0001193125-26-192588.txt : 20260430 0001193125-26-192588.hdr.sgml : 20260430 20260429181433 ACCESSION NUMBER: 0001193125-26-192588 CONFORMED SUBMISSION TYPE: 497VPU PUBLIC DOCUMENT COUNT: 2 FILED AS OF DATE: 20260430 DATE AS OF CHANGE: 20260429 EFFECTIVENESS DATE: 20260430 FILER: COMPANY DATA: COMPANY CONFORMED NAME: VARIABLE SEPARATE ACCOUNT CENTRAL INDEX KEY: 0000729522 ORGANIZATION NAME: EIN: 000000000 STATE OF INCORPORATION: TX FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 497VPU SEC ACT: 1933 Act SEC FILE NUMBER: 333-185775 FILM NUMBER: 26918601 BUSINESS ADDRESS: STREET 1: 2727-A ALLEN PARKWAY CITY: HOUSTON STATE: TX ZIP: 77019 BUSINESS PHONE: 3107726000 MAIL ADDRESS: STREET 1: 2727-A ALLEN PARKWAY CITY: HOUSTON STATE: TX ZIP: 77019 FORMER COMPANY: FORMER CONFORMED NAME: VARIABLE SEPARATE ACCOUNT OF ANCHOR NATIONAL LIFE INSUR CO DATE OF NAME CHANGE: 19930408 FORMER COMPANY: FORMER CONFORMED NAME: AMERICAN PATHWAY II SEPARATE ACCOUNT OF ANCHOR NATIONAL LIFE DATE OF NAME CHANGE: 19920703 0000729522 S000010595 VARIABLE SEPARATE ACCOUNT C000124626 Polaris Platinum II 333-185775 497VPU 1 d74589d497vpu.htm 497VPU 497VPU
 
issued by
AMERICAN GENERAL LIFE INSURANCE COMPANY
in all states except in New York
In connection with
VARIABLE SEPARATE ACCOUNT
 
UPDATING SUMMARY PROSPECTUS FOR EXISTING INVESTORS
May 1, 2026
This updating summary prospectus provides updated information about Polaris Platinum II, a flexible premium deferred variable annuity.
The prospectus for the contract contains more information about the contract, such as the contract’s features, benefits, and risks. You can find the current prospectus and other information about the contract online at www.corebridgefinancial.com/ProductProspectuses. You can also obtain this information at no cost by calling (855) 421-2692 or by writing to our Annuity Service Center (P.O. Box 15570, Amarillo, Texas 79105-5570).
 
* * * * * * * * * * * *
 
Additional information about certain investment products, including variable annuities, has been prepared by the SEC’s staff and is available at www.Investor.gov.
Special Terms Used in this Summary Prospectus
 
Accumulation Phase - The period during which you invest money in your contract.
DCA Fixed Account - A fixed interest investment option under which amounts earn interest before they are systematically transferred from a DCA Fixed Account to one or more investment options over a specified period of time.
Fixed Account - An account, if available, in which you may invest money and earn a fixed rate of return. Fixed Accounts are obligations of the General Account.
Living Benefit - An optional benefit designed to help create a guaranteed income stream for life and provide some protection against certain financial risks. (Living Benefits may only be elected at the time you purchase the contract).
Purchase Payment(s) - The money you give us to buy and invest in the contract.
Separate Account - A segregated asset account maintained by the Company separately from the Company’s General Account. The Separate Account consists of Variable Portfolios or subaccounts, each investing in shares of the Underlying Funds.
Underlying Fund(s) - The underlying investment portfolios of the Trusts in which a Variable Portfolio invests.
Variable Portfolio(s) - A variable investment option available under the contract. Each Variable Portfolio, which is a subaccount of the Separate Account, invests in shares or one of the Underlying Funds. Each Underlying fund has its own investment objective.
Updated Information About Your Contract
 
The following is a summary of certain contract features that have changed since the Updating Summary Prospectus dated April 28, 2025. This may not reflect all of the changes that have occurred since you purchased your contract. Please see the prospectus available on www.corebridgefinancial.com/ProductProspectuses for more information.
Optional Living Benefits – MarketLock and MarketLock for Two Second Extension
•
If you purchased your contract between August 31, 2005 and May 1, 2009 with MarketLock optional Living Benefit and you elected to extend the MAV Evaluation Period on the tenth contract anniversary, you will have the opportunity to elect the second extension of the MAV Evaluation Period (second “Extension”) on or about your twentieth contract anniversary. The annualized fee for the second Extension is 0.95%. Please see MARKETLOCK AND MARKET LOCK FOR TWO SECOND EXTENSION in the prospectus.
•
If you purchased your contract between July 10, 2006 and April 30 2008 with MarketLock for Two optional Living Benefit and you elected to extend the MAV Evaluation Period on the tenth contract anniversary, you will have the opportunity to elect the second extension of the MAV Evaluation Period (second “Extension”) on or about your twentieth contract anniversary. The annualized fee for the second Extension is 0.70% (prior to the first withdrawal) and 1.10% (after the first withdrawal). Please see MARKETLOCK AND MARKETLOCK FOR TWO SECOND EXTENSION in the prospectus.
Underlying Fund Change effective on June 2, 2025
•
The CTIVP – Principal Blue Chip Growth Fund was renamed CTIVP – Principal Large Cap Growth Fund.
Underlying Fund Changes effective on July 28, 2025
•
The SA Wellington Government and Quality Bond Portfolio was renamed SA Goldman Sachs Government and Quality Bond Portfolio, and Goldman Sachs Asset Management L.P. became its subadvisor.
•
The SA JPMorgan Global Equities Portfolio was renamed SA Fidelity Institutional AM Global Equities Portfolio and FIAM LLC became its subadvisor.
Underlying Fund Changes effective on May 1, 2026
•
The SA Morgan Stanley International Equities Portfolio was renamed SA BlackRock Advantage International Portfolio and BlackRock Investment Management, LLC became its subadvisor.
•
The Columbia VP – Large Cap Growth Fund was renamed Columbia VP – Cornerstone Growth Fund.
2
Important Information You Should Consider About the Contract
 
 
 
FEES AND EXPENSES
Location in
Prospectus
Are There
Charges or
Adjustments for
Early
Withdrawals?
Yes.
•For Contracts without Polaris Rewards. If you withdraw money from your contract
within 7 years following each Purchase Payment, you may be assessed a withdrawal
charge of up to 7%, as a percentage of each Purchase Payment withdrawn.
•For Contracts with Polaris Rewards. If you withdraw money from your contract within
9 years following your purchase of the contract or your last Purchase Payment, you may
be assessed a withdrawal charge of up to 9%, as a percentage of each Purchase Payment
withdrawn.
For example, if you were to withdraw $100,000 during a withdrawal charge period, you
could be assessed a withdrawal charge of up to $7,000 if your maximum withdrawal
charge is 7% or $9,000 if your maximum withdrawal charge is 9%. This loss will be
greater if there are federal and state income taxes or tax-penalties.
Withdrawal Charges do not apply to certain withdrawals including the withdrawal up to
the annual penalty-free withdrawal amount which equals 10% of your Purchase Payments
not yet withdrawn.
Expenses –
Withdrawal
Charges
Are There
Transaction
Charges?
Yes, in addition to withdrawal charges, you may be charged for other transactions. You will
be charged for each transfer after 15 transfers in any contract year during the Accumulation
Phase. There may also be taxes on Purchase Payments.
Expenses
Are There
Ongoing Fees and
Expenses?
Yes.
The table below describes the current fees and expenses of the contract that you may pay
each year, depending on the investment options and optional benefits you choose. Please
refer to your contract data page for information about the specific fees you will pay each
year based on the options you have elected.
Expenses
Annual Fee
Minimum
Maximum
Base Contract1
1.54%
1.54%
Investment Options2
(Underlying Fund fees and expenses)
0.21%
1.76%
Optional Benefits Available for an
Additional Charge
(For a single optional benefit, if elected)
0.10%3
1.35%4
1 As a percentage of the value in the Separate Account (includes a percentage attributable
to the contract maintenance fee).
2 As a percentage of Underlying Fund net assets.
3 As a percentage of the Income Benefit Base.
4 As a percentage of the Income Base used to calculate the guaranteed benefit. This
represents the maximum charge for the most expensive optional benefit.
Because your contract is customizable, the choices you make affect how much you will pay.
To help you understand the cost of owning your contract, the following table shows the
lowest and highest cost you could pay each year, based on current charges. This estimate
assumes that you do not take withdrawals from the contract, which could add withdrawal
charges that substantially increase costs.
Lowest Annual Cost: $1,553
Highest Annual Cost: $3,740
Assumes:
•Investment of $100,000
•5% annual appreciation
•Least expensive Underlying Fund fees
and expenses
•No optional benefits
•No withdrawal charges
•No additional Purchase Payments,
transfers, or withdrawals
Assumes:
•Investment of $100,000
•5% annual appreciation
•Most expensive combination of optional
benefits and Underlying Fund fees and
expenses
•No withdrawal charges
•No additional Purchase Payments,
transfers, or withdrawals
3
 
RISKS
Location in
Prospectus
Is There a Risk of
Loss from Poor
Performance?
Yes. You can lose money by investing in this contract, including possible loss of your
principal investment.
Principal Risks of
Investing in the
Contract
Is this a
Short-Term
Investment?
No.
•This contract is not designed for short-term investing and may not be appropriate for an
investor who needs ready access to cash. As such, you should not use the contract as a
short-term investment or savings vehicle.
•Charges may apply to withdrawals. Withdrawal charges could significantly reduce the
value of your investment or the amount that you receive upon taking a withdrawal.
Withdrawals may also reduce or terminate contract guarantees and may also be subject to
state and federal income taxes and tax-penalties.
•The benefits of tax deferral, long-term income, and optional Living Benefit guarantees
mean that this contract is generally more beneficial to investors with a long investment
time horizon.
What are the
Risks Associated
with the
Investment
Options?
•An investment in this contract is subject to the risk of poor investment performance and
can vary depending on the performance of the investment options available under the
contract.
•Each investment option (including each Fixed Account option) has its own unique risks.
•You should review the available investment options before making an investment decision.
What are the
Risks Related to
the Insurance
Company?
An investment in the contract is subject to the risks related to us, American General Life
Insurance Company. Any obligations (including under a Fixed Account option), guarantees,
and benefits of the contract are subject to our claims-paying ability. An Owner should look
solely to our financial strength for our claims-paying ability. More information about the
Company, including our financial strength ratings, may be obtained at
https://investors.corebridgefinancial.com/financials/Ratings/default.aspx .
 
RESTRICTIONS
 
Are There Limits
on the Investment
Options?
Yes.
Transfer Restrictions.
•During the Accumulation Phase, you must transfer at least $100 per transfer between any
of the Variable Portfolios and/or any available Fixed Accounts. If less than $100 remains
in any Variable Portfolio or Fixed Account after a transfer, that amount must be
transferred as well. Funds already in your contract cannot be transferred to the DCA
Fixed Account, if available. A transfer request will be priced as of the day it is received
before Market Close. If the transfer request is received after Market Close, the request
will be priced as of the next NYSE business day.
•During the Income Phase, only one transfer per month is permitted between the Variable
Portfolios. No other transfers are allowed during the Income Phase. Transfers will be
effected for the last NYSE business day of the month in which we receive your request for
the transfer. You may not use the DCA Program or the Automatic Asset Rebalancing
Program during the Income Phase.
•Your transfers between the Variable Portfolios are subject to policies designed to deter
frequent and short-term trading.
Investment Restrictions. If you elect an optional Living Benefit, not all investment
options may be available and you must invest in accordance with the applicable investment
requirements. You may be required to invest a certain percentage of your contract value in
a certain investment option. We reserve the right to modify the investment requirements in
the future. If you do not elect any optional benefit, or if the only optional benefit you elect
is a death benefit, your contract is not subject to investment requirements.
Availability of Variable Portfolios. We may, subject to any applicable law, make certain
changes to the Variable Portfolios offered in your contract. We may offer new Variable
Portfolios or stop offering existing Variable Portfolios. New Variable Portfolios may be
made available to existing contract Owners, and Variable Portfolios may be closed to new
or subsequent Purchase Payments, transfers or allocations. In addition, we may also
liquidate the shares of any Variable Portfolio, substitute the shares of one Underlying
Fund held by a Variable Portfolio for another and/or merge Variable Portfolios or
cooperate in a merger of Underlying Funds. To the extent required by the Investment
Company Act of 1940, as amended, we may be required to obtain SEC approval or your
approval.
Investment
Options
4
 
RESTRICTIONS
Location in
Prospectus
Are There Any
Restrictions on
Contract Benefits?
Yes.
•There are restrictions and limitations relating to the benefits offered under the contract
(e.g., death benefits, Living Benefits, DCA Fixed Account, DCA Program, Automatic
Asset Rebalancing Program, Systematic Withdrawal Program, Automatic Payment Plan).
•We reserve the right to modify or terminate the DCA Program, Automatic Asset
Rebalancing Program, Systematic Withdrawal Program, and Automatic Payment Plan.
•Withdrawals that exceed limits specified by the terms of a benefit may reduce the value of
the benefit by an amount greater than the value withdrawn and could terminate the
benefit.
Optional Living
Benefits
Death Benefits
 
TAXES
 
What are the
Contract’s Tax
Implications?
•You should consult with a tax professional to determine the tax implications of an
investment in and payments received under the contract.
•If you purchase the contract through a tax-qualified plan or individual retirement account
(IRA), there is no additional tax benefit under the contract.
•Earnings under your contract are taxed at ordinary income tax rates when withdrawn.
You may have to pay a tax penalty if you take a withdrawal before age 59½.
Taxes
 
CONFLICTS OF INTEREST
 
How Are
Investment
Professionals
Compensated?
Your financial representative may receive compensation for selling this contract to you in the
form of commissions, additional cash compensation, and/or non-cash compensation. We may
share the revenue we earn on this contract with your financial representative’s firm.
Revenue sharing arrangements and commissions may provide selling firms and/or their
registered representatives with an incentive to favor sales of our contracts over other
variable annuity contracts (or other investments) with respect to which a selling firm does
not receive the same level of additional compensation. You should ask your financial
professional about how they are compensated.
Payments in
Connection with
Distribution of the
Contract
Should I
Exchange My
Contract?
Some financial representatives may have a financial incentive to offer you a new contract in
place of the one you already own. You should exchange a contract you already own only if
you determine, after comparing the features, fees, and risks of both contracts, that it is
better for you to purchase the new contract rather than continue to own your existing
contract.
5
Appendix A – Investment Options Available Under The Contract
 
Underlying Funds
The following is a list of Underlying Funds available under the contract. More information about the Underlying Funds is available in the prospectuses for the Underlying Funds, which may be amended from time to time and can be found online at www.corebridgefinancial.com/ProductProspectuses. You can also request this information at no cost by calling (855) 421-2692. Depending on the optional benefits you choose, you may not be able to invest in certain Underlying Funds. See “Investment Requirements For Optional Living Benefits” in this appendix.
The current expenses and performance information below reflect fees and expenses of the Underlying Funds, but do not reflect the other fees and expenses that your contract may charge. Expenses would be higher and performance would be lower if these other charges were included. Each Underlying Fund’s past performance is not necessarily an indication of future performance.
 
Type
Underlying Fund – Share Class
Advisor
Subadvisor (if applicable)
Current
Expenses
Average Annual Total Returns
(as of 12/31/2025)
1 Year
5 Year
10 Year
Asset
Allocation
Franklin Allocation VIP Fund – Class 2
Franklin Advisers, Inc.
0.82%*
12.60%
5.73%
7.32%
 
Franklin Income VIP Fund – Class 2
Franklin Advisers, Inc.
0.72%
12.56%
7.66%
7.30%
 
SA American Funds Asset Allocation Portfolio1 – Class 3
SunAmerica Asset Management, LLC
Capital Research and Management Company
0.80%*
15.57%
8.70%
9.48%
 
SA JPMorgan Diversified Balanced Portfolio – Class 22
SunAmerica Asset Management, LLC
J.P. Morgan Investment Management Inc.
0.89%*
12.82%
5.90%
7.38%
 
SA JPMorgan Diversified Balanced Portfolio – Class 3
SunAmerica Asset Management, LLC
J.P. Morgan Investment Management Inc.
0.99%*
12.65%
5.80%
7.27%
 
SA MFS Total Return Portfolio – Class 22
SunAmerica Asset Management, LLC
Massachusetts Financial Services Company
0.86%
10.83%
6.14%
7.36%
 
SA MFS Total Return Portfolio – Class 3
SunAmerica Asset Management, LLC
Massachusetts Financial Services Company
0.96%
10.69%
6.03%
7.26%
 
SAM (“Strategic Asset Management”) Balanced Portfolio
– Class 12
Principal Global Investors, LLC
0.68%
14.00%
7.27%
8.29%
 
SAM (“Strategic Asset Management”) Balanced Portfolio
– Class 2
Principal Global Investors, LLC
0.93%
13.65%
6.99%
8.01%
 
SAM (“Strategic Asset Management”) Conservative Balanced
Portfolio3 – Class 2
Principal Global Investors, LLC
0.92%
11.28%
4.78%
6.12%
 
SAM (“Strategic Asset Management”) Conservative Growth
Portfolio – Class 12
Principal Global Investors, LLC
0.72%
15.56%
9.00%
9.94%
 
SAM (“Strategic Asset Management”) Conservative Growth
Portfolio – Class 2
Principal Global Investors, LLC
0.97%
15.31%
8.74%
9.67%
 
SAM (“Strategic Asset Management”) Flexible Income Portfolio3
– Class 2
Principal Global Investors, LLC
0.90%
9.61%
3.31%
4.85%
Bond
Columbia VP - Dividend Opportunity Fund4 – Class 1
Columbia Management Investment Advisers, LLC
0.65%*
15.83%
11.88%
10.43%
 
Columbia VP - Income Opportunities Fund4 – Class 1
Columbia Management Investment Advisers, LLC
0.64%*
8.78%
3.86%
5.42%
A-1
Type
Underlying Fund – Share Class
Advisor
Subadvisor (if applicable)
Current
Expenses
Average Annual Total Returns
(as of 12/31/2025)
1 Year
5 Year
10 Year
Bond
(continued)
SA American Century Inflation Managed Portfolio – Class 3
SunAmerica Asset Management, LLC
American Century Investment Management, Inc.
0.85%
6.21%
0.63%
2.06%
 
SA Federated Hermes Corporate Bond Portfolio – Class 22
SunAmerica Asset Management, LLC
Federated Investment Management Company
0.70%
6.88%
0.26%
3.56%
 
SA Federated Hermes Corporate Bond Portfolio – Class 3
SunAmerica Asset Management, LLC
Federated Investment Management Company
0.80%
6.78%
0.15%
3.46%
 
SA Goldman Sachs Government and Quality Bond Portfolio5
– Class 22
SunAmerica Asset Management, LLC
Goldman Sachs Asset Management L.P.5
0.74%
6.45%
-0.92%
1.31%
 
SA Goldman Sachs Government and Quality Bond Portfolio5
– Class 3
SunAmerica Asset Management, LLC
Goldman Sachs Asset Management L.P.5
0.84%
6.31%
-1.02%
1.21%
 
SA JPMorgan MFS Core Bond Portfolio – Class 22
SunAmerica Asset Management, LLC
J.P. Morgan Investment Management Inc. and Massachusetts
Financial Services Company
0.68%*
7.03%
-0.07%
2.30%
 
SA JPMorgan MFS Core Bond Portfolio – Class 3
SunAmerica Asset Management, LLC
J.P. Morgan Investment Management Inc. and Massachusetts
Financial Services Company
0.78%*
6.98%
-0.17%
2.19%
 
SA JPMorgan Ultra-Short Bond Portfolio – Class 22
SunAmerica Asset Management, LLC
J.P. Morgan Investment Management Inc.
0.70%
4.41%
2.30%
1.54%
 
SA JPMorgan Ultra-Short Bond Portfolio – Class 3
SunAmerica Asset Management, LLC
J.P. Morgan Investment Management Inc.
0.80%
4.39%
2.20%
1.45%
 
SA PIMCO Global Bond Opportunities Portfolio – Class 22
SunAmerica Asset Management, LLC
Pacific Investment Management Company, LLC
1.08%*
8.88%
-3.51%
0.45%
 
SA PIMCO Global Bond Opportunities Portfolio – Class 3
SunAmerica Asset Management, LLC
Pacific Investment Management Company, LLC
1.18%*
8.72%
-3.61%
0.35%
 
SA PineBridge High-Yield Bond Portfolio – Class 22
SunAmerica Asset Management, LLC
PineBridge Investments, LLC
0.91%
8.19%
5.15%
7.04%
 
SA PineBridge High-Yield Bond Portfolio – Class 3
SunAmerica Asset Management, LLC
PineBridge Investments, LLC
1.01%
8.16%
5.05%
6.94%
Cash
Goldman Sachs VIT Government Money Market Fund
– Institutional Shares4
Goldman Sachs Asset Management, L.P.
0.18%*
4.20%
3.18%
2.12%
 
Goldman Sachs VIT Government Money Market Fund – Service
Shares
Goldman Sachs Asset Management, L.P.
0.43%*
3.94%
2.98%
1.90%
Stock
American Funds Global Growth Fund6 – Class 2
Capital Research and Management Company
0.66%*
21.63%
8.23%
12.17%
 
American Funds Growth Fund6 – Class 2
Capital Research and Management Company
0.59%
20.23%
13.37%
17.97%
 
American Funds Growth-Income Fund6 – Class 2
Capital Research and Management Company
0.53%
18.06%
13.90%
13.92%
A-2
Type
Underlying Fund – Share Class
Advisor
Subadvisor (if applicable)
Current
Expenses
Average Annual Total Returns
(as of 12/31/2025)
1 Year
5 Year
10 Year
Stock
(continued)
Columbia VP - Cornerstone Growth Fund4,7 – Class 1
Columbia Management Investment Advisers, LLC
0.71%
16.14%
14.04%
15.97%
 
Columbia VP - Overseas Core Fund4 – Class 2
Columbia Management Investment Advisers, LLC
1.05%
37.96%
8.92%
7.55%
 
Columbia VP - Select Mid Cap Growth Fund4 – Class 1
Columbia Management Investment Advisers, LLC
0.83%*
15.14%
7.53%
12.17%
 
Columbia VP - Small Company Growth Fund4,8 – Class 1
Columbia Management Investment Advisers, LLC
0.87%*
21.69%
3.59%
15.19%
 
CTIVP – Principal Large Cap Growth Fund4,9 – Class 1
Columbia Management Investment Advisers, LLC
Principal Global Investors, LLC
0.70%
13.78%
10.47%
14.66%
 
Equity Income Account3 – Class 2
Principal Global Investors, LLC
0.73%
15.25%
9.94%
11.24%
 
Invesco V.I. American Franchise Fund – Series II
Invesco Advisers, Inc.
1.10%
11.39%
10.08%
14.58%
 
Invesco V.I. Comstock Fund – Series II
Invesco Advisers, Inc.
1.00%
17.14%
15.14%
11.67%
 
Invesco V.I. Growth and Income Fund – Series II
Invesco Advisers, Inc.
1.00%
15.30%
12.56%
10.46%
 
Lord Abbett Growth and Income Portfolio – Class VC
Lord, Abbett & Co. LLC
0.93%
17.29%
13.35%
11.12%
 
SA AB Growth Portfolio – Class 22
SunAmerica Asset Management, LLC
AllianceBernstein L.P.
0.78%
12.90%
11.78%
15.97%
 
SA AB Growth Portfolio – Class 3
SunAmerica Asset Management, LLC
AllianceBernstein L.P.
0.88%
12.79%
11.67%
15.85%
 
SA AB Small & Mid Cap Value Portfolio – Class 22
SunAmerica Asset Management, LLC
AllianceBernstein L.P.
1.06%*
2.36%
8.47%
8.38%
 
SA AB Small & Mid Cap Value Portfolio – Class 3
SunAmerica Asset Management, LLC
AllianceBernstein L.P.
1.16%*
2.32%
8.36%
8.27%
 
SA American Funds Global Growth Portfolio1 – Class 3
SunAmerica Asset Management, LLC
Capital Research and Management Company
0.95%*
21.35%
7.94%
11.86%
 
SA American Funds Growth Portfolio1 – Class 3
SunAmerica Asset Management, LLC
Capital Research and Management Company
0.85%*
19.91%
13.07%
17.65%
 
SA American Funds Growth-Income Portfolio1 – Class 3
SunAmerica Asset Management, LLC
Capital Research and Management Company
0.82%*
17.67%
13.57%
13.59%
 
SA BlackRock Advantage International Portfolio10 – Class 22
SunAmerica Asset Management, LLC
BlackRock Investment Management, LLC10
1.02%*
21.14%
5.33%
6.21%
 
SA BlackRock Advantage International Portfolio10 – Class 3
SunAmerica Asset Management, LLC
BlackRock Investment Management, LLC10
1.12%*
20.99%
5.23%
6.11%
 
SA Fidelity Institutional AM Global Equities Portfolio11 – Class 22
SunAmerica Asset Management, LLC
FIAM LLC11
0.97%*
21.97%
13.65%
11.21%
 
SA Fidelity Institutional AM Global Equities Portfolio11 – Class 3
SunAmerica Asset Management, LLC
FIAM LLC11
1.07%*
21.87%
13.53%
11.10%
A-3
Type
Underlying Fund – Share Class
Advisor
Subadvisor (if applicable)
Current
Expenses
Average Annual Total Returns
(as of 12/31/2025)
1 Year
5 Year
10 Year
Stock
(continued)
SA Fidelity Institutional AM Real Estate Portfolio – Class 22
SunAmerica Asset Management, LLC
FIAM LLC
1.00%
1.34%
4.76%
5.28%
 
SA Fidelity Institutional AM Real Estate Portfolio – Class 3
SunAmerica Asset Management, LLC
FIAM LLC
1.10%
1.25%
4.65%
5.18%
 
SA Franklin BW U.S. Large Cap Value Portfolio – Class 22
SunAmerica Asset Management, LLC
Brandywine Global Investment Management, LLC
0.85%*
16.98%
13.69%
11.43%
 
SA Franklin BW U.S. Large Cap Value Portfolio – Class 3
SunAmerica Asset Management, LLC
Brandywine Global Investment Management, LLC
0.95%*
16.83%
13.57%
11.32%
 
SA Franklin Small Company Value Portfolio – Class 3
SunAmerica Asset Management, LLC
Franklin Mutual Advisers, LLC
1.25%*
6.14%
8.32%
9.41%
 
SA Franklin Systematic U.S. Large Cap Value Portfolio – Class 22
SunAmerica Asset Management, LLC
Franklin Advisers, Inc.
0.79%
16.70%
11.61%
12.41%
 
SA Franklin Systematic U.S. Large Cap Value Portfolio – Class 3
SunAmerica Asset Management, LLC
Franklin Advisers, Inc.
0.89%
16.68%
11.52%
12.31%
 
SA Invesco Growth Opportunities Portfolio – Class 22
SunAmerica Asset Management, LLC
Invesco Advisers, Inc.
0.97%
5.99%
-0.86%
8.97%
 
SA Invesco Growth Opportunities Portfolio – Class 3
SunAmerica Asset Management, LLC
Invesco Advisers, Inc.
1.07%
5.92%
-0.96%
8.86%
 
SA Janus Focused Growth Portfolio – Class 22
SunAmerica Asset Management, LLC
Janus Capital Management, LLC
0.95%*
18.23%
11.52%
15.47%
 
SA Janus Focused Growth Portfolio – Class 3
SunAmerica Asset Management, LLC
Janus Capital Management, LLC
1.05%*
18.04%
11.40%
15.34%
 
SA JPMorgan Emerging Markets Portfolio – Class 22
SunAmerica Asset Management, LLC
J.P. Morgan Investment Management Inc.
1.31%*
35.98%
4.46%
8.26%
 
SA JPMorgan Emerging Markets Portfolio – Class 3
SunAmerica Asset Management, LLC
J.P. Morgan Investment Management Inc.
1.41%*
36.00%
4.37%
8.15%
 
SA JPMorgan Equity-Income Portfolio – Class 22
SunAmerica Asset Management, LLC
J.P. Morgan Investment Management Inc.
0.74%
14.43%
10.63%
10.92%
 
SA JPMorgan Equity-Income Portfolio – Class 3
SunAmerica Asset Management, LLC
J.P. Morgan Investment Management Inc.
0.84%
14.31%
10.52%
10.81%
 
SA JPMorgan Large Cap Core Portfolio – Class 22
SunAmerica Asset Management, LLC
J.P. Morgan Investment Management Inc.
0.84%*
14.29%
12.83%
12.56%
 
SA JPMorgan Large Cap Core Portfolio – Class 3
SunAmerica Asset Management, LLC
J.P. Morgan Investment Management Inc.
0.94%*
14.15%
12.71%
12.44%
 
SA JPMorgan Mid-Cap Growth Portfolio – Class 22
SunAmerica Asset Management, LLC
J.P. Morgan Investment Management Inc.
0.92%*
7.94%
4.09%
12.00%
A-4
Type
Underlying Fund – Share Class
Advisor
Subadvisor (if applicable)
Current
Expenses
Average Annual Total Returns
(as of 12/31/2025)
1 Year
5 Year
10 Year
Stock
(continued)
SA JPMorgan Mid-Cap Growth Portfolio – Class 3
SunAmerica Asset Management, LLC
J.P. Morgan Investment Management Inc.
1.02%*
7.86%
3.99%
11.89%
 
SA MFS Large Cap Growth Portfolio – Class 22
SunAmerica Asset Management, LLC
Massachusetts Financial Services Company
0.83%
16.52%
14.96%
15.99%
 
SA MFS Large Cap Growth Portfolio – Class 3
SunAmerica Asset Management, LLC
Massachusetts Financial Services Company
0.93%
16.39%
14.85%
15.87%
 
SA MFS Massachusetts Investors Trust Portfolio – Class 22
SunAmerica Asset Management, LLC
Massachusetts Financial Services Company
0.85%*
13.65%
11.31%
12.48%
 
SA MFS Massachusetts Investors Trust Portfolio – Class 3
SunAmerica Asset Management, LLC
Massachusetts Financial Services Company
0.95%*
13.52%
11.20%
12.37%
 
SA PIMCO RAE International Value Portfolio – Class 22
SunAmerica Asset Management, LLC
Pacific Investment Management Company, LLC
0.99%*
36.03%
10.11%
6.09%
 
SA PIMCO RAE International Value Portfolio – Class 3
SunAmerica Asset Management, LLC
Pacific Investment Management Company, LLC
1.09%*
35.91%
10.00%
5.99%
 
SA Putnam International Value Portfolio – Class 22
SunAmerica Asset Management, LLC
Putnam Investment Management, LLC
1.08%*
35.07%
12.72%
8.90%
 
SA Putnam International Value Portfolio – Class 3
SunAmerica Asset Management, LLC
Putnam Investment Management, LLC
1.18%*
34.95%
12.59%
8.79%
 
SA Wellington Capital Appreciation Portfolio – Class 22
SunAmerica Asset Management, LLC
Wellington Management Company LLP
0.88%
14.38%
8.65%
15.86%
 
SA Wellington Capital Appreciation Portfolio – Class 3
SunAmerica Asset Management, LLC
Wellington Management Company LLP
0.98%
14.26%
8.54%
15.75%
 
SAM (“Strategic Asset Management”) Strategic Growth Portfolio
– Class 12
Principal Global Investors, LLC
0.75%
16.86%
10.16%
10.96%
 
SAM (“Strategic Asset Management”) Strategic Growth Portfolio
– Class 2
Principal Global Investors, LLC
1.00%
16.61%
9.88%
10.69%
Volatility
Control
SA VCP Dynamic Allocation Portfolio – Class 3
SunAmerica Asset Management, LLC
AllianceBernstein L.P.
1.01%
11.13%
5.34%
7.51%
 
SA VCP Dynamic Strategy Portfolio – Class 3
SunAmerica Asset Management, LLC
AllianceBernstein L.P.
1.03%
10.89%
5.66%
7.19%
 
* This Underlying Fund is subject to an expense reimbursement or fee waiver arrangement resulting in a temporary expense reduction. See the Underlying Fund prospectus for additional information.
 
1
Capital Research and Management Company is the investment adviser of the master fund in which this Underlying Fund (Master-Feeder Fund) invests. Under a master-feeder fund structure, the feeder fund does not buy individual securities directly. Rather, the feeder fund invests all of its investment assets in a corresponding master fund, which invests directly in individual securities.
2
Available for investment if you purchased your contract prior to September 30, 2002.
3
Available for investment if you purchased your contract through Chase Investment Services Corporation (formerly known as WaMu Investments, Inc.).
4
Available for investment if you purchased your contract through Banc of America Investment Services, Inc.
5
On July 28, 2025, SA Wellington Government and Quality Bond Portfolio was renamed SA Goldman Sachs Government and Quality Bond Portfolio and Goldman Sachs Asset Management L.P. became its subadvisor.
A-5
6
Available for investment if you purchased your contract prior to May 1, 2007.
7
On May 1, 2026, Columbia VP - Large Cap Growth Fund was renamed Columbia VP - Cornerstone Growth Fund.
8
Closed for additional investment as of June 1, 2021.
9
On June 02, 2025, CTIVP – Principal Blue Chip Growth Fund was renamed CTIVP – Principal Large Cap Growth Fund.
10
On May 1, 2026, SA Morgan Stanley International Equities Portfolio was renamed SA BlackRock Advantage International Portfolio and BlackRock Investment Management, LLC became its subadvisor.
11
On July 28, 2025, SA JPMorgan Global Equities Portfolio was renamed SA Fidelity Institutional AM Global Equities Portfolio and FIAM LLC became its subadvisor.
Fixed Accounts
The following is a list of Fixed Accounts currently available under the contract. We may change the features of the Fixed Accounts listed below, offer new Fixed Accounts, and terminate existing Fixed Accounts. We will provide you with written notice before doing so.
See INVESTMENT OPTIONS - FIXED ACCOUNTS of the prospectus for a description of the Fixed Accounts' features. 
Name
Terms
Minimum Guaranteed Interest Rate
1-Year Fixed Account
1-Year
1%
Dollar Cost Averaging Fixed Account
6-Month, 12-Month, 2-Year
1%
 
 
 
INVESTMENT REQUIREMENTS FOR OPTIONAL LIVING BENEFITS
If you elected an optional Living Benefit, your contract is subject to investment requirements, as reflected below. Depending on the optional Living Benefit you elected, you may not be able to invest in certain investment options. If you did not elect any optional benefits, or if the only optional benefit you elected is a death benefit, your contract is not subject to investment requirements.
This section contains the investment requirements for the following optional Living Benefits:
•
MarketLock for Life
•
MarketLock Income Plus, MarketLock For Life Plus, or MarketLock For Life Plus +6% Option
•
MarketLock for Life Plus 7% Option
•
MarketLock For Life Plus +6% Extensions or MarketLock for Life Plus 7% Extensions
•
MarketLock Income Plus (Extensions for contracts issued between May 1, 2008 – May 3, 2009)
•
MarketLock Income Plus, MarketLock For Life Plus, or MarketLock for Life (Extensions)
MARKETLOCK FOR LIFE
If you elected the optional MarketLock For Life Living Benefit, you may comply with investment requirements by allocating your investments in one of four ways:
1.
100% in either the SA JPMorgan Ultra-Short Bond Portfolio or Goldman Sachs VIT Government Money Market Fund; or
2.
100% in either Allocation 1, 2 or 3 (Please see POLARIS PORTFOLIO ALLOCATOR PROGRAM FOR CONTRACTS ISSUED PRIOR TO FEBRUARY 6, 2017 later in this Appendix for the allocations for the formerly available Polaris Portfolio Allocator Models.); or
3.
100% in one or a combination of the following Asset Allocation Variable Portfolios:
Franklin Income VIP Fund
SA American Funds Asset Allocation
SA JPMorgan Diversified Balanced
SA MFS Total Return
SA VCP Dynamic Allocation
SA VCP Dynamic Strategy; or
A-6
4.
In accordance with the requirements outlined in the table below:
 
Investment
Group
Investment
Requirement
Variable Portfolios
and/or Fixed Accounts
A. Bond, Cash
and Fixed
Account
Minimum 30%
Maximum 100%
Goldman Sachs VIT Government
Money Market Fund
SA American Century Inflation
Managed Protection
SA Federated Hermes Corporate
Bond
SA Goldman Sachs Government
and Quality Bond
SA JPMorgan Ultra-Short Bond
SA JPMorgan MFS Core Bond
SA PIMCO Global Bond
Opportunities
DCA Fixed Accounts++
6-Month DCA
1-Year DCA
2-Year DCA
Fixed Accounts
1-Year Fixed (if available)
Investment
Group
Investment
Requirement
Variable Portfolios
and/or Fixed Accounts
B. Equity
Maximum
Minimum 0%
Maximum 70%
Columbia VP-Dividend
Opportunity Fund+
Columbia VP-Income
Opportunities Fund+
Columbia VP-Overseas Core+
Columbia VP-Select Mid Cap
Growth Fund+
CTIVP-Principal Large Cap
Growth Fund+
Franklin Allocation VIP Fund
Franklin Income VIP Fund
Invesco V.I. American Franchise
Fund
Invesco V.I. Comstock Fund
Invesco V.I. Growth and Income
Fund
Lord Abbett Growth and Income
SA AB Growth
SA AB Small & Mid Cap Value
Strategic Growth
SA American Fund Asset
Allocation
SA American Funds Global
Growth
SA American Funds Growth
SA American Funds
Growth-Income
SA BlackRock Advantage
International
SA Fidelity Institutional AM
Global Equities
SA Franklin BW U.S. Large
Cap Value
SA Franklin Systematic
U.S. Large Cap Value
SA Janus Focused Growth
SA JPMorgan Diversified
Balanced
SA JPMorgan Equity -Income
SA JPMorgan Large Cap Core
SA JPMorgan Mid-Cap Growth
SA MFS Large Cap Growth
SA MFS Massachusetts
Investors Trust
SA MFS Total Return
SA PIMCO RAE International
Value
SA PineBridge High Yield Bond
SA Putman International Value
SA VCP Dynamic Allocation
SA VCP Dynamic Strategy
SA Wellington Capital
Appreciation
SAM Balanced
SAM Conservative Growth
C. Limited
Equity
Minimum 0%
Maximum 10%
Columbia VP-Cornerstone
Growth Fund+
Columbia VP-Small Company
Growth Fund+
SA Fidelity Institutional AM
Real Estate
SA Franklin Small Company
Value
SA Invesco Growth
Opportunities
SA JPMorgan Emerging
Markets
+ Only available if you purchased your contract through Banc of America Investment Services, Inc.
A-7
++ You may use a DCA Fixed Account to invest your target allocations in accordance with the investment requirements.
MarketLock Income Plus
MarketLock For Life Plus
MarketLock For Life Plus +6% OPTION
If your contract was issued between May 1, 2008 and May 1, 2009, and you elected the optional MarketLock Income Plus Living Benefit, you must allocate your investment in one of three ways:
1.
Invest 100% in either the SA JPMorgan Ultra-Short Bond Portfolio or the Goldman Sachs VIT Government Money Market Fund; or
2.
Invest 100% in either Allocation* 1, 2 or 3 (Please see POLARIS PORTFOLIO ALLOCATOR PROGRAM FOR CONTRACTS ISSUED PRIOR TO FEBRUARY 6, 2017 later in this Appendix for the allocations for the formerly available Polaris Portfolio Allocator Models.); or
3.
Invest 100% in one or a combination of the following Asset Allocation Variable Portfolios: Franklin Allocation VIP Fund, Franklin Income VIP Fund, SA American Funds Asset Allocation, SA JPMorgan Diversified Balanced, SA MFS Total Return, SA VCP Dynamic Allocation, and SA VCP Dynamic Strategy
If you elected the optional MarketLock Income Plus (contracts issued on or after 5/4/09), MarketLock For Life Plus (contracts issued on or after 5/4/09) or MarketLock For Life Plus +6% Option (contracts issued prior to 5/4/09) Living Benefit, you must allocate your investment in one of four ways:
1.
Invest 100% in either the SA JPMorgan Ultra-Short Bond Portfolio or the Goldman Sachs VIT Government Money Market Fund; or
2.
Invest 100% in either Allocation 1, 2 or 3 (Please see POLARIS PORTFOLIO ALLOCATOR PROGRAM FOR CONTRACTS ISSUED PRIOR TO FEBRUARY 6, 2017 later in this Appendix for the allocations for the formerly available Polaris Portfolio Allocator Models.); or
3.
Invest 100% in one or a combination of the following Asset Allocation Variable Portfolios: Franklin Income VIP Fund, Franklin Allocation VIP Fund (MarketLock For Life Plus +6% Option for contracts issued prior to 5/1/09 only), SA American Funds Asset Allocation, SA JPMorgan Diversified Balanced, SA MFS Total Return, SA VCP Dynamic Allocation, and SA VCP Dynamic Strategy; or
4.
Invest in accordance with the requirements outlined in the table below:
 
Investment
Group
Investment
Requirement
Variable Portfolios
and/or Fixed Accounts
A. Bond, Cash
and Fixed
Accounts
Minimum 20%*
Maximum 100%
*(30%, for
MarketLock
Income Plus and
MarketLock For
Life Plus issued
on or after
5/1/09)
Goldman Sachs VIT Government
Money Market Fund
SA American Century Inflation
Managed Protection
SA Federated Hermes Corporate
Bond
SA Goldman Sachs Government
and Quality Bond
SA JPMorgan Ultra-Short Bond
SA JPMorgan MFS Core Bond
SA PIMCO Global Bond
Opportunities
DCA Fixed Accounts+++
6-Month DCA
1-Year DCA
2-Year DCA (if available)
Fixed Accounts
1-Year Fixed (if available)
A-8
Investment
Group
Investment
Requirement
Variable Portfolios
and/or Fixed Accounts
B. Equity
Maximum
Minimum 0%
Maximum
80%**
**(70%, for
MarketLock
Income Plus and
MarketLock For
Life Plus issued
on or after
5/1/09)
Columbia VP-Dividend
Opportunity Fund+
Columbia VP-Income
Opportunities Fund+
Columbia VP-Overseas Core
Equity Fund+
Columbia VP-Select Mid Cap
Growth Fund+
CTIVP-Principal Large Cap
Growth Fund+
Equity Income Account++
Franklin Allocation VIP Fund
Franklin Income VIP Funds
Invesco V.I. American Franchise
Fund
Invesco V.I. Comstock Fund
Invesco V.I. Growth and Income
Fund
Lord Abbett Growth and Income
SA AB Growth
SA AB Small & Mid Cap Value
SA American Fund Asset
Allocation
SA American Funds Global
Growth
SA American Funds Growth
SA American Funds
Growth-Income
SA BlackRock Advantage
International
SA Fidelity Institutional AM
Global Entities
SA Franklin BW U.S. Large
Cap Value
SA Franklin Systematic
U.S. Large Cap Value
SA Janus Focused Growth
SA JPMorgan Diversified
Balanced
SA JPMorgan Equity -Income
SA JPMorgan Large Cap Core
SA JPMorgan Mid-Cap Growth
SA MFS Large Cap Growth
SA MFS Massachusetts
Investors Trust
SA MFS Total Return
SA PIMCO RAE International
Value
SA PineBridge High Yield Bond
SA Putman International Value
SA VCP Dynamic Allocation
SA VCP Dynamic Strategy
SA Wellington Capital
Appreciation
SAM Balanced
SAM Conservative Balanced++
SAM Conservative Growth
SAM Flexible Income++
SAM Strategic Growth
Investment
Group
Investment
Requirement
Variable Portfolios
and/or Fixed Accounts
C. Limited
Equity
Minimum 0%
Maximum
20%***
***(10%, for
MarketLock
Income Plus and
MarketLock For
Life Plus issued
on or after
5/1/09)
Columbia VP-Cornerstone
Growth Fund+
Columbia VP-Small Company
Growth Fund+
SA Fidelity Institutional AM
Real Estate
SA Franklin Small Company
Value Technology
SA Invesco Growth
Opportunities
SA JPMorgan Emerging
Markets
+ Only available if you purchased your contract through Banc of America Investment Services, Inc.
++ Only available if you purchased your contract through Chase Investment Services Corporation (formerly WaMu Investments, Inc.)
+++ You may use a DCA Fixed Account to invest your target allocations in accordance with the investment requirements.
MarketLock For Life Plus +7% Option
If you elected the optional MarketLock For Life Plus +7% Option, you must comply with investment requirements by allocating your investments as outlined below:
1.
Invest 100% in either the SA JPMorgan Ultra-Short Bond Portfolio or the Goldman Sachs VIT Government Money Market Fund; or
2.
Invest 100% in either Allocation* 1, 2 or 3; or
*(Please see POLARIS PORTFOLIO ALLOCATOR PROGRAM FOR CONTRACTS ISSUED PRIOR TO FEBRUARY 6, 2017 later in this Appendix for the allocations for the formerly available Polaris Portfolio Allocator.)
3.
Invest 100% in one or a combination of the following Asset Allocation Variable Portfolios: Franklin Allocation VIP Fund, Franklin Income VIP Fund, SA American Funds Asset Allocation, SA JPMorgan Diversified Balanced, SA MFS Total Return, SA VCP Dynamic Allocation, and SA VCP Dynamic Strategy
A-9
MARKETLOCK FOR LIFE PLUS +6% AND +7% EXTENSIONs
If your contract was issued between March 12, 2007 and May 1, 2009 and elected the optional MarketLock For Life Plus +6% Option Living Benefit, and have elected the first and second Extensions, you must allocate your assets in accordance with one of the following options: 
Option 1
At least 50% in one or more of the following:
Goldman Sachs VIT Government Money Market Fund
SA JPMorgan Ultra-Short Bond
SA VCP Dynamic Allocation
SA VCP Dynamic Strategy
Up to 50% in one or more of the following
Variable Portfolios:
Franklin Allocation VIP Fund
Franklin Income VIP Fund
SA American Funds Asset Allocation
SA JPMorgan Diversified Balanced
SA MFS Total Return
SAM Balanced
Option 2
25% in SA VCP Dynamic Allocation
25% in SA VCP Dynamic Strategy
50% in Allocation 1*, Allocation 2* or Allocation 3*
*Please see POLARIS PORTFOLIO ALLOCATOR
PROGRAM FOR CONTRACTS ISSUED PRIOR TO
FEBRUARY 6, 2017 later in this Appendix for the
allocations for the formerly available Polaris Portfolio
Allocator Program.
Option 3
At least 50% in one or more of the following:
Goldman Sachs VIT Government Money Market Fund
SA JPMorgan Ultra-Short Bond
SA VCP Dynamic Allocation
SA VCP Dynamic Strategy
Up to 50% in accordance with the
requirements outlined in the table below:
 
Investment
Group
Investment
Requirement
Variable Portfolios and/or Fixed
Accounts
A. Bond, Cash
and Fixed
Accounts
Minimum 10%
Maximum 50%
SA American Century Inflation
Managed Protection
SA Federated Hermes Corporate
Bond
SA Goldman Sachs Government
and Quality Bond
SA JPMorgan MFS Core Bond
SA PIMCO Global Bond
Opportunities
Fixed Accounts
1-Year Fixed (if available)
Investment
Group
Investment
Requirement
Variable Portfolios and/or Fixed
Accounts
B. Equity
Maximum
Minimum 0%
Maximum 40%
Columbia VP-Dividend
Opportunity Fund+
Columbia VP-Income
Opportunities Fund+
Columbia VP-Overseas Core
Fund+
Columbia VP-Select Mid Cap
Growth Fund+
CTIVP-Principal Large Cap
Growth Fund+
Equity Income Account++
Franklin Allocation VIP Fund
Franklin Income VIP Funds
Invesco V.I. American Franchise
Fund
Invesco V.I. Comstock Fund
Invesco V.I. Growth and Income
Fund
Lord Abbett Growth and Income
SA AB Growth
SA AB Small & Mid Cap Value
SA American Fund Asset
Allocation
SA American Funds Global
Growth
SA American Funds Growth
SA American Funds
Growth-Income
SA BlackRock Advantage
International
SA Fidelity Institutional AM
Global Equity
SA Franklin BW U.S. Large
Cap Value
SA Franklin Systematic
U.S. Large Cap Value
SA Janus Focused Growth
SA JPMorgan Diversified
Balanced
SA JPMorgan Equity-Income
SA JPMorgan Large Cap Core
SA JPMorgan Mid-Cap Growth
SA MFS Large Cap Growth
SA MFS Massachusetts
Investors Trust
SA MFS Total Return
SA PIMCO RAE International
Value
SA PineBridge High Yield Bond
SA Putman International Value
SA Wellington Capital
Appreciation
SAM Balanced
SAM Conservative Balanced++
SAM Conservative Growth
SAM Flexible Income++
SAM Strategic Growth
A-10
Investment
Group
Investment
Requirement
Variable Portfolios and/or Fixed
Accounts
C. Limited
Equity
Minimum 0%
Maximum 10%
Columbia VP-Cornerstone
Growth Fund+
Columbia VP-Small Company
Growth Fund+
SA Fidelity Institutional AM
Real Estate
SA Franklin Small Company
Value
SA Invesco Growth
Opportunities
SA JPMorgan Emerging
Markets
+
Only available if you purchased your contract through Banc of America Investment Services, Inc.
++
Only available if you purchased your contract through Chase Investment Services Corporation (formerly WaMu Investments, Inc.)
If your contract was issued between February 4, 2008 and May 1, 2009, and you elected the optional MarketLock For Life Plus +7% Option Living Benefit, and have elected the first and second Extensions, you must allocate your assets in accordance with one of the following options: 
Option 1
At least 50% in one or more of the following:
Goldman Sachs VIT Government Money Market Fund
SA JPMorgan Ultra-Short Bond
SA VCP Dynamic Allocation
SA VCP Dynamic Strategy
Up to 50% in one or more of the following
Variable Portfolios:
Franklin Allocation VIP Fund
Franklin Income VIP Fund
SA American Funds Asset Allocation
SA JPMorgan Diversified Balanced
SA MFS Total Return
SAM Balanced
Option 2
25% in SA VCP Dynamic Allocation
25% in SA VCP Dynamic Strategy
50% in Allocation 1*, 2* or 3*
*Please see POLARIS PORTFOLIO ALLOCATOR
PROGRAM FOR CONTRACTS ISSUED PRIOR TO
FEBRUARY 6, 2017 later in this Appendix for the
allocations for the formerly available Polaris Portfolio
Allocator Program.
+
Only available if you purchased your contract through Banc of America Investment Services, Inc.
marketlock income plus Extensions
If your contract was issued between May 1, 2008 and May 3, 2009, and you elected the optional MarketLock Income Plus Living Benefit, and have elected the first, second and third Extensions, your assets must remain allocated in accordance with one of the following options: 
Option 1
Up to 50% in one or more of the following:
 Goldman Sachs VIT Government Money Market
Fund
 SA JPMorgan Ultra-Short Bond
 SA VCP Dynamic Allocation
 SA VCP Dynamic Strategy
Up to 50% in one or more of the following:
 Franklin Allocation VIP Fund
 Franklin Income VIP Fund
 SA American Funds Asset Allocation
 SA JPMorgan Diversified Balanced
 SA MFS Total Return
 SAM Balanced
Option 2
25% SA VCP Dynamic Allocation and
25% SA VCP Dynamic Strategy and
50% in one of the following Allocations*:
Allocation 1*, 2* or 3*
*Please see POLARIS PORTFOLIO ALLOCATOR
PROGRAM FOR CONTRACTS ISSUED PRIOR TO
FEBRUARY 6, 2017 later in this Appendix for the
formerly available Polaris Portfolio Allocator Models.
+
Only available if you purchased your contract through Banc of America Investment Services, Inc.
A-11
MARKETLOCK INCOME PLUS, MARKETLOCK FOR LIFE PLUS AND MARKETLOCK FOR LIFE extensionS
If you purchased a contract between May 4, 2009 and January 18, 2010 and you elected the optional MarketLock Income Plus or MarketLock For Life Plus Living Benefit or if you purchased a contract between May 4, 2009 and January 20, 2012 and you elected the optional MarketLock For Life Living Benefit and have elected the first, second, and third Extensions, you must allocate your assets in accordance with one of the following options: 
Option 1
Up to 100% in one or more of the following:
Goldman Sachs VIT Government Money Market Fund
SA JPMorgan Ultra-Short Bond
SA VCP Dynamic Allocation
SA VCP Dynamic Strategy
Option 2
At least 50% and up to 100% in one or more of the
following:
Goldman Sachs VIT Government Money Market Fund
SA JPMorgan Ultra-Short Bond
SA VCP Dynamic Allocation
SA VCP Dynamic Strategy
Up to 50% in one or more of the following Variable
Portfolios:
Franklin Income VIP Fund
SA American Funds Asset Allocation
SA JPMorgan Diversified Balanced
SA MFS Total Return
Option 3
25% SA VCP Dynamic Allocation and
25% SA VCP Dynamic Strategy and
50% in one of the following Allocations*:
Allocation 1, Allocation 2 or Allocation 3
*Please see POLARIS PORTFOLIO PROGRAM FOR
CONTRACTS ISSUED PRIOR TO FEBRUARY 6, 2017
later in this Appendix for the allocations for the formerly
available Polaris Portfolio Allocator Models.
Option 4
At least 50% and up to 100% in one or more of the
following:
Goldman Sachs VIT Government Money Market Fund
SA JPMorgan Ultra-Short Bond
SA VCP Dynamic Allocation
SA VCP Dynamic Strategy
Up to 50% in accordance with the requirements outlined in
the table below:
 
Investment
Group
Investment
Requirement
Variable Portfolios
and/or Fixed Accounts
A. Bond, Cash
and Fixed
Accounts
Minimum 15%
Maximum 50%
SA American Century Inflation
Managed Protection
SA Federated Hermes Corporate
Bond
SA Goldman Sachs Government
and Quality Bond
SA JPMorgan MFS Core Bond
SA PIMCO Global Bond
Opportunities
DCA Fixed Accounts
6-Month DCA
1-Year DCA
2-Year DCA
Fixed Accounts
1-Year Fixed (if available)
Investment
Group
Investment
Requirement
Variable Portfolios
and/or Fixed Accounts
B. Equity
Maximum
Minimum 0%
Maximum 35%
Columbia VP-Dividend
Opportunity Fund1
Columbia VP-Income
Opportunities Fund1
Columbia VP-Overseas Core
Fund1
Columbia VP-Select Mid Cap
Growth Fund1
Franklin Allocation VIP Fund
Franklin Income VIP Fund
Invesco V.I. American Franchise
Fund
Invesco V.I. Comstock Fund
Invesco V.I. Growth and Income
Fund
Lord Abbett Growth and Income
SA AB Growth
SA AB Small & Mid Cap Value
SA American Funds Asset
Allocation
SA American Funds Global
Growth
SA American Funds Growth
SA American Funds
Growth-Income
SA BlackRock Advantage
International
SA Fidelity Institutional AM
Global Equities
SA Franklin BW U.S. Large
Cap Value
SA Franklin Systematic
U.S. Large Cap Value
SA Janus Focused Growth
SA JPMorgan Diversified
Balanced
SA JPMorgan Equity-Income
SA JPMorgan Large Cap Core
SA JPMorgan Mid-Cap Growth
SA MFS Large Cap Growth
SA MFS Massachusetts
Investors Trust
SA MFS Total Return
SA PIMCO RAE International
Value
SA PineBridge High Yield Bond
SA Putnam International Value
SA Wellington Capital
Appreciation
SAM Balanced1
SAM Conservative Growth
SAM Strategic Growth
VP Loomis Sayles Growth
Fund1
C. Limited
Equity
Minimum 0%
Maximum 5%
Columbia VP-Cornerstone
Growth Fund1
Columbia VP-Small Company
Growth Fund1
SA Fidelity Institutional AM
Real Estate
SA Franklin Small Company
Value
SA Invesco Growth
Opportunities
SA JPMorgan Emerging
Markets
1 Only available if you purchased your contract through Banc of America Investment Services, Inc.
A-12
POLARIS PORTFOLIO ALLOCATOR PROGRAM FOR CONTRACTS ISSUED PRIOR TO FEBRUARY 6, 2017
Effective on February 6, 2017, the Polaris Allocator Program is no longer offered.
If you invested in a Polaris Portfolio Allocator Model prior to February 6, 2017, you will remain invested in the same Variable Portfolios and in the same amounts and weights as before the Polaris Portfolio Allocator Program was terminated; however, the investment will no longer be considered to be a Polaris Portfolio Allocator Model and you may no longer trade into a Polaris Portfolio Allocator Model. Any active asset rebalancing or dollar cost averaging programs will continue according to your current allocations on file. You should speak with your financial representative about how to keep the Variable Portfolio allocations in each Portfolio Allocator Model in line with your investment goals over time.
If you elected a Living Benefit which allowed Polaris Portfolio Allocator Models as part of the investment requirements, you may trade out of your allocation at any time into any investment that meets your living benefit’s investment requirements, including the asset allocation of the Variable Portfolios listed in the table below (“Allocations”). After the termination effective date, only the asset allocation of the Variable Portfolios of your current model or the Allocations below will meet the investment requirements for living benefits which previously allowed Polaris Portfolio Allocator Models.
Allocations (effective February 6, 2017) 
Variable Portfolios
Allocation
1
Allocation
2
Allocation
3
Allocation
4
Invesco V.I. Comstock Fund
5.00%
5.00%
6.00%
8.00%
Invesco V.I. Growth and Income Fund
6.00%
7.00%
8.00%
8.00%
SA AB Growth
3.00%
4.00%
4.00%
6.00%
SA AB Small & Mid Cap Value
1.00%
1.00%
1.00%
2.00%
SA American Century Inflation Managed Protection
5.00%
3.00%
2.00%
0.00%
SA American Funds Global Growth
2.00%
3.00%
4.00%
6.00%
SA American Funds Growth-Income
0.00%
0.00%
1.00%
4.00%
SA BlackRock Advantage International
3.00%
3.00%
4.00%
5.00%
SA Federated Hermes Corporate Bond
10.00%
8.00%
7.00%
1.00%
SA Fidelity Institutional AM Real Estate
0.00%
0.00%
0.00%
1.00%
SA Franklin BW U.S. Large Cap Value
4.00%
4.00%
4.00%
5.00%
SA Franklin Small Company Value
0.00%
2.00%
2.00%
1.00%
SA Franklin Systematic U.S. Large Cap Value
3.00%
3.00%
3.00%
5.00%
SA Goldman Sachs Government and Quality Bond
8.00%
8.00%
7.00%
2.00%
SA Janus Focused Growth
0.00%
1.00%
1.00%
2.00%
SA JPMorgan Emerging Markets
0.00%
1.00%
2.00%
2.00%
SA JPMorgan Equity-Income
6.00%
7.00%
8.00%
8.00%
SA JPMorgan Large Cap Core
3.00%
4.00%
4.00%
6.00%
SA JPMorgan MFS Core Bond
17.00%
13.00%
10.00%
5.00%
SA JPMorgan Ultra-Short Bond
2.00%
1.00%
0.00%
0.00%
SA MFS Large Cap Growth
2.00%
3.00%
4.00%
4.00%
SA MFS Massachusetts Investors Trust
6.00%
6.00%
7.00%
8.00%
SA PIMCO Global Bond Opportunities
4.00%
4.00%
2.00%
2.00%
SA PIMCO RAE International Value
3.00%
3.00%
3.00%
4.00%
SA PineBridge High-Yield Bond
4.00%
3.00%
2.00%
0.00%
SA Wellington Capital Appreciation
3.00%
3.00%
4.00%
5.00%
Total
100%
100%
100%
100%
 
* * *
This summary prospectus incorporates by reference the prospectus and statement of additional information (SAI) for the contract, both dated May 1, 2026, as may be amended or supplemented from time to time. The SAI may be obtained, free of charge, in the same manner as the prospectus.
 
EDGAR Contract Identifiers: C000124748, C000124626
A-13
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