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Massachusetts Mutual Variable Life Separate Account I
Massachusetts Mutual Variable Life Separate Account I
<div><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt"><b>Charges for Early </b></span></span><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt"><b>Withdrawals</b></span></span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">When you withdraw a portion of your Account Value from the policy, we </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">deduct a withdrawal charge of up to </span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">2%</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt"> of the amount you withdraw, but </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">not more than $25. Please note that this charge applies to any withdrawal – </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">whether it is taken early in your holding of the policy or later.</span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">The maximum withdrawal amount is equal to the Account Value less (a) any </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">Policy Debt less (b) an amount equal to (i) the most recent monthly </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">deduction multiplied by (ii) one plus the number of Monthly Calculation </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">Dates remaining in your modal term.</span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">For example, if you withdraw $10,000 from your policy, you will incur a </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">withdrawal charge of </span><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$25</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">.</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">Fee Tables – Transaction</span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">Fees – Withdrawal Charge</span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">Charges and Deductions –</span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">Transaction Charges –</span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">Withdrawal Charge</span></div>
0.02
25
<div><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt"><b>Transaction Charges</b></span></span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">In addition to withdrawal charges, you also may be charged for other </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">transactions. These charges are as follows:</span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt"><b><i>Sales Load Charge.</i></b></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt"> Before allocating premiums among the Separate </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">Account Divisions or the GPA, we impose a sales load charge equal to a </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">maximum of 5% of each premium.</span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt"><b><i>State Premium Tax Charge.</i></b></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt"> We deduct the applicable state premium tax </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">rate from each premium to cover premium taxes assessed against us by the </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">states. This charge will always equal the applicable state rate multiplied by </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">the premium paid and currently ranges from 0-5% of each premium.</span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt"><b><i>Deferred Acquisition Tax Charge.</i></b></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt"> We deduct the deferred acquisition cost </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">tax assessed against MassMutual by the federal government. The charge will </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">always represent the expense to MassMutual of the deferred acquisition cost </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">tax and currently ranges from 0-0.25% of each premium.</span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt"><b><i>Transfer Charge.</i></b></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt"> There is no transfer charge for the first 12 transfers during </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">a Policy Year. We may impose a transfer charge of up to $10 for the </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">thirteenth and each subsequent transfer in a Policy Year.</span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">Fee Tables – Transaction</span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">Fees</span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">Charges and Deductions –</span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">Transaction Charges</span></div>
0.0029
0.0118
<span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;margin-left:20pt;margin-left:0pt;"><i>As a percentage of Fund assets.</i></span>
<div>
<table cellspacing="0" style="width:100%;cellspacing:0;padding-bottom:5pt;padding-top:5pt;margin-left:0pt;">
<tr style="height:1px;">
<td style="height:1px;background-color:#A5A5A5;;width:20%"></td>
<td style="height:1px;background-color:#A5A5A5;;width:27.000923361034165%"></td>
<td style="height:1px;background-color:#A5A5A5;;width:22%"></td>
<td style="height:1px;background-color:#A5A5A5;;width:10%"></td>
<td style="height:1px;background-color:#A5A5A5;;width:20.999076638965835%"></td>
</tr>
<tr>
<td colspan="1" style="background-color:#A5A5A5;;vertical-align:bottom">
<div style="background-color:#A5A5A5;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"></div>
</td>
<td colspan="3" style="background-color:#A5A5A5;;vertical-align:bottom">
<div style="background-color:#A5A5A5;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>RISKS</b></span></div>
</td>
<td colspan="1" style="background-color:#A5A5A5;;vertical-align:bottom">
<div style="background-color:#A5A5A5;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>LOCATION IN </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>PROSPECTUS</b></span></div>
</td>
</tr>
<tr>
<td colspan="1" style="border-right:0.5pt solid #000000;vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:6pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Risk of Loss</b></span></span>
</div>
</td>
<td colspan="3" style="border-right:0.5pt solid #000000;vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:6pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">You can lose money by investing in the policy.</span></div>
</div>
</td>
<td colspan="1" style="vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:6pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Principal Risks – </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Investment Risks</span></div>
</td>
</tr>
<tr>
<td colspan="1" style="background-color:#E5E5E5;;border-right:0.5pt solid #000000;vertical-align:top">
<div style="background-color:#E5E5E5;padding-left:6pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Not a Short-Term </b></span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Investment</b></span></span>
</div>
</td>
<td colspan="3" style="background-color:#E5E5E5;;border-right:0.5pt solid #000000;vertical-align:top">
<div style="background-color:#E5E5E5;padding-left:6pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">A policy is not a short-term investment vehicle and is not appropriate for an </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">investor who needs ready access to cash.</span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">We apply a withdrawal charge with respect to any withdrawal you make </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">from the policy.</span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">A withdrawal may also reduce your policy’s Selected Face Amount and may </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">have adverse tax consequences.</span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">You can avoid withdrawal charges and such possible adverse tax </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">consequences by holding your policy for the long-term and minimizing </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">withdrawals.</span></div>
</div>
</td>
<td colspan="1" style="background-color:#E5E5E5;;vertical-align:top">
<div style="background-color:#E5E5E5;padding-left:6pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Overview of the Policy – </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">What is the policy, and </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">what is it designed to do?</span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Principal Risks – </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Suitability</span></div>
</td>
</tr>
<tr>
<td colspan="1" style="border-right:0.5pt solid #000000;vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:6pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Risks Associated with </b></span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Investment Options</b></span></span>
</div>
</td>
<td colspan="3" style="border-right:0.5pt solid #000000;vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:6pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">An investment in this policy is subject to the risk of poor investment </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">performance and can vary depending upon the performance of the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">underlying Funds you choose.</span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Each investment option (including any fixed account investment option) has </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">its own unique risks. You should review the prospectuses for the available </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Funds before making an investment decision.</span></div>
</div>
</td>
<td colspan="1" style="vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:6pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Principal Risks – </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Investment Risks</span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">General Information </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">About the Company, the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Separate Account and the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Underlying Funds – </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Underlying Funds</span></div>
</td>
</tr>
<tr>
<td colspan="1" style="background-color:#E5E5E5;;border-right:0.5pt solid #000000;vertical-align:top">
<div style="background-color:#E5E5E5;padding-left:6pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Insurance Company </b></span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Risks</b></span></span>
</div>
</td>
<td colspan="3" style="background-color:#E5E5E5;;border-right:0.5pt solid #000000;vertical-align:top">
<div style="background-color:#E5E5E5;padding-left:6pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">An investment in the policy is subject to the risks related to the Depositor </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">(MassMutual). Any obligations (including under any fixed account </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">investment option), guarantees, or benefits of the policy are subject to the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">claims-paying ability of MassMutual. If MassMutual experiences financial </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">distress, it may not be able to meet its obligations to you. More information </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">about MassMutual, including its financial strength ratings, is available by </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">calling (800) 665-2654 or by visiting </span><a href="DUMMY_1018_0_1"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">www.MassMutual.com/ratings.</span></a></div>
</div>
</td>
<td colspan="1" style="background-color:#E5E5E5;;vertical-align:top">
<div style="background-color:#E5E5E5;padding-left:6pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">General Information </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">About the Company, the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Separate Account and the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Underlying Funds – The </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Guaranteed Principal </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Account</span></div>
</td>
</tr>
<tr>
<td colspan="1" style="border-right:0.5pt solid #000000;vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:6pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Policy Lapse</b></span></span>
</div>
</td>
<td colspan="3" style="border-right:0.5pt solid #000000;vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:6pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Your policy could terminate (or lapse) if the Cash Surrender Value becomes too </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">low to support the policy’s monthly charges. Factors that may cause your policy </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">to lapse include: insufficient premium payments, poor investment performance, </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">withdrawals, and unpaid loans or loan interest. If your policy lapses, you may be </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">able to reinstate it. To reinstate your policy, you must provide us certain written </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">materials we require as well as a premium payment sufficient to keep the policy </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">In Force for three months after reinstatement. The death benefit will not be paid </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">if the policy has lapsed.</span></div>
</div>
</td>
<td colspan="1" style="vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:6pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Principal Risks – Policy </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Termination</span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Policy Termination and </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Reinstatement</span></div>
</td>
</tr>
</table></div>
<div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">You can lose money by investing in the policy.</span></div>
<div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">A policy is not a short-term investment vehicle and is not appropriate for an </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">investor who needs ready access to cash.</span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">We apply a withdrawal charge with respect to any withdrawal you make </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">from the policy.</span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">A withdrawal may also reduce your policy’s Selected Face Amount and may </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">have adverse tax consequences.</span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">You can avoid withdrawal charges and such possible adverse tax </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">consequences by holding your policy for the long-term and minimizing </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">withdrawals.</span></div>
<div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">An investment in this policy is subject to the risk of poor investment </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">performance and can vary depending upon the performance of the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">underlying Funds you choose.</span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Each investment option (including any fixed account investment option) has </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">its own unique risks. You should review the prospectuses for the available </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Funds before making an investment decision.</span></div>
<div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">An investment in the policy is subject to the risks related to the Depositor </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">(MassMutual). Any obligations (including under any fixed account </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">investment option), guarantees, or benefits of the policy are subject to the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">claims-paying ability of MassMutual. If MassMutual experiences financial </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">distress, it may not be able to meet its obligations to you. More information </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">about MassMutual, including its financial strength ratings, is available by </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">calling (800) 665-2654 or by visiting </span><a href="DUMMY_1018_0_1"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">www.MassMutual.com/ratings.</span></a></div>
<div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Your policy could terminate (or lapse) if the Cash Surrender Value becomes too </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">low to support the policy’s monthly charges. Factors that may cause your policy </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">to lapse include: insufficient premium payments, poor investment performance, </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">withdrawals, and unpaid loans or loan interest. If your policy lapses, you may be </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">able to reinstate it. To reinstate your policy, you must provide us certain written </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">materials we require as well as a premium payment sufficient to keep the policy </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">In Force for three months after reinstatement. The death benefit will not be paid </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">if the policy has lapsed.</span></div>
<div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Generally, you may transfer Account Value among the Separate Account </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Divisions and the Guaranteed Principal Account (GPA), subject to certain </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">limitations.</span></div><div>
<ul style="font-size:16pt;line-height:10pt;padding-left:8pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';">
<li style="padding:0;margin:0;">
<div style="margin-top:2pt; padding-left:22pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Transfers from the GPA to the Separate Account are limited to one per </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Policy Year, and generally may not exceed 25% of your Account Value </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">in the GPA (less any Policy Debt).</span></div>
</li>
</ul></div><div>
<ul style="font-size:16pt;line-height:10pt;padding-left:8pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';">
<li style="padding:0;margin:0;">
<div style="margin-top:2pt; padding-left:22pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">There is one exception to this rule. If you have transferred 25% of the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">GPA Value (less any Policy Debt) for three consecutive years and you </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">have not added any Net Premium or transferred amounts to the GPA </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">during these three consecutive years, you may transfer the remainder of </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">the GPA Value (less any Policy Debt) out of the GPA in the succeeding </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Policy Year.</span></div>
</li>
</ul></div><div>
<ul style="font-size:16pt;line-height:10pt;padding-left:8pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';">
<li style="padding:0;margin:0;">
<div style="margin-top:2pt; padding-left:22pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Transfers (including transfers through automated programs) cannot be </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">processed during a Grace Period.</span></div>
</li>
</ul></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">In addition, we reserve the right to reject or restrict transfers if we determine </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">the transfers reflect frequent trading or a market timing strategy, or we are </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">required to reject or restrict the transfer by the applicable Fund.</span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">MassMutual also reserves the right to remove or substitute Funds as </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">investment options that are available under the policy.</span></div>
<div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Optional benefits, such as riders, may alter the benefits or charges under </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">your policy. Rider availability and benefits may vary by state of issue, and </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">their election may have tax consequences. Riders may have restrictions or </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">limitations. If you elect a particular rider, it may restrict or enhance the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">terms of your policy, or restrict the availability or terms of other riders.</span></div>
<div>
<ul style="font-size:16pt;line-height:10pt;padding-left:8pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';">
<li style="padding:0;margin:0;">
<div style="margin-top:2pt; padding-left:22pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">You should consult with a tax professional to determine the tax </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">implications of an investment in and payments received under the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">policy.</span></div>
</li>
</ul></div><div>
<ul style="font-size:16pt;line-height:10pt;padding-left:8pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';">
<li style="padding:0;margin:0;">
<div style="margin-top:2pt; padding-left:22pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">If you purchase the policy through a qualified retirement plan, you do </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">not receive any additional tax deferral.</span></div>
</li>
</ul></div><div>
<ul style="font-size:16pt;line-height:10pt;padding-left:8pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';">
<li style="padding:0;margin:0;">
<div style="margin-top:2pt; padding-left:22pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Withdrawals and partial surrenders are taxed as recovery of cost basis </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">first and income second. Loans and collateral assignments are not </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">taxable when taken. Any gain on your policy is taxed as ordinary </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">income. If your policy becomes a Modified Endowment Contract </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">(MEC), loans, collateral assignments, withdrawals, and other pre-death </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">distributions will be taxed as income first and recovery of cost basis </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">second. You may have to pay a penalty tax if you take a distribution </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">before you attain age 59½.</span></div>
</li>
</ul></div>
<div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Your registered representative may receive compensation in the form of </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">commissions for selling the policy to you. If your registered representative </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">is also a MassMutual insurance agent, they are also eligible for certain cash </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">and non-cash benefits from us. Cash compensation includes bonuses and </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">allowances based on factors such as sales, productivity and persistency </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">(policy retention). Non-cash compensation includes various recognition </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">items such as prizes and awards as well as attendance at, and payment of the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">costs associated with attendance at, conferences, seminars and recognition </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">trips, and also includes contributions to certain individual plans such as </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">pension and medical plans. Sales of the policy may help these registered </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">representatives and their supervisors qualify for such benefits.</span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">This conflict of interest may influence your registered representative to offer </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">or recommend the policy over another investment.</span></div>
<div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Some investment professionals may have a financial incentive to offer you </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">the policy in place of the one you own. You should only exchange your </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">current life insurance policy if you determine, after comparing the features, </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">fees, and risks of both policies, that it is preferable for you to purchase the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">policy rather than continue to own your existing life insurance policy.</span></div>
<span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Sales Load Charge</b></span></span>
<span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">When you pay premium.</span>
0.05
0.0075
<span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>State Premium Tax Charge</b></span></span>
<span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">When you pay premium.</span>
<span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Deferred Acquisition Cost</b></span></span><br/><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>(DAC) Tax Charge</b></span></span>
<span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">When you pay premium</span>
0.0025
<span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Withdrawal Charge</b></span></span>
<span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">When you withdraw a portion of </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">your Account Value from the policy.</span>
0.02
0.02
<span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Transfer Charge</b></span></span>
<span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Upon each transfer after the first </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">twelve transfers in a Policy Year</span>
10
0
<span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Accelerated Benefits Rider</b></span></span>
<span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Upon request for the Accelerated </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Benefits</span>
250
0
<span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;margin-left:20pt;margin-left:0pt;"><i>The Sales Load Charge may vary by employer group depending on: (1) the group enrollment procedures selected by the employer; (2) the total group premium </i></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;margin-left:20pt;margin-left:0pt;"><i>paid by the employer; (3) the size of the employer group; and (4) other factors. Once the Sales Load Charge is set, it will never change for any of the Policies </i></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;margin-left:20pt;margin-left:0pt;"><i>issued to individuals under the same group.</i></span>
<span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt"><b>Cost of Insurance </b></span></span><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt"><b>Charge</b></span></span>
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">Monthly, on the policy’s Monthly </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">Calculation Date</span>
59.85
0.04
40.53
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt"><b>Representative </b></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt"><b>Insured: Age 45, </b></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt"><b>Non-Smoker, </b></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt"><b>Death Benefit </b></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt"><b>Option 1</b></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$0.11 per $1,000 of Insurance Risk</span>
<span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt"><b>Administrative Charge</b></span></span>
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">Monthly, on the policy’s Monthly </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">Calculation Date</span>
9
5.25
<span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt"><b>Mortality & Expense Risk </b></span></span><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt"><b>Charge</b></span></span>
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">Daily (at the effective annual rate)</span>
0.01
0.0075
<span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt"><b>Loan Interest Rate Expense </b></span></span><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt"><b>Charge</b></span></span>
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">Daily, if there is Policy Debt</span>
0.0125
0.0075
<span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt"><b>Accidental Death and </b></span></span><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt"><b>Dismemberment Benefit </b></span></span><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt"><b>Rider (AD&D)</b></span></span><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 7.5pt"><sup><b>(7)</b></sup></span></span>
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">Monthly, on the policy’s Monthly </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">Calculation Date</span>
0.06
0.04
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt"><b>Representative </b></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt"><b>Insured: Age 45, </b></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt"><b>Non-Tobacco</b></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$0.04 per $1,000 of Insurance Risk</span>
<span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt"><b>Waiver of Monthly Charges </b></span></span><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt"><b>Rider</b></span></span>
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">Monthly, on the policy’s Monthly </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">Calculation Date</span>
0.12
0.05
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt"><b>Representative </b></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt"><b>Insured: Age 45, </b></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt"><b>Non-Tobacco</b></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">$0.10 per $1 of Monthly </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">Deduction</span>
<span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;margin-left:20pt;margin-left:0pt;"><i>The cost of insurance charge rates may vary based on a number of factors, including but not limited to, the Insured’s issue age, risk classification, Selected Face </i></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;margin-left:20pt;margin-left:0pt;"><i>Amount, policy duration, and group rating. Thus, the cost of insurance charge shown in the above table may not be representative of the charge that a particular </i></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;margin-left:20pt;margin-left:0pt;"><i>Policy Owner will pay. For more information on the cost of insurance charge rates for portable policies, please see “Cost of Insurance Charge” in the “Monthly </i></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;margin-left:20pt;margin-left:0pt;"><i>Charges Against the Account Value” section. If you would like information on the cost of insurance charge rates for your particular situation, you can request a </i></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;margin-left:20pt;margin-left:0pt;"><i>personalized illustration from your registered representative or by calling our Administrative Office at (800) 548-0073. Please see “Transaction Charges” in the </i></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;margin-left:20pt;margin-left:0pt;"><i>“Charges and Deductions” section.</i></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;margin-left:20pt;margin-left:0pt;"><i>For policies that were issued after December 31, 2019, the maximum cost of insurance charge rates are based on the 2017 Commissioners’ Standard Ordinary </i></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;margin-left:20pt;margin-left:0pt;"><i>(2017 CSO) Tables.</i></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;margin-left:20pt;margin-left:0pt;"><i>The cost of insurance charge rates may vary based on a number of factors, including but not limited to, the Insured’s issue age, risk classification, Selected Face </i></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;margin-left:20pt;margin-left:0pt;"><i>Amount, policy duration, and group rating. Thus, the cost of insurance charge shown in the above table may not be representative of the charge that a particular </i></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;margin-left:20pt;margin-left:0pt;"><i>Policy Owner will pay. For more information on the cost of insurance charge rates for portable policies, please see “Cost of Insurance Charge” in the “Monthly </i></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;margin-left:20pt;margin-left:0pt;"><i>Charges Against the Account Value” section. If you would like information on the cost of insurance charge rates for your particular situation, you can request a </i></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;margin-left:20pt;margin-left:0pt;"><i>personalized illustration from your registered representative or by calling our Administrative Office at (800) 548-0073. Please see “Transaction Charges” in the </i></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;margin-left:20pt;margin-left:0pt;"><i>“Charges and Deductions” section.</i></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;margin-left:20pt;margin-left:0pt;"><i>The cost of insurance charge rates may vary based on a number of factors, including but not limited to, the Insured’s issue age, risk classification, Selected Face </i></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;margin-left:20pt;margin-left:0pt;"><i>Amount, policy duration, and group rating. Thus, the cost of insurance charge shown in the above table may not be representative of the charge that a particular </i></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;margin-left:20pt;margin-left:0pt;"><i>Policy Owner will pay. For more information on the cost of insurance charge rates for portable policies, please see “Cost of Insurance Charge” in the “Monthly </i></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;margin-left:20pt;margin-left:0pt;"><i>Charges Against the Account Value” section. If you would like information on the cost of insurance charge rates for your particular situation, you can request a </i></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;margin-left:20pt;margin-left:0pt;"><i>personalized illustration from your registered representative or by calling our Administrative Office at (800) 548-0073. Please see “Transaction Charges” in the </i></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;margin-left:20pt;margin-left:0pt;"><i>“Charges and Deductions” section.</i></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;margin-left:20pt;margin-left:0pt;"><i>For policies that were issued on or before December 16, 2008, the maximum cost of insurance charge rates are based on the 1980 Commissioners’ Standard </i></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;margin-left:20pt;margin-left:0pt;"><i>Ordinary (1980 CSO) Tables.</i></span>
<span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;margin-left:20pt;margin-left:0pt;"><i>For employer sponsored mandatory (basic) insurance programs, Cases issued with fewer than 1,000 policies will be reviewed annually on the anniversary of the </i></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;margin-left:20pt;margin-left:0pt;"><i>effective date of the employer’s participation in the group contract. If on such date the number of policies in the Case exceeds 1,000, we will eliminate the monthly </i></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;margin-left:20pt;margin-left:0pt;"><i>Administrative Charge for the policies in that Case. Such reduction will take effect within 60 days of the date of the annual review.</i></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;margin-left:20pt;margin-left:0pt;"><i>If you become disassociated from your employer or your employer no longer sponsors the insurance program, the current monthly Administrative Charge for your </i></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;margin-left:20pt;margin-left:0pt;"><i>policy will be $5.25.</i></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;margin-left:20pt;margin-left:0pt;"><i>For employer sponsored mandatory (basic) insurance programs, Cases issued with fewer than 1,000 policies will be reviewed annually on the anniversary of the </i></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;margin-left:20pt;margin-left:0pt;"><i>effective date of the employer’s participation in the group contract. If on such date the number of policies in the Case exceeds 1,000, we will eliminate the monthly </i></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;margin-left:20pt;margin-left:0pt;"><i>Administrative Charge for the policies in that Case. Such reduction will take effect within 60 days of the date of the annual review.</i></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;margin-left:20pt;margin-left:0pt;"><i>If you become disassociated from your employer or your employer no longer sponsors the insurance program, the current monthly Administrative Charge for your </i></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;margin-left:20pt;margin-left:0pt;"><i>policy will be $5.25.</i></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;margin-left:20pt;margin-left:0pt;"><i>For employer sponsored mandatory (basic) insurance programs, Cases issued with fewer than 1,000 policies will be reviewed annually on the anniversary of the </i></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;margin-left:20pt;margin-left:0pt;"><i>effective date of the employer’s participation in the group contract. If on such date the number of policies in the Case exceeds 1,000, we will eliminate the monthly </i></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;margin-left:20pt;margin-left:0pt;"><i>Administrative Charge for the policies in that Case. Such reduction will take effect within 60 days of the date of the annual review.</i></span>
<span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;margin-left:20pt;margin-left:0pt;"><i>We charge interest on policy loans that you may choose to take, but we also credit interest on the Account Value we hold as collateral on policy loans. The loan </i></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;margin-left:20pt;margin-left:0pt;"><i>interest rate expense charge represents the difference (cost) between the loan interest rate we charge and the interest credited on loaned amounts.</i></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;margin-left:20pt;margin-left:0pt;"><i>The charges for the Accidental Death and Dismemberment Rider and the Waiver of Monthly Charges Rider vary based on the individual characteristics of the </i></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;margin-left:20pt;margin-left:0pt;"><i>Insured. The rider charges may not be representative of the charges that a particular Policy Owner will pay. If you would like information on the charges for your </i></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;margin-left:20pt;margin-left:0pt;"><i>particular situation for the Accidental Death and Dismemberment Rider and the Waiver of Monthly Charges Rider, you can request a personalized illustration </i></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;margin-left:20pt;margin-left:0pt;"><i>from your registered representative, or by calling our Administrative Office at (800) 548-0073.</i></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;margin-left:20pt;margin-left:0pt;"><i>The rates shown for the “representative insured” are first year rates only.</i></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;margin-left:20pt;margin-left:0pt;"><i>The policy’s “Monthly Deduction” is the sum of the following current monthly charges: (a) administrative charge, (b) cost of insurance charge, and (c) any </i></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;margin-left:20pt;margin-left:0pt;"><i>applicable rider charges.</i></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;margin-left:20pt;margin-left:0pt;"><i>We charge interest on policy loans that you may choose to take, but we also credit interest on the Account Value we hold as collateral on policy loans. The loan </i></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;margin-left:20pt;margin-left:0pt;"><i>interest rate expense charge represents the difference (cost) between the loan interest rate we charge and the interest credited on loaned amounts.</i></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;margin-left:20pt;margin-left:0pt;"><i>The charges for the Accidental Death and Dismemberment Rider and the Waiver of Monthly Charges Rider vary based on the individual characteristics of the </i></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;margin-left:20pt;margin-left:0pt;"><i>Insured. The rider charges may not be representative of the charges that a particular Policy Owner will pay. If you would like information on the charges for your </i></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;margin-left:20pt;margin-left:0pt;"><i>particular situation for the Accidental Death and Dismemberment Rider and the Waiver of Monthly Charges Rider, you can request a personalized illustration </i></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;margin-left:20pt;margin-left:0pt;"><i>from your registered representative, or by calling our Administrative Office at (800) 548-0073.</i></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;margin-left:20pt;margin-left:0pt;"><i>The rates shown for the “representative insured” are first year rates only.</i></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;margin-left:20pt;margin-left:0pt;"><i>The policy’s “Monthly Deduction” is the sum of the following current monthly charges: (a) administrative charge, (b) cost of insurance charge, and (c) any </i></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;margin-left:20pt;margin-left:0pt;"><i>applicable rider charges.</i></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;margin-left:20pt;margin-left:0pt;"><i>We charge interest on policy loans that you may choose to take, but we also credit interest on the Account Value we hold as collateral on policy loans. The loan </i></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;margin-left:20pt;margin-left:0pt;"><i>interest rate expense charge represents the difference (cost) between the loan interest rate we charge and the interest credited on loaned amounts.</i></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;margin-left:20pt;margin-left:0pt;"><i>The charges for the Accidental Death and Dismemberment Rider and the Waiver of Monthly Charges Rider vary based on the individual characteristics of the </i></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;margin-left:20pt;margin-left:0pt;"><i>Insured. The rider charges may not be representative of the charges that a particular Policy Owner will pay. If you would like information on the charges for your </i></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;margin-left:20pt;margin-left:0pt;"><i>particular situation for the Accidental Death and Dismemberment Rider and the Waiver of Monthly Charges Rider, you can request a personalized illustration </i></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;margin-left:20pt;margin-left:0pt;"><i>from your registered representative, or by calling our Administrative Office at (800) 548-0073.</i></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;margin-left:20pt;margin-left:0pt;"><i>The rates shown for the ‘‘representative insured’’ are first year rates only.</i></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;margin-left:20pt;margin-left:0pt;"><i>The policy’s “Monthly Deduction” is the sum of the following current monthly charges: (a) administrative charge, (b) cost of insurance charge, and (c) any </i></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;margin-left:20pt;margin-left:0pt;"><i>applicable rider charges.</i></span>
<span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Cost of Insurance </b></span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Charge</b></span></span>
<span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Monthly, on the policy’s Monthly </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Calculation Date</span>
43.15
0.04
40.53
<span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Representative </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Insured: Age 45, </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Non-Smoker, </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Death Benefit </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Option 1</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">$0.11 per $1,000 of Insurance Risk</span>
<span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Administrative Charge</b></span></span>
<span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Monthly, on the Policy’s Monthly </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Calculation Date</span>
9
5.25
<span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Mortality & Expense Risk </b></span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Charge</b></span></span>
<span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Daily (at the effective annual rate)</span>
0.01
0.0075
<span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Loan Interest Rate Expense </b></span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Charge</b></span></span>
<span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Daily, if there is Policy Debt</span>
0.0125
0.0075
<span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Accidental Death and </b></span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Dismemberment Benefit </b></span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Rider (AD&D)</b></span></span>
<span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Monthly, on the policy’s Monthly </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Calculation Date</span>
0.06
0.04
<span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Representative </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Insured: Age 45, </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Non-Tobacco</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">$0.04 per $1,000 of Insurance Risk</span>
<span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Waiver of Monthly Charges </b></span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Rider</b></span></span>
<span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Monthly, on the policy’s Monthly </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Calculation Date</span>
0.12
0.05
<span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Representative </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Insured: Age 45, </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Non-Tobacco</b></span>
<span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">$0.10 per $1 of Monthly </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Deduction</span>
<span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Cost of Insurance </b></span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Charge</b></span></span>
<span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Monthly, on the policy’s Monthly </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Calculation Date</span>
83.33
0.04
40.53
<span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Representative </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Insured: Age 45, </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Non-Smoker, </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Death Benefit </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Option 1</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">$0.11 per $1,000 of Insurance Risk</span>
<span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Administrative Charge</b></span></span>
<span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Monthly, on the Policy’s Monthly </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Calculation Date</span>
9
5.25
<span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Mortality & Expense Risk </b></span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Charge</b></span></span>
<span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Daily (at the effective annual rate)</span>
0.01
0.0075
<span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Loan Interest Rate Expense </b></span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Charge</b></span></span>
<span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Daily, if there is Policy Debt</span>
0.0125
0.0075
<span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Accidental Death and </b></span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Dismemberment Benefit </b></span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Rider (AD&D)</b></span></span>
<span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Monthly, on the policy’s Monthly </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Calculation Date</span>
0.06
0.04
<span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Representative </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Insured: Age 45, </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Non-Tobacco</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">$0.04 per $1,000 of Insurance Risk</span>
<span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Waiver of Monthly Charges </b></span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Rider</b></span></span>
<span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Monthly, on the policy’s Monthly </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Calculation Date</span>
0.12
0.05
<span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Representative </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Insured: Age 45, </b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Non-Tobacco</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">$0.10 per $1 of Monthly </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Deduction</span>
<span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;margin-left:20pt;margin-left:0pt;"><i>If you become disassociated from your employer or your employer no longer sponsors the insurance program, the current monthly Administrative Charge for your </i></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;margin-left:20pt;margin-left:0pt;"><i>policy will be $5.25.</i></span>
<div>
<table cellspacing="0" style="width:100%;cellspacing:0;padding-bottom:2pt;padding-top:0pt;margin-left:0pt;">
<tr style="height:1px;">
<td style="height:1px;background-color:#A5A5A5;;width:53.70083102493076%"></td>
<td style="height:1px;background-color:#A5A5A5;;width:23.15050784856879%"></td>
<td style="height:1px;background-color:#A5A5A5;;width:23.15050784856879%"></td>
</tr>
<tr>
<td colspan="1" style="background-color:#A5A5A5;;vertical-align:bottom">
<div style="background-color:#A5A5A5;padding-left:6pt;padding-top:10pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt"><b>Annual Fund Operating Expenses</b></span></span>
</div>
</td>
<td colspan="1" style="background-color:#A5A5A5;;vertical-align:bottom">
<div style="background-color:#A5A5A5;padding-left:2pt;padding-top:10pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt"><b><i>Minimum</i></b></span></div>
</td>
<td colspan="1" style="background-color:#A5A5A5;;vertical-align:bottom">
<div style="background-color:#A5A5A5;padding-left:2pt;padding-top:10pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt"><b><i>Maximum</i></b></span></div>
</td>
</tr>
<tr>
<td colspan="1" style="vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:6pt;padding-top:10pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">Range of total annual fund operating expenses including </span></span><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">management fees, distribution and/or service (12b-1) fees and other </span></span><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">expenses.</span></span><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 7.5pt"><sup>(1)</sup></span></span>
</div>
</td>
<td colspan="1" style="vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:2pt;padding-top:10pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">0.29%</span></div>
</td>
<td colspan="1" style="vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:2pt;padding-top:10pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">1.18%</span></div>
</td>
</tr>
</table></div>
<span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">Range of total annual fund operating expenses including </span></span><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">management fees, distribution and/or service (12b-1) fees and other </span></span><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">expenses.</span></span>
0.0029
0.0118
<span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;margin-left:20pt;margin-left:0pt;"><i>The Fund expenses used to prepare this table were provided to us by the Funds. We have not independently verified such information provided to us by Funds that </i></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;margin-left:20pt;margin-left:0pt;"><i>are not affiliated with us.</i></span>
<div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:24.060000000000002pt;;">Principal Risks</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:16.836pt;;"><b>Investment Risks</b></span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The value of your policy will fluctuate with the performance of the Separate Account Divisions you select. Your Separate Account </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Divisions may decline in value or they may not perform to your expectations. You bear the investment risk of any Account Value </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">invested in the Separate Account Divisions. It is possible you could lose your entire investment.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The type of investments that a fund company makes will also create risk. A comprehensive discussion of the risks of each of the Funds </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">underlying the Separate Account Divisions may be found in that Fund’s prospectus. You should read the Fund’s prospectus carefully </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">before investing.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:16.836pt;;"><b>Suitability</b></span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Variable life insurance is designed to help meet long-term financial goals. It is not suitable as a vehicle for short-term savings. You </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">should not purchase the policy if you will need the premium payment in a short period of time. We may restrict short-term investment </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">strategies.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:16.836pt;;"><b>Withdrawals</b></span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">A withdrawal will reduce your policy’s Account Value by the amount withdrawn. In addition, we impose a withdrawal charge </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">whenever you withdraw a portion of your Account Value. If the policy’s Cash Surrender Value is reduced to a point where it cannot </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">meet a monthly deduction, your policy may terminate. A withdrawal may also reduce your policy’s Selected Face Amount and may </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">have adverse tax consequences.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:16.836pt;;"><b>Loans</b></span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Taking a loan from your policy has several risks: (1) it may increase the risk that your policy will terminate; (2) it will have a </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">permanent effect on your policy’s Cash Surrender Value; (3) it may increase the amount of premium needed to keep the policy In </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Force; (4) it will reduce the death benefit proceeds; and (5) it has potential adverse tax consequences.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:16.836pt;;"><b>Policy Termination</b></span></div><div><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">Your</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> policy could terminate if the Cash Surrender Value becomes too low to support the policy’s monthly charges. Factors that may </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">cause your policy to terminate include: insufficient premium payments, poor investment performance, withdrawals, and unpaid loans </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">or loan interest. Poor investment performance of the Funds selected by the Policy Owner and the deduction of policy fees and monthly </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">charges may result in termination of the policy, even if all Modal Term Premiums are timely paid. No death benefit or other benefits </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">under the policy will be paid once the policy terminates.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:16.836pt;;"><b>Limitations on Access to Account Value</b></span></div><div>
<table cellspacing="0" style="padding-top:6pt;padding-right:2%;padding-left:2%;" width="100%">
<tr>
<td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:10pt;">
<div style="font-size:16pt;font-family:Arial, Helvetica, sans-serif;">•</div>
</td>
<td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:2pt;align:left;vertical-align:top;text-align:left;">
<div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Withdrawals are not available in the first six months of the first Policy Year.</span>
</div>
</td>
</tr>
</table></div><div>
<table cellspacing="0" style="padding-top:3pt;padding-right:2%;padding-left:2%;" width="100%">
<tr>
<td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:10pt;">
<div style="font-size:16pt;font-family:Arial, Helvetica, sans-serif;">•</div>
</td>
<td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:2pt;align:left;vertical-align:top;text-align:left;">
<div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The maximum withdrawal amount is equal to the Cash Surrender Value less an amount equal to one plus the number of </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Monthly Calculation Dates remaining in your modal term multiplied by your most recent monthly deduction. There may be </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">little to no cash value available for loans and withdrawals in the policy’s early years.</span>
</div>
</td>
</tr>
</table></div><div>
<table cellspacing="0" style="padding-top:3pt;padding-right:2%;padding-left:2%;" width="100%">
<tr>
<td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:10pt;">
<div style="font-size:16pt;font-family:Arial, Helvetica, sans-serif;">•</div>
</td>
<td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:2pt;align:left;vertical-align:top;text-align:left;">
<div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The minimum withdrawal amount is $500. A withdrawal charge equal to the lesser of 2% of the amount of the withdrawal or </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">$25 will be deducted from the amount of the withdrawal.</span>
</div>
</td>
</tr>
</table></div><div>
<table cellspacing="0" style="padding-top:3pt;padding-right:2%;padding-left:2%;" width="100%">
<tr>
<td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:10pt;">
<div style="font-size:16pt;font-family:Arial, Helvetica, sans-serif;">•</div>
</td>
<td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:2pt;align:left;vertical-align:top;text-align:left;">
<div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The withdrawal amount may not exceed the non-loaned Account Value of the Separate Account Division(s) or the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Guaranteed Principal Account from which the withdrawal is to be made.</span>
</div>
</td>
</tr>
</table></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:16.836pt;;"><b>Insurance Company Insolvency</b></span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">It is possible that we could experience financial difficulty in the future and even become insolvent, and therefore unable to provide all </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">of the guarantees and benefits that we promise that exceed the value of the assets in the Separate Account.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:16.836pt;;"><b>Adverse Tax Consequences</b></span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Certain transactions (including, but not limited to, withdrawals, surrenders and loans) may lead to a taxable event. Under certain </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">circumstances (usually if your premium payments in the first seven years or less exceed specified limits), your policy may become a </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">“Modified Endowment Contract” (MEC). Under federal tax law, loans, collateral assignments, withdrawals, and other pre-death </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">distributions received from a MEC policy are taxed as income first and recovery of cost basis second. Also, distributions includible in </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">income received before you attain age 59½ may be subject to a 10% penalty tax. Existing tax laws that benefit this policy may change </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">at any time.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:16.836pt;;"><b>Policy Charge Increase</b></span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">We have the right to increase certain policy and rider charges; however, the charges will not exceed the maximum charges identified in </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">the fee tables. If we increase a policy or rider charge, you may need to increase the amount and/or frequency of your premiums to keep </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">your policy In Force. We will notify the Policy Owner of any such changes through a prospectus supplement.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:16.836pt;;"><b>Cybersecurity and Certain Business Continuity Risks</b></span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Our operations support complex transactions and are highly dependent on the proper functioning of information technology and </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">communication systems. Any failure of or gap in the systems and processes necessary to support complex transactions and avoid </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">systems failure, fraud, information security failures, processing errors, cyber intrusion, loss of data and breaches of regulation may </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">lead to a materially adverse effect on our results of operations and corporate reputation. In addition, we must commit significant </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">resources to maintain and enhance our existing systems in order to keep pace with applicable regulatory requirements, industry </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">standards and customer preferences. If we fail to maintain secure and well-functioning information systems, we may not be able to rely </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">on information for product pricing, compliance obligations, risk management and underwriting decisions. In addition, we cannot </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">assure investors or consumers that interruptions, failures or breaches in security of these processes and systems will not occur, or if </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">they do occur, that they can be timely detected and remediated. The occurrence of any of these events may have a materially adverse </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">effect on our businesses, results of operations and financial condition. For additional detail regarding cybersecurity and related risks, </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">please see “Other Information – Computer System, Cybersecurity, and Service Disruption Risks” in this prospectus.</span></div>
<span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:16.836pt;;"><b>Investment Risks</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The value of your policy will fluctuate with the performance of the Separate Account Divisions you select. Your Separate Account </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Divisions may decline in value or they may not perform to your expectations. You bear the investment risk of any Account Value </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">invested in the Separate Account Divisions. It is possible you could lose your entire investment.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The type of investments that a fund company makes will also create risk. A comprehensive discussion of the risks of each of the Funds </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">underlying the Separate Account Divisions may be found in that Fund’s prospectus. You should read the Fund’s prospectus carefully </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">before investing.</span>
<span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:16.836pt;;"><b>Suitability</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Variable life insurance is designed to help meet long-term financial goals. It is not suitable as a vehicle for short-term savings. You </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">should not purchase the policy if you will need the premium payment in a short period of time. We may restrict short-term investment </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">strategies.</span>
<span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:16.836pt;;"><b>Withdrawals</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">A withdrawal will reduce your policy’s Account Value by the amount withdrawn. In addition, we impose a withdrawal charge </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">whenever you withdraw a portion of your Account Value. If the policy’s Cash Surrender Value is reduced to a point where it cannot </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">meet a monthly deduction, your policy may terminate. A withdrawal may also reduce your policy’s Selected Face Amount and may </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">have adverse tax consequences.</span>
<span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:16.836pt;;"><b>Loans</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Taking a loan from your policy has several risks: (1) it may increase the risk that your policy will terminate; (2) it will have a </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">permanent effect on your policy’s Cash Surrender Value; (3) it may increase the amount of premium needed to keep the policy In </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Force; (4) it will reduce the death benefit proceeds; and (5) it has potential adverse tax consequences.</span>
<span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:16.836pt;;"><b>Policy Termination</b></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 10.02pt">Your</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> policy could terminate if the Cash Surrender Value becomes too low to support the policy’s monthly charges. Factors that may </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">cause your policy to terminate include: insufficient premium payments, poor investment performance, withdrawals, and unpaid loans </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">or loan interest. Poor investment performance of the Funds selected by the Policy Owner and the deduction of policy fees and monthly </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">charges may result in termination of the policy, even if all Modal Term Premiums are timely paid. No death benefit or other benefits </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">under the policy will be paid once the policy terminates.</span>
<span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:16.836pt;;"><b>Limitations on Access to Account Value</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Withdrawals are not available in the first six months of the first Policy Year.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The maximum withdrawal amount is equal to the Cash Surrender Value less an amount equal to one plus the number of </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Monthly Calculation Dates remaining in your modal term multiplied by your most recent monthly deduction. There may be </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">little to no cash value available for loans and withdrawals in the policy’s early years.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The minimum withdrawal amount is $500. A withdrawal charge equal to the lesser of 2% of the amount of the withdrawal or </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">$25 will be deducted from the amount of the withdrawal.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The withdrawal amount may not exceed the non-loaned Account Value of the Separate Account Division(s) or the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Guaranteed Principal Account from which the withdrawal is to be made.</span>
<span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:16.836pt;;"><b>Insurance Company Insolvency</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">It is possible that we could experience financial difficulty in the future and even become insolvent, and therefore unable to provide all </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">of the guarantees and benefits that we promise that exceed the value of the assets in the Separate Account.</span>
<span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:16.836pt;;"><b>Adverse Tax Consequences</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Certain transactions (including, but not limited to, withdrawals, surrenders and loans) may lead to a taxable event. Under certain </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">circumstances (usually if your premium payments in the first seven years or less exceed specified limits), your policy may become a </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">“Modified Endowment Contract” (MEC). Under federal tax law, loans, collateral assignments, withdrawals, and other pre-death </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">distributions received from a MEC policy are taxed as income first and recovery of cost basis second. Also, distributions includible in </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">income received before you attain age 59½ may be subject to a 10% penalty tax. Existing tax laws that benefit this policy may change </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">at any time.</span>
<span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:16.836pt;;"><b>Policy Charge Increase</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">We have the right to increase certain policy and rider charges; however, the charges will not exceed the maximum charges identified in </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">the fee tables. If we increase a policy or rider charge, you may need to increase the amount and/or frequency of your premiums to keep </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">your policy In Force. We will notify the Policy Owner of any such changes through a prospectus supplement.</span>
<span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:16.836pt;;"><b>Cybersecurity and Certain Business Continuity Risks</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Our operations support complex transactions and are highly dependent on the proper functioning of information technology and </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">communication systems. Any failure of or gap in the systems and processes necessary to support complex transactions and avoid </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">systems failure, fraud, information security failures, processing errors, cyber intrusion, loss of data and breaches of regulation may </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">lead to a materially adverse effect on our results of operations and corporate reputation. In addition, we must commit significant </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">resources to maintain and enhance our existing systems in order to keep pace with applicable regulatory requirements, industry </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">standards and customer preferences. If we fail to maintain secure and well-functioning information systems, we may not be able to rely </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">on information for product pricing, compliance obligations, risk management and underwriting decisions. In addition, we cannot </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">assure investors or consumers that interruptions, failures or breaches in security of these processes and systems will not occur, or if </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">they do occur, that they can be timely detected and remediated. The occurrence of any of these events may have a materially adverse </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">effect on our businesses, results of operations and financial condition. For additional detail regarding cybersecurity and related risks, </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">please see “Other Information – Computer System, Cybersecurity, and Service Disruption Risks” in this prospectus.</span>
<div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:24.060000000000002pt;;">Death Benefit</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">If the Insured dies while the policy is In Force and we determine that the claim is valid, we will pay the death benefit in a lump sum </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">or </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">in one of the elected payment options</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> to the Beneficiary.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The death benefit will be the amount provided by the death benefit option in effect on the date of death, reduced by any outstanding </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Policy Debt, and any unpaid premium needed to avoid policy termination. The death benefit is calculated as of the date of the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Insured’s death.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The Minimum Death Benefit for your policy is based on your policy’s Account Value as described below.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">While the policy is In Force, you may make changes to the death benefit option and Selected Face Amount. You must pay any </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">premium due before such transaction requests can be processed.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:16.836pt;;"><b>Minimum Face Amount</b></span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">In order to qualify as life insurance under IRC Section 7702, the policy must have a minimum face amount. We determine the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">minimum face amount by multiplying the Account Value by the minimum face amount percentage. The percentage depends upon the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Insured’s Attained Age.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:13.224pt;;"><b>Cash Value Accumulation Test (CVAT)</b></span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Under this test, the Minimum Death Benefit on any date is equal to the Account Value on that date multiplied by the death benefit </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">factor for the Insured’s Attained Age on that date. The death benefit factor depends on the Insured’s gender, age, tobacco use </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">classification, and the CVAT interest rate under Section 7702 of the IRC.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:13.224pt;;"><b>Guideline Premium Test</b></span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Under this test, the Minimum Death Benefit on any date is equal to the Account Value on that date multiplied by the death benefit </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">factor, but the death benefit factor varies only by the Attained Age of the Insured.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The death benefit factors for the Cash Value Accumulation Test and the Guideline Premium Test are shown in the policy. Your choice </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">of the Guideline Premium Test or the Cash Value Accumulation Test will depend on how you intend to pay premiums. In general, if </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">you intend to pay premiums only in the early Policy Years, the Cash Value Accumulation Test may be appropriate. If you intend to pay </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">level premiums over a long period of years, the Guideline Premium Test may be more appropriate. You should review policy </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">illustrations of both approaches with your registered representative to determine how the policy works under each test, and which is </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">best for you.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:16.836pt;;"><b>Death Benefit Options</b></span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">We offer two death benefit options. Initially the death benefit option is elected by the employer.</span></div><div>
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<div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Death Benefit Option A</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> – the death benefit is the greater of:</span>
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<div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">the Selected Face Amount in effect on the date of death; or</span>
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<div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">the minimum face amount in effect on the date of death.</span>
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<div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Death Benefit Option B</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> – the death benefit is the greater of:</span>
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<td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:96%;padding-left:2pt;align:left;vertical-align:top;text-align:left;">
<div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">the sum of the Selected Face Amount in effect on the date of death plus the Account Value on the date of death; or</span>
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<td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:96%;padding-left:2pt;align:left;vertical-align:top;text-align:left;">
<div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">the minimum face amount in effect on the date of death.</span>
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</table></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">If the Insured dies while the policy is In Force, we will pay the death benefit based on the option in effect on the date of death, with the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">following adjustments:</span></div><div>
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<div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">We add the part of any Account Value charges that apply for the period beyond the date of death; and</span></div>
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<div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">We deduct any Policy Debt outstanding on the date of death; and</span></div>
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<div style="font-size:16pt;font-family:Arial, Helvetica, sans-serif;">•</div>
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<div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">We deduct any account charges unpaid as of the date of death.</span></div>
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</table></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">You should note that under Death Benefit Option A, the death benefit amount is not affected by your policy’s investment experience </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">unless the death benefit is based on the minimum face amount. Under Death Benefit Option B, the death benefit is a variable death </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">benefit. This means that, because the death benefit amount includes the Account Value, it can change from day to day. Your policy’s </span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Account Value will vary due to the investment performance of the Separate Account Divisions in which you have allocated premium </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">or transferred funds. It is also impacted by the deduction of charges and other policy expenses. It is possible that the policy’s Account </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Value can be zero, which will reduce the overall value of the death benefit. The “Policy Value” section provides more detailed </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">information on how your policy’s Account Value is determined.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;margin-left:0pt;margin-left:0pt;"><i>The examples assume no additions to or deductions from the Selected Face Amount or minimum face amount are applicable.</i></span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:16.836pt;;"><b>Right to Change the Death Benefit Option</b></span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">You may change your Death Benefit Option at any time while the Insured is living by Written Request and subject to our guidelines </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">regarding proof of insurability. However, no change will be permitted after the Policy Anniversary nearest the Insured’s 100</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;"><sup>th</sup></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> birthday. </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">There is no charge for a change in the Death Benefit Option; however the monthly deduction amount will change.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The effective date of any change in the Death Benefit Option will be your first Policy Anniversary on, or next following, the later of:</span></div><div>
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<div style="font-size:16pt;font-family:Arial, Helvetica, sans-serif;">•</div>
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<div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">15 calendar days after we receive (in Good Order at our Administrative Office) and approve your Written Request for such </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">change; or</span>
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<div style="font-size:16pt;font-family:Arial, Helvetica, sans-serif;">•</div>
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<td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:2pt;align:left;vertical-align:top;text-align:left;">
<div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">the requested effective date of the change.</span>
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</table></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">If you change your death benefit option, we will adjust your policy’s Selected Face Amount. The Selected Face Amount adjustment </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">(up or down) will be in the amount needed so that the death benefit immediately before the change will be the same as the death </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">benefit after the change.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Please see Appendix C for examples of how a change in death benefit option may impact the policy’s Selected Face Amount.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The death benefit following a death benefit option change, however, will behave differently based on the new death benefit option in </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">effect. For example, if a Policy Owner changes the death benefit option from option 1 (death benefit = Selected Face Amount) to </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">option 2 (death benefit = Selected Face Amount + Account Value), the death benefit after the change will be based on the Account </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Value rather than remaining level. The Policy Owner may decide to make this change if the desire is to have a death benefit that will </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">increase if the Account Value grows.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Alternatively, a Policy Owner may change from death benefit option 2 to option 1 if they would like to have a level death benefit </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">following the change. Having a level death benefit (rather than increasing as the Account Value grows) would reduce the policy’s </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Insurance Risk as the policy’s Account Value increases and, as a result, would reduce the monthly insurance charges.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">When the Selected Face Amount changes as a result of a change in the death benefit option:</span></div><div>
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<td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:2pt;align:left;vertical-align:top;text-align:left;">
<div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">the monthly charges will also change; and</span>
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<div style="font-size:16pt;font-family:Arial, Helvetica, sans-serif;">•</div>
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<td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:2pt;align:left;vertical-align:top;text-align:left;">
<div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">the charge for certain additional benefits may change.</span>
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</table></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">You cannot change the death benefit option if, as a result, the Selected Face Amount would be reduced to an amount that is less than </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">the minimum face amount.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:16.836pt;;"><b>When We Pay Death Benefit Proceeds</b></span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">If the policy is In Force and it is determined that the claim is valid, we will normally pay the death benefit within seven calendar days </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">after the date we receive due proof of the Insured’s death and all required documents, in Good Order, at our Administrative Office.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Certain situations may delay payment of a death claim. These situations include, but are not limited to, our right to contest the validity </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">of a death claim. We investigate all death claims that occur within the policy’s two-year contestable periods as described below.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">We have the right to contest the validity of the policy for any material misrepresentation of a fact within two years:</span></div><div>
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<div style="font-size:16pt;font-family:Arial, Helvetica, sans-serif;">•</div>
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<td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:2pt;align:left;vertical-align:top;text-align:left;">
<div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">after the policy is issued;</span>
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<div style="font-size:16pt;font-family:Arial, Helvetica, sans-serif;">•</div>
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<td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:2pt;align:left;vertical-align:top;text-align:left;">
<div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">after any increase in Selected Face Amount; or</span>
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<div style="font-size:16pt;font-family:Arial, Helvetica, sans-serif;">•</div>
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<td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:2pt;align:left;vertical-align:top;text-align:left;">
<div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">after reinstatement.</span>
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</table></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">These two-year periods are called the policy’s “contestable periods.” We may also investigate death claims beyond the contestable </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">periods. After any two-year contestable period, in the absence of fraud, we cannot contest the validity of a policy or a Selected Face </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Amount increase, except for failure to pay premiums.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">We generally determine whether the contested claim is valid within five days after we receive the information from a completed </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">investigation. Since it may take some time to receive the information, payment could be delayed during this period.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">We can also delay payment of the death benefit if a portion is based on the Variable Account Value of the policy and the Insured’s date </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">of death is before or during any period when:</span></div><div>
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<div style="font-size:16pt;font-family:Arial, Helvetica, sans-serif;">•</div>
</td>
<td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:2pt;align:left;vertical-align:top;text-align:left;">
<div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">it is not reasonably practicable to determine the amount because the NYSE is closed (other than customary weekend and </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">holiday closings);</span>
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<div style="font-size:16pt;font-family:Arial, Helvetica, sans-serif;">•</div>
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<td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:2pt;align:left;vertical-align:top;text-align:left;">
<div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">trading is restricted by the SEC;</span>
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<div style="font-size:16pt;font-family:Arial, Helvetica, sans-serif;">•</div>
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<td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:2pt;align:left;vertical-align:top;text-align:left;">
<div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">an emergency exists as a result of which disposal of shares of the Funds is not reasonably practicable or we cannot </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">reasonably value the shares of the Funds; or</span>
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</table></div><div>
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<div style="font-size:16pt;font-family:Arial, Helvetica, sans-serif;">•</div>
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<td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:2pt;align:left;vertical-align:top;text-align:left;">
<div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">the SEC, by order, permits us to delay payment for the protection of our Policy Owners.</span>
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</table></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:16.836pt;;"><b>Interest on Death Benefit</b></span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">We will add interest to the death benefit from the date of the Insured’s death to the date of a lump sum payment or the effective date of </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">a payment option. Interest will be computed at the rate determined under the interest payment option, but not less than that required by </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">applicable state law. Interest paid on the death benefit is taxable as ordinary income in the year such interest is credited.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Although the death benefit is generally excludible from the income of the Beneficiary who receives it, interest on the death benefit is </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">includible in the Beneficiary’s income.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:16.836pt;;"><b>Payment Options</b></span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">We will pay the death benefit in a lump sum or under one of the payment options described more fully below. </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">If the payment option is </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">a lump sum when the Insured dies, the Beneficiary may elect any payment option, with our consent. If the Beneficiary does not elect a </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">payment option and you have not elected a payment option during the Insured’s lifetime, the death benefit will be paid as a single lump </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">sum.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The different death benefit payment options are described below. None of these benefits depends upon the performance of the Separate </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Account or the Guaranteed Principal Account.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Fixed Amount Payment Option.</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> We make a monthly payment for an agreed fixed amount. The amount of each payment may not be </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">less than $10 for each $1,000 applied. We credit interest of at least 3% per year each month on the unpaid balance and add the interest </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">to this balance. Payments continue until the amount we hold runs out. The last payment will be for balance only.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Fixed Time Payment Option.</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> We make equal monthly payments for any period selected, up to 30 years. The amount of each payment </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">depends on:</span></div><div>
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<td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:2pt;align:left;vertical-align:top;text-align:left;">
<div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">the total amount applied;</span>
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<div style="font-size:16pt;font-family:Arial, Helvetica, sans-serif;">•</div>
</td>
<td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:2pt;align:left;vertical-align:top;text-align:left;">
<div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">the period selected; and</span>
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<div style="font-size:16pt;font-family:Arial, Helvetica, sans-serif;">•</div>
</td>
<td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:2pt;align:left;vertical-align:top;text-align:left;">
<div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">the monthly interest rate we credit to the unpaid balance.</span>
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</table></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Lifetime Payment Option.</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> We make equal monthly payments on the life of a named person. Three variations are available:</span></div><div>
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<div style="font-size:16pt;font-family:Arial, Helvetica, sans-serif;">•</div>
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<div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Payments for life only;</span>
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<div style="font-size:16pt;font-family:Arial, Helvetica, sans-serif;">•</div>
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<td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:2pt;align:left;vertical-align:top;text-align:left;">
<div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Payments guaranteed for five, ten or twenty years or the death of the named person, whichever is later; or</span>
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<div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Payments guaranteed for the amount applied or the death of the named person, whichever is later.</span>
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</table></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Interest Payment Option.</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> We hold any amount applied under this option. We will pay interest monthly on the amount at an effective </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">annual rate determined by us. This rate will not be less than 3% per year on the unpaid balance.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Joint Lifetime Payment Option.</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> We make equal monthly payments based on the lives of two named persons. While both named </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">persons are living, we make one payment per month. When one of the named persons dies, the same payment continues for the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">lifetime of the other named person. We offer two variations:</span></div><div>
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<div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Payments guaranteed for 10 years or when both named persons die, whichever is later; and</span>
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<div style="font-size:16pt;font-family:Arial, Helvetica, sans-serif;">•</div>
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<div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Payments for two lives only. We do not guarantee a specific number of payments. We stop payments when both named </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">persons die.</span>
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</table></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Joint Lifetime Payment Option with Reduced Payments to Survivor.</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> We make monthly payments based on the lives of two named </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">persons. While both named persons are living, we make one payment each month. When one dies, we reduce the payments by </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">one-third and continue for the lifetime of the other named person. We stop payments when both named persons die.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The minimum amount that can be applied under a payment option is $2,000 per Beneficiary. If the periodic payment under any option </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">is less than $20, we reserve the right to make payments at less frequent intervals. Once payments have begun, only the fixed amount </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">and interest payment options may be changed.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">All payment option elections must be sent to our Administrative Office in writing. You may change the payment option during the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Insured’s lifetime.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Although the Death Benefit is generally excludible from the income of the Beneficiary who receives it, interest on the Death Benefit is </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">includible in the Beneficiary’s income in the year such interest is credited.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:16.836pt;;"><b>Right to Change the Selected Face Amount</b></span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">You may request an increase or decrease in the Selected Face Amount. If you decrease your Selected Face Amount, your policy </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">charges will change accordingly.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">If you increase or decrease the Selected Face Amount, your policy may become a MEC under federal tax law. MECs are discussed in </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">the “Federal Income Tax Considerations” section; however, you should consult your tax adviser for information on how a MEC may </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">affect your tax situation.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:13.224pt;;"><b>Increases in Selected Face Amount</b></span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">You may increase the Selected Face Amount by sending us a new enrollment form, or by sending us an application if you are no longer </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">associated with your employer. We may request evidence of insurability for an increase.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">We will not allow an increase in the Selected Face Amount on or after the Policy Anniversary following the Insured’s 75th birthday. </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Any increase in the Selected Face Amount will be effective on the Monthly Calculation Date which is on, or next follows, the later of:</span></div><div>
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<div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">15 calendar days after we have received (in Good Order at our Administrative Office) and approved your Written Request </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">for such change; or</span>
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<div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">the requested effective date of the change.</span>
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</table></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Any increase for Policy Owners no longer associated with the employer must be in an amount of at least $5,000.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:13.224pt;;"><b>Decreases in Selected Face Amount</b></span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">You may also decrease your policy’s Selected Face Amount. We allow a decrease in the Selected Face Amount only once per Policy </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Year. The Selected Face Amount after a decrease must be at least $50,000.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">We will not allow a decrease in the Selected Face Amount after the Policy Anniversary following the Insured’s 100</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;"><sup>th</sup></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> birthday. Any </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">requested decrease in the Selected Face Amount will be effective on the Monthly Calculation Date which is on, or next follows the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">latest of:</span></div><div>
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<div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">15 calendar days after we receive (in Good Order at our Administrative Office) and the date we approve your Written </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Request for such change;</span>
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<td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:2pt;align:left;vertical-align:top;text-align:left;">
<div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The one-year period following the effective date of your previously requested decrease; or</span>
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<div style="font-size:16pt;font-family:Arial, Helvetica, sans-serif;">•</div>
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<td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:2pt;align:left;vertical-align:top;text-align:left;">
<div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">the requested effective date of the change.</span>
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</table></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">A decrease in the policy’s Selected Face Amount may have adverse tax consequences. Please see the “Federal Income Tax </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Considerations” section.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:16.836pt;;"><b>Suicide</b></span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">If the Insured dies by suicide, while sane or insane, and the policy is In Force, the policy will terminate.</span></div><div>
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<div style="font-size:16pt;font-family:Arial, Helvetica, sans-serif;">•</div>
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<div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">If the death occurs within two years from the Issue Date, we will pay a limited death benefit equal to the amount of </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">premiums paid for the policy, less any Policy Debt and amounts withdrawn.</span></div>
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<div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">If the death occurs after two years from the Issue Date but within two years from an increase in any Selected Face Amount, </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">we will pay a limited death benefit equal to the sum of the monthly charges associated with the Selected Face Amount </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">increase. However, if the limited death benefit as described in the preceding bullet is payable, there will be no death benefit </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">for the increase.</span></div>
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<div style="font-size:16pt;font-family:Arial, Helvetica, sans-serif;">•</div>
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<div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">If the death occurs within two years after the policy is reinstated, we will pay a limited death benefit equal to the sum of any </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">amount paid to reinstate the policy plus any premiums paid thereafter, less any Policy Debt and amounts withdrawn.</span></div>
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</table></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Example:</b></span><br/><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Assume a policy is issued with a $500,000 Selected Face Amount under Death Benefit Option A. In Policy Year 4, the Policy Owner </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">applies for a $250,000 Selected Face Amount increase, which is approved. If the Insured commits suicide within two years of the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">increase, the benefit payable to the Beneficiaries is equal to the original $500,000 death benefit, plus an additional payment equal to </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">the monthly charges that were deducted from the Account Value for the increase segment of $250,000.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Please see ‘‘Appendix D – State Variations of Certain Policy Features’’ for state variations pertaining to this provision.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:16.836pt;;"><b>Misstatement of Age</b></span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">If the Insured’s age is misstated in the application, or the policy has been issued incorrectly, we may adjust the Selected Face Amount. </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The adjustment will reflect the amount provided by the most recent monthly cost of insurance charges using the correct age. If the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">adjustment is made while the Insured is living, monthly charges after the adjustment will be based on the correct age.</span></div>
<span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Death Benefit Option A</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> – the death benefit is the greater of:</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">the Selected Face Amount in effect on the date of death; or</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">the minimum face amount in effect on the date of death.</span>
<span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Death Benefit Option B</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> – the death benefit is the greater of:</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">the sum of the Selected Face Amount in effect on the date of death plus the Account Value on the date of death; or</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">the minimum face amount in effect on the date of death.</span>
<span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">You should note that under Death Benefit Option A, the death benefit amount is not affected by your policy’s investment experience </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">unless the death benefit is based on the minimum face amount. Under Death Benefit Option B, the death benefit is a variable death </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">benefit. This means that, because the death benefit amount includes the Account Value, it can change from day to day. Your policy’s </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Account Value will vary due to the investment performance of the Separate Account Divisions in which you have allocated premium </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">or transferred funds. It is also impacted by the deduction of charges and other policy expenses. It is possible that the policy’s Account </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Value can be zero, which will reduce the overall value of the death benefit. The “Policy Value” section provides more detailed </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">information on how your policy’s Account Value is determined.</span>
<span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:16.836pt;;"><b>Right to Change the Death Benefit Option</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">You may change your Death Benefit Option at any time while the Insured is living by Written Request and subject to our guidelines </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">regarding proof of insurability. However, no change will be permitted after the Policy Anniversary nearest the Insured’s 100</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;"><sup>th</sup></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> birthday. </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">There is no charge for a change in the Death Benefit Option; however the monthly deduction amount will change.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The effective date of any change in the Death Benefit Option will be your first Policy Anniversary on, or next following, the later of:</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">15 calendar days after we receive (in Good Order at our Administrative Office) and approve your Written Request for such </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">change; or</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">the requested effective date of the change.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">If you change your death benefit option, we will adjust your policy’s Selected Face Amount. The Selected Face Amount adjustment </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">(up or down) will be in the amount needed so that the death benefit immediately before the change will be the same as the death </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">benefit after the change.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Please see Appendix C for examples of how a change in death benefit option may impact the policy’s Selected Face Amount.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The death benefit following a death benefit option change, however, will behave differently based on the new death benefit option in </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">effect. For example, if a Policy Owner changes the death benefit option from option 1 (death benefit = Selected Face Amount) to </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">option 2 (death benefit = Selected Face Amount + Account Value), the death benefit after the change will be based on the Account </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Value rather than remaining level. The Policy Owner may decide to make this change if the desire is to have a death benefit that will </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">increase if the Account Value grows.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Alternatively, a Policy Owner may change from death benefit option 2 to option 1 if they would like to have a level death benefit </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">following the change. Having a level death benefit (rather than increasing as the Account Value grows) would reduce the policy’s </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Insurance Risk as the policy’s Account Value increases and, as a result, would reduce the monthly insurance charges.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">When the Selected Face Amount changes as a result of a change in the death benefit option:</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">the monthly charges will also change; and</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">the charge for certain additional benefits may change.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">You cannot change the death benefit option if, as a result, the Selected Face Amount would be reduced to an amount that is less than </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">the minimum face amount.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:16.836pt;;"><b>When We Pay Death Benefit Proceeds</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">If the policy is In Force and it is determined that the claim is valid, we will normally pay the death benefit within seven calendar days </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">after the date we receive due proof of the Insured’s death and all required documents, in Good Order, at our Administrative Office.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Certain situations may delay payment of a death claim. These situations include, but are not limited to, our right to contest the validity </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">of a death claim. We investigate all death claims that occur within the policy’s two-year contestable periods as described below.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">We have the right to contest the validity of the policy for any material misrepresentation of a fact within two years:</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">after the policy is issued;</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">after any increase in Selected Face Amount; or</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">after reinstatement.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">These two-year periods are called the policy’s “contestable periods.” We may also investigate death claims beyond the contestable </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">periods. After any two-year contestable period, in the absence of fraud, we cannot contest the validity of a policy or a Selected Face </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Amount increase, except for failure to pay premiums.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">We generally determine whether the contested claim is valid within five days after we receive the information from a completed </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">investigation. Since it may take some time to receive the information, payment could be delayed during this period.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">We can also delay payment of the death benefit if a portion is based on the Variable Account Value of the policy and the Insured’s date </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">of death is before or during any period when:</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">it is not reasonably practicable to determine the amount because the NYSE is closed (other than customary weekend and </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">holiday closings);</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">trading is restricted by the SEC;</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">an emergency exists as a result of which disposal of shares of the Funds is not reasonably practicable or we cannot </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">reasonably value the shares of the Funds; or</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">the SEC, by order, permits us to delay payment for the protection of our Policy Owners.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:16.836pt;;"><b>Interest on Death Benefit</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">We will add interest to the death benefit from the date of the Insured’s death to the date of a lump sum payment or the effective date of </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">a payment option. Interest will be computed at the rate determined under the interest payment option, but not less than that required by </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">applicable state law. Interest paid on the death benefit is taxable as ordinary income in the year such interest is credited.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Although the death benefit is generally excludible from the income of the Beneficiary who receives it, interest on the death benefit is </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">includible in the Beneficiary’s income.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:16.836pt;;"><b>Payment Options</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">We will pay the death benefit in a lump sum or under one of the payment options described more fully below. </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">If the payment option is </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">a lump sum when the Insured dies, the Beneficiary may elect any payment option, with our consent. If the Beneficiary does not elect a </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">payment option and you have not elected a payment option during the Insured’s lifetime, the death benefit will be paid as a single lump </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">sum.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The different death benefit payment options are described below. None of these benefits depends upon the performance of the Separate </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Account or the Guaranteed Principal Account.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Fixed Amount Payment Option.</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> We make a monthly payment for an agreed fixed amount. The amount of each payment may not be </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">less than $10 for each $1,000 applied. We credit interest of at least 3% per year each month on the unpaid balance and add the interest </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">to this balance. Payments continue until the amount we hold runs out. The last payment will be for balance only.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Fixed Time Payment Option.</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> We make equal monthly payments for any period selected, up to 30 years. The amount of each payment </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">depends on:</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">the total amount applied;</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">the period selected; and</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">the monthly interest rate we credit to the unpaid balance.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Lifetime Payment Option.</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> We make equal monthly payments on the life of a named person. Three variations are available:</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Payments for life only;</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Payments guaranteed for five, ten or twenty years or the death of the named person, whichever is later; or</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Payments guaranteed for the amount applied or the death of the named person, whichever is later.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Interest Payment Option.</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> We hold any amount applied under this option. We will pay interest monthly on the amount at an effective </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">annual rate determined by us. This rate will not be less than 3% per year on the unpaid balance.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Joint Lifetime Payment Option.</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> We make equal monthly payments based on the lives of two named persons. While both named </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">persons are living, we make one payment per month. When one of the named persons dies, the same payment continues for the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">lifetime of the other named person. We offer two variations:</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Payments guaranteed for 10 years or when both named persons die, whichever is later; and</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Payments for two lives only. We do not guarantee a specific number of payments. We stop payments when both named </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">persons die.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"><b>Joint Lifetime Payment Option with Reduced Payments to Survivor.</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> We make monthly payments based on the lives of two named </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">persons. While both named persons are living, we make one payment each month. When one dies, we reduce the payments by </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">one-third and continue for the lifetime of the other named person. We stop payments when both named persons die.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The minimum amount that can be applied under a payment option is $2,000 per Beneficiary. If the periodic payment under any option </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">is less than $20, we reserve the right to make payments at less frequent intervals. Once payments have begun, only the fixed amount </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">and interest payment options may be changed.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">All payment option elections must be sent to our Administrative Office in writing. You may change the payment option during the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Insured’s lifetime.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Although the Death Benefit is generally excludible from the income of the Beneficiary who receives it, interest on the Death Benefit is </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">includible in the Beneficiary’s income in the year such interest is credited.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:16.836pt;;"><b>Right to Change the Selected Face Amount</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">You may request an increase or decrease in the Selected Face Amount. If you decrease your Selected Face Amount, your policy </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">charges will change accordingly.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">If you increase or decrease the Selected Face Amount, your policy may become a MEC under federal tax law. MECs are discussed in </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">the “Federal Income Tax Considerations” section; however, you should consult your tax adviser for information on how a MEC may </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">affect your tax situation.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:13.224pt;;"><b>Increases in Selected Face Amount</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">You may increase the Selected Face Amount by sending us a new enrollment form, or by sending us an application if you are no longer </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">associated with your employer. We may request evidence of insurability for an increase.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">We will not allow an increase in the Selected Face Amount on or after the Policy Anniversary following the Insured’s 75th birthday. </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Any increase in the Selected Face Amount will be effective on the Monthly Calculation Date which is on, or next follows, the later of:</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">15 calendar days after we have received (in Good Order at our Administrative Office) and approved your Written Request </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">for such change; or</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">the requested effective date of the change.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Any increase for Policy Owners no longer associated with the employer must be in an amount of at least $5,000.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:13.224pt;;"><b>Decreases in Selected Face Amount</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">You may also decrease your policy’s Selected Face Amount. We allow a decrease in the Selected Face Amount only once per Policy </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Year. The Selected Face Amount after a decrease must be at least $50,000.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">We will not allow a decrease in the Selected Face Amount after the Policy Anniversary following the Insured’s 100</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;"><sup>th</sup></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> birthday. Any </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">requested decrease in the Selected Face Amount will be effective on the Monthly Calculation Date which is on, or next follows the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">latest of:</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">15 calendar days after we receive (in Good Order at our Administrative Office) and the date we approve your Written </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Request for such change;</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The one-year period following the effective date of your previously requested decrease; or</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">the requested effective date of the change.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">A decrease in the policy’s Selected Face Amount may have adverse tax consequences. Please see the “Federal Income Tax </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Considerations” section.</span>
<div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:24.060000000000002pt;;">Other Benefits Available Under the Policy</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:16.836pt;;"><b>Additional Benefits</b></span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">In addition to the standard death benefit associated with your policy, other standard and/or optional benefits may be available to you.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">You can obtain additional benefits if you request them and/or qualify for them. We provide certain additional benefits by rider or </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">endorsement. The cost of each rider is generally deducted as part of the monthly charges. Some riders do not result in monthly charges, </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">but do require a fee to exercise the riders.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">We also offer two automated transfer programs as additional benefits – Automated Account Value Transfer and Automated Account </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Re-balancing. Please note that you cannot select both the Automated Account Value Transfer and Automated Account Re-balancing at </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">the same time.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The following table summarizes the information about the additional benefits available under the policy. Information about the fees </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">associated with each benefit included in the table may be found in the Fee Table.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">There may be state variations associated with these benefits. Please see “Appendix D – State Variations of Certain Policy Features.”</span></div><div><div>
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<tr>
<td colspan="1" style="background-color:#A5A5A5;;vertical-align:bottom">
<div style="background-color:#A5A5A5;padding-left:6pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;"><b>Name of Benefit</b></span></span>
</div>
</td>
<td colspan="1" style="background-color:#A5A5A5;;vertical-align:bottom">
<div style="background-color:#A5A5A5;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;"><b>Purpose</b></span></div>
</td>
<td colspan="1" style="background-color:#A5A5A5;;vertical-align:bottom">
<div style="background-color:#A5A5A5;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;"><b>Is this Benefit</b></span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;"><b>Standard or</b></span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;"><b>Optional?</b></span></div>
</td>
<td colspan="1" style="background-color:#A5A5A5;;vertical-align:bottom">
<div style="background-color:#A5A5A5;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;"><b>Brief Description of Restrictions/Limitations</b></span></div>
</td>
</tr>
<tr>
<td colspan="1" style="vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:6pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;"><b>Accelerated Benefits </b></span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;"><b>Rider</b></span></span>
</div>
</td>
<td colspan="1" style="vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">Advances portion of death benefit if </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">Insured is terminally ill and not </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">expected to live more than 12 </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">months.</span>
</div>
</td>
<td colspan="1" style="vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">Standard</span>
</div>
</td>
<td colspan="1" style="vertical-align:top">
<div style="padding:0;margin:0;width:100%;">
<ul style="font-size:16pt;line-height:10pt;padding-left:8pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';">
<li style="padding:0;margin:0;">
<div style="margin-top:2pt; padding-left:16pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">Eligible payment amount (Eligible Amount) does </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">not include: amount payable upon the death of </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">Insured under any life insurance rider that does </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">not provide level or increasing coverage for at </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">least two years after the Acceleration Date; </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">amount of any insurance provided under the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">policies or riders on the life on someone other </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">than Insured; and amount payable under </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">accidental death benefit rider. Minimum payment </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">is $25,000.</span>
</div>
</li>
</ul>
</div>
<div style="padding:0;margin:0;width:100%;">
<ul style="font-size:16pt;line-height:10pt;padding-left:8pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';">
<li style="padding:0;margin:0;">
<div style="margin-top:2pt; padding-left:16pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">Maximum payment is lesser of 75% of Eligible </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">Amount and $250,000, minus total amount </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">accelerated under all other policies issued by us </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">or any of our affiliates on Insured.</span>
</div>
</li>
</ul>
</div>
<div style="padding:0;margin:0;width:100%;">
<ul style="font-size:16pt;line-height:10pt;padding-left:8pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';">
<li style="padding:0;margin:0;">
<div style="margin-top:2pt; padding-left:16pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">A lien equal to the amount paid under the rider </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">will be established against the policy. The amount </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">of the lien will be deducted from the amount of </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">payment under the policy upon the death of </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">Insured.</span>
</div>
</li>
</ul>
</div>
</td>
</tr>
<tr>
<td colspan="1" style="background-color:#E5E5E5;;vertical-align:top">
<div style="background-color:#E5E5E5;padding-left:6pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;"><b>Accidental Death and </b></span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;"><b>Dismemberment Rider</b></span></span>
</div>
</td>
<td colspan="1" style="background-color:#E5E5E5;;vertical-align:top">
<div style="background-color:#E5E5E5;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">Provides additional death benefit if </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">Insured dies or becomes </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">dismembered due to accidental </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">causes prior to Attained Age 65.</span>
</div>
</td>
<td colspan="1" style="background-color:#E5E5E5;;vertical-align:top">
<div style="background-color:#E5E5E5;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">Optional</span>
</div>
</td>
<td colspan="1" style="background-color:#E5E5E5;;vertical-align:top">
<div style="padding:0;margin:0;width:100%;">
<ul style="font-size:16pt;line-height:10pt;padding-left:8pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';">
<li style="padding:0;margin:0;">
<div style="margin-top:2pt; padding-left:16pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">In event of accidental death of Insured, benefit </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">equals lesser of (1) Selected Face Amount on date </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">of Insured’s death and (2) $500,000.</span>
</div>
</li>
</ul>
</div>
<div style="padding:0;margin:0;width:100%;">
<ul style="font-size:16pt;line-height:10pt;padding-left:8pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';">
<li style="padding:0;margin:0;">
<div style="margin-top:2pt; padding-left:16pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">Must provide proof that Insured’s death occurred </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">1) as direct result of bodily injury; 2) within 180 </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">days after injury; and 3) while policy and rider </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">were in effect.</span>
</div>
</li>
</ul>
</div>
<div style="padding:0;margin:0;width:100%;">
<ul style="font-size:16pt;line-height:10pt;padding-left:8pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';">
<li style="padding:0;margin:0;">
<div style="margin-top:2pt; padding-left:16pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">No benefit paid if death results directly or </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">indirectly from 1) suicide; 2) war; 3) military </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">service; 4) aviation travel as pilot, crew member, </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">or giving or receiving training; 5) natural causes; </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">6) drugs; or 7) injury received in commission of </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">felony.</span>
</div>
</li>
</ul>
</div>
</td>
</tr>
<tr>
<td colspan="1" style="vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:6pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;"><b>Waiver of Monthly </b></span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;"><b>Charges Rider</b></span></span>
</div>
</td>
<td colspan="1" style="vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">Waives Account Value charges of </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">your policy while Insured becomes </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">totally disabled (as defined in the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">rider).</span>
</div>
</td>
<td colspan="1" style="vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">Optional</span>
</div>
</td>
<td colspan="1" style="vertical-align:top">
<div style="padding:0;margin:0;width:100%;">
<ul style="font-size:16pt;line-height:10pt;padding-left:8pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';">
<li style="padding:0;margin:0;">
<div style="margin-top:2pt; padding-left:16pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">Evidence of insurability required to add rider.</span>
</div>
</li>
</ul>
</div>
<div style="padding:0;margin:0;width:100%;">
<ul style="font-size:16pt;line-height:10pt;padding-left:8pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';">
<li style="padding:0;margin:0;">
<div style="margin-top:2pt; padding-left:16pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">Rider benefit ends day before Insured’s Attained </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">Age 65.</span>
</div>
</li>
</ul>
</div>
<div style="padding:0;margin:0;width:100%;">
<ul style="font-size:16pt;line-height:10pt;padding-left:8pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';">
<li style="padding:0;margin:0;">
<div style="margin-top:2pt; padding-left:16pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">No benefit paid if disability results directly or </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">indirectly from (1) self-inflicted injury or (2) </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">military service.</span>
</div>
</li>
</ul>
</div>
</td>
</tr>
<tr>
<td colspan="1" style="background-color:#E5E5E5;;vertical-align:top">
<div style="background-color:#E5E5E5;padding-left:6pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;"><b>Automated Account Value </b></span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;"><b>Transfer</b></span></span>
</div>
</td>
<td colspan="1" style="background-color:#E5E5E5;;vertical-align:top">
<div style="background-color:#E5E5E5;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">Automatically transfers of Account </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">Value in a Separate Account Division </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">to any combination of Separate </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">Account Divisions and GPA monthly.</span>
</div>
</td>
<td colspan="1" style="background-color:#E5E5E5;;vertical-align:top">
<div style="background-color:#E5E5E5;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">Optional</span>
</div>
</td>
<td colspan="1" style="background-color:#E5E5E5;;vertical-align:top">
<div style="padding:0;margin:0;width:100%;">
<ul style="font-size:16pt;line-height:10pt;padding-left:8pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';">
<li style="padding:0;margin:0;">
<div style="margin-top:2pt; padding-left:16pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">Limits allocation of Account Value to up to 25 </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">Divisions and GPA at any one time.</span>
</div>
</li>
</ul>
</div>
<div style="padding:0;margin:0;width:100%;">
<ul style="font-size:16pt;line-height:10pt;padding-left:8pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';">
<li style="padding:0;margin:0;">
<div style="margin-top:2pt; padding-left:16pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">Automated Account Value Transfers are not </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">available from more than one Division or from </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">GPA at any time.</span>
</div>
</li>
</ul>
</div>
<div style="padding:0;margin:0;width:100%;">
<ul style="font-size:16pt;line-height:10pt;padding-left:8pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';">
<li style="padding:0;margin:0;">
<div style="margin-top:2pt; padding-left:16pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">We may at any time modify, suspend or terminate </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">Automated Account Value Transfer Program </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">without prior notification.</span>
</div>
</li>
</ul>
</div>
<div style="padding:0;margin:0;width:100%;">
<ul style="font-size:16pt;line-height:10pt;padding-left:8pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';">
<li style="padding:0;margin:0;">
<div style="margin-top:2pt; padding-left:16pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">You may not participate in the Automated </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">Account Re-balancing Program at same time.</span>
</div>
</li>
</ul>
</div>
</td>
</tr>
</table></div></div><div><div>
<table cellspacing="0" style="width:100%;cellspacing:0;padding-bottom:5pt;padding-top:5pt;margin-left:0pt;">
<tr style="height:1px;">
<td style="height:1px;background-color:#A5A5A5;;width:20%"></td>
<td style="height:1px;background-color:#A5A5A5;;width:25.000923361034165%"></td>
<td style="height:1px;background-color:#A5A5A5;;width:20%"></td>
<td style="height:1px;background-color:#A5A5A5;;width:34.99907663896584%"></td>
</tr>
<tr>
<td colspan="1" style="background-color:#A5A5A5;;vertical-align:bottom">
<div style="background-color:#A5A5A5;padding-left:6pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;"><b>Name of Benefit</b></span></span>
</div>
</td>
<td colspan="1" style="background-color:#A5A5A5;;vertical-align:bottom">
<div style="background-color:#A5A5A5;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;"><b>Purpose</b></span></div>
</td>
<td colspan="1" style="background-color:#A5A5A5;;vertical-align:bottom">
<div style="background-color:#A5A5A5;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;"><b>Is this Benefit</b></span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;"><b>Standard or</b></span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;"><b>Optional?</b></span></div>
</td>
<td colspan="1" style="background-color:#A5A5A5;;vertical-align:bottom">
<div style="background-color:#A5A5A5;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;"><b>Brief Description of Restrictions/Limitations </b></span></div>
</td>
</tr>
<tr>
<td colspan="1" style="vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:6pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;"><b>Automated Account </b></span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;"><b>Re-balancing</b></span></span>
</div>
</td>
<td colspan="1" style="vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">Automatically re-balances Account </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">Value to maintain original percent </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">allocation of any combination of </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">Separate Account Divisions and </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">GPA.</span>
</div>
</td>
<td colspan="1" style="vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">Optional</span>
</div>
</td>
<td colspan="1" style="vertical-align:top">
<div style="padding:0;margin:0;width:100%;">
<ul style="font-size:16pt;line-height:10pt;padding-left:8pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';">
<li style="padding:0;margin:0;">
<div style="margin-top:2pt; padding-left:16pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">Limits allocation of Account Value to up to 25 </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">Divisions and GPA at any one time.</span>
</div>
</li>
</ul>
</div>
<div style="padding:0;margin:0;width:100%;">
<ul style="font-size:16pt;line-height:10pt;padding-left:8pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';">
<li style="padding:0;margin:0;">
<div style="margin-top:2pt; padding-left:16pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">Minimum amount for transfer is $5.00.</span>
</div>
</li>
</ul>
</div>
<div style="padding:0;margin:0;width:100%;">
<ul style="font-size:16pt;line-height:10pt;padding-left:8pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';">
<li style="padding:0;margin:0;">
<div style="margin-top:2pt; padding-left:16pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">We may at any time modify, suspend or terminate </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">Automated Account Re-balancing Program </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">without prior notification.</span>
</div>
</li>
</ul>
</div>
<div style="padding:0;margin:0;width:100%;">
<ul style="font-size:16pt;line-height:10pt;padding-left:8pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';">
<li style="padding:0;margin:0;">
<div style="margin-top:2pt; padding-left:16pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">You may not participate in Account Value </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">Transfer Program at same time.</span>
</div>
</li>
</ul>
</div>
</td>
</tr>
</table></div></div>
<div>
<table cellspacing="0" style="width:100%;cellspacing:0;padding-bottom:2pt;padding-top:0pt;margin-left:0pt;">
<tr style="height:1px;">
<td style="height:1px;background-color:#A5A5A5;;width:20%"></td>
<td style="height:1px;background-color:#A5A5A5;;width:25.000923361034165%"></td>
<td style="height:1px;background-color:#A5A5A5;;width:20%"></td>
<td style="height:1px;background-color:#A5A5A5;;width:34.99907663896584%"></td>
</tr>
<tr>
<td colspan="1" style="background-color:#A5A5A5;;vertical-align:bottom">
<div style="background-color:#A5A5A5;padding-left:6pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;"><b>Name of Benefit</b></span></span>
</div>
</td>
<td colspan="1" style="background-color:#A5A5A5;;vertical-align:bottom">
<div style="background-color:#A5A5A5;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;"><b>Purpose</b></span></div>
</td>
<td colspan="1" style="background-color:#A5A5A5;;vertical-align:bottom">
<div style="background-color:#A5A5A5;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;"><b>Is this Benefit</b></span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;"><b>Standard or</b></span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;"><b>Optional?</b></span></div>
</td>
<td colspan="1" style="background-color:#A5A5A5;;vertical-align:bottom">
<div style="background-color:#A5A5A5;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;"><b>Brief Description of Restrictions/Limitations</b></span></div>
</td>
</tr>
<tr>
<td colspan="1" style="vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:6pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;"><b>Accelerated Benefits </b></span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;"><b>Rider</b></span></span>
</div>
</td>
<td colspan="1" style="vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">Advances portion of death benefit if </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">Insured is terminally ill and not </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">expected to live more than 12 </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">months.</span>
</div>
</td>
<td colspan="1" style="vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">Standard</span>
</div>
</td>
<td colspan="1" style="vertical-align:top">
<div style="padding:0;margin:0;width:100%;">
<ul style="font-size:16pt;line-height:10pt;padding-left:8pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';">
<li style="padding:0;margin:0;">
<div style="margin-top:2pt; padding-left:16pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">Eligible payment amount (Eligible Amount) does </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">not include: amount payable upon the death of </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">Insured under any life insurance rider that does </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">not provide level or increasing coverage for at </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">least two years after the Acceleration Date; </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">amount of any insurance provided under the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">policies or riders on the life on someone other </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">than Insured; and amount payable under </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">accidental death benefit rider. Minimum payment </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">is $25,000.</span>
</div>
</li>
</ul>
</div>
<div style="padding:0;margin:0;width:100%;">
<ul style="font-size:16pt;line-height:10pt;padding-left:8pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';">
<li style="padding:0;margin:0;">
<div style="margin-top:2pt; padding-left:16pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">Maximum payment is lesser of 75% of Eligible </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">Amount and $250,000, minus total amount </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">accelerated under all other policies issued by us </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">or any of our affiliates on Insured.</span>
</div>
</li>
</ul>
</div>
<div style="padding:0;margin:0;width:100%;">
<ul style="font-size:16pt;line-height:10pt;padding-left:8pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';">
<li style="padding:0;margin:0;">
<div style="margin-top:2pt; padding-left:16pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">A lien equal to the amount paid under the rider </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">will be established against the policy. The amount </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">of the lien will be deducted from the amount of </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">payment under the policy upon the death of </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">Insured.</span>
</div>
</li>
</ul>
</div>
</td>
</tr>
<tr>
<td colspan="1" style="background-color:#E5E5E5;;vertical-align:top">
<div style="background-color:#E5E5E5;padding-left:6pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;"><b>Accidental Death and </b></span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;"><b>Dismemberment Rider</b></span></span>
</div>
</td>
<td colspan="1" style="background-color:#E5E5E5;;vertical-align:top">
<div style="background-color:#E5E5E5;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">Provides additional death benefit if </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">Insured dies or becomes </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">dismembered due to accidental </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">causes prior to Attained Age 65.</span>
</div>
</td>
<td colspan="1" style="background-color:#E5E5E5;;vertical-align:top">
<div style="background-color:#E5E5E5;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">Optional</span>
</div>
</td>
<td colspan="1" style="background-color:#E5E5E5;;vertical-align:top">
<div style="padding:0;margin:0;width:100%;">
<ul style="font-size:16pt;line-height:10pt;padding-left:8pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';">
<li style="padding:0;margin:0;">
<div style="margin-top:2pt; padding-left:16pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">In event of accidental death of Insured, benefit </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">equals lesser of (1) Selected Face Amount on date </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">of Insured’s death and (2) $500,000.</span>
</div>
</li>
</ul>
</div>
<div style="padding:0;margin:0;width:100%;">
<ul style="font-size:16pt;line-height:10pt;padding-left:8pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';">
<li style="padding:0;margin:0;">
<div style="margin-top:2pt; padding-left:16pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">Must provide proof that Insured’s death occurred </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">1) as direct result of bodily injury; 2) within 180 </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">days after injury; and 3) while policy and rider </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">were in effect.</span>
</div>
</li>
</ul>
</div>
<div style="padding:0;margin:0;width:100%;">
<ul style="font-size:16pt;line-height:10pt;padding-left:8pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';">
<li style="padding:0;margin:0;">
<div style="margin-top:2pt; padding-left:16pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">No benefit paid if death results directly or </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">indirectly from 1) suicide; 2) war; 3) military </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">service; 4) aviation travel as pilot, crew member, </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">or giving or receiving training; 5) natural causes; </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">6) drugs; or 7) injury received in commission of </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">felony.</span>
</div>
</li>
</ul>
</div>
</td>
</tr>
<tr>
<td colspan="1" style="vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:6pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;"><b>Waiver of Monthly </b></span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;"><b>Charges Rider</b></span></span>
</div>
</td>
<td colspan="1" style="vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">Waives Account Value charges of </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">your policy while Insured becomes </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">totally disabled (as defined in the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">rider).</span>
</div>
</td>
<td colspan="1" style="vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">Optional</span>
</div>
</td>
<td colspan="1" style="vertical-align:top">
<div style="padding:0;margin:0;width:100%;">
<ul style="font-size:16pt;line-height:10pt;padding-left:8pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';">
<li style="padding:0;margin:0;">
<div style="margin-top:2pt; padding-left:16pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">Evidence of insurability required to add rider.</span>
</div>
</li>
</ul>
</div>
<div style="padding:0;margin:0;width:100%;">
<ul style="font-size:16pt;line-height:10pt;padding-left:8pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';">
<li style="padding:0;margin:0;">
<div style="margin-top:2pt; padding-left:16pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">Rider benefit ends day before Insured’s Attained </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">Age 65.</span>
</div>
</li>
</ul>
</div>
<div style="padding:0;margin:0;width:100%;">
<ul style="font-size:16pt;line-height:10pt;padding-left:8pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';">
<li style="padding:0;margin:0;">
<div style="margin-top:2pt; padding-left:16pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">No benefit paid if disability results directly or </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">indirectly from (1) self-inflicted injury or (2) </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">military service.</span>
</div>
</li>
</ul>
</div>
</td>
</tr>
<tr>
<td colspan="1" style="background-color:#E5E5E5;;vertical-align:top">
<div style="background-color:#E5E5E5;padding-left:6pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;"><b>Automated Account Value </b></span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;"><b>Transfer</b></span></span>
</div>
</td>
<td colspan="1" style="background-color:#E5E5E5;;vertical-align:top">
<div style="background-color:#E5E5E5;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">Automatically transfers of Account </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">Value in a Separate Account Division </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">to any combination of Separate </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">Account Divisions and GPA monthly.</span>
</div>
</td>
<td colspan="1" style="background-color:#E5E5E5;;vertical-align:top">
<div style="background-color:#E5E5E5;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">Optional</span>
</div>
</td>
<td colspan="1" style="background-color:#E5E5E5;;vertical-align:top">
<div style="padding:0;margin:0;width:100%;">
<ul style="font-size:16pt;line-height:10pt;padding-left:8pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';">
<li style="padding:0;margin:0;">
<div style="margin-top:2pt; padding-left:16pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">Limits allocation of Account Value to up to 25 </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">Divisions and GPA at any one time.</span>
</div>
</li>
</ul>
</div>
<div style="padding:0;margin:0;width:100%;">
<ul style="font-size:16pt;line-height:10pt;padding-left:8pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';">
<li style="padding:0;margin:0;">
<div style="margin-top:2pt; padding-left:16pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">Automated Account Value Transfers are not </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">available from more than one Division or from </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">GPA at any time.</span>
</div>
</li>
</ul>
</div>
<div style="padding:0;margin:0;width:100%;">
<ul style="font-size:16pt;line-height:10pt;padding-left:8pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';">
<li style="padding:0;margin:0;">
<div style="margin-top:2pt; padding-left:16pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">We may at any time modify, suspend or terminate </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">Automated Account Value Transfer Program </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">without prior notification.</span>
</div>
</li>
</ul>
</div>
<div style="padding:0;margin:0;width:100%;">
<ul style="font-size:16pt;line-height:10pt;padding-left:8pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';">
<li style="padding:0;margin:0;">
<div style="margin-top:2pt; padding-left:16pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">You may not participate in the Automated </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">Account Re-balancing Program at same time.</span>
</div>
</li>
</ul>
</div>
</td>
</tr>
</table></div><div>
<table cellspacing="0" style="width:100%;cellspacing:0;padding-bottom:5pt;padding-top:5pt;margin-left:0pt;">
<tr style="height:1px;">
<td style="height:1px;background-color:#A5A5A5;;width:20%"></td>
<td style="height:1px;background-color:#A5A5A5;;width:25.000923361034165%"></td>
<td style="height:1px;background-color:#A5A5A5;;width:20%"></td>
<td style="height:1px;background-color:#A5A5A5;;width:34.99907663896584%"></td>
</tr>
<tr>
<td colspan="1" style="background-color:#A5A5A5;;vertical-align:bottom">
<div style="background-color:#A5A5A5;padding-left:6pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;"><b>Name of Benefit</b></span></span>
</div>
</td>
<td colspan="1" style="background-color:#A5A5A5;;vertical-align:bottom">
<div style="background-color:#A5A5A5;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;"><b>Purpose</b></span></div>
</td>
<td colspan="1" style="background-color:#A5A5A5;;vertical-align:bottom">
<div style="background-color:#A5A5A5;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;"><b>Is this Benefit</b></span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;"><b>Standard or</b></span><br/><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;"><b>Optional?</b></span></div>
</td>
<td colspan="1" style="background-color:#A5A5A5;;vertical-align:bottom">
<div style="background-color:#A5A5A5;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;"><b>Brief Description of Restrictions/Limitations </b></span></div>
</td>
</tr>
<tr>
<td colspan="1" style="vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:6pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;"><b>Automated Account </b></span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;"><b>Re-balancing</b></span></span>
</div>
</td>
<td colspan="1" style="vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">Automatically re-balances Account </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">Value to maintain original percent </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">allocation of any combination of </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">Separate Account Divisions and </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">GPA.</span>
</div>
</td>
<td colspan="1" style="vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">Optional</span>
</div>
</td>
<td colspan="1" style="vertical-align:top">
<div style="padding:0;margin:0;width:100%;">
<ul style="font-size:16pt;line-height:10pt;padding-left:8pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';">
<li style="padding:0;margin:0;">
<div style="margin-top:2pt; padding-left:16pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">Limits allocation of Account Value to up to 25 </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">Divisions and GPA at any one time.</span>
</div>
</li>
</ul>
</div>
<div style="padding:0;margin:0;width:100%;">
<ul style="font-size:16pt;line-height:10pt;padding-left:8pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';">
<li style="padding:0;margin:0;">
<div style="margin-top:2pt; padding-left:16pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">Minimum amount for transfer is $5.00.</span>
</div>
</li>
</ul>
</div>
<div style="padding:0;margin:0;width:100%;">
<ul style="font-size:16pt;line-height:10pt;padding-left:8pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';">
<li style="padding:0;margin:0;">
<div style="margin-top:2pt; padding-left:16pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">We may at any time modify, suspend or terminate </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">Automated Account Re-balancing Program </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">without prior notification.</span>
</div>
</li>
</ul>
</div>
<div style="padding:0;margin:0;width:100%;">
<ul style="font-size:16pt;line-height:10pt;padding-left:8pt;text-align:left;margin:0;vertical-align:top;margin-top:-1pt;color:#000000;;list-style-type:'•';">
<li style="padding:0;margin:0;">
<div style="margin-top:2pt; padding-left:16pt;vertical-align:bottom;color:#000000;;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">You may not participate in Account Value </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">Transfer Program at same time.</span>
</div>
</li>
</ul>
</div>
</td>
</tr>
</table></div>
<span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;"><b>Accelerated Benefits </b></span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;"><b>Rider</b></span></span>
<span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">Advances portion of death benefit if </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">Insured is terminally ill and not </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">expected to live more than 12 </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">months.</span>
true
<span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">Eligible payment amount (Eligible Amount) does </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">not include: amount payable upon the death of </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">Insured under any life insurance rider that does </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">not provide level or increasing coverage for at </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">least two years after the Acceleration Date; </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">amount of any insurance provided under the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">policies or riders on the life on someone other </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">than Insured; and amount payable under </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">accidental death benefit rider. Minimum payment </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">is $25,000.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">Maximum payment is lesser of 75% of Eligible </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">Amount and $250,000, minus total amount </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">accelerated under all other policies issued by us </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">or any of our affiliates on Insured.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">A lien equal to the amount paid under the rider </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">will be established against the policy. The amount </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">of the lien will be deducted from the amount of </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">payment under the policy upon the death of </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">Insured.</span>
<span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;"><b>Accidental Death and </b></span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;"><b>Dismemberment Rider</b></span></span>
<span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">Provides additional death benefit if </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">Insured dies or becomes </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">dismembered due to accidental </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">causes prior to Attained Age 65.</span>
true
<span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">In event of accidental death of Insured, benefit </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">equals lesser of (1) Selected Face Amount on date </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">of Insured’s death and (2) $500,000.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">Must provide proof that Insured’s death occurred </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">1) as direct result of bodily injury; 2) within 180 </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">days after injury; and 3) while policy and rider </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">were in effect.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">No benefit paid if death results directly or </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">indirectly from 1) suicide; 2) war; 3) military </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">service; 4) aviation travel as pilot, crew member, </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">or giving or receiving training; 5) natural causes; </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">6) drugs; or 7) injury received in commission of </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">felony.</span>
<span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;"><b>Waiver of Monthly </b></span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;"><b>Charges Rider</b></span></span>
<span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">Waives Account Value charges of </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">your policy while Insured becomes </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">totally disabled (as defined in the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">rider).</span>
true
<span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">Evidence of insurability required to add rider.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">Rider benefit ends day before Insured’s Attained </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">Age 65.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">No benefit paid if disability results directly or </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">indirectly from (1) self-inflicted injury or (2) </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">military service.</span>
<span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;"><b>Automated Account Value </b></span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;"><b>Transfer</b></span></span>
<span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">Automatically transfers of Account </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">Value in a Separate Account Division </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">to any combination of Separate </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">Account Divisions and GPA monthly.</span>
true
<span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">Limits allocation of Account Value to up to 25 </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">Divisions and GPA at any one time.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">Automated Account Value Transfers are not </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">available from more than one Division or from </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">GPA at any time.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">We may at any time modify, suspend or terminate </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">Automated Account Value Transfer Program </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">without prior notification.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">You may not participate in the Automated </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">Account Re-balancing Program at same time.</span>
<span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;"><b>Automated Account </b></span></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;"><b>Re-balancing</b></span></span>
<span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">Automatically re-balances Account </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">Value to maintain original percent </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">allocation of any combination of </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">Separate Account Divisions and </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">GPA.</span>
true
<span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">Limits allocation of Account Value to up to 25 </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">Divisions and GPA at any one time.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">Minimum amount for transfer is $5.00.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">We may at any time modify, suspend or terminate </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">Automated Account Re-balancing Program </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">without prior notification.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">You may not participate in Account Value </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">Transfer Program at same time.</span>
<div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:16.836pt;;"><b>Accelerated Benefits Rider</b></span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">This rider advances a portion of the policy’s death benefit to the Policy Owner when we receive proof, satisfactory to us, that the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Insured is terminally ill and is not expected to live more than 12 months prior to activation of the rider. In return for the advanced </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">payment, we establish a lien against the policy, equal to the amount of the accelerated benefit. We do not charge interest against the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">lien.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Benefits under the rider may be taxable. The Policy Owner should seek tax advice prior to requesting an accelerated death benefit </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">payment.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">For the purposes of this rider, terminal illness is a medical condition that:</span></div><div>
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<td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:10pt;">
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<td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:2pt;align:left;vertical-align:top;text-align:left;">
<div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">is first diagnosed by a Legally Qualified Physician; and</span>
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</table></div><div>
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<td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:10pt;">
<div style="font-size:16pt;font-family:Arial, Helvetica, sans-serif;">•</div>
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<td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:2pt;align:left;vertical-align:top;text-align:left;">
<div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">with reasonable medical certainty, will result in the death of the Insured within 12 months from the date the Legally </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Qualified Physician certifies the diagnosis; and</span>
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</table></div><div>
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<td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:10pt;">
<div style="font-size:16pt;font-family:Arial, Helvetica, sans-serif;">•</div>
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<td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:2pt;align:left;vertical-align:top;text-align:left;">
<div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">is not curable by any means available to the medical profession.</span>
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</table></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">We must receive the following items before an accelerated benefit can be paid:</span></div><div>
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<td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:10pt;">
<div style="font-size:16pt;font-family:Arial, Helvetica, sans-serif;">•</div>
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<td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:2pt;align:left;vertical-align:top;text-align:left;">
<div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Policy Owner’s Written Request for payment of an accelerated death benefit under the policy;</span>
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</table></div><div>
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<td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:10pt;">
<div style="font-size:16pt;font-family:Arial, Helvetica, sans-serif;">•</div>
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<td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:2pt;align:left;vertical-align:top;text-align:left;">
<div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Insured’s written authorization to release medical records to us;</span>
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</table></div><div>
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<td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:10pt;">
<div style="font-size:16pt;font-family:Arial, Helvetica, sans-serif;">•</div>
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<td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:2pt;align:left;vertical-align:top;text-align:left;">
<div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">written consent to this request of any assignee and any irrevocable Beneficiary under the policy; and</span>
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</table></div><div>
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<td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:10pt;">
<div style="font-size:16pt;font-family:Arial, Helvetica, sans-serif;">•</div>
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<td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:2pt;align:left;vertical-align:top;text-align:left;">
<div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">written certification from a Legally Qualified Physician that the Insured has a terminal illness, as defined above.</span>
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</table></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The amount of the death benefit under the policy that can be considered for acceleration is determined as of the acceleration date. The </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">acceleration date is the first date on which all the requirements for acceleration, except any confirming examination that we may </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">require, have been met.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The amount eligible for acceleration under the rider (Eligible Amount) is equal to the excess of:</span></div><div>
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<div style="font-size:16pt;font-family:Arial, Helvetica, sans-serif;">•</div>
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<td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:2pt;align:left;vertical-align:top;text-align:left;">
<div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">the death benefit payable upon the death of the Insured under the policy, over</span>
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<td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:10pt;">
<div style="font-size:16pt;font-family:Arial, Helvetica, sans-serif;">•</div>
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<td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:2pt;align:left;vertical-align:top;text-align:left;">
<div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">the policy’s Account Value.</span>
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</table></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The Eligible Amount does not include:</span></div><div>
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<div style="font-size:16pt;font-family:Arial, Helvetica, sans-serif;">•</div>
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<td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:2pt;align:left;vertical-align:top;text-align:left;">
<div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The amount payable upon the death of the Insured under any life insurance rider that does not provide level or increasing </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">coverage for at least two years after the Acceleration Date;</span>
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</table></div><div>
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<td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:10pt;">
<div style="font-size:16pt;font-family:Arial, Helvetica, sans-serif;">•</div>
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<td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:2pt;align:left;vertical-align:top;text-align:left;">
<div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The amount of any insurance provided under the policy, or any rider attached thereto, on the life of someone other than the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Insured; and</span>
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</table></div><div>
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<td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:10pt;">
<div style="font-size:16pt;font-family:Arial, Helvetica, sans-serif;">•</div>
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<td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:2pt;align:left;vertical-align:top;text-align:left;">
<div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The amount of benefit under any accidental death benefit rider.</span>
</div>
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</table></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The Policy Owner may accelerate any portion of the Eligible Amount subject to the following limitations:</span></div><div>
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<td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:10pt;">
<div style="font-size:16pt;font-family:Arial, Helvetica, sans-serif;">•</div>
</td>
<td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:2pt;align:left;vertical-align:top;text-align:left;">
<div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">We reserve the right to require that the minimum amount that may be accelerated is $25,000; and</span>
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</table></div><div>
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<td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:10pt;">
<div style="font-size:16pt;font-family:Arial, Helvetica, sans-serif;">•</div>
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<td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:2pt;align:left;vertical-align:top;text-align:left;">
<div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">the maximum amount that may be accelerated is equal to the lesser of 75% of the Eligible Amount or $250,000 minus the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">total amount accelerated under all other policies issued by us or any of our affiliates on the life of the Insured.</span>
</div>
</td>
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</table></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">After the accelerated benefit payment is made, this policy will remain In Force and premiums and charges will continue in accordance </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">with the policy provisions.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Payment of the terminal illness benefit will be made to the Policy Owner in a single sum, unless the payment has been assigned or </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">designated by the Policy Owner. However, we will not make the payment if we first receive due proof of the Insured’s death; in this </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">case, we will instead pay the death benefit as if no request has been received under the rider.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The rider terminates upon any of the following events:</span></div><div>
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<div style="font-size:16pt;font-family:Arial, Helvetica, sans-serif;">•</div>
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<td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:2pt;align:left;vertical-align:top;text-align:left;">
<div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">on the date the accelerated benefit payment is made;</span>
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<div style="font-size:16pt;font-family:Arial, Helvetica, sans-serif;">•</div>
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<td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:2pt;align:left;vertical-align:top;text-align:left;">
<div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">on the date the policy terminates;</span>
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<td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:10pt;">
<div style="font-size:16pt;font-family:Arial, Helvetica, sans-serif;">•</div>
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<td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:2pt;align:left;vertical-align:top;text-align:left;">
<div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">the policy is changed to a different policy on which this rider is not available; or</span>
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</table></div><div>
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<td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:10pt;">
<div style="font-size:16pt;font-family:Arial, Helvetica, sans-serif;">•</div>
</td>
<td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:2pt;align:left;vertical-align:top;text-align:left;">
<div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">two years before the Paid-up Policy Date.</span>
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</table></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Where the rider is available, it is included automatically with the policy. There is no monthly charge for this rider. If a claim is made </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">under this rider, then we will assess a charge of no more than $250.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Please see “Appendix D – State Variations of Certain Policy Features” for state variations regarding this rider.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">An example of the Accelerated Benefits Rider is set forth in Appendix C.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:16.836pt;;"><b>Accidental Death and Dismemberment Rider</b></span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">This rider provides a benefit if the Insured dies or becomes dismembered due to accidental causes prior to Attained Age 65.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">To pay any benefit under this rider, we require that due proof of the accidental death be given to us at our Administrative Office. This </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">proof must show that the Insured’s death occurred:</span></div><div>
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<td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:10pt;">
<div style="font-size:16pt;font-family:Arial, Helvetica, sans-serif;">•</div>
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<td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:2pt;align:left;vertical-align:top;text-align:left;">
<div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">As a direct result of accidental bodily injury independently of all other causes; and</span>
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</table></div><div>
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<td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:10pt;">
<div style="font-size:16pt;font-family:Arial, Helvetica, sans-serif;">•</div>
</td>
<td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:2pt;align:left;vertical-align:top;text-align:left;">
<div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Within 180 days after the injury was received; and</span>
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</tr>
</table></div><div>
<table cellspacing="0" style="padding-top:3pt;padding-right:2%;padding-left:2%;" width="100%">
<tr>
<td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:10pt;">
<div style="font-size:16pt;font-family:Arial, Helvetica, sans-serif;">•</div>
</td>
<td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:2pt;align:left;vertical-align:top;text-align:left;">
<div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">While this policy and this rider were In Force.</span>
</div>
</td>
</tr>
</table></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">For purposes of this rider, proof satisfactory to us means:</span></div><div>
<table cellspacing="0" style="padding-top:3pt;padding-right:2%;padding-left:2%;" width="100%">
<tr>
<td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:10pt;">
<div style="font-size:16pt;font-family:Arial, Helvetica, sans-serif;">•</div>
</td>
<td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:2pt;align:left;vertical-align:top;text-align:left;">
<div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">death by drowning or internal injuries must be confirmed by autopsy,</span>
</div>
</td>
</tr>
</table></div><div>
<table cellspacing="0" style="padding-top:3pt;padding-right:2%;padding-left:2%;" width="100%">
<tr>
<td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:10pt;">
<div style="font-size:16pt;font-family:Arial, Helvetica, sans-serif;">•</div>
</td>
<td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:2pt;align:left;vertical-align:top;text-align:left;">
<div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">for all other injuries, the cause of death must be shown by a visible wound on the exterior of the body.</span>
</div>
</td>
</tr>
</table></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The amount of the benefit for this rider is lesser of:</span></div><div>
<table cellspacing="0" style="padding-top:3pt;padding-right:2%;padding-left:2%;" width="100%">
<tr>
<td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:10pt;">
<div style="font-size:16pt;font-family:Arial, Helvetica, sans-serif;">•</div>
</td>
<td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:2pt;align:left;vertical-align:top;text-align:left;">
<div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">the current Selected Face Amount for this policy at the time the death or loss occurs; or</span>
</div>
</td>
</tr>
</table></div><div>
<table cellspacing="0" style="padding-top:3pt;padding-right:2%;padding-left:2%;" width="100%">
<tr>
<td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:10pt;">
<div style="font-size:16pt;font-family:Arial, Helvetica, sans-serif;">•</div>
</td>
<td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:2pt;align:left;vertical-align:top;text-align:left;">
<div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">$500,000.</span>
</div>
</td>
</tr>
</table></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The amount of the benefit for this rider will increase or decrease directly with any increases or decreases in the Selected Face Amount </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">for this policy but in no event will the amount of the benefit for this rider be greater than $500,000.</span></div><div></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The benefit to be paid is that full amount or one-half of the amount of benefit for this rider, as shown in the following table.</span></div><div>
<table cellspacing="0" style="width:100%;cellspacing:0;padding-bottom:5pt;padding-top:5pt;margin-left:0pt;">
<tr style="height:1px;">
<td style="height:1px;background-color:#A5A5A5;;width:50%"></td>
<td style="height:1px;background-color:#A5A5A5;;width:50%"></td>
</tr>
<tr>
<td colspan="1" style="background-color:#A5A5A5;;vertical-align:bottom">
<div style="background-color:#A5A5A5;padding-left:6pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;"><b>Loss of</b></span></span>
</div>
</td>
<td colspan="1" style="background-color:#A5A5A5;;vertical-align:bottom">
<div style="background-color:#A5A5A5;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;"><b>Percent of Rider Face Amount Payable</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;"><b> </b></span>
</div>
</td>
</tr>
<tr>
<td colspan="1" style="vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:6pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">Life</span></span>
</div>
</td>
<td colspan="1" style="vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">100%</span>
</div>
</td>
</tr>
<tr>
<td colspan="1" style="background-color:#E5E5E5;;vertical-align:top">
<div style="background-color:#E5E5E5;padding-left:6pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">Both Legs or Feet</span></span>
</div>
</td>
<td colspan="1" style="background-color:#E5E5E5;;vertical-align:top">
<div style="background-color:#E5E5E5;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">100%</span>
</div>
</td>
</tr>
<tr>
<td colspan="1" style="vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:6pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">Both Arms or Hands</span></span>
</div>
</td>
<td colspan="1" style="vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">100%</span>
</div>
</td>
</tr>
<tr>
<td colspan="1" style="background-color:#E5E5E5;;vertical-align:top">
<div style="background-color:#E5E5E5;padding-left:6pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">Sight of Both Eyes</span></span>
</div>
</td>
<td colspan="1" style="background-color:#E5E5E5;;vertical-align:top">
<div style="background-color:#E5E5E5;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">100%</span>
</div>
</td>
</tr>
<tr>
<td colspan="1" style="vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:6pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">One Leg/Foot and Sight of One Eye</span></span>
</div>
</td>
<td colspan="1" style="vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">100%</span>
</div>
</td>
</tr>
<tr>
<td colspan="1" style="background-color:#E5E5E5;;vertical-align:top">
<div style="background-color:#E5E5E5;padding-left:6pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">One Arm/Hand and Sight of One Eye</span></span>
</div>
</td>
<td colspan="1" style="background-color:#E5E5E5;;vertical-align:top">
<div style="background-color:#E5E5E5;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">100%</span>
</div>
</td>
</tr>
<tr>
<td colspan="1" style="vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:6pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">One Leg/Foot or One Arm/Hand</span></span>
</div>
</td>
<td colspan="1" style="vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">50%</span>
</div>
</td>
</tr>
<tr>
<td colspan="1" style="background-color:#E5E5E5;;vertical-align:top">
<div style="background-color:#E5E5E5;padding-left:6pt;padding-top:1pt;padding-bottom:0;align:left;text-align:left;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">Sight of One Eye</span></span>
</div>
</td>
<td colspan="1" style="background-color:#E5E5E5;;vertical-align:top">
<div style="background-color:#E5E5E5;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">50%</span>
</div>
</td>
</tr>
</table></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Please note:</span></div><div>
<table cellspacing="0" style="padding-top:3pt;padding-right:2%;padding-left:2%;" width="100%">
<tr>
<td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:10pt;">
<div style="font-size:16pt;font-family:Arial, Helvetica, sans-serif;">•</div>
</td>
<td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:2pt;align:left;vertical-align:top;text-align:left;">
<div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Reference to loss of a hand means severance at or above the wrist.</span>
</div>
</td>
</tr>
</table></div><div>
<table cellspacing="0" style="padding-top:3pt;padding-right:2%;padding-left:2%;" width="100%">
<tr>
<td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:10pt;">
<div style="font-size:16pt;font-family:Arial, Helvetica, sans-serif;">•</div>
</td>
<td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:2pt;align:left;vertical-align:top;text-align:left;">
<div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Reference to loss of a foot means severance at or above the ankle.</span>
</div>
</td>
</tr>
</table></div><div>
<table cellspacing="0" style="padding-top:3pt;padding-right:2%;padding-left:2%;" width="100%">
<tr>
<td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:10pt;">
<div style="font-size:16pt;font-family:Arial, Helvetica, sans-serif;">•</div>
</td>
<td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:2pt;align:left;vertical-align:top;text-align:left;">
<div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Reference to loss of sight means total loss of sight which cannot be recovered.</span>
</div>
</td>
</tr>
</table></div><div>
<table cellspacing="0" style="padding-top:3pt;padding-right:2%;padding-left:2%;" width="100%">
<tr>
<td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:10pt;">
<div style="font-size:16pt;font-family:Arial, Helvetica, sans-serif;">•</div>
</td>
<td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:2pt;align:left;vertical-align:top;text-align:left;">
<div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">A surgically reattached hand or foot will be deemed a “permanent loss” if, 12 months after reattachment, the limb has </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">regained less than 50% of its normal function.</span>
</div>
</td>
</tr>
</table></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">There are some exclusions to the coverage provided by this rider. No accidental death or loss will be payable if the Insured’s death or </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">loss results directly or indirectly from any of these causes.</span></div><div>
<table cellspacing="0" style="padding-top:3pt;padding-right:2%;padding-left:2%;" width="100%">
<tr>
<td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:10pt;">
<div style="font-size:16pt;font-family:Arial, Helvetica, sans-serif;">•</div>
</td>
<td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:2pt;align:left;vertical-align:top;text-align:left;">
<div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Suicide – Suicide, while the Insured is sane or insane.</span>
</div>
</td>
</tr>
</table></div><div>
<table cellspacing="0" style="padding-top:3pt;padding-right:2%;padding-left:2%;" width="100%">
<tr>
<td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:10pt;">
<div style="font-size:16pt;font-family:Arial, Helvetica, sans-serif;">•</div>
</td>
<td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:2pt;align:left;vertical-align:top;text-align:left;">
<div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">War – War, declared or undeclared, or any act of war.</span>
</div>
</td>
</tr>
</table></div><div>
<table cellspacing="0" style="padding-top:3pt;padding-right:2%;padding-left:2%;" width="100%">
<tr>
<td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:10pt;">
<div style="font-size:16pt;font-family:Arial, Helvetica, sans-serif;">•</div>
</td>
<td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:2pt;align:left;vertical-align:top;text-align:left;">
<div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Military Service – Service in the military forces of any country at war or in any civilian noncombatant unit serving with </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">those forces. “War” includes undeclared war and any act of war. “Country” includes any international organization or group </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">of countries.</span>
</div>
</td>
</tr>
</table></div><div>
<table cellspacing="0" style="padding-top:3pt;padding-right:2%;padding-left:2%;" width="100%">
<tr>
<td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:10pt;">
<div style="font-size:16pt;font-family:Arial, Helvetica, sans-serif;">•</div>
</td>
<td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:2pt;align:left;vertical-align:top;text-align:left;">
<div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Aviation – Travel in, or descent from or with, any kind of aircraft aboard which the Insured is a pilot or crew member or is </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">giving or receiving any training. “Crew member” includes anyone who has any duty aboard the aircraft.</span>
</div>
</td>
</tr>
</table></div><div>
<table cellspacing="0" style="padding-top:3pt;padding-right:2%;padding-left:2%;" width="100%">
<tr>
<td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:10pt;">
<div style="font-size:16pt;font-family:Arial, Helvetica, sans-serif;">•</div>
</td>
<td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:2pt;align:left;vertical-align:top;text-align:left;">
<div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Natural Causes – Bodily or mental illness, disease, or infirmity of any kind, or medical or surgical treatment for any of these.</span>
</div>
</td>
</tr>
</table></div><div>
<table cellspacing="0" style="padding-top:3pt;padding-right:2%;padding-left:2%;" width="100%">
<tr>
<td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:10pt;">
<div style="font-size:16pt;font-family:Arial, Helvetica, sans-serif;">•</div>
</td>
<td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:2pt;align:left;vertical-align:top;text-align:left;">
<div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Drug – The taking or injection of any drug, hypnotic, or narcotic, accidentally or otherwise.</span>
</div>
</td>
</tr>
</table></div><div>
<table cellspacing="0" style="padding-top:3pt;padding-right:2%;padding-left:2%;" width="100%">
<tr>
<td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:10pt;">
<div style="font-size:16pt;font-family:Arial, Helvetica, sans-serif;">•</div>
</td>
<td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:2pt;align:left;vertical-align:top;text-align:left;">
<div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Felony – Injury received while committing a felony.</span>
</div>
</td>
</tr>
</table></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">This rider ends automatically:</span></div><div>
<table cellspacing="0" style="padding-top:3pt;padding-right:2%;padding-left:2%;" width="100%">
<tr>
<td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:10pt;">
<div style="font-size:16pt;font-family:Arial, Helvetica, sans-serif;">•</div>
</td>
<td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:2pt;align:left;vertical-align:top;text-align:left;">
<div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">On the Policy Anniversary Date after the Insured’s 65</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;"><sup>th</sup></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> birthday; or</span>
</div>
</td>
</tr>
</table></div><div>
<table cellspacing="0" style="padding-top:3pt;padding-right:2%;padding-left:2%;" width="100%">
<tr>
<td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:10pt;">
<div style="font-size:16pt;font-family:Arial, Helvetica, sans-serif;">•</div>
</td>
<td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:2pt;align:left;vertical-align:top;text-align:left;">
<div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Upon the termination of this policy for any reason.</span>
</div>
</td>
</tr>
</table></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">This rider may be cancelled by the Policy Owner’s Written Request. Cancellation will take effect on the Monthly Calculation Date that </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">is on, or next follows, the date we receive the Written Request at our Administrative Office.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Your employer determines whether this rider becomes available under your policy. There is an additional charge for this rider that </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">varies based on the individual characteristics of the Insured. You can only elect this rider in the policy’s application.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Please see “Appendix D – State Variations of Certain Policy Features” for state variations regarding this rider.</span></div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:16.836pt;;"><b>Waiver of Monthly Charges Rider</b></span><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Under this rider we will waive the Account Value charges of your policy if:</span></div><div>
<table cellspacing="0" style="padding-top:3pt;padding-right:2%;padding-left:2%;" width="100%">
<tr>
<td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:10pt;">
<div style="font-size:16pt;font-family:Arial, Helvetica, sans-serif;">•</div>
</td>
<td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:2pt;align:left;vertical-align:top;text-align:left;">
<div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">the Insured becomes totally disabled (as defined in the rider) before the Policy Anniversary after the Insured’s 65</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;"><sup>th</sup></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> birthday; </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">and</span>
</div>
</td>
</tr>
</table></div><div>
<table cellspacing="0" style="padding-top:3pt;padding-right:2%;padding-left:2%;" width="100%">
<tr>
<td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:10pt;">
<div style="font-size:16pt;font-family:Arial, Helvetica, sans-serif;">•</div>
</td>
<td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:2pt;align:left;vertical-align:top;text-align:left;">
<div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">such total disability continues for six consecutive months.</span>
</div>
</td>
</tr>
</table></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">We will not return any premiums paid; however, we will adjust the Account Value according to the terms of the rider.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Total Disability is defined as an incapacity of the Insured that:</span></div><div>
<table cellspacing="0" style="padding-top:3pt;padding-right:2%;padding-left:2%;" width="100%">
<tr>
<td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:10pt;">
<div style="font-size:16pt;font-family:Arial, Helvetica, sans-serif;">•</div>
</td>
<td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:2pt;align:left;vertical-align:top;text-align:left;">
<div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">is caused by sickness or injury; and</span>
</div>
</td>
</tr>
</table></div><div>
<table cellspacing="0" style="padding-top:3pt;padding-right:2%;padding-left:2%;" width="100%">
<tr>
<td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:10pt;">
<div style="font-size:16pt;font-family:Arial, Helvetica, sans-serif;">•</div>
</td>
<td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:2pt;align:left;vertical-align:top;text-align:left;">
<div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">requires the Insured to be under a doctor’s care; and</span>
</div>
</td>
</tr>
</table></div><div>
<table cellspacing="0" style="padding-top:3pt;padding-right:2%;padding-left:2%;" width="100%">
<tr>
<td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:10pt;">
<div style="font-size:16pt;font-family:Arial, Helvetica, sans-serif;">•</div>
</td>
<td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:2pt;align:left;vertical-align:top;text-align:left;">
<div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">begins while this rider is In Force; and</span>
</div>
</td>
</tr>
</table></div><div>
<table cellspacing="0" style="padding-top:3pt;padding-right:2%;padding-left:2%;" width="100%">
<tr>
<td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:10pt;">
<div style="font-size:16pt;font-family:Arial, Helvetica, sans-serif;">•</div>
</td>
<td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:2pt;align:left;vertical-align:top;text-align:left;">
<div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">for the first 24 months of any period of Total Disability, prevents the Insured from performing the substantial and material </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">duties of the Insured’s occupation; and</span>
</div>
</td>
</tr>
</table></div><div>
<table cellspacing="0" style="padding-top:3pt;padding-right:2%;padding-left:2%;" width="100%">
<tr>
<td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:10pt;">
<div style="font-size:16pt;font-family:Arial, Helvetica, sans-serif;">•</div>
</td>
<td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:2pt;align:left;vertical-align:top;text-align:left;">
<div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">after Total Disability has continued for 24 months, prevents the Insured from engaging in any occupation the Insured is or </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">may become qualified to perform.</span>
</div>
</td>
</tr>
</table></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">No benefit will be payable if the Insured’s disability results directly or indirectly from any of these causes:</span></div><div>
<table cellspacing="0" style="padding-top:3pt;padding-right:2%;padding-left:2%;" width="100%">
<tr>
<td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:10pt;">
<div style="font-size:16pt;font-family:Arial, Helvetica, sans-serif;">•</div>
</td>
<td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:2pt;align:left;vertical-align:top;text-align:left;">
<div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Self-Inflicted Injury – Any willfully and intentionally self-inflicted injury; or</span>
</div>
</td>
</tr>
</table></div><div>
<table cellspacing="0" style="padding-top:3pt;padding-right:2%;padding-left:2%;" width="100%">
<tr>
<td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:10pt;">
<div style="font-size:16pt;font-family:Arial, Helvetica, sans-serif;">•</div>
</td>
<td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:2pt;align:left;vertical-align:top;text-align:left;">
<div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Military Service – Service in the military forces of any country at war or in any civilian noncombatant unit serving with </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">those forces. “War” includes undeclared war and any act of war. “Country” includes any international organization or group </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">of countries.</span>
</div>
</td>
</tr>
</table></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Benefits payable under this rider end when any of the following occurs:</span></div><div>
<table cellspacing="0" style="padding-top:3pt;padding-right:2%;padding-left:2%;" width="100%">
<tr>
<td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:10pt;">
<div style="font-size:16pt;font-family:Arial, Helvetica, sans-serif;">•</div>
</td>
<td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:2pt;align:left;vertical-align:top;text-align:left;">
<div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">the Insured is no longer totally disabled; or</span>
</div>
</td>
</tr>
</table></div><div>
<table cellspacing="0" style="padding-top:3pt;padding-right:2%;padding-left:2%;" width="100%">
<tr>
<td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:10pt;">
<div style="font-size:16pt;font-family:Arial, Helvetica, sans-serif;">•</div>
</td>
<td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:2pt;align:left;vertical-align:top;text-align:left;">
<div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">you do not give us the required satisfactory proof of continued total disability; or</span>
</div>
</td>
</tr>
</table></div><div>
<table cellspacing="0" style="padding-top:3pt;padding-right:2%;padding-left:2%;" width="100%">
<tr>
<td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:10pt;">
<div style="font-size:16pt;font-family:Arial, Helvetica, sans-serif;">•</div>
</td>
<td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:2pt;align:left;vertical-align:top;text-align:left;">
<div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">the Insured fails or refuses to have a required examination; or</span>
</div>
</td>
</tr>
</table></div><div>
<table cellspacing="0" style="padding-top:3pt;padding-right:2%;padding-left:2%;" width="100%">
<tr>
<td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:10pt;">
<div style="font-size:16pt;font-family:Arial, Helvetica, sans-serif;">•</div>
</td>
<td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:2pt;align:left;vertical-align:top;text-align:left;">
<div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">the Policy Anniversary date after the Insured’s 65</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;"><sup>th</sup></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> birthday, or, if later, the date two years from the date the total disability </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">began.</span>
</div>
</td>
</tr>
</table></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Proof of claim must be received at our Administrative Office while the Insured is living and during the continuance of total disability. </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Also, it must be received within one year after the earlier of:</span></div><div>
<table cellspacing="0" style="padding-top:3pt;padding-right:2%;padding-left:2%;" width="100%">
<tr>
<td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:10pt;">
<div style="font-size:16pt;font-family:Arial, Helvetica, sans-serif;">•</div>
</td>
<td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:2pt;align:left;vertical-align:top;text-align:left;">
<div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">the Policy Anniversary date that is on or next follows the Insured’s 65</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;"><sup>th</sup></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> birthday; and</span>
</div>
</td>
</tr>
</table></div><div>
<table cellspacing="0" style="padding-top:3pt;padding-right:2%;padding-left:2%;" width="100%">
<tr>
<td style="color:#000000;padding-top:0pt;width:2%;padding-bottom:0pt;padding-left:0pt;text-align:left;vertical-align:top;size:3;line-height:10pt;">
<div style="font-size:16pt;font-family:Arial, Helvetica, sans-serif;">•</div>
</td>
<td style="vertical-align:top;padding-bottom:0pt;padding-top:0pt;width:98%;padding-left:2pt;align:left;vertical-align:top;text-align:left;">
<div style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">termination of the policy.</span>
</div>
</td>
</tr>
</table></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">However, if it was not reasonably possible to give us notice and/or proof of claim on time, the delay will not reduce the benefit if </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">notice and/or proof are given as soon as reasonably possible.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Until we approve your claim, you are required to pay all premiums necessary to avoid a lapse of this policy. If total disability begins </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">during this policy’s Grace Period, any required premiums must be received before we will approve the claims made under this rider.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">There is an additional charge for this rider that varies based on the individual characteristics of the Insured. Please see the “Rider </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Charges” table under the “Fee Tables” section for information about the Waiver of Monthly Charges Rider charge.</span></div><div><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">This rider may only be elected in the policy’s application and may be cancelled by the Policy Owner’s Written Request. Cancellation </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">will take effect on the Monthly Calculation Date that is on, or next follows, the date we receive the Written Request at our </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Administrative Office.</span></div>
<span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:16.836pt;;"><b>Accelerated Benefits Rider</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">This rider advances a portion of the policy’s death benefit to the Policy Owner when we receive proof, satisfactory to us, that the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Insured is terminally ill and is not expected to live more than 12 months prior to activation of the rider. In return for the advanced </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">payment, we establish a lien against the policy, equal to the amount of the accelerated benefit. We do not charge interest against the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">lien.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Benefits under the rider may be taxable. The Policy Owner should seek tax advice prior to requesting an accelerated death benefit </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">payment.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">For the purposes of this rider, terminal illness is a medical condition that:</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">is first diagnosed by a Legally Qualified Physician; and</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">with reasonable medical certainty, will result in the death of the Insured within 12 months from the date the Legally </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Qualified Physician certifies the diagnosis; and</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">is not curable by any means available to the medical profession.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">We must receive the following items before an accelerated benefit can be paid:</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Policy Owner’s Written Request for payment of an accelerated death benefit under the policy;</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Insured’s written authorization to release medical records to us;</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">written consent to this request of any assignee and any irrevocable Beneficiary under the policy; and</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">written certification from a Legally Qualified Physician that the Insured has a terminal illness, as defined above.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The amount of the death benefit under the policy that can be considered for acceleration is determined as of the acceleration date. The </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">acceleration date is the first date on which all the requirements for acceleration, except any confirming examination that we may </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">require, have been met.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The amount eligible for acceleration under the rider (Eligible Amount) is equal to the excess of:</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">the death benefit payable upon the death of the Insured under the policy, over</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">the policy’s Account Value.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The Eligible Amount does not include:</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The amount payable upon the death of the Insured under any life insurance rider that does not provide level or increasing </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">coverage for at least two years after the Acceleration Date;</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The amount of any insurance provided under the policy, or any rider attached thereto, on the life of someone other than the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Insured; and</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The amount of benefit under any accidental death benefit rider.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The Policy Owner may accelerate any portion of the Eligible Amount subject to the following limitations:</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">We reserve the right to require that the minimum amount that may be accelerated is $25,000; and</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">the maximum amount that may be accelerated is equal to the lesser of 75% of the Eligible Amount or $250,000 minus the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">total amount accelerated under all other policies issued by us or any of our affiliates on the life of the Insured.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">After the accelerated benefit payment is made, this policy will remain In Force and premiums and charges will continue in accordance </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">with the policy provisions.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Payment of the terminal illness benefit will be made to the Policy Owner in a single sum, unless the payment has been assigned or </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">designated by the Policy Owner. However, we will not make the payment if we first receive due proof of the Insured’s death; in this </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">case, we will instead pay the death benefit as if no request has been received under the rider.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The rider terminates upon any of the following events:</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">on the date the accelerated benefit payment is made;</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">on the date the policy terminates;</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">the policy is changed to a different policy on which this rider is not available; or</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">two years before the Paid-up Policy Date.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Where the rider is available, it is included automatically with the policy. There is no monthly charge for this rider. If a claim is made </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">under this rider, then we will assess a charge of no more than $250.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Please see “Appendix D – State Variations of Certain Policy Features” for state variations regarding this rider.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">An example of the Accelerated Benefits Rider is set forth in Appendix C.</span>
<span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:16.836pt;;"><b>Accidental Death and Dismemberment Rider</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">This rider provides a benefit if the Insured dies or becomes dismembered due to accidental causes prior to Attained Age 65.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">To pay any benefit under this rider, we require that due proof of the accidental death be given to us at our Administrative Office. This </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">proof must show that the Insured’s death occurred:</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">As a direct result of accidental bodily injury independently of all other causes; and</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Within 180 days after the injury was received; and</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">While this policy and this rider were In Force.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">For purposes of this rider, proof satisfactory to us means:</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">death by drowning or internal injuries must be confirmed by autopsy,</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">for all other injuries, the cause of death must be shown by a visible wound on the exterior of the body.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The amount of the benefit for this rider is lesser of:</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">the current Selected Face Amount for this policy at the time the death or loss occurs; or</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">$500,000.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The amount of the benefit for this rider will increase or decrease directly with any increases or decreases in the Selected Face Amount </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">for this policy but in no event will the amount of the benefit for this rider be greater than $500,000.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The benefit to be paid is that full amount or one-half of the amount of benefit for this rider, as shown in the following table.</span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;"><b>Loss of</b></span></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;"><b>Percent of Rider Face Amount Payable</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.02pt;;"><b> </b></span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">Life</span></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">100%</span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">Both Legs or Feet</span></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">100%</span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">Both Arms or Hands</span></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">100%</span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">Sight of Both Eyes</span></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">100%</span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">One Leg/Foot and Sight of One Eye</span></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">100%</span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">One Arm/Hand and Sight of One Eye</span></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">100%</span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">One Leg/Foot or One Arm/Hand</span></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">50%</span><span style="padding-left:0pt;"><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">Sight of One Eye</span></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:8.52pt;;">50%</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Please note:</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Reference to loss of a hand means severance at or above the wrist.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Reference to loss of a foot means severance at or above the ankle.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Reference to loss of sight means total loss of sight which cannot be recovered.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">A surgically reattached hand or foot will be deemed a “permanent loss” if, 12 months after reattachment, the limb has </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">regained less than 50% of its normal function.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">There are some exclusions to the coverage provided by this rider. No accidental death or loss will be payable if the Insured’s death or </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">loss results directly or indirectly from any of these causes.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Suicide – Suicide, while the Insured is sane or insane.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">War – War, declared or undeclared, or any act of war.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Military Service – Service in the military forces of any country at war or in any civilian noncombatant unit serving with </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">those forces. “War” includes undeclared war and any act of war. “Country” includes any international organization or group </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">of countries.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Aviation – Travel in, or descent from or with, any kind of aircraft aboard which the Insured is a pilot or crew member or is </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">giving or receiving any training. “Crew member” includes anyone who has any duty aboard the aircraft.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Natural Causes – Bodily or mental illness, disease, or infirmity of any kind, or medical or surgical treatment for any of these.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Drug – The taking or injection of any drug, hypnotic, or narcotic, accidentally or otherwise.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Felony – Injury received while committing a felony.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">This rider ends automatically:</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">On the Policy Anniversary Date after the Insured’s 65</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;"><sup>th</sup></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> birthday; or</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Upon the termination of this policy for any reason.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">This rider may be cancelled by the Policy Owner’s Written Request. Cancellation will take effect on the Monthly Calculation Date that </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">is on, or next follows, the date we receive the Written Request at our Administrative Office.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Your employer determines whether this rider becomes available under your policy. There is an additional charge for this rider that </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">varies based on the individual characteristics of the Insured. You can only elect this rider in the policy’s application.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Please see “Appendix D – State Variations of Certain Policy Features” for state variations regarding this rider.</span>
<span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:16.836pt;;"><b>Waiver of Monthly Charges Rider</b></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Under this rider we will waive the Account Value charges of your policy if:</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">the Insured becomes totally disabled (as defined in the rider) before the Policy Anniversary after the Insured’s 65</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;"><sup>th</sup></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> birthday; </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">and</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">such total disability continues for six consecutive months.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">We will not return any premiums paid; however, we will adjust the Account Value according to the terms of the rider.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Total Disability is defined as an incapacity of the Insured that:</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">is caused by sickness or injury; and</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">requires the Insured to be under a doctor’s care; and</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">begins while this rider is In Force; and</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">for the first 24 months of any period of Total Disability, prevents the Insured from performing the substantial and material </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">duties of the Insured’s occupation; and</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">after Total Disability has continued for 24 months, prevents the Insured from engaging in any occupation the Insured is or </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">may become qualified to perform.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">No benefit will be payable if the Insured’s disability results directly or indirectly from any of these causes:</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Self-Inflicted Injury – Any willfully and intentionally self-inflicted injury; or</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Military Service – Service in the military forces of any country at war or in any civilian noncombatant unit serving with </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">those forces. “War” includes undeclared war and any act of war. “Country” includes any international organization or group </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">of countries.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Benefits payable under this rider end when any of the following occurs:</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">the Insured is no longer totally disabled; or</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">you do not give us the required satisfactory proof of continued total disability; or</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">the Insured fails or refuses to have a required examination; or</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">the Policy Anniversary date after the Insured’s 65</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;"><sup>th</sup></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> birthday, or, if later, the date two years from the date the total disability </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">began.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Proof of claim must be received at our Administrative Office while the Insured is living and during the continuance of total disability. </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Also, it must be received within one year after the earlier of:</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">the Policy Anniversary date that is on or next follows the Insured’s 65</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:7.5pt;;"><sup>th</sup></span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;"> birthday; and</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">termination of the policy.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">However, if it was not reasonably possible to give us notice and/or proof of claim on time, the delay will not reduce the benefit if </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">notice and/or proof are given as soon as reasonably possible.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Until we approve your claim, you are required to pay all premiums necessary to avoid a lapse of this policy. If total disability begins </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">during this policy’s Grace Period, any required premiums must be received before we will approve the claims made under this rider.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">There is an additional charge for this rider that varies based on the individual characteristics of the Insured. Please see the “Rider </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Charges” table under the “Fee Tables” section for information about the Waiver of Monthly Charges Rider charge.</span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">This rider may only be elected in the policy’s application and may be cancelled by the Policy Owner’s Written Request. Cancellation </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">will take effect on the Monthly Calculation Date that is on, or next follows, the date we receive the Written Request at our </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">Administrative Office.</span>
<span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">The following is a list of Funds currently available under the policy. This list of Funds is subject to change, as discussed in the </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">prospectus for the policy. Before you invest, you should review the prospectuses for the Funds. These prospectuses contain more </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">information about the Funds and their risks and may be amended from time to time. You can find the prospectuses and other </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">information about the Funds online at www.MassMutual.com/SGVUL. You can also request this information at no cost by calling </span><span style="clear:both;font-family:Arial, Helvetica, sans-serif;font-size:10.02pt;;">(800) 548-0073 or sending an email request to LCMClientServices@MassMutual.com.</span>
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border-right:1.5pt solid #000000;border-bottom:1.5pt solid #000000;margin-top:5pt;">
<tr style="height:1px;">
<td style="height:1px;background-color:#A5A5A5;;width:18.05909510618652%"></td>
<td style="height:1px;background-color:#A5A5A5;;width:46.21421975992613%"></td>
<td style="height:1px;background-color:#A5A5A5;;width:10.380424746075716%"></td>
<td style="height:1px;background-color:#A5A5A5;;width:8.184672206832872%"></td>
<td style="height:1px;background-color:#A5A5A5;;width:8.184672206832872%"></td>
<td style="height:1px;background-color:#A5A5A5;;width:8.975069252077562%"></td>
</tr>
<tr>
<td colspan="1" rowspan="2" style="background-color:#A5A5A5;;padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom">
<div style="background-color:#A5A5A5;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.02pt"><b>Fund Type</b></span></span>
</div>
</td>
<td colspan="1" rowspan="2" style="background-color:#A5A5A5;;padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom">
<div style="background-color:#A5A5A5;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.02pt"><b>Fund and Adviser/Sub-Adviser</b></span></div>
</td>
<td colspan="1" rowspan="2" style="background-color:#A5A5A5;;padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom">
<div style="background-color:#A5A5A5;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.02pt"><b>Current </b></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.02pt"><b>Expenses </b></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.02pt"><b>(expenses/ </b></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.02pt"><b>average assets)</b></span></div>
</td>
<td colspan="3" style="background-color:#A5A5A5;;padding-bottom:2pt;border-bottom:1pt solid #000000;vertical-align:bottom">
<div style="background-color:#A5A5A5;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.02pt"><b>Average Annual Total Returns</b></span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.02pt"><b>(as of 12/31/2025)</b></span></div>
</td>
</tr>
<tr>
<td colspan="1" style="background-color:#A5A5A5;;padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom">
<div style="background-color:#A5A5A5;padding-left:2pt;padding-top:2pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.02pt"><b>1 Year</b></span></div>
</td>
<td colspan="1" style="background-color:#A5A5A5;;padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom">
<div style="background-color:#A5A5A5;padding-left:2pt;padding-top:2pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.02pt"><b>5 Year</b></span></div>
</td>
<td colspan="1" style="background-color:#A5A5A5;;padding-bottom:2pt;border-bottom:1pt solid #000000;vertical-align:bottom">
<div style="background-color:#A5A5A5;padding-left:2pt;padding-top:2pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.02pt"><b>10 Year</b></span></div>
</td>
</tr>
<tr>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:2pt;padding-top:3pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Asset Allocation</span></span>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:2pt;padding-top:3pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">MML VIP Aggressive Allocation Fund (Initial Class)</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 6.5pt"><sup>(1)</sup></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 6.5pt"><sup>(2)</sup></span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"><b>Adviser: </b></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">MML Investment Advisers, LLC</span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"><b>Sub-Adviser: </b></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">N/A</span>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">0.98</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">14.17</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">8.36</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">9.53</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
</tr>
<tr>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:2pt;padding-top:3pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Asset Allocation</span></span>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:2pt;padding-top:3pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">MML VIP Balanced Allocation Fund (Initial Class)</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 6.5pt"><sup>(1)</sup></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 6.5pt"><sup>(3)</sup></span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"><b>Adviser: </b></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">MML Investment Advisers, LLC</span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"><b>Sub-Adviser: </b></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">N/A</span>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">0.86</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">11.10</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">4.76</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">6.33</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
</tr>
<tr>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:2pt;padding-top:3pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Asset Allocation</span></span>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:2pt;padding-top:3pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">MML VIP Conservative Allocation Fund (Initial Class)</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 6.5pt"><sup>(1)</sup></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 6.5pt"><sup>(4)</sup></span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"><b>Adviser: </b></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">MML Investment Advisers, LLC</span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"><b>Sub-Adviser: </b></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">N/A</span>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">0.83</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">10.29</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">3.98</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">5.59</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
</tr>
<tr>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:2pt;padding-top:3pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Asset Allocation</span></span>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:2pt;padding-top:3pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">MML VIP Growth Allocation Fund (Initial Class)</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 6.5pt"><sup>(1)</sup></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 6.5pt"><sup>(5)</sup></span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"><b>Adviser: </b></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">MML Investment Advisers, LLC</span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"><b>Sub-Adviser: </b></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">N/A</span>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">0.90</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">12.99</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">7.08</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">8.38</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
</tr>
<tr>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:2pt;padding-top:3pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Asset Allocation</span></span>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:2pt;padding-top:3pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">MML VIP Moderate Allocation Fund (Initial Class)</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 6.5pt"><sup>(1)</sup></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 6.5pt"><sup>(6)</sup></span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"><b>Adviser: </b></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">MML Investment Advisers, LLC</span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"><b>Sub-Adviser: </b></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">N/A</span>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">0.87</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">11.83</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">5.72</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">7.08</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
</tr>
<tr>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:2pt;padding-top:3pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Money Market</span></span>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:2pt;padding-top:3pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Invesco V.I. U.S. Government Money Portfolio (Series I)</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 6.5pt"><sup>(7)</sup></span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"><b>Adviser: </b></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Invesco Advisers, Inc.</span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"><b>Sub-Adviser: </b></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">N/A</span>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">0.67</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">3.65</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">2.80</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">1.76</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
</tr>
<tr>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:2pt;padding-top:3pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Fixed Income</span></span>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:2pt;padding-top:3pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Invesco V.I. Core Plus Bond Fund (Series I)</span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"><b>Adviser: </b></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Invesco Advisers, Inc.</span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"><b>Sub-Adviser: </b></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">N/A</span>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">0.62</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 6.5pt"><sup>(*)</sup></span>
</div>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">7.09</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">-0.11</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">2.99</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
</tr>
<tr>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:2pt;padding-top:3pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Fixed Income</span></span>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:2pt;padding-top:3pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Invesco V.I. Global Strategic Income Fund (Series I)</span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"><b>Adviser: </b></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Invesco Advisers, Inc.</span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"><b>Sub-Adviser: </b></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">N/A</span>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">0.95</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 6.5pt"><sup>(*)</sup></span>
</div>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">12.98</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">1.65</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">3.01</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
</tr>
<tr>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:2pt;padding-top:3pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Fixed Income</span></span>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:2pt;padding-top:3pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">MML VIP Barings Core Bond Fund (Initial Class)</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 6.5pt"><sup>(8)</sup></span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"><b>Adviser: </b></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">MML Investment Advisers, LLC</span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"><b>Sub-Adviser: </b></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Barings LLC</span>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">0.45</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">7.85</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">0.48</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">2.64</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
</tr>
<tr>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:2pt;padding-top:3pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Balanced</span></span>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:2pt;padding-top:3pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Invesco V.I. Equity and Income Fund (Series I)</span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"><b>Adviser: </b></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Invesco Advisers, Inc.</span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"><b>Sub-Adviser: </b></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">N/A</span>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">0.57</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">12.81</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">8.94</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">8.92</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
</tr>
<tr>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:2pt;padding-top:3pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Large Cap Value</span></span>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:2pt;padding-top:3pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">LVIP American Century Value Fund (Standard Class II)</span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"><b>Adviser: </b></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Lincoln Financial Investments Corporation</span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"><b>Sub-Adviser: </b></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">American Century Investment Management, Inc.</span>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">0.71</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 6.5pt"><sup>(*)</sup></span>
</div>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">16.02</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">11.65</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">10.23</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
</tr>
</table></div><div>
<table cellpadding="0" cellspacing="0" style="width:100%;cellspacing:0;border-top:1.5pt solid #000000;border-left:1.5pt solid #000000;
border-right:1.5pt solid #000000;border-bottom:1.5pt solid #000000;margin-top:5pt;">
<tr style="height:1px;">
<td style="height:1px;background-color:#A5A5A5;;width:18.05909510618652%"></td>
<td style="height:1px;background-color:#A5A5A5;;width:46.21421975992613%"></td>
<td style="height:1px;background-color:#A5A5A5;;width:10.380424746075716%"></td>
<td style="height:1px;background-color:#A5A5A5;;width:8.184672206832872%"></td>
<td style="height:1px;background-color:#A5A5A5;;width:8.184672206832872%"></td>
<td style="height:1px;background-color:#A5A5A5;;width:8.975069252077562%"></td>
</tr>
<tr>
<td colspan="1" rowspan="2" style="background-color:#A5A5A5;;padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom">
<div style="background-color:#A5A5A5;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.02pt"><b>Fund Type</b></span></span>
</div>
</td>
<td colspan="1" rowspan="2" style="background-color:#A5A5A5;;padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom">
<div style="background-color:#A5A5A5;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.02pt"><b>Fund and Adviser/Sub-Adviser</b></span></div>
</td>
<td colspan="1" rowspan="2" style="background-color:#A5A5A5;;padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom">
<div style="background-color:#A5A5A5;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.02pt"><b>Current </b></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.02pt"><b>Expenses </b></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.02pt"><b>(expenses/ </b></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.02pt"><b>average assets)</b></span></div>
</td>
<td colspan="3" style="background-color:#A5A5A5;;padding-bottom:2pt;border-bottom:1pt solid #000000;vertical-align:bottom">
<div style="background-color:#A5A5A5;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.02pt"><b>Average Annual Total Returns</b></span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.02pt"><b>(as of 12/31/2025)</b></span></div>
</td>
</tr>
<tr>
<td colspan="1" style="background-color:#A5A5A5;;padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom">
<div style="background-color:#A5A5A5;padding-left:2pt;padding-top:2pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.02pt"><b>1 Year</b></span></div>
</td>
<td colspan="1" style="background-color:#A5A5A5;;padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom">
<div style="background-color:#A5A5A5;padding-left:2pt;padding-top:2pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.02pt"><b>5 Year</b></span></div>
</td>
<td colspan="1" style="background-color:#A5A5A5;;padding-bottom:2pt;border-bottom:1pt solid #000000;vertical-align:bottom">
<div style="background-color:#A5A5A5;padding-left:2pt;padding-top:2pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.02pt"><b>10 Year </b></span></div>
</td>
</tr>
<tr>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:2pt;padding-top:3pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Large Cap Value</span></span>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:2pt;padding-top:3pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">LVIP Avantis Large Cap Value Fund (Standard Class II)</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 6.5pt"><sup>(9)</sup></span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"><b>Adviser: </b></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Lincoln Financial Investments Corporation</span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"><b>Sub-Adviser: </b></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">American Century Investment Management, Inc.</span>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">0.71</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 6.5pt"><sup>(*)</sup></span>
</div>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">14.86</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">8.78</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">10.39</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
</tr>
<tr>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:2pt;padding-top:3pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Large Cap Value</span></span>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:2pt;padding-top:3pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">MML VIP Franklin Templeton Equity Fund (Initial Class)</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 6.5pt"><sup>(10)</sup></span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"><b>Adviser: </b></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">MML Investment Advisers, LLC</span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"><b>Sub-Adviser: </b></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Brandywine Global Investment Management, LLC</span>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">0.44</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">17.49</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">13.75</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">11.23</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
</tr>
<tr>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:2pt;padding-top:3pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Large Cap Blend</span></span>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:2pt;padding-top:3pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Fidelity</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 6.5pt"><sup>®</sup></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"> VIP Contrafund</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 6.5pt"><sup>®</sup></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"> Portfolio (Service Class)</span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"><b>Adviser: </b></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Fidelity Management & Research Company LLC</span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"><b>Sub-Advisers: </b></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">FMR Investment Management (UK) Limited, Fidelity </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Management & Research (Hong Kong) Limited, and Fidelity </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Management & Research (Japan) Limited</span>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">0.64</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">21.38</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">15.25</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">15.66</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
</tr>
<tr>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:2pt;padding-top:3pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Large Cap Blend</span></span>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:2pt;padding-top:3pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">MFS</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 6.5pt"><sup>®</sup></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"> Research Series (Initial Class)</span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"><b>Adviser: </b></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Massachusetts Financial Services Company</span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"><b>Sub-Adviser: </b></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">N/A</span>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">0.74</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 6.5pt"><sup>(*)</sup></span>
</div>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">12.85</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">11.15</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">12.93</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
</tr>
<tr>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:2pt;padding-top:3pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Large Cap Blend</span></span>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:2pt;padding-top:3pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">MML VIP BlackRock</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 6.5pt"><sup>®</sup></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"> Equity Index Fund (Class II)</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 6.5pt"><sup>(11)</sup></span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"><b>Adviser: </b></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">MML Investment Advisers, LLC</span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"><b>Sub-Adviser: </b></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">BlackRock Advisors, LLC</span>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">0.29</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">17.57</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">14.10</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">14.50</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
</tr>
<tr>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:2pt;padding-top:3pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Large Cap Blend</span></span>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:2pt;padding-top:3pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">MML VIP Invesco Main Street Equity Fund (Class II)</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 6.5pt"><sup>(12)</sup></span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"><b>Adviser: </b></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">MML Investment Advisers, LLC</span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"><b>Sub-Adviser: </b></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Invesco Advisers, Inc.</span>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">0.80</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">16.15</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">12.47</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">14.45</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
</tr>
<tr>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:2pt;padding-top:3pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Large Cap Growth</span></span>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:2pt;padding-top:3pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">MFS</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 6.5pt"><sup>®</sup></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"> Growth Series (Initial Class)</span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"><b>Adviser: </b></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Massachusetts Financial Services Company</span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"><b>Sub-Adviser: </b></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">N/A</span>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">0.73</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 6.5pt"><sup>(*)</sup></span>
</div>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">12.19</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">11.10</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">15.60</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
</tr>
<tr>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:2pt;padding-top:3pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Large Cap Growth</span></span>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:2pt;padding-top:3pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">MML VIP Invesco Discovery Large Cap Fund (Class II)</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 6.5pt"><sup>(13)</sup></span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"><b>Adviser: </b></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">MML Investment Advisers, LLC</span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"><b>Sub-Adviser: </b></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Invesco Advisers, Inc.</span>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">0.78</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:2pt;padding-top:3pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">—</span></div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:2pt;padding-top:3pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">—</span></div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:2pt;padding-top:3pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">—</span></div>
</td>
</tr>
<tr>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:2pt;padding-top:3pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Large Cap Growth</span></span>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:2pt;padding-top:3pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">MML VIP T. Rowe Price Blue Chip Growth Fund (Initial Class)</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 6.5pt"><sup>(14)</sup></span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"><b>Adviser: </b></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">MML Investment Advisers, LLC</span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"><b>Sub-Adviser: </b></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">T. Rowe Price Associates, Inc.</span>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">0.78</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">18.41</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">11.08</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">15.25</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
</tr>
<tr>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:2pt;padding-top:3pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Large Cap Growth</span></span>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:2pt;padding-top:3pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">T. Rowe Price All-Cap Opportunities Portfolio</span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"><b>Adviser: </b></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">T. Rowe Price Associates, Inc.</span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"><b>Sub-Adviser: </b></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">N/A</span>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">0.80</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 6.5pt"><sup>(*)</sup></span>
</div>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">16.30</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">12.22</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">16.93</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
</tr>
<tr>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:2pt;padding-top:3pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Small/Mid-Cap Blend</span></span>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:2pt;padding-top:3pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Invesco V.I. Main Street Small Cap Fund</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 6.5pt"><sup>®</sup></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"> (Series I)</span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"><b>Adviser: </b></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Invesco Advisers, Inc.</span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"><b>Sub-Adviser: </b></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">N/A</span>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">0.84</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">8.70</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">8.34</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">10.59</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
</tr>
<tr>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:2pt;padding-top:3pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Small/Mid-Cap Blend</span></span>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:2pt;padding-top:3pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">MML VIP Invesco Small Cap Equity Fund (Initial Class)</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 6.5pt"><sup>(15)</sup></span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"><b>Adviser: </b></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">MML Investment Advisers, LLC</span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"><b>Sub-Adviser: </b></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Invesco Advisers, Inc.</span>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">0.71</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">8.86</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">8.38</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">10.73</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
</tr>
<tr>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:2pt;padding-top:3pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Small/Mid-Cap Growth</span></span>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:2pt;padding-top:3pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">MFS</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 6.5pt"><sup>®</sup></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"> New Discovery Series (Initial Class)</span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"><b>Adviser: </b></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Massachusetts Financial Services Company</span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"><b>Sub-Adviser: </b></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">N/A</span>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">0.87</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 6.5pt"><sup>(*)</sup></span>
</div>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">12.96</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">-0.28</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">10.74</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
</tr>
<tr>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:2pt;padding-top:3pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Small/Mid-Cap Growth</span></span>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:2pt;padding-top:3pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">MML VIP Invesco Discovery Mid Cap Fund (Class II)</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 6.5pt"><sup>(16)</sup></span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"><b>Adviser: </b></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">MML Investment Advisers, LLC</span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"><b>Sub-Adviser: </b></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Invesco Advisers, Inc.</span>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">0.85</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 6.5pt"><sup>(*)</sup></span>
</div>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:2pt;padding-top:3pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">—</span></div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:2pt;padding-top:3pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">—</span></div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:2pt;padding-top:3pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">—</span></div>
</td>
</tr>
<tr>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:2pt;padding-top:3pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Small/Mid-Cap Growth</span></span>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:2pt;padding-top:3pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">MML VIP T. Rowe Price Mid Cap Growth Fund (Initial Class)</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 6.5pt"><sup>(17)</sup></span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"><b>Adviser: </b></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">MML Investment Advisers, LLC</span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"><b>Sub-Adviser: </b></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">T. Rowe Price Associates, Inc.</span>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">0.82</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">4.35</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">3.82</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">9.94</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
</tr>
</table></div><div>
<table cellpadding="0" cellspacing="0" style="width:100%;cellspacing:0;border-top:1.5pt solid #000000;border-left:1.5pt solid #000000;
border-right:1.5pt solid #000000;border-bottom:1.5pt solid #000000;margin-top:5pt;">
<tr style="height:1px;">
<td style="height:1px;background-color:#A5A5A5;;width:18.05909510618652%"></td>
<td style="height:1px;background-color:#A5A5A5;;width:46.21421975992613%"></td>
<td style="height:1px;background-color:#A5A5A5;;width:10.380424746075716%"></td>
<td style="height:1px;background-color:#A5A5A5;;width:8.184672206832872%"></td>
<td style="height:1px;background-color:#A5A5A5;;width:8.184672206832872%"></td>
<td style="height:1px;background-color:#A5A5A5;;width:8.975069252077562%"></td>
</tr>
<tr>
<td colspan="1" rowspan="2" style="background-color:#A5A5A5;;padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom">
<div style="background-color:#A5A5A5;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.02pt"><b>Fund Type</b></span></span>
</div>
</td>
<td colspan="1" rowspan="2" style="background-color:#A5A5A5;;padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom">
<div style="background-color:#A5A5A5;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.02pt"><b>Fund and Adviser/Sub-Adviser</b></span></div>
</td>
<td colspan="1" rowspan="2" style="background-color:#A5A5A5;;padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom">
<div style="background-color:#A5A5A5;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.02pt"><b>Current </b></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.02pt"><b>Expenses </b></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.02pt"><b>(expenses/ </b></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.02pt"><b>average assets)</b></span></div>
</td>
<td colspan="3" style="background-color:#A5A5A5;;padding-bottom:2pt;border-bottom:1pt solid #000000;vertical-align:bottom">
<div style="background-color:#A5A5A5;padding-left:2pt;padding-top:1pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:0pt;margin-bottom:0;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.02pt"><b>Average Annual Total Returns</b></span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.02pt"><b>(as of 12/31/2025)</b></span></div>
</td>
</tr>
<tr>
<td colspan="1" style="background-color:#A5A5A5;;padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom">
<div style="background-color:#A5A5A5;padding-left:2pt;padding-top:2pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.02pt"><b>1 Year</b></span></div>
</td>
<td colspan="1" style="background-color:#A5A5A5;;padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:bottom">
<div style="background-color:#A5A5A5;padding-left:2pt;padding-top:2pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.02pt"><b>5 Year</b></span></div>
</td>
<td colspan="1" style="background-color:#A5A5A5;;padding-bottom:2pt;border-bottom:1pt solid #000000;vertical-align:bottom">
<div style="background-color:#A5A5A5;padding-left:2pt;padding-top:2pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.02pt"><b>10 Year </b></span></div>
</td>
</tr>
<tr>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:2pt;padding-top:3pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">International/Global</span></span>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:2pt;padding-top:3pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Invesco V.I. International Growth Fund (Series I)</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 6.5pt"><sup>(18)</sup></span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"><b>Adviser: </b></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Invesco Advisers, Inc.</span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"><b>Sub-Adviser: </b></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">N/A</span>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">1.00</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 6.5pt"><sup>(*)</sup></span>
</div>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">16.32</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">2.15</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">5.64</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
</tr>
<tr>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:2pt;padding-top:3pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">International/Global</span></span>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:2pt;padding-top:3pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">MML VIP Invesco Global Fund (Class II)</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 6.5pt"><sup>(19)</sup></span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"><b>Adviser: </b></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">MML Investment Advisers, LLC</span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"><b>Sub-Adviser: </b></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Invesco Advisers, Inc.</span>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">0.81</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">23.11</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">7.51</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">9.96</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
</tr>
<tr>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:2pt;padding-top:3pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="padding-left: 0pt"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">International/Global</span></span>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;vertical-align:top">
<div style="background-color:#FFFFFF;padding-left:2pt;padding-top:3pt;padding-bottom:0;align:center;text-align:center;padding-right:2pt;font-family:Arial, Helvetica, sans-serif;font-size:10pt;margin-top:1pt;margin-bottom:0;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">MML VIP MFS International Equity Fund (Class II)</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 6.5pt"><sup>(20)</sup></span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"><b>Adviser: </b></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">MML Investment Advisers, LLC</span><br/><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"><b>Sub-Adviser: </b></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Massachusetts Financial Services Company</span>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">0.93</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 6.5pt"><sup>(*)</sup></span>
</div>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">25.54</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;border-right:0.5pt solid #000000;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">7.32</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
<td colspan="1" style="padding-bottom:2pt;white-space:nowrap;vertical-align:top">
<div style="padding-top:4pt;width:100%;">
<div style="float:left;width:50%;text-align:right;vertical-align:top;"><span style="font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">7.23</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"></span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">%</span></div>
<div style="float:left;max-width:25%;text-align:left;vertical-align:top;"></div>
</div>
</td>
</tr>
</table></div>
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">MML VIP Aggressive Allocation Fund (Initial Class)</span>
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">MML Investment Advisers, LLC</span>
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">N/A</span>
0.0098
0.1417
0.0836
0.0953
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">MML VIP Balanced Allocation Fund (Initial Class)</span>
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">MML Investment Advisers, LLC</span>
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">N/A</span>
0.0086
0.111
0.0476
0.0633
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">MML VIP Conservative Allocation Fund (Initial Class)</span>
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">MML Investment Advisers, LLC</span>
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">N/A</span>
0.0083
0.1029
0.0398
0.0559
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">MML VIP Growth Allocation Fund (Initial Class)</span>
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">MML Investment Advisers, LLC</span>
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">N/A</span>
0.009
0.1299
0.0708
0.0838
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">MML VIP Moderate Allocation Fund (Initial Class)</span>
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">MML Investment Advisers, LLC</span>
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">N/A</span>
0.0087
0.1183
0.0572
0.0708
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Invesco V.I. U.S. Government Money Portfolio (Series I)</span>
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Invesco Advisers, Inc.</span>
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">N/A</span>
0.0067
0.0365
0.028
0.0176
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Invesco V.I. Core Plus Bond Fund (Series I)</span>
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Invesco Advisers, Inc.</span>
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">N/A</span>
0.0062
0.0709
-0.0011
0.0299
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Invesco V.I. Global Strategic Income Fund (Series I)</span>
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Invesco Advisers, Inc.</span>
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">N/A</span>
0.0095
0.1298
0.0165
0.0301
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">MML VIP Barings Core Bond Fund (Initial Class)</span>
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">MML Investment Advisers, LLC</span>
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Barings LLC</span>
0.0045
0.0785
0.0048
0.0264
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Invesco V.I. Equity and Income Fund (Series I)</span>
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Invesco Advisers, Inc.</span>
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">N/A</span>
0.0057
0.1281
0.0894
0.0892
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">LVIP American Century Value Fund (Standard Class II)</span>
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Lincoln Financial Investments Corporation</span>
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">American Century Investment Management, Inc.</span>
0.0071
0.1602
0.1165
0.1023
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">LVIP Avantis Large Cap Value Fund (Standard Class II)</span>
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Lincoln Financial Investments Corporation</span>
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">American Century Investment Management, Inc.</span>
0.0071
0.1486
0.0878
0.1039
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">MML VIP Franklin Templeton Equity Fund (Initial Class)</span>
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">MML Investment Advisers, LLC</span>
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Brandywine Global Investment Management, LLC</span>
0.0044
0.1749
0.1375
0.1123
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Fidelity</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 6.5pt"><sup>®</sup></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"> VIP Contrafund</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 6.5pt"><sup>®</sup></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"> Portfolio (Service Class)</span>
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Fidelity Management & Research Company LLC</span>
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">FMR Investment Management (UK) Limited, Fidelity </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Management & Research (Hong Kong) Limited, and Fidelity </span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Management & Research (Japan) Limited</span>
0.0064
0.2138
0.1525
0.1566
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">MFS</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 6.5pt"><sup>®</sup></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"> Research Series (Initial Class)</span>
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Massachusetts Financial Services Company</span>
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">N/A</span>
0.0074
0.1285
0.1115
0.1293
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">MML VIP BlackRock</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 6.5pt"><sup>®</sup></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"> Equity Index Fund (Class II)</span>
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">MML Investment Advisers, LLC</span>
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">BlackRock Advisors, LLC</span>
0.0029
0.1757
0.141
0.145
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">MML VIP Invesco Main Street Equity Fund (Class II)</span>
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">MML Investment Advisers, LLC</span>
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Invesco Advisers, Inc.</span>
0.008
0.1615
0.1247
0.1445
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">MFS</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 6.5pt"><sup>®</sup></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"> Growth Series (Initial Class)</span>
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Massachusetts Financial Services Company</span>
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">N/A</span>
0.0073
0.1219
0.111
0.156
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">MML VIP Invesco Discovery Large Cap Fund (Class II)</span>
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">MML Investment Advisers, LLC</span>
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Invesco Advisers, Inc.</span>
0.0078
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">MML VIP T. Rowe Price Blue Chip Growth Fund (Initial Class)</span>
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">MML Investment Advisers, LLC</span>
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">T. Rowe Price Associates, Inc.</span>
0.0078
0.1841
0.1108
0.1525
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">T. Rowe Price All-Cap Opportunities Portfolio</span>
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">T. Rowe Price Associates, Inc.</span>
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">N/A</span>
0.008
0.163
0.1222
0.1693
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Invesco V.I. Main Street Small Cap Fund</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 6.5pt"><sup>®</sup></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"> (Series I)</span>
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Invesco Advisers, Inc.</span>
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">N/A</span>
0.0084
0.087
0.0834
0.1059
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">MML VIP Invesco Small Cap Equity Fund (Initial Class)</span>
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">MML Investment Advisers, LLC</span>
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Invesco Advisers, Inc.</span>
0.0071
0.0886
0.0838
0.1073
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">MFS</span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 6.5pt"><sup>®</sup></span><span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt"> New Discovery Series (Initial Class)</span>
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Massachusetts Financial Services Company</span>
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">N/A</span>
0.0087
0.1296
-0.0028
0.1074
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">MML VIP Invesco Discovery Mid Cap Fund (Class II)</span>
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">MML Investment Advisers, LLC</span>
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Invesco Advisers, Inc.</span>
0.0085
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">MML VIP T. Rowe Price Mid Cap Growth Fund (Initial Class)</span>
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">MML Investment Advisers, LLC</span>
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">T. Rowe Price Associates, Inc.</span>
0.0082
0.0435
0.0382
0.0994
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Invesco V.I. International Growth Fund (Series I)</span>
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Invesco Advisers, Inc.</span>
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">N/A</span>
0.01
0.1632
0.0215
0.0564
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">MML VIP Invesco Global Fund (Class II)</span>
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">MML Investment Advisers, LLC</span>
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Invesco Advisers, Inc.</span>
0.0081
0.2311
0.0751
0.0996
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">MML VIP MFS International Equity Fund (Class II)</span>
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">MML Investment Advisers, LLC</span>
<span style="clear: both; font-family: Arial, Helvetica, sans-serif; font-size: 8.52pt">Massachusetts Financial Services Company</span>
0.0093
0.2554
0.0732
0.0723
(1)As a percentage of Fund assets.
(1)The Sales Load Charge may vary by employer group depending on: (1) the group enrollment procedures selected by the employer; (2) the total group premium paid by the employer; (3) the size of the employer group; and (4) other factors. Once the Sales Load Charge is set, it will never change for any of the Policies issued to individuals under the same group.
(1)The cost of insurance charge rates may vary based on a number of factors, including but not limited to, the Insured’s issue age, risk classification, Selected Face Amount, policy duration, and group rating. Thus, the cost of insurance charge shown in the above table may not be representative of the charge that a particular Policy Owner will pay. For more information on the cost of insurance charge rates for portable policies, please see “Cost of Insurance Charge” in the “Monthly Charges Against the Account Value” section. If you would like information on the cost of insurance charge rates for your particular situation, you can request a personalized illustration from your registered representative or by calling our Administrative Office at (800) 548-0073. Please see “Transaction Charges” in the “Charges and Deductions” section.
(2)For policies that were issued after December 31, 2019, the maximum cost of insurance charge rates are based on the 2017 Commissioners’ Standard Ordinary (2017 CSO) Tables.
(3)The rates shown for “representative insured” are first year rates for supplemental coverage only. Rates for mandatory coverage for the 1st year are $0.11 (Current Amount Deducted) and $0.29 (Maximum Amount Deducted) for groups issued prior to November 1, 2005 and $0.10 (Current Amount Deducted) and $0.29 (Maximum Amount Deducted) for groups issued on and after November 1, 2005. The rates will increase as the Insured ages. For groups issued on and after November 1, 2005, eligibility to maintain these “Current Amount Deducted” rates is contingent upon the group’s meeting our established criteria for this rate class. We reevaluate eligibility for the rate class at five-year intervals from the anniversary of the effective date of the employer’s participation in the group contract.
(4)For employer sponsored mandatory (basic) insurance programs, Cases issued with fewer than 1,000 policies will be reviewed annually on the anniversary of the effective date of the employer’s participation in the group contract. If on such date the number of policies in the Case exceeds 1,000, we will eliminate the monthly Administrative Charge for the policies in that Case. Such reduction will take effect within 60 days of the date of the annual review.
(5)If you become disassociated from your employer or your employer no longer sponsors the insurance program, the current monthly Administrative Charge for your policy will be $5.25.
(6)We charge interest on policy loans that you may choose to take, but we also credit interest on the Account Value we hold as collateral on policy loans. The loan interest rate expense charge represents the difference (cost) between the loan interest rate we charge and the interest credited on loaned amounts.
(7)The charges for the Accidental Death and Dismemberment Rider and the Waiver of Monthly Charges Rider vary based on the individual characteristics of the Insured. The rider charges may not be representative of the charges that a particular Policy Owner will pay. If you would like information on the charges for your particular situation for the Accidental Death and Dismemberment Rider and the Waiver of Monthly Charges Rider, you can request a personalized illustration from your registered representative, or by calling our Administrative Office at (800) 548-0073.
(8)The rates shown for the “representative insured” are first year rates only.
(9)The policy’s “Monthly Deduction” is the sum of the following current monthly charges: (a) administrative charge, (b) cost of insurance charge, and (c) any applicable rider charges.
(1)The cost of insurance charge rates may vary based on a number of factors, including but not limited to, the Insured’s issue age, risk classification, Selected Face Amount, policy duration, and group rating. Thus, the cost of insurance charge shown in the above table may not be representative of the charge that a particular Policy Owner will pay. For more information on the cost of insurance charge rates for portable policies, please see “Cost of Insurance Charge” in the “Monthly Charges Against the Account Value” section. If you would like information on the cost of insurance charge rates for your particular situation, you can request a personalized illustration from your registered representative or by calling our Administrative Office at (800) 548-0073. Please see “Transaction Charges” in the “Charges and Deductions” section.
(2)For policies that were issued after December 16, 2008 up to and including December 31, 2019, the maximum cost of insurance charge rates are based on the 2001 Commissioners’ Standard Ordinary (2001 CSO) Tables.
(3)The rates shown for “representative insured” are first year rates for supplemental coverage only. Rates for mandatory coverage for the 1st year are $0.11 (Current Amount Deducted) and $0.24 (Maximum Amount Deducted) for groups issued prior to November 1, 2005 and $0.10 (Current Amount Deducted) and $0.24 (Maximum Amount Deducted) for groups issued on and after November 1, 2005. The rates will increase as the Insured ages. For groups issued on and after November 1, 2005, eligibility to maintain these “Current Amount Deducted” rates is contingent upon the group’s meeting our established criteria for this rate class. We reevaluate eligibility for the rate class at five-year intervals from the anniversary of the effective date of the employer’s participation in the group contract.
(4)For employer sponsored mandatory (basic) insurance programs, Cases issued with fewer than 1,000 policies will be reviewed annually on the anniversary of the effective date of the employer’s participation in the group contract. If on such date the number of policies in the Case exceeds 1,000, we will eliminate the monthly Administrative Charge for the policies in that Case. Such reduction will take effect within 60 days of the date of the annual review.
(5)If you become disassociated from your employer or your employer no longer sponsors the insurance program, the current monthly Administrative Charge for your policy will be $5.25.
(6)We charge interest on policy loans that you may choose to take, but we also credit interest on the Account Value we hold as collateral on policy loans. The loan interest rate expense charge represents the difference (cost) between the loan interest rate we charge and the interest credited on loaned amounts.
(7)The charges for the Accidental Death and Dismemberment Rider and the Waiver of Monthly Charges Rider vary based on the individual characteristics of the Insured. The rider charges may not be representative of the charges that a particular Policy Owner will pay. If you would like information on the charges for your particular situation for the Accidental Death and Dismemberment Rider and the Waiver of Monthly Charges Rider, you can request a personalized illustration from your registered representative, or by calling our Administrative Office at (800) 548-0073.
(8)The rates shown for the “representative insured” are first year rates only.
(9)The policy’s “Monthly Deduction” is the sum of the following current monthly charges: (a) administrative charge, (b) cost of insurance charge, and (c) any applicable rider charges.
(1)The cost of insurance charge rates may vary based on a number of factors, including but not limited to, the Insured’s issue age, risk classification, Selected Face Amount, policy duration, and group rating. Thus, the cost of insurance charge shown in the above table may not be representative of the charge that a particular Policy Owner will pay. For more information on the cost of insurance charge rates for portable policies, please see “Cost of Insurance Charge” in the “Monthly Charges Against the Account Value” section. If you would like information on the cost of insurance charge rates for your particular situation, you can request a personalized illustration from your registered representative or by calling our Administrative Office at (800) 548-0073. Please see “Transaction Charges” in the “Charges and Deductions” section.
(2)For policies that were issued on or before December 16, 2008, the maximum cost of insurance charge rates are based on the 1980 Commissioners’ Standard Ordinary (1980 CSO) Tables.
(3)The rates shown for “representative insured” are first year rates for supplemental coverage only. Rates for mandatory coverage for the 1st year are $0.11 (Current Amount Deducted) and $0.36 (Maximum Amount Deducted) for groups issued prior to November 1, 2005 and $0.10 (Current Amount Deducted) and $0.36 (Maximum Amount Deducted) for groups issued on and after November 1, 2005. The rates will increase as the Insured ages. For groups issued on and after November 1, 2005, eligibility to maintain these “Current Amount Deducted” rates is contingent upon the group’s meeting our established criteria for this rate class. We reevaluate eligibility for the rate class at five-year intervals from the anniversary of the effective date of the employer’s participation in the group contract.
(4)For employer sponsored mandatory (basic) insurance programs, Cases issued with fewer than 1,000 policies will be reviewed annually on the anniversary of the effective date of the employer’s participation in the group contract. If on such date the number of policies in the Case exceeds 1,000, we will eliminate the monthly Administrative Charge for the policies in that Case. Such reduction will take effect within 60 days of the date of the annual review.
(5)If you become disassociated from your employer or your employer no longer sponsors the insurance program, the current monthly Administrative Charge for your policy will be $5.25.
(6)We charge interest on policy loans that you may choose to take, but we also credit interest on the Account Value we hold as collateral on policy loans. The loan interest rate expense charge represents the difference (cost) between the loan interest rate we charge and the interest credited on loaned amounts.
(7)The charges for the Accidental Death and Dismemberment Rider and the Waiver of Monthly Charges Rider vary based on the individual characteristics of the Insured. The rider charges may not be representative of the charges that a particular Policy Owner will pay. If you would like information on the charges for your particular situation for the Accidental Death and Dismemberment Rider and the Waiver of Monthly Charges Rider, you can request a personalized illustration from your registered representative, or by calling our Administrative Office at (800) 548-0073.
(8)The rates shown for the ‘‘representative insured’’ are first year rates only.
(9)The policy’s “Monthly Deduction” is the sum of the following current monthly charges: (a) administrative charge, (b) cost of insurance charge, and (c) any applicable rider charges.
(1)The Fund expenses used to prepare this table were provided to us by the Funds. We have not independently verified such information provided to us by Funds that are not affiliated with us.
Fidelity and Contrafund are registered service marks of FMR LLC. Used with permission.
(2)MML VIP Aggressive Allocation Fund formerly known as MML Aggressive Allocation Fund.
(3)MML VIP Balanced Allocation Fund formerly known as MML Balanced Allocation Fund.
(4)MML VIP Conservative Allocation Fund formerly known as MML Conservative Allocation Fund.
(5)MML VIP Growth Allocation Fund formerly known as MML Growth Allocation Fund.
(1)These are fund-of-funds investment choices. They are known as fund-of-funds because they invest in other underlying funds. A fund offered in a fund-of-funds structure may have higher expenses than a direct investment in its underlying funds because a fund-of-funds bears its own expenses and indirectly bears its proportionate share of expenses of the underlying funds in which it invests.
(6)MML VIP Moderate Allocation Fund formerly known as MML Moderate Allocation Fund.
(7)You could lose money by investing in the Fund. Although the Fund seeks to preserve the value of your investment at $1.00 per share, it cannot guarantee it will do so. An investment in the Fund is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. The Fund’s sponsor has no legal obligation to provide financial support to the Fund, and you should not expect that the sponsor will provide financial support to the Fund at any time. The yield of this Fund may become very low during periods of low interest rates. After deduction of Separate Account charges, the yield in the division that invests in this Fund could be negative.
(8)MML VIP Barings Core Bond Fund formerly known as MML Managed Bond Fund.
(9)LVIP Avantis Large Cap Value Fund formerly known as LVIP American Century Disciplined Core Value Fund.
(10)MML VIP Franklin Templeton Equity Fund formerly known as MML Equity Fund.
(11)MML VIP BlackRock® Equity Index Fund formerly known as MML Equity Index Fund.
(12)MML VIP Invesco Main Street Equity Fund formerly known as MML Fundamental Equity Fund.
(13)MML VIP Invesco Discovery Large Cap Fund formerly known as MML Invesco Discovery Large Cap Fund.
(14)MML VIP T. Rowe Price Blue Chip Growth Fund formerly known as MML Blue Chip Growth Fund.
(15)MML VIP Invesco Small Cap Equity Fund formerly known as MML Small Cap Equity Fund.
(16)MML VIP Invesco Discovery Mid Cap Fund formerly known as MML Invesco Discovery Mid Cap Fund.
(17)MML VIP T. Rowe Price Mid Cap Growth Fund formerly known as MML Mid Cap Growth Fund.
(18)Invesco V.I. International Growth Fund formerly known as Invesco Oppenheimer V.I. International Growth Fund.
(19)MML VIP Invesco Global Fund formerly known as MML Global Fund.
(20)MML VIP MFS International Equity Fund formerly known as MML International Equity Fund.
(*)This Fund is subject to an expense reimbursement or fee waiver arrangement. As a result, this Fund’s annual expenses reflect temporary expense reductions. See the Fund prospectus for additional information.