| Contract Owner | The owner or holder of the contact including any joint owner(s) (or ”you”). | ||||
| Contract Value | The total value of your allocations to the Sub-Accounts (and the Fixed Accumulation Feature, if applicable). | ||||
| Fixed Accumulation Feature or FAF | Part of our General Account, where you may allocate all or a portion of your Contract Value. In your Contract, the FAF may be called the "Fixed Account." | ||||
| Fund | A registered investment company or a series thereof in which assets of a Sub-Account may be invested. | ||||
| Premium Payment | Money sent to us to be invested in your Contract. | ||||
| Sub-Accounts | The variable investment options under the Contract, also referred to as Fund options. | ||||
| Sub-Account Value | The value of your allocations to the Sub-Accounts. | ||||
| FEES AND EXPENSES | Location in Prospectus | |||||||||||||||||||
| Are there Charges for Early Withdrawals? | Yes. Your Contract may be subject to surrender charges. Surrender charges may apply to both partial and full Surrenders. If you withdraw money from your contract within 10 years following your last premium payment, you may be assessed a surrender charge of up to 8% (as a percentage of premium payments withdrawn), declining to 0% over that time period. For example, if you were to withdraw $100,000 during a surrender charge period, you could be assessed a charge of up to $8,000. If you receive services for your Contract from a third-party financial intermediary who charges an advisory fee for their services, withdrawals to pay advisory fees will also reduce death benefits and other guaranteed benefits under the Contract and may be subject to federal and state income taxes and a 10% federal penalty tax. Losses due to surrender charges will be greater if there are taxes or tax penalties. | Fee Table Highlights The Contract -Charges and Fees | ||||||||||||||||||
| Are there Transaction Charges? | No. Other than surrender charges (if any), there are no charges for other contract transactions (e.g., transferring money between investment options). | Fee Table | ||||||||||||||||||
| 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 specifications page for information about the specific fees you will pay each year based on the options you have elected. Fees and expenses do not reflect any advisory fees paid to financial intermediaries from Contract Value or other assets of the Contract Owner. If such charges were reflected, the fees and expenses would be higher. | Fee Table The Contract -Charges and Fees The Contract - Guaranteed Payout Plan | ||||||||||||||||||
| Annual Fee | Minimum | Maximum | ||||||||||||||||||
| Base Contract | 1.51%¹ ³ | 1.51%¹ ⁴ | ||||||||||||||||||
| Fund fees and expenses | 0.13%² | 0.92%² | ||||||||||||||||||
| Optional benefit available for an additional charge (for a single optional benefit, if elected) | 0.35%3 | 0.00%4 | ||||||||||||||||||
1 As a percentage of average daily Sub-Account Values 2 As a percentage of Fund net assets. 3 During Accumulation Period 4 During Annuity Payout Period. | ||||||||||||||||||||
Because your contract is customizable, the choices you make effect 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 surrender charges that substantially increase costs. | ||||||||||||||||||||
| Lowest Annual Cost: $1,946 | Highest Annual Cost: $3,133 | |||||||||||||||||||
| Assumes: | Assumes: | |||||||||||||||||||
•Investment of $100,000 | •Investment of $100,000 | |||||||||||||||||||
•5% annual appreciation | •5% annual appreciation | |||||||||||||||||||
•Least expensive Fund fees and expenses | •Most expensive optional benefit and Fund fees and expenses | |||||||||||||||||||
•No optional benefits | •No sales charges or advisory fees | |||||||||||||||||||
•No sales charges or advisory fees | •No additional premium payments, transfers or withdrawals | |||||||||||||||||||
•No additional premium payments, transfers or withdrawals | ||||||||||||||||||||
| RISKS | Location in Prospectus | |||||||||||||||||||
| Is there a Risk of Loss from Poor Performance? | Yes. You can lose money by investing in this contract, including loss of principal. | General Contract Information - The Funds The Contract - Charges and Fees The Contract - Surrenders Federal Tax Considerations | ||||||||||||||||||
| Is this a Short-Term Investment? | No. •This contract is not designed for short-term investing and is not appropriate for an investor who needs ready access to cash. •Surrender charges may apply to withdrawals. If you take a withdrawal, a surrender charge may reduce the value of your contract or the amount of money that you actually receive. •The benefits of tax deferral, long-term income, and living benefit guarantees are generally more beneficial to investors with a long-time horizon. •Withdrawals may be subject to taxes, and a 10% penalty tax may be applied to Surrenders before age 59-½. | |||||||||||||||||||
| What are the Risks Associated with the Investment Options? | •An investment in this contract is subject to the risk of poor investment performance. Performance can vary depending on the performance of the investment options that you choose under the contract. •Each investment option (including the FAF, if available) 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. Any obligations (including under any Guarantee Period), guarantees or benefits of the contract are subject to our claims-paying ability. If we experience financial distress, we may not be able to meet our obligations to you. More information about Union Security, including our financial strength ratings, is available upon request by visiting www.trustage.com or calling 1-800-356-2644. | |||||||||||||||||||
| RESTRICTIONS | Location in Prospectus | |||||||||||||||||||
| Are there Restrictions on the Investment Options? | Yes. •Certain investment options may not be available under your contract. •You are allowed to make 1 transfer between the fund options per day. You are allowed to make 20 transfers between the fund options per year before we require you to submit additional transfer requests by mail. Your transfer between the fund options are subject to policies designed to deter excessively frequent transfers and market timing. These transfer restrictions do not apply to transfers under the contract's automatic transfer programs. •There are restrictions on the maximum amount that may be transferred annually from the FAF to the fund options. If the FAF is available for investment, you must wait 6 months after your most recent transfer from the FAF before making a subsequent transfer into the FAF. These transfer restrictions may apply to the contract's automatic income programs. •We reserve the right to remove or substitute funds as investment options. •The availability of Contract benefits may vary depending on the broker-dealer through which the Contact is sold. See Appendix B - Financial Intermediary Variations for additional information. | General Contract Information - The Funds The Contract - Purchases and Contract Value Fixed Accumulation Feature | ||||||||||||||||||
| Are there any Restrictions on Contract Benefits? | Yes. •Optional benefits may further limit or restrict the investment options that you may select under the contract. We may impose these restrictions in the future. •Withdrawals may significantly reduce the death benefit. •Withdrawals may reduce the value of an optional benefit by an amount greater than the value withdrawn or may may result in termination of the benefit. •Contract Benefits may not be modified or terminated by us, except as otherwise provided. •If you receive services for your Contract from a third-party financial intermediary who charges an advisory fee for their services, that fee is in addition to Contract fees and expenses. If you elect to pay the advisory fee by taking withdrawals from your Contract Value, the deduction for that fee is subject to surrender charges and will count toward your Annual Withdrawal Amount. Withdrawals to pay advisory fees will also reduce death benefits and other guaranteed benefits under the Contract and may be subject to federal and state income taxes and a 10% federal penalty tax. •The availability of Contract benefits may vary depending on the broker-dealer through which the Contact is sold. See Appendix B - Financial Intermediary Variations for additional information. | General Contract Information - The Funds The Contract - Charges and Fees The Contract - Surrenders Death Benefits | ||||||||||||||||||
| TAXES | Location in Prospectus | |||||||||||||||||||
| What are the Contract's Tax Implications? | •Consult with a tax professional to determine the tax implications of an investment in and payments received under the contract. •If you purchased the contract through a tax-qualified plan or IRA, you do not get any additional tax benefit under the contract. •Earnings on your contract are taxed at ordinary income rates when you withdraw them and you may have to pay a penalty if you take a withdrawal before age 59-1/2. | Federal Tax Considerations | ||||||||||||||||||
| CONFLICTS OF INTEREST | Location in Prospectus | |||||||||||||||||||
| How are Investment Professionals Compensated? | Your investment professional may receive compensation for selling this contract to you, in the form of commissions, additional payments, and non-cash compensation. We may share the revenue we earn on this contract with your investment professional's firm. This conflict of interest may influence your investment professional to recommend this contract over another investment for which the investment professional is not compensated or compensated less. | Other Information - How Contracts Are Sold | ||||||||||||||||||
| Should I Exchange My Contract? | Some investment professionals may have a financial incentive to offer you a new contract in place of the one you already own. You should only exchange a contract you already own if you determine, after comparing the features, fees and risks of both contracts, and any fees or penalties to terminate your existing contract, that it is better for you to purchase the new contract rather than continue to own your existing contract. | Other Information - How Contracts Are Sold | ||||||||||||||||||
| Type | Fund and Adviser/Subadviser | Current Expenses | Average Annual Total Returns (as of 12/31/25) | ||||||||||||||
| 1 Year | 5 Year | 10 Year | |||||||||||||||
| U.S. Equity | BlackRock S&P 500 Index V.I. Fund - Class I Adviser: BlackRock Advisors, LLC | 0.13% | 17.72% | 14.28% | 14.63% | ||||||||||||
| Allocation | Hartford Balanced HLS Fund - Class IA Adviser: Hartford Funds Management Company, LLC Subadviser: Wellington Management Company LLP | 0.66% | 12.14% | 8.20% | 8.97% | ||||||||||||
| U.S. Equity | Hartford Capital Appreciation HLS Fund - Class IA Adviser: Hartford Funds Management Company, LLC Subadviser: Wellington Management Company LLP | 0.67% | 13.72% | 9.96% | 11.93% | ||||||||||||
| U.S. Equity | Hartford Disciplined Equity HLS Fund - Class IA Adviser: Hartford Funds Management Company, LLC Subadviser: Wellington Management Company LLP | 0.59% | 14.32% | 12.07% | 13.46% | ||||||||||||
| U.S. Equity | Hartford Dividend and Growth HLS Fund - Class IA Adviser: Hartford Funds Management Company, LLC Subadviser: Wellington Management Company LLP | 0.66% | 17.49% | 12.68% | 12.48% | ||||||||||||
| International Equity | Hartford International Opportunities HLS Fund - Class IA Adviser: Hartford Funds Management Company, LLC Subadviser: Wellington Management Company LLP | 0.76% | 30.41% | 6.86% | 8.14% | ||||||||||||
| U.S. Equity | Hartford MidCap HLS Fund - Class IA Adviser: Hartford Funds Management Company, LLC Subadviser: Wellington Management Company LLP | 0.76% | (0.38)% | 0.24% | 8.05% | ||||||||||||
| U.S. Equity | Hartford Small Cap Growth HLS Fund - Class IA Adviser: Hartford Funds Management Company, LLC Subadviser: Wellington Management Company LLP | 0.66% | 6.83% | 1.27% | 8.66% | ||||||||||||
| U.S. Equity | Hartford Stock HLS Fund - Class IA Adviser: Hartford Funds Management Company, LLC Subadviser: Wellington Management Company LLP | 0.52% | 7.97% | 8.44% | 10.98% | ||||||||||||
| Fixed Income | Hartford Total Return Bond HLS Fund - Class IA Adviser: Hartford Funds Management Company, LLC Subadviser: Wellington Management Company LLP | 0.51% | 7.30% | (0.04)% | 2.75% | ||||||||||||
| Fixed Income | Hartford Ultrashort Bond HLS Fund - Class IA Adviser: Hartford Funds Management Company, LLC Subadviser: Wellington Management Company LLP | 0.45% | 4.51% | 2.88% | 2.21% | ||||||||||||
| Money Market | Invesco V.I. Government Money Market Fund - Series I** Adviser: Invesco Advisers, Inc. | 0.38% | 4.03% | 3.05% | 1.96% | ||||||||||||
| Fixed Income | Invesco V.I. Government Securities Fund - Series I Adviser: Invesco Advisers, Inc. | 0.70% | 7.37% | 0.04% | 1.60% | ||||||||||||
| Fixed Income | Invesco V.I. High Yield Fund - Series I Adviser: Invesco Advisers, Inc. | 0.92% | 6.73% | 3.64% | 4.83% | ||||||||||||
| * | As noted, annual expenses reflect a contractual fee reduction under an expense reimbursement or fee waiver arrangement. | ||||
| ** | In a low interest rate environment, yields for money market funds, after deduction of contract charges, may be negative even though the fund’s yield, before deducting for such charges, is positive. If you allocate a portion of your Contact Value to a money market Sub-Account or participate in an Asset Allocation Program, if available, where Contract Value is allocated to a money market Sub-Account, that portion of the value of your Contract Value may decrease in value. | ||||
| Name | Term | Minimum Guaranteed Interest Rate | ||||||
| Fixed Accumulation Feature | N/A | 3% | ||||||