated with the exercise of your right to return the Policy pursuant to the examination offer (Free-Look) provision. This rider has no value unless or until you surrender the Policy in full. This rider generally terminates if there is a change of ownership of your Policy. This rider may be reinstated as part of your Policy if the rider was part of your Policy at the end of the grace period (as described in the grace period provision of the Policy) and if all conditions for reinstatement are met. If the rider is reinstated pursuant to the terms and conditions of the rider, Policy Year of surrender for the rider benefit will be based on the Policy Date.

The Enhanced Cash Surrender Value Rider benefit is equal to the additional amount shown in the applicable table below, multiplied by the Enhancement Factor. There are four Enhancement Factor options available - 25%, 50%, 75%, or 100%. Underwriting guidelines and plan premium levels determine availability to select these options. Higher Enhancement Factors are available for relatively larger plan premium levels. Contact your registered representative for more information.

For Policy Dates before March 2, 2026*


Policy Year of Surrender			Additional Amount

1			8.15% of premium received since issue less partial surrenders

2			9.50% of premium received since issue less partial surrenders

3			9.40% of premium received since issue less partial surrenders

4			9.00% of premium received since issue less partial surrenders

5			8.40% of premium received since issue less partial surrenders

6			7.50% of premium received since issue less partial surrenders

7			6.50% of premium received since issue less partial surrenders

8			5.50% of premium received since issue less partial surrenders

9			4.75% of premium received since issue less partial surrenders


10			4.00% of premium received since issue less partial surrenders

11			3.00% of premium received since issue less partial surrenders

12			2.00% of premium received since issue less partial surrenders

13			0.90% of premium received since issue less partial surrenders

14+			0.00% of premium received since issue less partial surrenders

*There is no initial cost to purchase this rider, however, your Policy Value will be impacted because a higher current asset based charge will be deducted from your Policy Value with 100% Enhancement Factor as compared to a Policy issued without this rider. This higher current asset based charge will continue even if this rider terminates.

For Policy Dates on or after March 2, 2026**


Policy Year of Surrender			Additional Amount
1			8.00% of premium received since issue less partial surrenders
2			7.20% of premium received since issue less partial surrenders
3			6.50% of premium received since issue less partial surrenders
4			5.75% of premium received since issue less partial surrenders
5			5.10% of premium received since issue less partial surrenders
6			4.50% of premium received since issue less partial surrenders
7			3.90% of premium received since issue less partial surrenders
8			2.95% of premium received since issue less partial surrenders
9			1.90% of premium received since issue less partial surrenders
10			0.90% of premium received since issue less partial surrenders
11			0.00% of premium received since issue less partial surrenders
12			0.00% of premium received since issue less partial surrenders
13			0.00% of premium received since issue less partial surrenders
14+			0.00% of premium received since issue less partial surrenders

**There is no initial cost to purchase this rider, however, the current asset based charge(s) under the Policy will be increased, subject to a maximum charge of 0.90% of Division value per year, based on a designated multiplier, which varies based on the applicable Enhancement Factor option. The multiplier will be applied to the asset based charge for the proportionate Base Face Amount and, if elected, the Supplemental Benefit Rider. The higher current asset based charge(s) will continue even if this rider terminates.

See SUMMARY: FEE TABLES and CHARGES AND DEDUCTIONS for additional information about asset based charges under the Policy

Life Paid-Up Rider (Overloan Protection)

This rider may be elected at any time prior to the Policy Maturity Date. Under certain circumstances, this rider can guarantee the Policy will not lapse when there is large Loan Indebtedness by converting the Policy to paid-up life insurance. The rider benefit will begin on any Monthly Date the following conditions are satisfied:

•the Loan Indebtedness is at least the following percentages of the Surrender Value:

◦92% current (92% guaranteed) for the guideline premium test; or

◦90% current (86% guaranteed) for the cash value accumulation test.

•there is sufficient Net Surrender Value to cover the one-time rider charge;

•the Insured’s Attained Age is 75 years or older;

•the Policy has been in force for at least 15 Policy Years; and

•premiums paid have been surrendered.

The amount of Loan Indebtedness is stated in the annual policy statement you receive each Policy Year. Once the rider benefit begins:

•All values in the Divisions are immediately transferred to the Fixed Account where they will earn interest.

•No further Monthly Policy Charges are deducted for the remaining paid-up death benefit.

•No new premium payments, Face Amount Adjustments, partial surrenders or loans are allowed.

•If death benefit option 2 or 3 is in effect, your death benefit option will change to death benefit option 1 and you may no longer change the death benefit option.

•Your Loan Indebtedness remains and interest will continue to accrue on the Loan Indebtedness. However, loan payments can be submitted.

•All optional riders will automatically be terminated.

There is a one-time maximum charge of 13.5% of the Policy Value, which is taken from the Policy Value on the date the rider benefit begins. For example, if your Policy Value is $100,000, it will be reduced by $13,500 when the benefit begins. We will send you new Data Pages reflecting the change. You have the right to reject this change by giving us Notice.

The Internal Revenue Service has not taken a position on the Life Paid-Up rider. You should consult your tax advisor regarding this rider.

Supplemental Benefit Rider

This rider provides additional insurance (Total Face Amount) at a reduced cost. Our approval, under our then current underwriting guidelines, is required to add this rider.

There is a supplemental cost of insurance charge for the Net Amount at Risk provided by this rider. The supplemental cost of insurance rate varies depending upon the Insured’s gender, issue age, duration since issue and Adjustment, tobacco status, and risk classification, and is determined based on, without limitation, our expectations as to our future earnings, expenses, state and federal taxes, mortality and persistency experience, market conditions, and revenue for profit. For Policy Dates before March 2, 2026, the supplemental cost of insurance rate ranges from a maximum of $83.33333 per $1,000 Net Amount at Risk to $0.00062 per $1,000 Net Amount at Risk. For Policy Dates on or after March 2, 2026, the supplemental cost of insurance rate ranges from a maximum of $83.33333 per $1,000 Net Amount at Risk to $0.00374 per $1,000 Net Amount at Risk.

In addition to the supplemental cost of insurance charge, for Policy Dates on or after March 2, 2026, there is an additional asset based charge for the Supplemental Benefit Rider. The maximum asset based charge for the Supplemental Benefit Rider with or without the Enhanced Cash Surrender Value Rider will always be 0.90% of the Division value per year. The current asset-based charge will be increased by a multiplier if the Enhancement Cash Surrender Value Rider has been elected, depending on the applicable Enhancement Factor option and subject to the maximum charge. See SUMMARY: FEE TABLES and CHARGES AND DEDUCTIONS for additional information about asset based charges under the Policy.

Item 18. Portfolio Companies (N-6) [Text Block]

APPENDIX A

UNDERLYING FUNDS AVAILABLE UNDER THE POLICY

The following is a list of Underlying Funds currently available under the Policy, which is subject to change. Before you invest, you should review the prospectuses for the Underlying Funds, as may be amended from time to time. These prospectuses contain more information about the Underlying Funds and their risks. You can find the prospectuses and other information about the Underlying Funds online at https://www.principal.com/ExecutiveVUL3Report. You can also request this information at no cost by calling 1-800-247-9988 or by sending an email request to Lifeinsurance@principal.com.

The current expenses and performance information below reflects fees and expenses of the Underlying Funds but does not reflect the other fees and expenses that your Policy may charge. Expenses would be higher and performance would be lower if these charges were included. Each Underlying Fund’s past performance is not necessarily an indication of future performance.

Some of the Underlying Funds are “funds of funds.” A fund of funds is a mutual fund that invests primarily in a portfolio of other mutual funds. Operating expenses shown for a fund of funds include the fees and expenses that such fund incurs indirectly as a result of investing in other funds. More detail about the risks of investing in a fund of funds is available in such fund’s prospectus.

The availability of investment options may vary depending in your financial professional or your financial professional's firm. See GENERAL DESCRIPTION OF THE POLICY - Financial Intermediary Variations.


Type	Fund Name	Adviser/ Subadviser	Current Expenses	Average Annual Total Returns (as of 12/31/25)
				1 Year	5 Year	10 Year

Small/Mid U.S. Equity	AB Variable Products Series Fund, Inc. Discovery Value Portfolio Class A	Alliance Bernstein L.P.	0.82%	2.89%	8.75%	8.55%
International Equity	AB Variable Products Series Fund, Inc. International Value Portfolio Class A	Alliance Bernstein L.P.	0.90%	41.70%	10.47%	6.64%
Small/Mid U.S. Equity	AB Variable Products Series Fund, Inc. Small Cap Growth Portfolio Class A 1,2	Alliance Bernstein L.P.	0.90%	4.80%	-0.44%	11.26%
International Equity	AB Variable Products Series Fund, Inc. Sustainable Global Thematic Portfolio Class A 1	Alliance Bernstein L.P.	0.94%	6.32%	3.28%	10.08%


Asset Allocation	American Funds Insurance Series® American Funds ® Global Balanced Fund Class 2 1	Capital Research and Management Company	0.76%	17.14%	6.11%	7.69%
Fixed Income	American Funds Insurance Series® Capital World Bond Fund ® Class 2	Capital Research and Management Company	0.73%	9.39%	-2.50%	1.23%
International Equity	American Funds Insurance Series® SMALLCAP World Fund Class 2 1,9	Capital Research and Management Company	0.90%	14.64%	0.49%	7.23%
Large U.S. Equity	American Funds Insurance Series® Growth Fund Class 2	Capital Research and Management Company	0.58%	20.24%	13.37%	17.97%
International Equity	American Funds Insurance Series® EUPAC Fund Class 2 1,10	Capital Research and Management Company	0.72%	26.77%	3.40%	7.00%
International Equity	American Funds Insurance Series® New World Fund ® Class 2 1	Capital Research and Management Company	0.82%	28.29%	5.33%	9.25%
Large U.S. Equity	American Funds Insurance Series® Washington Mutual Investors Fund Class 2 1	Capital Research and Management Company	0.50%	17.21%	13.89%	12.36%
Small/Mid U.S. Equity	BNY Mellon Investment Portfolios MidCap Stock Portfolio Service Shares 1	BNY Mellon Investment Adviser, Inc./ Newton Investment Management North America, LLC	1.05%	9.81%	9.39%	8.51%


Other - Technology	BNY Mellon Investment Portfolios Technology Growth Portfolio Service Shares	BNY Mellon Investment Adviser, Inc./ Newton Investment Management North America, LLC	1.07%	27.87%	8.96%	16.97%
Large U.S. Equity	BNY Mellon Sustainable U.S. Equity Portfolio, Inc. Service Shares	BNY Mellon Investment Adviser, Inc./ Newton Investment Management North America, LLC	0.91%	15.67%	11.65%	13.27%
Large U.S. Equity	BNY Mellon Variable Investment Fund Appreciation Portfolio Service Shares	BNY Mellon Investment Adviser, Inc./ Fayez Sarofim & Co., LLC	1.10%	9.78%	9.08%	12.63%
International Equity	Calvert Variable Trust, Inc. CVT EAFE International Index Portfolio Class F 1	Calvert Research and Management	0.68%	30.64%	8.31%	7.63%
Fixed Income	Calvert Variable Trust, Inc. CVT Investment Grade Bond Index Portfolio Class I 1	Calvert Research and Management/ Ameritas Investment Partners, Inc.	0.57%	6.64%	-0.68%	1.62%
Small/Mid U.S. Equity	Calvert Variable Trust, Inc. CVT Russell 2000 Small Cap Index Portfolio Class F 1	Calvert Research and Management/ Ameritas Investment Partners, Inc.	0.60%	12.23%	5.62%	9.08%
International Equity	Columbia Funds Variable Insurance Trust Acorn International Fund 1,2	Columbia Wanger Asset Management, LLC	1.09%	12.76%	-1.00%	4.31%


Other - Multinarrative	Deutsche DWS Variable Series II DWS Alternative Asset Allocation VIP Class B	DWS Investment Management Americas, Inc./ RREEF American L.L.C.	1.31%	10.03%	4.88%	4.52%
Small/Mid U.S. Equity	Deutsche DWS Variable Series II DWS Small Mid Cap Value VIP Class B	DWS Investment Management Americas, Inc.	1.17%	17.85%	9.27%	7.18%
Large U.S. Equity	Fidelity® Variable Insurance Products Trust I Fidelity® VIP Equity-Income Portfolio SM Service Class 2	Fidelity Management & Research Company, LLC/ FMR Investment Management (UK) Limited (FMR UK) Fidelity Management & Research (Hong Kong) Limited (FMR H.K.) Fidelity Management & Research (Japan) Limited (FMR Japan)	0.71%	18.75%	12.23%	11.32%


Fixed Income	Fidelity® Variable Insurance Products Trust I Fidelity® VIP High Income Portfolio Service Class 2	Fidelity Management & Research Company, LLC/ FMR Investment Management (UK) Limited (FMR UK) Fidelity Management & Research (Hong Kong) Limited (FMR H.K.) Fidelity Management & Research (Japan) Limited (FMR Japan)	1.06%	10.31%	4.00%	5.34%
Large U.S. Equity	Fidelity® Variable Insurance Products Trust II Fidelity® VIP Contrafund SM Portfolio Service Class 2	Fidelity Management & Research Company, LLC/ FMR Investment Management (UK) Limited (FMR UK) Fidelity Management & Research (Hong Kong) Limited (FMR H.K.) Fidelity Management & Research (Japan) Limited (FMR Japan)	0.79%	21.24%	15.08%	15.49%
Small/Mid U.S. Equity	Fidelity® Variable Insurance Products Trust II Fidelity® VIP Extended Market Index Portfolio Service Class 2	Fidelity Management & Research Company, LLC/ Geode	0.37%	12.03%	7.75%


International Equity	Fidelity® Variable Insurance Products Trust II Fidelity® VIP International Index Portfolio Service Class 2	Fidelity Management & Research Company, LLC/ Geode	0.41%	32.82%	7.76%	6.79%
Asset Allocation	Fidelity® Variable Insurance Products Trust II Fidelity® VIP Total Market Index Portfolio Service Class 2	Fidelity Management & Research Company, LLC/ Geode	0.36%	16.86%	12.86%
Small/Mid U.S. Equity	Fidelity® Variable Insurance Products Trust III Fidelity® VIP Mid Cap Portfolio Service Class 2	Fidelity Management & Research Company, LLC/ FMR Investment Management (UK) Limited (FMR UK) Fidelity Management & Research (Hong Kong) Limited (FMR H.K.) Fidelity Management & Research (Japan) Limited (FMR Japan)	0.80%	11.49%	9.83%	10.31%


Other - Consumer Defensive	Fidelity® Variable Insurance Products Trust IV Fidelity® VIP Consumer Staples Portfolio Service Class 2	Fidelity Management & Research Company, LLC/ FMR Investment Management (UK) Limited (FMR UK) Fidelity Management & Research (Hong Kong) Limited (FMR H.K.) Fidelity Management & Research (Japan) Limited (FMR Japan)	0.86%	-3.23
Other - Equity Energy	Fidelity® Variable Insurance Products Trust IV Fidelity® VIP Energy Portfolio Service Class 2	Fidelity Management & Research Company, LLC/ FMR Investment Management (UK) Limited (FMR UK) Fidelity Management & Research (Hong Kong) Limited (FMR H.K.) Fidelity Management & Research (Japan) Limited (FMR Japan)	0.85%	10.34%	23.86%	7.69%


Money Market	Fidelity® Variable Insurance Products Trust V Fidelity® VIP Government Money Market Portfolio Service Class	Fidelity Management & Research Company, LLC/ FMR Investment Management (UK) Limited (FMR UK) Fidelity Management & Research (Hong Kong) Limited (FMR H.K.) Fidelity Management & Research (Japan) Limited (FMR Japan)	0.35%	4.03%	3.02%	1.95%
Fixed Income	Fidelity® Variable Insurance Products Trust V Fidelity® VIP Strategic Income Portfolio Service Class 2	Fidelity Management & Research Company, LLC/ FMR Investment Management (UK) Limited (FMR UK) Fidelity Management & Research (Hong Kong) Limited (FMR H.K.) Fidelity Management & Research (Japan) Limited (FMR Japan)	0.50%	3.86%	2.90%	1.83%
Balanced/Asset Allocation	Franklin Templeton Variable Insurance Product Trust Franklin Income VIP Fund Class 2	Franklin Advisers, Inc.	0.72%	12.56%	7.66%	7.30%


International Equity	Franklin Templeton Variable Insurance Product Trust Franklin Mutual Global Discovery VIP Fund Class 2	Franklin Mutual Advisers, LLC	1.16%	23.34%	12.00%	8.52%
Large U.S. Equity	Franklin Templeton Variable Insurance Product Trust Franklin Mutual Shares VIP Fund Class 2	Franklin Mutual Advisers, LLC	0.94%	11.52%	9.20%	7.53%
Large U.S. Equity	Franklin Templeton Variable Insurance Product Trust Franklin Rising Dividends VIP Fund Class 2	Franklin Advisers, Inc.	0.89%	11.80%	9.50%	12.10%
Small/Mid U.S. Equity	Franklin Templeton Variable Insurance Product Trust Franklin Small Cap Value VIP Fund Class 2 1	Franklin Mutual Advisers, LLC	0.91%	7.65%	8.86%	9.81%
Fixed Income	Franklin Templeton Variable Insurance Product Trust Franklin Strategic Income VIP Fund Class 2 1	Franklin Advisers, Inc.	1.07%	7.24%	1.92%	3.10%
Fixed Income	Franklin Templeton Variable Insurance Product Trust Franklin U.S. Government Securities VIP Fund Class 2	Franklin Advisers, Inc.	0.79%	6.69%	0.02%	1.14%
International Equity	Franklin Templeton Variable Insurance Product Trust Templeton Developing Markets VIP Fund Class 2	Templeton Asset Management, Ltd./Franklin Templeton Investment Management Limited	1.37%	46.27%	5.46%	10.40%


International Equity	Franklin Templeton Variable Insurance Product Trust Templeton Foreign VIP Fund Class 21	Templeton Asset Management, Ltd./Franklin Templeton Investment Management Limited	1.08%	29.19%	8.25%	5.75%
Fixed Income	Franklin Templeton Variable Insurance Product Trust Templeton Global Bond VIP Fund Class 2 1	Templeton Asset Management, Ltd.	0.75%	15.73%	-0.96%	-0.15%
Large U.S. Equity	Invesco Variable Insurance Funds Invesco V.I. American Franchise Fund Series II	Invesco Advisers, Inc.	0.85%	11.67%	10.35%	14.87%
Small/Mid U.S. Equity	Invesco Variable Insurance Funds Invesco V.I. American Value Fund Series I	Invesco Advisers, Inc.	0.89%	21.00%	17.85%	12.29%
Large U.S. Equity	Invesco Variable Insurance Funds Invesco V.I. Core Equity Fund Series II	Invesco Advisers, Inc.	1.05%	15.88%	12.52%	11.46%
Small/Mid U.S. Equity	Invesco Variable Insurance Funds Invesco V.I. Discovery Mid Cap Growth Fund Series I	Invesco Advisers, Inc.	0.86%	4.79%	3.90%	11.38%
International Equity	Invesco Variable Insurance Funds Invesco V.I. EQV International Equity Fund Series I	Invesco Advisers, Inc.	0.90%	16.50%	3.68%	6.22%
Other - Global Real Estate	Invesco Variable Insurance Funds Invesco V.I. Global Real Estate Fund Series I	Invesco Advisers, Inc.	1.02%	7.85%	1.73%	2.44%
Other - Health	Invesco Variable Insurance Funds Invesco V.I. Health Care Fund Series I	Invesco Advisers, Inc.	0.99%	15.33%	3.80%	6.58%
Small/Mid U.S. Equity	Invesco Variable Insurance Funds Invesco V.I. Main Street Mid Cap Fund Series II	Invesco Advisers, Inc.	1.19%	8.96%	8.83%	9.08%


Small/Mid U.S. Equity	Invesco Variable Insurance Funds Invesco V.I. Main Street Small Cap Fund® Series II	Invesco Advisers, Inc.	1.09%	8.44%	8.07%	10.31%
Small/Mid U.S. Equity	Invesco Variable Insurance Funds Invesco V.I. Small Cap Equity Fund Series I	Invesco Advisers, Inc.	0.96%	8.05%	7.32%	9.55%
International Equity	Janus Aspen Series Trust Janus Henderson Global Sustainable Equity Portfolio Service Shares 1	Janus Henderson Investors US LLC	0.99%	17.26%
Balanced/Asset Allocation	Janus Aspen Series Trust Janus Henderson Balanced Portfolio Service Shares	Janus Henderson Investors US LLC	0.87%	14.82%	8.21%	9.86%
Small/Mid U.S. Equity	Janus Aspen Series Trust Janus Henderson Enterprise Portfolio Service Shares	Janus Henderson Investors US LLC	0.97%	7.41%	7.35%	12.51%
Fixed Income	Janus Aspen Series Trust Janus Henderson Flexible Bond Portfolio Service Shares 1	Janus Henderson Investors US LLC	0.82%	7.22%	-0.47%	2.07%
Large U.S. Equity	Janus Aspen Series Trust Janus Henderson Forty Portfolio Service Shares	Janus Henderson Investors US LLC	0.87%	17.86%	11.37%	15.96%
International Equity	Janus Aspen Series Trust Janus Henderson Global Research Portfolio Service Shares	Janus Henderson Investors US LLC	1.07%	20.60%	12.23%	12.64%
Other - Technology	Janus Aspen Series Trust Janus Henderson Global Technology and Innovation Portfolio Service Shares	Janus Henderson Investors US LLC	0.97%	24.84%	13.44%	21.18%
Small/Mid U.S. Equity	Legg Mason Partners Variable Income Trust ClearBridge Variable Mid Cap Portfolio Class I	Franklin Templeton Fund Adviser, LLC/ ClearBridge Investments, LLC	0.82%	4.35%	4.50%	7.50%


Small/Mid U.S. Equity	Legg Mason Partners Variable Income Trust ClearBridge Variable Small Cap Growth Portfolio Class I	Franklin Templeton Fund Adviser, LLC/ ClearBridge Investments, LLC	0.81%	9.23%	-0.20%	9.38%
Small/Mid U.S. Equity	Lincoln Variable Insurance Products Trust LVIP American Century Capital Appreciation Fund Service Class	Lincoln Financial Investments Corporation/ American Century Investment Management, Inc.	0.62%	6.56%	5.02%	11.31%
Large U.S. Equity	Lincoln Variable Insurance Products Trust LVIP Avantis Large Cap Value Fund Service Class 6	Lincoln Financial Investments Corporation/ American Century Investment Management, Inc.	0.96%	14.56%	8.51%	10.12%
Inflation - Protected Bond	Lincoln Variable Insurance Products Trust LVIP American Century Inflation Protection Fund Service Class	Lincoln Financial Investments Corporation/ American Century Investment Management, Inc.	0.72%	6.33%	0.62%	2.61%
International Equity	Lincoln Variable Insurance Products Trust LVIP American Century International Fund Service Class	Lincoln Financial Investments Corporation/ American Century Investment Management, Inc.	0.95%	15.81%	1.71%	6.27%


Small/Mid U.S. Equity	Lincoln Variable Insurance Products Trust LVIP American Century Mid Cap Value Fund Service Class	Lincoln Financial Investments Corporation/ American Century Investment Management, Inc.	1.01%	8.83%	8.72%	8.96%
Large U.S. Equity	Lincoln Variable Insurance Products Trust LVIP American Century Value Fund Service Class	Lincoln Financial Investments Corporation/ American Century Investment Management, Inc.	0.86%	15.85%	11.47%	10.07%
Small/Mid U.S. Equity	Lord Abbett Series Fund, Inc. Developing Growth Portfolio Class VC 1	Lord Abbett	1.27%	14.59%	-1.17%	11.03%
International Equity	MFS® Variable Insurance Trust MFS® Global Equity Series Service Class 1	Massachusetts Financial Services Company	1.18%	13.28%	5.45%	8.64%
Large U.S. Equity	MFS® Variable Insurance Trust MFS® Growth Series Service Class 1	Massachusetts Financial Services Company	0.98%	11.90%	10.82%	15.31%
Small/Mid U.S. Equity	MFS® Variable Insurance Trust MFS® New Discovery Series Service Class 1	Massachusetts Financial Services Company	1.12%	12.56%	-0.54%	10.46%
Balanced/Asset Allocation	MFS® Variable Insurance Trust MFS® Total Return Series Service Class	Massachusetts Financial Services Company	0.86%	10.91%	6.16%	7.36%
Other - Utilities	MFS® Variable Insurance Trust MFS® Utilities Series Service Class 1	Massachusetts Financial Services Company	1.03%	14.76%	7.38%	9.22%


Large U.S. Equity	MFS® Variable Insurance Trust MFS® Value Series Service Class 1	Massachusetts Financial Services Company	0.94%	12.77%	9.69%	9.77%
Small/Mid U.S. Equity	MFS® Variable Insurance Trust III MFS® Blended Research Small Cap Equity Portfolio 1	Massachusetts Financial Services Company	0.83%	5.49%	6.62%	8.82%
International Equity	MFS® Variable Insurance Trust II MFS® International Intrinsic Equity Portfolio Service Class 1,5	Massachusetts Financial Services Company	1.14%	32.96%	7.02%	9.68%
International Equity	MFS® Variable Insurance Trust II MFS® Research International Portfolio Service Class 1	Massachusetts Financial Services Company	1.15%	21.75%	5.25%	7.27%
Fixed Income	MFS® Variable Insurance Trust III MFS® Inflation-Adjusted Bond Portfolio Service Class 1	Massachusetts Financial Services Company	0.85%	8.17%	-3.35%	0.84%
Small/Mid U.S. Equity	MFS® Variable Insurance Trust III MFS® Mid Cap Value Portfolio Service Class 1	Massachusetts Financial Services Company	1.04%	5.75%	9.90%	9.69%
Small/Mid U.S. Equity	MFS® Variable Insurance Trust III MFS® New Discovery Value Portfolio Service Class 1	Massachusetts Financial Services Company	1.13%	2.88%	8.22%	10.30%
Small/Mid U.S. Equity	Neuberger Berman Advisers Management Trust Mid Cap Growth Portfolio Class S 1	Neuberger Berman Investment Advisers, LLC	1.11%	5.23%	4.27%	10.71%
Large U.S. Equity	Neuberger Berman Advisers Management Trust Quality Equity Portfolio Class I 3	Neuberger Berman Investment Advisers, LLC	0.87%	13.74%	12.83%	12.94%


Small/Mid U.S. Equity	Nomura Funds Nomura VIP Small Cap Value Series Service Class 1,4	Delaware Management Company, a series of Nomura Investment Management Business Trust	1.04%	7.83%	8.93%	8.84%
Asset Allocation	Northern Lights Variable Trust TOPS TM Managed Risk Balanced ETF Portfolio Class 2	Valmark Advisers, Inc./ Milliman Financial Risk Management, LLC	0.76%	9.03%	3.83%	4.92%
Asset Allocation	Northern Lights Variable Trust TOPS TM Managed Risk Moderately Aggressive ETF Portfolio Class 2 7	Valmark Advisers, Inc./ Milliman Financial Risk Management, LLC	0.75%	11.65%	5.36%	6.13%
Asset Allocation	Northern Lights Variable Trust TOPS TM Managed Risk Moderate ETF Portfolio Class 2 8	Valmark Advisers, Inc./ Milliman Financial Risk Management, LLC	0.75%	10.36%	4.74%	5.72%
Balanced/Asset Allocation	PIMCO Variable Insurance Trust PIMCO All Asset Portfolio Administrative Class 1	Pacific Investment Management Company, LLC	2.13%	14.20%	5.60%	6.77%
Other - Commodities	PIMCO Variable Insurance Trust PIMCO CommodityRealReturn®Strategy Portfolio Administrative Class	Pacific Investment Management Company, LLC	0.86%	18.79%	10.55%	6.54%
Fixed Income	PIMCO Variable Insurance Trust PIMCO Emerging Markets Bond Portfolio Administrative Class	Pacific Investment Management Company, LLC	1.17%	14.98%	2.44%	5.06%
Fixed Income	PIMCO Variable Insurance Trust PIMCO High Yield Portfolio Administrative Class	Pacific Investment Management Company, LLC	0.81%	8.95%	3.97%	5.57%


Global Bond - USD Hedged	PIMCO Variable Insurance Trust PIMCO International Bond Portfolio (U.S. Dollar-Hedged) Administrative Class 4	Pacific Investment Management Company, LLC	1.09%	3.95%	1.03%	2.88%
Fixed Income	PIMCO Variable Insurance Trust PIMCO Long-Term U.S. Government Portfolio Administrative Class	Pacific Investment Management Company, LLC	2.48%	6.15%	-6.82%	0.01%
Short-Term Fixed Income	PIMCO Variable Insurance Trust PIMCO Low Duration Portfolio Administrative Class	Pacific Investment Management Company, LLC	0.66%	5.52%	1.57%	1.79%
Fixed Income	PIMCO Variable Insurance Trust PIMCO Real Return Portfolio Administrative Class	Pacific Investment Management Company, LLC	1.39%	7.85%	1.21%	3.21%
Short-Term Fixed Income	PIMCO Variable Insurance Trust PIMCO Short-Term Portfolio Administrative Class	Pacific Investment Management Company, LLC	0.65%	4.67%	3.25%	2.76%
Fixed Income	PIMCO Variable Insurance Trust PIMCO Total Return Portfolio Administrative Class	Pacific Investment Management Company, LLC	0.73%	8.89%	0.02%	2.36%
Fixed Income	Principal Variable Contract Funds, Inc. PVC – Bond Market Index Account Class 1	Principal Global Investors, LLC	0.15%	7.16%	-0.52%	1.80%
Fixed Income	Principal Variable Contract Funds, Inc. PVC – Core Plus Bond Account Class 1	Principal Global Investors, LLC	0.50%	7.46%	-0.48%	2.36%
International Equity	Principal Variable Contract Funds, Inc. PVC – Diversified International Account Class 1	Principal Global Investors, LLC	0.86%	32.36%	7.40%	8.08%
Large U.S. Equity	Principal Variable Contract Funds, Inc. PVC – Equity Income Account Class 1	Principal Global Investors, LLC	0.48%	15.50%	10.21%	11.51%


International Equity	Principal Variable Contract Funds, Inc. PVC – Global Emerging Markets Account Class 1	Principal Global Investors, LLC	1.12%	37.27%	5.06%	8.12%
Fixed Income	Principal Variable Contract Funds, Inc. PVC – Government & High-Quality Bond Account Class 1	Principal Global Investors, LLC	0.50%	7.91%	-0.23%	1.26%
Large U.S. Equity	Principal Variable Contract Funds, Inc. PVC – Large Cap Growth Account I Class 1 1	Principal Global Investors, LLC/ Los Angeles Capital Management, LLC T. Rowe Price Associates, Inc. Westfield Capital Management Company, L.P.	0.67%	11.39%	9.44%	15.00%
Large U.S. Equity	Principal Variable Contract Funds, Inc. PVC – Large Cap S&P 500 Index Account Class 1	Principal Global Investors, LLC/ Spectrum Asset Management, Inc.	0.20%	17.62%	14.14%	14.52%
Small/Mid U.S. Equity	Principal Variable Contract Funds, Inc. PVC – MidCap Account Class 1	Principal Global Investors, LLC	0.53%	1.78%	8.33%	12.58%


Large U.S. Equity	Principal Variable Contract Funds, Inc. PVC – Principal Capital Appreciation Account Class 1	Principal Global Investors, LLC	0.63%	13.52%	13.82%	14.35%
Asset Allocation	Principal Variable Contract Funds, Inc. PVC – Principal LifeTime 2020 Account Class 1	Principal Global Investors, LLC	0.47%	11.33%	4.65%	6.77%
Asset Allocation	Principal Variable Contract Funds, Inc. PVC – Principal LifeTime 2030 Account Class 1	Principal Global Investors, LLC	0.50%	13.21%	5.91%	8.07%
Asset Allocation	Principal Variable Contract Funds, Inc. PVC – Principal LifeTime 2040 Account Class 1	Principal Global Investors, LLC	0.54%	15.57%	7.56%	9.35%
Asset Allocation	Principal Variable Contract Funds, Inc. PVC – Principal LifeTime 2050 Account Class 1	Principal Global Investors, LLC	0.58%	17.50%	8.77%	10.22%
Asset Allocation	Principal Variable Contract Funds, Inc. PVC – Principal LifeTime 2060 Account Class 1	Principal Global Investors, LLC	0.61%	17.68%	8.97%	10.35%
Asset Allocation	Principal Variable Contract Funds, Inc. PVC – Principal LifeTime Strategic Income Account Class 1	Principal Global Investors, LLC	0.48%	10.45%	3.48%	4.98%
Small/Mid U.S. Equity	Principal Variable Contract Funds, Inc. PVC – Real Estate Securities Account Class 1	Principal Global Investors, LLC	0.78%	1.24%	4.88%	5.94%


Short - Term Fixed Income	Principal Variable Contract Funds, Inc. PVC – Short-Term Income Account Class 1	Principal Global Investors, LLC	0.42%	5.48%	2.33%	2.52%
Small/Mid U.S. Equity	Principal Variable Contract Funds, Inc. PVC – SmallCap Account Class 1	Principal Global Investors, LLC	0.84%	15.10%	6.29%	9.57%
Asset Allocation	Principal Variable Contract Funds, Inc. PVC – Strategic Asset Management (SAM) – Balanced Portfolio Class 1	Principal Global Investors, LLC	0.68%	14.00%	7.27%	8.29%
Asset Allocation	Principal Variable Contract Funds, Inc. PVC – Strategic Asset Management (SAM) – Conservative Balanced Portfolio Class 1	Principal Global Investors, LLC	0.67%	11.69%	5.04%	6.39%
Asset Allocation	Principal Variable Contract Funds, Inc. PVC – Strategic Asset Management (SAM) – Conservative Growth Portfolio Class 1	Principal Global Investors, LLC	0.72%	15.56%	9.00%	9.94%
Asset Allocation	Principal Variable Contract Funds, Inc. PVC – Strategic Asset Management (SAM) – Flexible Income Portfolio Class 1	Principal Global Investors, LLC	0.64%	9.96%	3.57%	5.12%
Asset Allocation	Principal Variable Contract Funds, Inc. PVC – Strategic Asset Management (SAM) – Strategic Growth Portfolio Class 1	Principal Global Investors, LLC	0.75%	16.86%	10.16%	10.96%


International Equity	Putnam Variable Trust Putnam VT International Value Fund Class IB	Putnam Management, LLC (d/b/a Putnam Management)/ Franklin Advisers, Inc.	1.06%	34.68%	12.49%	8.86%
Large U.S. Equity	Putnam Variable Trust Putnam VT Large Cap Growth Fund Class IB	Putnam Management, LLC (d/b/a Putnam Management)/ Franklin Advisers, Inc.	0.88%	14.34%	13.44%	17.66%
Small/Mid U.S. Equity	Putnam Variable Trust Putnam VT Small Cap Growth Fund Class IB 1	Putnam Management, LLC (d/b/a Putnam Management)/ Franklin Advisers, Inc.	1.12%	8.80%	6.18%	11.45%
Small/Mid U.S. Equity	Putnam Variable Trust Putnam VT Small Cap Value Fund Class IB	Putnam Management, LLC (d/b/a Putnam Management)/ Franklin Advisers, Inc.	1.02%	5.27%	10.99%	9.13%
Other - Natural Resources	Rydex Variable Trust Basic Materials Fund Rydex VT 1	Security Investors, LLC (d/b/a Guggenheim Investments)	1.78%	32.89%	9.42%	11.58%
Other - Utilities	Rydex Variable Trust Utilities Fund Rydex VT 1	Security Investors, LLC (d/b/a Guggenheim Investments)	1.79%	17.07%	8.56%	8.60%
Other - Health	T. Rowe Price Equity Series, Inc. Health Sciences Portfolio II Class	T. Rowe Price	1.11%	17.80%	3.86%	8.70%


Other - Natural Resources	VanEck Variable Insurance Products Trust VanEck VIP Global Resources Fund Initial Class	VanEck Associates Corporation	1.08%	36.48%	10.51%	8.33%
Balanced/Asset Allocation	Vanguard Variable Insurance Funds Vanguard VIF Balanced Portfolio	Wellington Management Company, LLP	0.20%	16.46%	9.29%	10.03%
Balanced/Asset Allocation	Vanguard Variable Insurance Funds Vanguard VIF Conservative Allocation Portfolio 3	The Vanguard Group, Inc.	0.12%	12.73%	4.22%	6.14%
Large U.S. Equity	Vanguard Variable Insurance Funds Vanguard VIF Equity Income Portfolio 3	Wellington Management Company, LLP	0.29%	16.80%	12.59%	11.52%
Fixed Income	Vanguard Variable Insurance Funds Vanguard VIF Global Bond Index Portfolio	The Vanguard Group, Inc.	0.13%	5.69%	-0.41%
Small/Mid U.S. Equity	Vanguard Variable Insurance Funds Vanguard VIF International Portfolio	Schroder Investment Management North America Inc.; Baillie Gifford Overseas Ltd.	0.32%	19.97%	0.62%	10.48%
Small/Mid U.S. Equity	Vanguard Variable Insurance Funds Vanguard VIF Mid-Cap Index Portfolio	The Vanguard Group, Inc.	0.17%	11.54%	8.46%	10.77%
Asset Allocation	Vanguard Variable Insurance Funds Vanguard VIF Real Estate Index Portfolio	The Vanguard Group, Inc.	0.26%	3.11%	4.51%	5.08%

1.The Fund's current expenses are subject to a temporary expense reimbursement and/or fee waiver arrangement that is in place. This arrangement may be terminated in the future and, therefore, the expense figures shown reflect temporary fee reductions. Please refer to the Fund's prospectus for more information.

2.This fund is closed to new investors with an application signature date of February 1, 2013, and after.

3.This fund became available for investment on June 5, 2023.

4.This fund became available for investment on May 31, 2025.

5.Prior to June 2, 2025, the name of this fund was the Wanger Acorn International Fund.

6.Prior to July 28, 2025, the name of this fund was the AMT Sustainable Equity Portfolio.

7.Prior to December 1, 2025, the name of this fund was the Macquarie VIP Small Cap Value Series.

8.Prior to April 30, 2026, the name of this fund was the MFS ® International Intrinsic Value Portfolio.

9.Prior to May 1, 2026, the name of this fund was the LVIP American Century Disciplined Core Value Fund.

10.Prior to May 1, 2026, the name of this fund was the TOPS ® Managed Risk Growth ETF Portfolio.

11.Prior to May 1, 2026, the name of this fund was the TOPS ® Managed Risk Moderate Growth ETF Portfolio.

12.Prior to May 1, 2026, the name of this fund was the Global Small Capitalization Fund.

13.Prior to May 1, 2026, the name of this fund was the International Fund.

Risk [Text Block]

You can lose money by investing in a Policy.

Risk [Text Block]

The Policy is not a short-term investment and is not appropriate for an investor that needs ready access to cash.

Withdrawals will reduce the value of your Policy and the death benefit and may lead to adverse tax consequences.

Risk [Text Block]

An investment in the Policy is subject to the risk of poor investment performance and can vary depending on the performance of the investment options available under the Policy (e.g., the Underlying Funds). Each investment option (including the Fixed Account) has its own unique risks. A comprehensive discussion of the risks of each Underlying Fund may be found in the Underlying Fund’s prospectus. You should review these investment options before making an investment decision.

Insurance Company Risks

An investment in the Policy is subject to the risks related to the Company. Any obligations, guarantees, or benefits are subject to the claims-paying ability of the Company. If the Company is unable to meet its obligations to creditors, it is possible that the Company's obligations to you under this Policy may not be satisfied.

Policy Termination (Lapse)

On an ongoing basis, the Policy’s Net Surrender Value must be sufficient to cover the Monthly Policy Charges and any Loan Indebtedness. It is possible that poor investment performance, Monthly Policy Charges, Loan Indebtedness, and/or partial surrenders could cause the Policy to lapse unless additional premiums are paid. Partial surrenders and policy loans increase the risk of lapse because the amount of either or both is not available to generate investment return or pay for policy charges. It is possible that the Policy could lapse even if your Policy has a rider that is intended to help you manage the risk of lapse. When the Policy lapses, it terminates with no value and no longer provides any life insurance benefit upon the death of the Insured. If your Policy lapses, you can only reinstate it under certain conditions, including making certain payments.

Adverse Tax Consequences

A full surrender, cancellation of the Policy by lapse or the maturity of the Policy on its maturity date may have adverse tax consequences. If the amount received by the Owner plus any Loan Indebtedness exceeds the premiums paid into the Policy, then the excess generally will be treated as taxable income.

In certain employer-sponsored life insurance arrangements, participants may be required to report for income tax purposes, one or more of the following:

•the value each year of the life insurance protection provided;

•an amount equal to any employer-paid premiums; or

•some or all of the amount by which the current value exceeds the employer’s interest in the Policy.

You should consult with a tax professional to determine the tax implications of an investment in, and payments received under, the Policy. Participants should consult with the sponsor or the administrator of the plan and/or with their personal tax or legal adviser to determine the tax consequences, if any, of their employer-sponsored life insurance arrangements. There is no additional tax benefit to you if the Policy is purchased through a tax-qualified plan or individual retirement account (IRA), and withdrawals will be subject to ordinary income tax and may be subject to tax penalties.

There are other tax issues to consider when you own a life insurance policy. These are described in more detail in TAX ISSUES RELATED TO THE POLICY.

Potentially Harmful Transfer Activity

This Policy is not designed as a vehicle for market timing. Accordingly, your ability to make transfers under the Policy is subject to limitation if we determine, in our sole opinion, that the exercise of that privilege may disadvantage or potentially hurt the rights or interests of other Policy owners. We have limitations and restrictions on transfer activity, which we apply to all owners of the Policy without exception.

Risks Affecting Our Administration of Your Policy

Our operations and/or the activities and operations of our service providers and business partners are subject to certain risks that may be beyond our control, including systems failures and operational disruptions caused by severe natural or man-made events (e.g., natural disasters, pandemics, cyberattacks). These risks are not unique to the Company and they could materially impact our ability to conduct business, safeguard your personal information, and administer the Policy (e.g., calculate Policy values or Unit values, process Policy transactions). These events could also impact the issuers of the securities in which the Underlying Funds invest, which could cause your Policy to lose value.

The Company is highly dependent upon its computer systems and those of its business partners. This makes the Company potentially susceptible to operational and information security risks resulting from a cyberattack or other cybersecurity incident. These risks include direct risks, such as theft, misuse, corruption and destruction of data maintained by the Company, and indirect risks, such as denial of service attacks on service provider websites and other operational disruptions that impede our ability to electronically interact with service providers. Cybersecurity threats, and the methods and devices used to attack systems and networks, evolve constantly (for example, through the increased use of artificial intelligent (“AI”) tools). Although we make substantial efforts to protect our computer systems from these security risks, including internal processes and technological defenses that are preventative or detective, and other controls designed to provide multiple layers of security assurance, there can be no guarantee that we, our service providers, or the Underlying Funds will be able to avoid adverse impacts from cybersecurity incidents, including the types of impacts described above. If your Contract is adversely affected as a result of the failure of our cybersecurity controls, we will take reasonable steps to restore your Contract.

Small/Mid U.S. Equity

0.82%

8.75%

AB Variable Products Series Fund, Inc. International Value Portfolio

Class A

Alliance

Bernstein L.P.

41.70%

6.64%

Small/Mid U.S. Equity

0.90%

(0.44%)

AB Variable Products Series Fund, Inc. Sustainable Global Thematic Portfolio

Class A 1

Alliance Bernstein L.P.

6.32%

10.08%

Asset Allocation

0.76%

6.11%

American Funds Insurance Series® Capital World Bond Fund ®

Class 2

Capital Research and Management Company

9.39%

1.23%

International Equity

0.90%

0.49%

American Funds Insurance Series® Growth Fund

Class 2

Capital Research and Management Company

20.24%

17.97%

International Equity

0.72%

3.40%

American Funds Insurance Series®

New World Fund ®

Class 2 1

Capital Research and Management Company

28.29%

9.25%

Large U.S. Equity

0.50%

13.89%

BNY Mellon Investment Portfolios

MidCap Stock Portfolio

Service Shares 1

BNY Mellon Investment Adviser, Inc.

1.05%

9.39%

BNY Mellon Investment Portfolios

Technology Growth Portfolio

Service Shares

BNY Mellon Investment Adviser, Inc.

1.07%

8.96%

BNY Mellon Sustainable U.S. Equity Portfolio, Inc.

Service Shares

BNY Mellon Investment Adviser, Inc.

0.91%

11.65%

BNY Mellon Variable Investment Fund

Appreciation Portfolio

Service Shares

BNY Mellon Investment Adviser, Inc.

1.10%

9.08%

Calvert Variable Trust, Inc.

CVT EAFE International Index Portfolio

Class F 1

Calvert Research and Management

30.64%

7.63%

Fixed Income

Ameritas Investment Partners, Inc.

6.64%

1.62%

Small/Mid U.S. Equity

Ameritas Investment Partners, Inc.

12.23%

9.08%

International Equity

1.09%

(1.00%)

Deutsche DWS Variable Series II

DWS Alternative Asset Allocation VIP

Class B

DWS Investment Management Americas, Inc.

1.31%

4.88%

Deutsche DWS Variable Series II

DWS Small Mid Cap Value VIP

Class B

DWS Investment Management Americas, Inc.

17.85%

7.18%

Large U.S. Equity

Fidelity Management & Research Company, LLC/ FMR Investment Management (UK) Limited (FMR UK) Fidelity Management & Research (Hong Kong) Limited (FMR H.K.)

Fidelity Management & Research (Japan) Limited (FMR Japan)

18.75%

11.32%

Fixed Income

Fidelity Management & Research Company, LLC/ FMR Investment Management (UK) Limited (FMR UK) Fidelity Management & Research (Hong Kong) Limited (FMR H.K.)

Fidelity Management & Research (Japan) Limited (FMR Japan)

10.31%

5.34%

Large U.S. Equity

Fidelity Management & Research Company, LLC/ FMR Investment Management (UK) Limited (FMR UK) Fidelity Management & Research (Hong Kong) Limited (FMR H.K.)

Fidelity Management & Research (Japan) Limited (FMR Japan)

21.24%

15.49%

Small/Mid U.S. Equity

Geode

12.03%

International Equity

Geode

32.82%

6.79%

Asset Allocation

Geode

16.86%

Fidelity® Variable Insurance Products Trust III

Fidelity® VIP Mid Cap Portfolio

Service Class 2

Fidelity Management & Research Company, LLC/ FMR Investment Management (UK) Limited (FMR UK) Fidelity Management & Research (Hong Kong) Limited (FMR H.K.)

Fidelity Management & Research (Japan) Limited (FMR Japan)

0.80%

9.83%

Fidelity® Variable Insurance Products Trust IV

Fidelity® VIP Consumer Staples Portfolio

Service Class 2

Fidelity Management & Research Company, LLC/ FMR Investment Management (UK) Limited (FMR UK) Fidelity Management & Research (Hong Kong) Limited (FMR H.K.)

Fidelity Management & Research (Japan) Limited (FMR Japan)

0.86%

Fidelity® Variable Insurance Products Trust IV

Fidelity® VIP Energy Portfolio

Service Class 2

Fidelity Management & Research Company, LLC/ FMR Investment Management (UK) Limited (FMR UK) Fidelity Management & Research (Hong Kong) Limited (FMR H.K.)

Fidelity Management & Research (Japan) Limited (FMR Japan)

0.85%

23.86%

Fidelity® Variable Insurance Products Trust V

Fidelity® VIP Government Money Market Portfolio

Service Class

Fidelity Management & Research Company, LLC/ FMR Investment Management (UK) Limited (FMR UK) Fidelity Management & Research (Hong Kong) Limited (FMR H.K.)

Fidelity Management & Research (Japan) Limited (FMR Japan)

0.35%

3.02%

Fidelity® Variable Insurance Products Trust V

Fidelity® VIP Strategic Income Portfolio

Service Class 2

Fidelity Management & Research Company, LLC/ FMR Investment Management (UK) Limited (FMR UK) Fidelity Management & Research (Hong Kong) Limited (FMR H.K.)

Fidelity Management & Research (Japan) Limited (FMR Japan)

0.50%

2.90%

Franklin Templeton Variable Insurance Product Trust

Franklin Income VIP Fund

Class 2

Franklin Advisers, Inc.

12.56%

7.30%

International Equity

1.16%

12.00%

Franklin Templeton Variable Insurance Product Trust

Franklin Mutual Shares VIP Fund

Class 2

Franklin Mutual Advisers, LLC

11.52%

7.53%

Large U.S. Equity

0.89%

9.50%

Franklin Templeton Variable Insurance Product Trust

Franklin Small Cap Value VIP Fund

Class 2 1

Franklin Mutual Advisers, LLC

7.65%

9.81%

Fixed Income

1.07%

1.92%

Franklin Templeton Variable Insurance Product Trust

Franklin U.S. Government Securities VIP Fund

Class 2

Franklin Advisers, Inc.

6.69%

1.14%

International Equity

Franklin Templeton Investment Management Limited

46.27%

10.40%

International Equity

Franklin Templeton Investment Management Limited

29.19%

5.75%

Fixed Income

0.75%

(0.96%)

Invesco Variable Insurance Funds

Invesco V.I. American Franchise Fund

Series II

Invesco Advisers, Inc.

11.67%

14.87%

Small/Mid U.S. Equity

0.89%

17.85%

Invesco Variable Insurance Funds

Invesco V.I. Core Equity Fund

Series II

Invesco Advisers, Inc.

15.88%

11.46%

Small/Mid U.S. Equity

0.86%

3.90%

Invesco Variable Insurance Funds

Invesco V.I. EQV International Equity Fund

Series I

Invesco Advisers, Inc.

16.50%

6.22%

Other - Global Real Estate

1.02%

1.73%

Invesco Variable Insurance Funds

Invesco V.I. Health Care Fund

Series I

Invesco Advisers, Inc.

15.33%

6.58%

Small/Mid U.S. Equity

1.19%

8.83%

Invesco Variable Insurance Funds

Invesco V.I. Main Street Small Cap Fund®

Series II

Invesco Advisers, Inc.

8.44%

10.31%

Small/Mid U.S. Equity

0.96%

7.32%

Janus Aspen Series Trust

Janus Henderson Global Sustainable Equity Portfolio

Service Shares 1

Janus Henderson Investors US LLC

17.26%

Balanced/Asset Allocation

0.87%

8.21%

Janus Aspen Series Trust

Janus Henderson Enterprise Portfolio

Service Shares

Janus Henderson Investors US LLC

7.41%

12.51%

Fixed Income

0.82%

(0.47%)

Janus Aspen Series Trust

Janus Henderson Forty Portfolio

Service Shares

Janus Henderson Investors US LLC

17.86%

15.96%

International Equity

1.07%

12.23%

Janus Aspen Series Trust

Janus Henderson Global Technology and Innovation Portfolio

Service Shares

Janus Henderson Investors US LLC

24.84%

21.18%

Small/Mid U.S. Equity

ClearBridge Investments, LLC

4.35%

7.50%

Small/Mid U.S. Equity

ClearBridge Investments, LLC

9.23%

9.38%

Small/Mid U.S. Equity

American Century Investment Management, Inc.

6.56%

11.31%

Large U.S. Equity

American Century Investment Management, Inc.

14.56%

10.12%

Inflation - Protected Bond

American Century Investment Management, Inc.

6.33%

2.61%

International Equity

American Century Investment Management, Inc.

15.81%

6.27%

Small/Mid U.S. Equity

American Century Investment Management, Inc.

8.83%

8.96%

Large U.S. Equity

American Century Investment Management, Inc.

15.85%

10.07%

Small/Mid U.S. Equity

1.27%

(1.17%)

MFS® Variable Insurance Trust

MFS® Global Equity Series

Service Class 1

Massachusetts Financial Services Company

13.28%

8.64%

Large U.S. Equity

0.98%

10.82%

MFS® Variable Insurance Trust

MFS® New Discovery Series

Service Class 1

Massachusetts Financial Services Company

12.56%

10.46%

Balanced/Asset Allocation

0.86%

6.16%

MFS® Variable Insurance Trust

MFS® Utilities Series

Service Class 1

Massachusetts Financial Services Company

14.76%

9.22%

Large U.S. Equity

0.94%

9.69%

MFS® Variable Insurance Trust III

MFS® Blended Research Small Cap Equity Portfolio 1

Massachusetts Financial Services Company

5.49%

8.82%

International Equity

1.14%

7.02%

MFS® Variable Insurance Trust II

MFS® Research International Portfolio

Service Class 1

Massachusetts Financial Services Company

21.75%

7.27%

Fixed Income

0.85%

(3.35%)

MFS® Variable Insurance Trust III

MFS® Mid Cap Value Portfolio

Service Class 1

Massachusetts Financial Services Company

5.75%

9.69%

Small/Mid U.S. Equity

1.13%

8.22%

Neuberger Berman Advisers Management Trust

Mid Cap Growth Portfolio

Class S 1

Neuberger Berman Investment Advisers, LLC

5.23%

10.71%

Large U.S. Equity

0.87%

12.83%

Nomura Funds

Nomura VIP Small Cap Value Series

Service Class 1,4

Delaware Management Company, a series of Nomura Investment Management Business Trust

7.83%

8.84%

Asset Allocation

Milliman Financial Risk Management, LLC

9.03%

4.92%

Asset Allocation

Milliman Financial Risk Management, LLC

11.65%

6.13%

Asset Allocation

Milliman Financial Risk Management, LLC

10.36%

5.72%

Balanced/Asset Allocation

2.13%

5.60%

PIMCO Variable Insurance Trust

PIMCO CommodityRealReturn®Strategy Portfolio

Administrative Class

Pacific Investment Management Company, LLC

18.79%

6.54%

Fixed Income

1.17%

2.44%

PIMCO Variable Insurance Trust

PIMCO High Yield Portfolio

Administrative Class

Pacific Investment Management Company, LLC

8.95%

5.57%

Global Bond - USD Hedged

1.09%

1.03%

PIMCO Variable Insurance Trust

PIMCO Long-Term U.S. Government Portfolio

Administrative Class

Pacific Investment Management Company, LLC

6.15%

0.01%

Short-Term Fixed Income

0.66%

1.57%

PIMCO Variable Insurance Trust

PIMCO Real Return Portfolio

Administrative Class

Pacific Investment Management Company, LLC

7.85%

3.21%

Short-Term Fixed Income

0.65%

3.25%

PIMCO Variable Insurance Trust

PIMCO Total Return Portfolio

Administrative Class

Pacific Investment Management Company, LLC

8.89%

2.36%

Fixed Income

0.15%

(0.52%)

Principal Variable Contract Funds, Inc.

PVC – Core Plus Bond Account

Class 1

Principal Global Investors, LLC

7.46%

2.36%

International Equity

0.86%

7.40%

Principal Variable Contract Funds, Inc.

PVC – Equity Income Account

Class 1

Principal Global Investors, LLC

15.50%

11.51%

International Equity

1.12%

5.06%

Principal Variable Contract Funds, Inc.

PVC – Government & High-Quality Bond Account

Class 1

Principal Global Investors, LLC

7.91%

1.26%

Large U.S. Equity

Principal Global Investors, LLC/ Los Angeles Capital Management, LLC T. Rowe Price Associates, Inc.

Westfield Capital Management Company, L.P.

11.39%

15.00%

Large U.S. Equity

Spectrum Asset Management, Inc.

17.62%

14.52%

Small/Mid U.S. Equity

0.53%

8.33%

Principal Variable Contract Funds, Inc.

PVC – Principal Capital Appreciation Account

Class 1

Principal Global Investors, LLC

13.52%

14.35%

Asset Allocation

0.47%

4.65%

Principal Variable Contract Funds, Inc.

PVC – Principal LifeTime 2030 Account

Class 1

Principal Global Investors, LLC

13.21%

8.07%

Asset Allocation

0.54%

7.56%

Principal Variable Contract Funds, Inc.

PVC – Principal LifeTime 2050 Account

Class 1

Principal Global Investors, LLC

17.50%

10.22%

Asset Allocation

0.61%

8.97%

Principal Variable Contract Funds, Inc.

PVC – Principal LifeTime Strategic Income Account

Class 1

Principal Global Investors, LLC

10.45%

4.98%

Small/Mid U.S. Equity

0.78%

4.88%

Principal Variable Contract Funds, Inc.

PVC – Short-Term Income Account

Class 1

Principal Global Investors, LLC

5.48%

2.52%

Small/Mid U.S. Equity

0.84%

6.29%

Principal Variable Contract Funds, Inc. PVC – Strategic Asset Management (SAM) – Balanced Portfolio

Class 1

Principal Global Investors, LLC

14.00%

8.29%

Asset Allocation

0.67%

5.04%

Principal Variable Contract Funds, Inc.

PVC – Strategic Asset Management (SAM) – Conservative Growth Portfolio

Class 1

Principal Global Investors, LLC

15.56%

9.94%

Asset Allocation

0.64%

3.57%

Principal Variable Contract Funds, Inc.

PVC – Strategic Asset Management (SAM) – Strategic Growth Portfolio

Class 1

Principal Global Investors, LLC

16.86%

10.96%

International Equity

Franklin Advisers, Inc.

34.68%

8.86%

Large U.S. Equity

Franklin Advisers, Inc.

14.34%

17.66%

Small/Mid U.S. Equity

Franklin Advisers, Inc.

8.80%

11.45%

Small/Mid U.S. Equity

Franklin Advisers, Inc.

5.27%

9.13%

Other - Natural Resources

1.78%

9.42%

Rydex Variable Trust

Utilities Fund

Rydex VT 1

Security Investors, LLC (d/b/a Guggenheim Investments)

17.07%

8.60%

Other - Health

1.11%

3.86%

VanEck Variable Insurance Products Trust

VanEck VIP Global Resources Fund

Initial Class

VanEck Associates Corporation

36.48%

8.33%

Balanced/Asset Allocation

0.20%

9.29%

Vanguard Variable Insurance Funds

Vanguard VIF Conservative Allocation Portfolio 3

The Vanguard Group, Inc.

12.73%

6.14%

Large U.S. Equity

0.29%

12.59%

Vanguard Variable Insurance Funds

Vanguard VIF Global Bond Index Portfolio

The Vanguard Group, Inc.

5.69%

Small/Mid U.S. Equity

0.32%

0.62%

Vanguard Variable Insurance Funds

Vanguard VIF Mid-Cap Index Portfolio

The Vanguard Group, Inc.

11.54%

10.77%

Asset Allocation

0.26%

Sales Load, Description [Text Block]

4.51%

Sales Charge

Sales Load (of Premium Payments), Maximum [Percent]

6.50%

Premium Taxes, Description [Text Block]

Taxes (federal, state and local)

Premium Taxes (of Premium Payments), Maximum [Percent]

3.25%

Other Surrender Fees, Description [Text Block]

Transaction Fee for Unscheduled Partial Surrender

Other Surrender Fees, Maximum [Dollars]

$ 25

Other Surrender Fees (of Other Amount), Maximum [Percent]

2.00%

Transfer Fees, Description [Text Block]

Transfer Fee for Unscheduled Division Transfer

Transfer Fee, Maximum [Dollars]

$ 25

Insurance Cost, Description [Text Block]

Cost of Insurance(1)

Insurance Cost, Maximum [Dollars]

$ 83.33

Sales Load (of Premium Payments), Maximum [Percent]

7.75%

Insurance Cost, Representative Investor [Text Block]

0.00667

Insurance Cost, Minimum [Dollars]

$ 0.00167

Other Transaction Fee, When Deducted [Text Block]

on the date rider benefit begins

Other Transaction Fee (of Other Amount), Maximum [Percent]

7.50%

Under certain circumstances, guarantees the Policy will not lapse when there is large Loan Indebtedness by converting the Policy to paid-up life insurance

Operation of Benefit [Text Block]

Once the benefit begins, certain limitations and restrictions are imposed on the Policy. Consult your tax advisor regarding this rider.

Life Paid-Up Rider (Overloan Protection)

This rider may be elected at any time prior to the Policy Maturity Date. Under certain circumstances, this rider can guarantee the Policy will not lapse when there is large Loan Indebtedness by converting the Policy to paid-up life insurance. The rider benefit will begin on any Monthly Date the following conditions are satisfied:

•the Loan Indebtedness is at least the following percentages of the Surrender Value:

◦92% current (92% guaranteed) for the guideline premium test; or

◦90% current (86% guaranteed) for the cash value accumulation test.

•there is sufficient Net Surrender Value to cover the one-time rider charge;

•the Insured’s Attained Age is 75 years or older;

•the Policy has been in force for at least 15 Policy Years; and

•premiums paid have been surrendered.

The amount of Loan Indebtedness is stated in the annual policy statement you receive each Policy Year. Once the rider benefit begins:

•All values in the Divisions are immediately transferred to the Fixed Account where they will earn interest.

•No further Monthly Policy Charges are deducted for the remaining paid-up death benefit.

•No new premium payments, Face Amount Adjustments, partial surrenders or loans are allowed.

•If death benefit option 2 or 3 is in effect, your death benefit option will change to death benefit option 1 and you may no longer change the death benefit option.

•Your Loan Indebtedness remains and interest will continue to accrue on the Loan Indebtedness. However, loan payments can be submitted.

•All optional riders will automatically be terminated.

There is a one-time maximum charge of 13.5% of the Policy Value, which is taken from the Policy Value on the date the rider benefit begins. For example, if your Policy Value is $100,000, it will be reduced by $13,500 when the benefit begins. We will send you new Data Pages reflecting the change. You have the right to reject this change by giving us Notice.

The Internal Revenue Service has not taken a position on the Life Paid-Up rider. You should consult your tax advisor regarding this rider.

Other Transaction Fee, When Deducted [Text Block]

on the date rider benefit begins

Other Transaction Fee (of Other Amount), Maximum [Percent]

7.50%

Other Transaction Fee (of Other Amount), Maximum [Percent]

7.50%

Other Transaction Fee (of Other Amount), Maximum [Percent]

13.50%

Other Transaction Fee (of Other Amount), Maximum [Percent]

13.50%

Other Transaction Fee, Current [Percent]

7.50%

Other Annual Expense (of Other Amount), Current [Percent]

monthly

0.30%

Other Annual Expense (of Other Amount), Current [Percent]

monthly

0.25%

Other Annual Expense (of Other Amount), Current [Percent]

0.35%

Other Annual Expense, Maximum [Dollars]

monthly

$ 1.08418

Other Annual Expense, Description [Text Block]

Monthly Policy Issue Charge (except as noted below)(1)

Other Annual Expense, Representative [Text Block]

0.06250

Other Annual Expense, Minimum [Dollars]

$ 0.02667

Other Annual Expense, Representative [Text Block]

0.04800

Other Annual Expense, Minimum [Dollars]

$ 0.00547

Other Annual Expense, Representative [Text Block]

0.06250

Other Annual Expense, Minimum [Dollars]

$ 0.02667

Other Annual Expense (of Other Amount), Current [Percent]

annually (accrued daily)

1.00%

Other Annual Expense (of Other Amount), Current [Percent]

annually (accrued daily)

1.00%

Optional Benefit Charge, Description [Text Block]

Supplemental Benefit Rider

Optional Benefit Charge, Representative [Text Block]

0.00873

Optional Benefit Expense, Minimum [Dollars]

$ 0.00374

Optional Benefit Expense (of Benefit Base), Current [Percent]

0.15%

Provides additional insurance (Total Face Amount) at a reduced cost

Operation of Benefit [Text Block]

Our approval, under our then current underwriting guidelines, is required to add this rider. The supplemental cost of insurance rate applies.

For Policy Dates on or after March 2, 2026, Supplemental Benefit Rider asset based charges also apply.

Supplemental Benefit Rider

This rider provides additional insurance (Total Face Amount) at a reduced cost. Our approval, under our then current underwriting guidelines, is required to add this rider.

There is a supplemental cost of insurance charge for the Net Amount at Risk provided by this rider. The supplemental cost of insurance rate varies depending upon the Insured’s gender, issue age, duration since issue and Adjustment, tobacco status, and risk classification, and is determined based on, without limitation, our expectations as to our future earnings, expenses, state and federal taxes, mortality and persistency experience, market conditions, and revenue for profit. For Policy Dates before March 2, 2026, the supplemental cost of insurance rate ranges from a maximum of $83.33333 per $1,000 Net Amount at Risk to $0.00062 per $1,000 Net Amount at Risk. For Policy Dates on or after March 2, 2026, the supplemental cost of insurance rate ranges from a maximum of $83.33333 per $1,000 Net Amount at Risk to $0.00374 per $1,000 Net Amount at Risk.

In addition to the supplemental cost of insurance charge, for Policy Dates on or after March 2, 2026, there is an additional asset based charge for the Supplemental Benefit Rider. The maximum asset based charge for the Supplemental Benefit Rider with or without the Enhanced Cash Surrender Value Rider will always be 0.90% of the Division value per year. The current asset-based charge will be increased by a multiplier if the Enhancement Cash Surrender Value Rider has been elected, depending on the applicable Enhancement Factor option and subject to the maximum charge. See SUMMARY: FEE TABLES and CHARGES AND DEDUCTIONS for additional information about asset based charges under the Policy.

Optional Benefit Charge, When Deducted [Text Block]

monthly

Optional Benefit Expense, Maximum [Dollars]

$ 83.33

Optional Benefit Charge, Representative [Text Block]

0.00200

Permits automatic transfers from one Division to one or more of the other Divisions, or from the Fixed Account to one or more of the Divisions, on a regular basis

Automatic transfers are not available from the Divisions to the Fixed Account

Transfers from the Divisions take place annually, semi-annually, quarterly, or monthly.

Additional limitations apply to scheduled transfers from the Fixed Account.

Automatic Portfolio Rebalancing

Standard Benefit [Flag]

true

Automatic Portfolio Rebalancing

Allows the business to change the Insured when an employee leaves employment or ownership of the business changes

available on business cases only

Death Benefit Guarantee

Standard Benefit [Flag]

true

Death Benefit Guarantee

Enhanced Cash Surrender Value Rider

Optional Benefit [Flag]

true

Temporary Fee Reductions, Current Expenses [Text Block]

Enhanced Cash Surrender Value Rider

The Fund's current expenses are subject to a temporary expense reimbursement and/or fee waiver arrangement that is in place. This arrangement may be terminated in the future and, therefore, the expense figures shown reflect temporary fee reductions. Please refer to the Fund's prospectus for more information.