N-4
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Apr. 30, 2026
USD ($)
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| Prospectus: |
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| Document Type |
N-4
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| Entity Registrant Name |
EMPIRE FIDELITY INVESTMENTS VARIABLE ANNUITY ACCOUNT A
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| Entity Central Index Key |
0000878467
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| Entity Investment Company Type |
N-4
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| Document Period End Date |
Dec. 31, 2025
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| Amendment Flag |
false
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| Item 3. Key Information [Line Items] |
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| Fees and Expenses [Text Block] |
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| FEES, EXPENSES, AND ADJUSTMENTS |
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Location in
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| Are There Charges or Adjustments for Early Withdrawals? |
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No |
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| Are There Transaction Charges? |
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Although we do not currently intend to charge for Exchanges, we reserve the right to impose a charge if you make Exchanges on more than six days during a calendar year. The charge will be not more than $15 for each additional day on which you make an Exchange. |
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Fee Tables |
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| Are There Ongoing Fees and Expenses? |
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Yes, the table below describes the fees and expenses that you may pay each year , depending on the investment options you choose. The Annual Charges do not reflect any advisory fees that may be paid by you to a third-party investment advisory firm from your Contract. If such advisory fees were reflected, the fees and expenses disclosed below would be higher. Please refer to your Contract Schedule page for information about the specific fees you will pay each year based on the options you have elected. |
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Fee Tables 8. Current Charges and Other Deductions Appendix A: Funds Available Under the Contract |
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Annual Fee |
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Minimum |
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Maximum |
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Base Contract Expenses |
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0.25%1,2 |
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0.25%1,2 |
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Subaccounts (Fund fees and expenses) |
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0.09%3 |
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3.38%3 |
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1As a percentage of the average Contract Value. 2You will be assessed Base Contract Expenses of 0.10% (hereafter referred to as “lower Contract Charges”) if (1) you purchase a Contract on or after September 7, 2010 with an Initial Purchase Payment of $1,000,000 or more, or (2) your Contract Value equals $1,000,000 or more on or after September 7, 2010 and at that time we are offering the Contract to new applicants at the lower Contract Charges. 3 As a percentage of the net assets of each Subaccount. |
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| FEES, EXPENSES, AND ADJUSTMENTS |
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Location in Prospectus |
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Because your Contract is customizable, the choices you make affect how much you will pay. To help you understand the cost of owning your Contract, the following table shows the lowest and highest cost you could pay each year , based on current charges. |
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Lowest Annual Cost $327 |
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Highest Annual Cost $2,986 |
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Assumes 0.25% Base Contract Expenses Least expensive combination of Fund fees and expenses No advisory fees paid to third-party investment advisory firms No additional Purchase Payments, transfers or withdrawals |
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Assumes 0.25% Base Contract Expenses Most expensive combination of Fund fees and expenses No advisory fees paid to third-party investment advisory firms No additional Purchase Payments, transfers or withdrawals |
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| Charges for Early Withdrawals [Text Block] |
No
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| Transaction Charges [Text Block] |
Although we do not currently intend to charge for Exchanges, we reserve the right to impose a charge if you make Exchanges on more than six days during a calendar year. The charge will be not more than $15 for each additional day on which you make an Exchange.
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| Ongoing Fees and Expenses [Table Text Block] |
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| Are There Ongoing Fees and Expenses? |
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Yes, the table below describes the fees and expenses that you may pay each year , depending on the investment options you choose. The Annual Charges do not reflect any advisory fees that may be paid by you to a third-party investment advisory firm from your Contract. If such advisory fees were reflected, the fees and expenses disclosed below would be higher. Please refer to your Contract Schedule page for information about the specific fees you will pay each year based on the options you have elected. |
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Fee Tables 8. Current Charges and Other Deductions Appendix A: Funds Available Under the Contract |
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Annual Fee |
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Minimum |
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Maximum |
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Base Contract Expenses |
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0.25%1,2 |
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0.25%1,2 |
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Subaccounts (Fund fees and expenses) |
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0.09%3 |
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3.38%3 |
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1As a percentage of the average Contract Value. 2You will be assessed Base Contract Expenses of 0.10% (hereafter referred to as “lower Contract Charges”) if (1) you purchase a Contract on or after September 7, 2010 with an Initial Purchase Payment of $1,000,000 or more, or (2) your Contract Value equals $1,000,000 or more on or after September 7, 2010 and at that time we are offering the Contract to new applicants at the lower Contract Charges. 3 As a percentage of the net assets of each Subaccount. |
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| Base Contract (of Average Annual Net Assets) (N-4) Minimum [Percent] |
0.25%
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[1],[2] |
| Base Contract (of Average Annual Net Assets) (N-4) Maximum [Percent] |
0.25%
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[1],[2] |
| Investment Options (of Average Annual Net Assets) Minimum [Percent] |
0.09%
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[3] |
| Investment Options (of Average Annual Net Assets) Maximum [Percent] |
3.38%
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[3] |
| Base Contract (N-4) Footnotes [Text Block] |
1As a percentage of the average Contract Value.2You will be assessed Base Contract Expenses of 0.10% (hereafter referred to as “lower Contract Charges”) if (1) you purchase a Contract on or after September 7, 2010 with an Initial Purchase Payment of $1,000,000 or more, or (2) your Contract Value equals $1,000,000 or more on or after September 7, 2010 and at that time we are offering the Contract to new applicants at the lower Contract Charges.
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| Investment Options Footnotes [Text Block] |
As a percentage of the net assets of each Subaccount.
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| Lowest and Highest Annual Cost [Table Text Block] |
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Lowest Annual Cost $327 |
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Highest Annual Cost $2,986 |
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Assumes 0.25% Base Contract Expenses Least expensive combination of Fund fees and expenses No advisory fees paid to third-party investment advisory firms No additional Purchase Payments, transfers or withdrawals |
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Assumes 0.25% Base Contract Expenses Most expensive combination of Fund fees and expenses No advisory fees paid to third-party investment advisory firms No additional Purchase Payments, transfers or withdrawals |
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| Lowest Annual Cost [Dollars] |
$ 327
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| Highest Annual Cost [Dollars] |
$ 2,986
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| Risks [Table Text Block] |
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| RISKS |
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Location in Prospectus |
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| Is There a Risk of Loss from Poor Performance? |
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Yes, an investor can lose money by investing in the Contract. |
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1. Principal Risks of Investing in the Contract 2(a). EFILI and the Variable Account 2(b). The Funds |
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| Is This a Short‑Term Investment? |
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No, the Contract is not suitable as a short-term investment and is not appropriate for an investor who needs ready access to cash. This is because the benefits of tax deferral are more advantageous to investors with a long-time horizon. Investors with a short time horizon may not benefit. Furthermore, the taxable portion of a distribution will generally be taxed as ordinary income and may be subject to a penalty tax if received before age 591⁄2. |
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1. Principal Risks of Investing in the Contract |
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| What Are the Risks Associated with the Investment Options? |
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An investment in the Contract is subject to the risk of poor performance of the Subaccount(s). Performance will vary based on the performance of the Subaccount(s) you select. Each Subaccount will have its own unique risks. You should review each Fund’s prospectus carefully before making an investment decision. |
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1. Principal Risks of Investing in the Contract 2(a). EFILI and the Variable Account 2(b). The Funds |
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| RISKS |
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Location in Prospectus |
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| What Are the Risks Related to the Insurance Company? |
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The Contract is issued by and subject to the risks related to Empire Fidelity Investments Life Insurance Company (“EFILI, “we”, or “us”). The obligations, guarantees, and benefits of the Contract are subject to EFILI’s claims-paying ability. EFILI has an A+ Financial Strength Rating from AM Best as of March 5, 2026. |
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1. Principal Risks of Investing in the Contract 2(a). EFILI and the Variable Account |
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| Investment Restrictions [Text Block] |
Yes, the following restrictions may apply:•During all or part of the Free Look Period, we reserve the right to invest your Purchase Payments in the Government Money Market Subaccount.•You cannot exchange less than $250 from any Subaccount except that if you have less than $250 in a Subaccount you may exchange the entire amount.•Contract Owners who engage in frequent Exchanges may be subjected to temporary or permanent restrictions on future purchase transactions or Exchanges.•We have the right to eliminate Subaccounts, to combine two or more Subaccounts, or to substitute a new mutual fund for the mutual fund in which a Subaccount invests.Yes, there are:•We will not pay any Beneficiary their portion of the Death Benefit until we have determined the number of Beneficiaries entitled to receive payment and received all required forms in good order.•We reserve the right to modify or terminate certain benefits available under the Contract.
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| Tax Implications [Text Block] |
•The Contracts are not offered in connection with Individual Retirement Accounts (“IRAs”) or qualified plans of any kind.•Consult with a tax professional to determine the tax implications of an investment in and payments received under this Contract.•Under current law, you will not be taxed on increases in the value of your Contract until a distribution occurs. The taxable portion of a distribution will generally be taxed as ordinary income. A penalty tax equal to 10% of the amount treated as taxable income may be imposed on distributions received before age 591⁄2.
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| Investment Professional Compensation [Text Block] |
Your investment professional may receive compensation for selling this Contract to you in the form of commissions. This financial incentive may influence your investment professional to recommend this Contract over another investment.
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| Exchanges [Text Block] |
Your investment professional may have a financial incentive to offer you a new contract in place of the one you own. You should only exchange your contract if you determine, after comparing the features, fees, and risks of both contracts, and any fees or penalties to terminate the existing contract, that it is better for you to purchase the new contract rather than continue to own your existing contract.
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| Item 4. Fee Table [Line Items] |
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| Item 4. Fee Table [Text Block] |
FEE TABLES The following tables describe the fees and expenses that you will pay while you own the Contract. Please refer to your Contract Schedule page for information about the specific fees you will pay each year based on the options you have elected. These tables do not reflect any advisory fees that may be paid by you to a third-party investment advisory firm from the Contract. If such advisory fees were reflected, the fees and expenses disclosed below would be higher. The first table describes the fees and expenses that you will pay at the time that you transfer Contract Value between Subaccounts.
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| Transaction Expenses |
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Current Charge |
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Maximum Charge |
| Transfer Fee |
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None |
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$15.00A |
| A |
Although we do not currently intend to charge for Exchanges, we reserve the right to impose a charge if you make Exchanges on more than six days during a calendar year. The charge will be not more than $15 for each additional day on which you make an Exchange. If your only Exchange on a given day results from Dollar Cost Averaging or Automatic Rebalancing this will not count against the six‑day limit. | The next table describes the fees and expenses that you will pay each year during the time that you own the Contract (not including Fund fees and expenses).
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| Annual Contract Expenses |
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Maximum Charge |
| Base Contract Expenses1,2 (as a percentage of the average Contract Value) |
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0.25% |
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Base Contract Expenses are the total of two separate charges, a Mortality and Expense Risk Charge and an Administrative Charge. You may also see Base Contract Expenses referred to as “Total Separate Account Annual Expenses”. |
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You will be assessed Base Contract Expenses of 0.10% (hereafter referred to as “lower Contract Charges”) if (1) you purchase a Contract on or after September 7, 2010, with an Initial Purchase Payment of $1,000,000 or more, or (2) your Contract Value equals $1,000,000 or more on or after September 7, 2010, and at that time we are offering the Contract to new applicants at the lower Contract Charges (See 8(c). Automatic Contract Charge Reduction). Contracts funded with Purchase Payments from different sources (e.g., other annuity contracts or investments) will be issued with the lower Contract Charges only if the amount of the Initial Purchase Payment applied to the Contract on the Contract Date is $1,000,000 or more and is received by us on or after September 7, 2010. | We reserve the right to terminate the lower Contract Charges for new applicants at any time. We also reserve the right to terminate the availability of the lower Contract Charges to existing Owners in the event we decide to cease offering the lower Contract Charges to new applicants. You should not purchase a Contract based on the expectation that we will still be offering new Contracts at the lower Contract Charges if your Contract Value reaches $1,000,000 or more at some time in the future. The next item shows the minimum and maximum total operating expenses charged by the Funds that you may pay periodically during the time that you own the Contract. Expenses shown may change over time and may be higher or lower in the future. A complete list of Funds available under the Contract, including their annual expenses, may be found at the back of this document.
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| Annual Portfolio Company Expenses |
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Minimum |
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Maximum |
(expenses that are deducted from Fund assets, including management fees, distribution and/or service (12b‑1) fees, and other expenses) |
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0.09% |
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3.38% |
(expenses that are deducted from Fund assets, including management fees, distribution and/or service (12b‑1) fees, and other expenses after any waivers or expense reimbursements) |
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0.09% |
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3.19%1 |
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This reflects temporary reductions to Fund expenses. | Example This example is intended to help you compare the cost of investing in the Contract with the cost of investing in other annuity contracts that offer variable options. These costs include annual Contract expenses and annual Fund expenses, but do not reflect any advisory fees that may be paid by you to a third-party investment advisory firm from the Contract. If such fees were reflected, the below expenses would be higher. This example assumes that you invest $100,000 in the Contract for the time periods indicated. The example also assumes that your investment has a 5% return each year, 0.25% Base Contract Expenses, and the maximum annual Fund expenses. Although your actual costs may be higher or lower, based on these assumptions, your costs would be as shown immediately below, regardless of whether you annuitize, make a full withdrawal, or continue your Contract at the end of each of the periods shown:
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| 1 year |
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3 years |
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5 years |
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10 years |
| $3,655 |
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$11,115 |
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$18,782 |
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$38,886 |
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| Transaction Expenses [Table Text Block] |
The first table describes the fees and expenses that you will pay at the time that you transfer Contract Value between Subaccounts.
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| Transaction Expenses |
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Current Charge |
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Maximum Charge |
| Transfer Fee |
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None |
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$15.00A |
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Although we do not currently intend to charge for Exchanges, we reserve the right to impose a charge if you make Exchanges on more than six days during a calendar year. The charge will be not more than $15 for each additional day on which you make an Exchange. If your only Exchange on a given day results from Dollar Cost Averaging or Automatic Rebalancing this will not count against the six‑day limit. |
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| Transfer Fee, Maximum [Dollars] |
$ 15.00
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[4] |
| Transfer Fee, Current [Dollars] |
$ 0
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| Transfer Fee, Footnotes [Text Block] |
Although we do not currently intend to charge for Exchanges, we reserve the right to impose a charge if you make Exchanges on more than six days during a calendar year. The charge will be not more than $15 for each additional day on which you make an Exchange. If your only Exchange on a given day results from Dollar Cost Averaging or Automatic Rebalancing this will not count against the six‑day limit.
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| Annual Contract Expenses [Table Text Block] |
The next table describes the fees and expenses that you will pay each year during the time that you own the Contract (not including Fund fees and expenses).
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| Annual Contract Expenses |
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Maximum Charge |
| Base Contract Expenses1,2 (as a percentage of the average Contract Value) |
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0.25% |
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Base Contract Expenses are the total of two separate charges, a Mortality and Expense Risk Charge and an Administrative Charge. You may also see Base Contract Expenses referred to as “Total Separate Account Annual Expenses”. |
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You will be assessed Base Contract Expenses of 0.10% (hereafter referred to as “lower Contract Charges”) if (1) you purchase a Contract on or after September 7, 2010, with an Initial Purchase Payment of $1,000,000 or more, or (2) your Contract Value equals $1,000,000 or more on or after September 7, 2010, and at that time we are offering the Contract to new applicants at the lower Contract Charges (See 8(c). Automatic Contract Charge Reduction). Contracts funded with Purchase Payments from different sources (e.g., other annuity contracts or investments) will be issued with the lower Contract Charges only if the amount of the Initial Purchase Payment applied to the Contract on the Contract Date is $1,000,000 or more and is received by us on or after September 7, 2010. |
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| Base Contract Expense (of Average Account Value), Maximum [Percent] |
0.25%
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[5],[6] |
| Base Contract Expense, Footnotes [Text Block] |
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Base Contract Expenses are the total of two separate charges, a Mortality and Expense Risk Charge and an Administrative Charge. You may also see Base Contract Expenses referred to as “Total Separate Account Annual Expenses”. |
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You will be assessed Base Contract Expenses of 0.10% (hereafter referred to as “lower Contract Charges”) if (1) you purchase a Contract on or after September 7, 2010, with an Initial Purchase Payment of $1,000,000 or more, or (2) your Contract Value equals $1,000,000 or more on or after September 7, 2010, and at that time we are offering the Contract to new applicants at the lower Contract Charges (See 8(c). Automatic Contract Charge Reduction). Contracts funded with Purchase Payments from different sources (e.g., other annuity contracts or investments) will be issued with the lower Contract Charges only if the amount of the Initial Purchase Payment applied to the Contract on the Contract Date is $1,000,000 or more and is received by us on or after September 7, 2010. |
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| Annual Portfolio Company Expenses [Table Text Block] |
The next item shows the minimum and maximum total operating expenses charged by the Funds that you may pay periodically during the time that you own the Contract. Expenses shown may change over time and may be higher or lower in the future. A complete list of Funds available under the Contract, including their annual expenses, may be found at the back of this document.
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| Annual Portfolio Company Expenses |
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Minimum |
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Maximum |
(expenses that are deducted from Fund assets, including management fees, distribution and/or service (12b‑1) fees, and other expenses) |
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0.09% |
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3.38% |
(expenses that are deducted from Fund assets, including management fees, distribution and/or service (12b‑1) fees, and other expenses after any waivers or expense reimbursements) |
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0.09% |
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3.19%1 |
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This reflects temporary reductions to Fund expenses. |
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| Portfolio Company Expenses [Text Block] |
(expenses that are deducted from Fund assets, including management fees, distribution and/or service (12b‑1) fees, and other expenses)
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| Portfolio Company Expenses Minimum [Percent] |
0.09%
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| Portfolio Company Expenses Maximum [Percent] |
3.38%
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| Portfolio Company Expenses, Footnotes [Text Block] |
This reflects temporary reductions to Fund expenses.
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| Surrender Example [Table Text Block] |
Example This example is intended to help you compare the cost of investing in the Contract with the cost of investing in other annuity contracts that offer variable options. These costs include annual Contract expenses and annual Fund expenses, but do not reflect any advisory fees that may be paid by you to a third-party investment advisory firm from the Contract. If such fees were reflected, the below expenses would be higher. This example assumes that you invest $100,000 in the Contract for the time periods indicated. The example also assumes that your investment has a 5% return each year, 0.25% Base Contract Expenses, and the maximum annual Fund expenses. Although your actual costs may be higher or lower, based on these assumptions, your costs would be as shown immediately below, regardless of whether you annuitize, make a full withdrawal, or continue your Contract at the end of each of the periods shown:
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| 1 year |
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3 years |
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5 years |
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10 years |
| $3,655 |
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$11,115 |
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$18,782 |
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$38,886 |
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| Surrender Expense, 1 Year, Maximum [Dollars] |
$ 3,655
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| Surrender Expense, 3 Years, Maximum [Dollars] |
11,115
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| Surrender Expense, 5 Years, Maximum [Dollars] |
18,782
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| Surrender Expense, 10 Years, Maximum [Dollars] |
$ 38,886
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| Annuitize Example [Table Text Block] |
Example This example is intended to help you compare the cost of investing in the Contract with the cost of investing in other annuity contracts that offer variable options. These costs include annual Contract expenses and annual Fund expenses, but do not reflect any advisory fees that may be paid by you to a third-party investment advisory firm from the Contract. If such fees were reflected, the below expenses would be higher. This example assumes that you invest $100,000 in the Contract for the time periods indicated. The example also assumes that your investment has a 5% return each year, 0.25% Base Contract Expenses, and the maximum annual Fund expenses. Although your actual costs may be higher or lower, based on these assumptions, your costs would be as shown immediately below, regardless of whether you annuitize, make a full withdrawal, or continue your Contract at the end of each of the periods shown:
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| 1 year |
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3 years |
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5 years |
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10 years |
| $3,655 |
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$11,115 |
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$18,782 |
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$38,886 |
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| Annuitized Expense, 1 Year, Maximum [Dollars] |
$ 3,655
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| Annuitized Expense, 3 Years, Maximum [Dollars] |
11,115
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| Annuitized Expense, 5 Years, Maximum [Dollars] |
18,782
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| Annuitized Expense, 10 Years, Maximum [Dollars] |
$ 38,886
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| No Surrender Example [Table Text Block] |
Example This example is intended to help you compare the cost of investing in the Contract with the cost of investing in other annuity contracts that offer variable options. These costs include annual Contract expenses and annual Fund expenses, but do not reflect any advisory fees that may be paid by you to a third-party investment advisory firm from the Contract. If such fees were reflected, the below expenses would be higher. This example assumes that you invest $100,000 in the Contract for the time periods indicated. The example also assumes that your investment has a 5% return each year, 0.25% Base Contract Expenses, and the maximum annual Fund expenses. Although your actual costs may be higher or lower, based on these assumptions, your costs would be as shown immediately below, regardless of whether you annuitize, make a full withdrawal, or continue your Contract at the end of each of the periods shown:
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|
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|
|
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| 1 year |
|
3 years |
|
5 years |
|
10 years |
| $3,655 |
|
$11,115 |
|
$18,782 |
|
$38,886 |
|
|
| No Surrender Expense, 1 Year, Maximum [Dollars] |
$ 3,655
|
|
| No Surrender Expense, 3 Years, Maximum [Dollars] |
11,115
|
|
| No Surrender Expense, 5 Years, Maximum [Dollars] |
18,782
|
|
| No Surrender Expense, 10 Years, Maximum [Dollars] |
$ 38,886
|
|
| Item 5. Principal Risks [Line Items] |
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| Item 5. Principal Risks [Table Text Block] |
1. PRINCIPAL RISKS OF INVESTING IN THE CONTRACT Risk of Loss: The value of the money you invest in any Subaccount will vary with the investment performance of the single Fund in which the Subaccount invests. There is a risk of loss of the entire amount invested. Values may increase, decrease, or stay the same. You bear the investment risk. You should review each Fund’s prospectus carefully before making an investment decision. Not A Short-Term Investment: The Contract is not suitable as a short-term investment and is not appropriate for an investor who needs ready access to cash. This is because the benefits of tax deferral are more advantageous to investors with a long-time horizon. Investors with a short time horizon may not benefit. Furthermore, adverse tax consequences may result from withdrawals prior to age 591⁄2. Possibility of Adverse Tax Consequences: A penalty tax equal to 10% of the amount treated as taxable income may be imposed on distributions received before age 591⁄2. Not appropriate for Certain Individuals: Investors who may benefit from this Contract are individuals who have maximized contributions to traditional tax‑deferred savings vehicles and are seeking additional opportunities to invest long-term on a tax‑deferred basis. The contract is generally not appropriate for investors who have not maximized contributions to other traditional tax‑deferred savings vehicles available to them, such as individual retirement accounts (IRAs) and employer sponsored plans. This is because these savings vehicles already provide tax‑deferral, but, unlike annuity contracts, they are not subject to a Base Contract Expense and certain other charges unique to annuity contracts. While there are higher cost annuity contracts that provide insurance benefits not available in traditional tax‑deferred savings vehicles, this annuity Contract provides limited insurance benefits (primarily the ability to annuitize and receive income payments for life). Potential Harmful Fund Transfer Activity: Frequent Exchanges among Subaccounts by Contract Owners can reduce the long-term returns of the Funds. The reduced returns could adversely affect the owners, annuitants, insureds or beneficiaries of any variable annuity or variable life insurance contract issued by any insurance company with respect to values allocated to the Fund. Frequent Exchanges may reduce a Fund’s performance by increasing costs paid by the Fund (such as brokerage commissions); they can disrupt portfolio management strategies; and they can have the effect of diluting the value of the shares of long-term shareholders in cases in which fluctuations in markets are not fully priced into the Fund’s net asset value. EFILI has adopted policies designed to discourage frequent trading. See 5. Making Exchanges Among Subaccounts for more information. Insurance Company Risks: The Contract is issued by and subject to the risks related to Empire Fidelity Investments Life Insurance Company (“EFILI, “we”, or “us”). The obligations, guarantees, and benefits of the Contract are subject to EFILI’s claims-paying ability. If EFILI experiences financial distress, it may not be able to meet its obligations – annuity income payments guaranteed under the Contract could be especially at risk. Potential Impact of Any Fees You Pay to Third-Party Investment Advisory Firms: You may authorize a third‑party investment advisory firm (the “Advisor”) to make asset allocation decisions and request other transactions within the Contract on your behalf. The Advisor may charge an advisory fee for their services, and this fee would be in addition to the Contract’s fees and expenses. If you elect to pay this advisory fee from the Contract, then this deduction will reduce the Contract Value and Death Benefit and may be subject to federal and state income taxes and a 10% federal penalty tax. Contract Changes Risk: There is the risk that in the future we will exercise our right to change certain fees or features of the Contract, including the following:
| |
• |
|
We may limit the amount of any Initial or Additional Purchase Payment. |
| |
• |
|
We reserve the right to terminate the availability of the lower Contract Charges (0.10%) to existing Owners in the event we decide to cease offering the lower Contract Charges to new applicants. |
| |
• |
|
We reserve the right to limit exchanges, and to charge as much as $15.00 for each exchange in excess of six per calendar year. |
| |
• |
|
We reserve the right to eliminate Subaccounts, to combine two or more Subaccounts, or to substitute a new mutual fund for the mutual fund in which a Subaccount invests. |
| |
• |
|
We may modify or terminate certain Contract features such as dollar cost averaging, automatic rebalancing, and the systematic withdrawal program. |
|
|
| Item 10. Benefits Available [Line Items] |
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| Benefits Available (N-4) [Text Block] |
4. BENEFITS AVAILABLE UNDER THE CONTRACT The following table summarizes information about the benefits available under the Contract. A detailed description of each benefit follows the table. Standard Benefits
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| Name of Benefit |
|
Purpose |
|
Maximum Fee |
|
Brief Description of Restrictions/Limitations |
| Death Benefit |
|
Upon death of an Owner (or Annuitant in the case of a trust owned contract) prior to the Annuity Date, provides a benefit to the Beneficiary(ies). The Death Benefit is the then-current Contract Value on the date we receive due proof of death and all of our required forms fully completed. |
|
None |
|
There is no guaranteed minimum death benefit. We will not pay any Beneficiary until we have determined the number of Beneficiaries entitled to receive payment. Any advisory fees you pay from the Contract to a third-party investment advisory firm will be treated as a withdrawal and, like any other withdrawal, will reduce the Contract Value and Death Benefit. |
| Automatic Annuity Builder |
|
Allows for periodic, pre‑authorized Purchase Payments from a checking or savings account, or a Fidelity Investments brokerage account. |
|
None |
|
Minimum transfer amount is $100. We reserve the right to restrict participation if there is insufficient funds to complete a transfer. |
| Dollar Cost Averaging |
|
Allows for automatic monthly Exchanges from one of two Subaccounts (the Source Options) to any other Subaccount (the Destination Option). |
|
None |
|
Minimum transfer amount is $250. May not be used at the same time as Automatic Rebalancing. We reserve the right to modify or terminate this benefit. |
| Automatic Rebalancing |
|
Helps to maintain a specified allocation mix among Subaccounts. |
|
None |
|
May not be used at the same time as Dollar Cost Averaging. We reserve the right to modify or terminate this benefit. |
| Systematic Withdrawal Program |
|
Allows for periodic withdrawals of at least $100 on a monthly, quarterly, semi-annual, or annual basis. |
|
None |
|
Contract Value must be at least $10,000 to begin this program. We reserve the right to modify or terminate this benefit. |
|
|
| Benefits Available [Table Text Block] |
Standard Benefits
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| Name of Benefit |
|
Purpose |
|
Maximum Fee |
|
Brief Description of Restrictions/Limitations |
| Death Benefit |
|
Upon death of an Owner (or Annuitant in the case of a trust owned contract) prior to the Annuity Date, provides a benefit to the Beneficiary(ies). The Death Benefit is the then-current Contract Value on the date we receive due proof of death and all of our required forms fully completed. |
|
None |
|
There is no guaranteed minimum death benefit. We will not pay any Beneficiary until we have determined the number of Beneficiaries entitled to receive payment. Any advisory fees you pay from the Contract to a third-party investment advisory firm will be treated as a withdrawal and, like any other withdrawal, will reduce the Contract Value and Death Benefit. |
| Automatic Annuity Builder |
|
Allows for periodic, pre‑authorized Purchase Payments from a checking or savings account, or a Fidelity Investments brokerage account. |
|
None |
|
Minimum transfer amount is $100. We reserve the right to restrict participation if there is insufficient funds to complete a transfer. |
| Dollar Cost Averaging |
|
Allows for automatic monthly Exchanges from one of two Subaccounts (the Source Options) to any other Subaccount (the Destination Option). |
|
None |
|
Minimum transfer amount is $250. May not be used at the same time as Automatic Rebalancing. We reserve the right to modify or terminate this benefit. |
| Automatic Rebalancing |
|
Helps to maintain a specified allocation mix among Subaccounts. |
|
None |
|
May not be used at the same time as Dollar Cost Averaging. We reserve the right to modify or terminate this benefit. |
| Systematic Withdrawal Program |
|
Allows for periodic withdrawals of at least $100 on a monthly, quarterly, semi-annual, or annual basis. |
|
None |
|
Contract Value must be at least $10,000 to begin this program. We reserve the right to modify or terminate this benefit. |
|
|
| Benefits Description [Table Text Block] |
What are the different options for receiving the Death Benefit? Listed below are the settlement options that EFILI makes available to receive the Death Benefit. The settlement options available are driven primarily by federal tax law that the Contract must comply with to qualify as an annuity for tax purposes.
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| Settlement Option |
|
Description |
|
Beneficiary Restrictions |
| 5 Year Distribution |
|
Entire interest in the Contract must be withdrawn no later than five years from the date of death. In the event state escheatment laws require escheatment to the state before five years from the date of death, a Beneficiary may not have the full five-year distribution period to withdraw the Contract Value as described in the Contract. See 10(f). Abandoned Property. |
|
No restrictions |
| Annuitization |
|
Entire interest in the Contract is payable over the Beneficiary’s or surviving Owner’s lifetime by electing annuitization within 60 days of the date of death, with distributions beginning within one year of the date of death. A Beneficiary who elects this option gives up future access to the Contract Value in exchange for a guaranteed stream of income. |
|
Beneficiary must be a natural person |
|
|
|
|
|
| Settlement Option |
|
Description |
|
Beneficiary Restrictions |
| Stretch Benefit |
|
Entire interest in the Contract is paid over a period not extending beyond the Beneficiary’s life expectancy in systematic withdrawals with distributions beginning within one year of the date of death. Under this option the Beneficiary cannot make ad hoc partial withdrawals but can make a complete withdrawal of the remaining Contract Value at any time. |
|
Beneficiary must be: (i). a natural person and (ii). not a spouse of the deceased Owner |
| Continuation of Contract |
|
Continue the Contract, or their portion of the Contract, as the Owner. Will be treated as having been the sole Owner from the Contract Date, except that he or she will not be able to add a second Owner. Will be able to change the Annuity Date to a date as late as the first day of the calendar month following his or her 90th birthday. |
|
Beneficiary must be spouse of deceased Owner Federal tax law does not allow a civil union partner to continue the Contract as his or her own. |
|
|
| Operation of Benefit [Text Block] |
Death Benefit: What is the Death Benefit? The Death Benefit is a benefit that is triggered if any Owner dies before the Annuity Date. The Death Benefit is the then-current Contract Value on the date we receive due proof of death and all of our required forms fully completed. If the Contract is owned by a trust, then the death of an Annuitant is treated as the death of an Owner. In the event of the death of an Owner who is also an Annuitant, the provisions of the Contract regarding the death of the Owner control and override any inconsistent provisions regarding the death of the Annuitant. The Death Benefit is included in your Contract for no additional charge. The Contract does not guarantee a minimum Death Benefit. Any advisory fees you pay from the Contract to a third-party investment advisory firm will be treated as a withdrawal and, like any other withdrawal, will reduce the Contract Value and Death Benefit and may be subject to federal and state income taxes and a 10% federal penalty tax. Who has the right to the Death Benefit? The Beneficiary(ies) designated in the Contract has the right to the Death Benefit. The Beneficiary(ies) is the person(s) to whom proceeds of the Contract pass by reason of the death of the Owner(s) (or Annuitant in the case of a trust owned contract). If a Contract has two Owners and one Owner dies before the Annuity Date, the surviving Owner is treated as the Beneficiary over any other Beneficiaries. If the Owner(s) fails to designate a Beneficiary prior to death, in most cases the estate will be deemed the Beneficiary, in which case the Death Benefit must be administered through the probate process. What are the different options for receiving the Death Benefit? Listed below are the settlement options that EFILI makes available to receive the Death Benefit. The settlement options available are driven primarily by federal tax law that the Contract must comply with to qualify as an annuity for tax purposes.
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|
|
|
|
| Settlement Option |
|
Description |
|
Beneficiary Restrictions |
| 5 Year Distribution |
|
Entire interest in the Contract must be withdrawn no later than five years from the date of death. In the event state escheatment laws require escheatment to the state before five years from the date of death, a Beneficiary may not have the full five-year distribution period to withdraw the Contract Value as described in the Contract. See 10(f). Abandoned Property. |
|
No restrictions |
| Annuitization |
|
Entire interest in the Contract is payable over the Beneficiary’s or surviving Owner’s lifetime by electing annuitization within 60 days of the date of death, with distributions beginning within one year of the date of death. A Beneficiary who elects this option gives up future access to the Contract Value in exchange for a guaranteed stream of income. |
|
Beneficiary must be a natural person |
|
|
|
|
|
| Settlement Option |
|
Description |
|
Beneficiary Restrictions |
| Stretch Benefit |
|
Entire interest in the Contract is paid over a period not extending beyond the Beneficiary’s life expectancy in systematic withdrawals with distributions beginning within one year of the date of death. Under this option the Beneficiary cannot make ad hoc partial withdrawals but can make a complete withdrawal of the remaining Contract Value at any time. |
|
Beneficiary must be: (i). a natural person and (ii). not a spouse of the deceased Owner |
| Continuation of Contract |
|
Continue the Contract, or their portion of the Contract, as the Owner. Will be treated as having been the sole Owner from the Contract Date, except that he or she will not be able to add a second Owner. Will be able to change the Annuity Date to a date as late as the first day of the calendar month following his or her 90th birthday. |
|
Beneficiary must be spouse of deceased Owner Federal tax law does not allow a civil union partner to continue the Contract as his or her own. | How are Beneficiaries designated in the Contract? The Owner(s) designate(s) a Beneficiary or Beneficiaries in the application and can change Beneficiaries prior to death. Owner(s) must indicate in percentages what portion of the Contract each Beneficiary is to receive. If the total does not equal 100%, each Beneficiary’s share will be determined by using a fraction, the numerator of which is the stated percentage for that Beneficiary, and the denominator of which is the total of the percentages indicated by the Owner(s). Beneficiary designations must be in a form acceptable to us. We reserve the right to reject any Beneficiary designation that we deem unable to administer, which may include designations that contain contingencies that could delay payment or designations that would require us to refer to external documents or the outcome of legal proceedings. What is the process for claiming the Death Benefit? Before we make a payment to any Beneficiary, we must receive at our Annuity Service Center due proof of death (generally a death certificate) for each Owner and any required tax withholding and other forms. We may seek to obtain a death certificate directly from the appropriate governmental body if we believe that any Owner may have died. At the close of the Valuation Period in which we receive the death certificate(s), we will transfer to the Government Money Market Subaccount any portion of the Contract Value that is in the other Subaccounts. Once we have determined the number of Beneficiaries who will share in the Contract Value, a Beneficiary who has returned all required documentation to us (including tax withholding and other forms) will be able to transfer his or her share of the Contract Value among the Subaccounts. We will not pay any Beneficiary until we have determined the number of Beneficiaries entitled to receive payment. This is to prevent us from overpaying one Beneficiary before making payment to other Beneficiaries. Once we have received due proof of death and have determined the number of Beneficiaries to be paid, we will, upon request, pay any Beneficiary who has provided us with required tax withholding and/or any other forms we may require. Upon paying a Beneficiary their entire interest in the Contract, we will have no further obligations to that Beneficiary. If the Contract Value for any one Beneficiary is less than $5,000, then we will send that Beneficiary their entire portion of the Contract Value as soon as we have received all required documentation. If a Beneficiary has been designated to receive a specified fraction of the Contract Value, we will pay that fraction as determined on the date of payment. For example, if there are two Beneficiaries and each is designated to receive 50%, the first Beneficiary to receive payment would receive 50% of the Contract Value on the date the payment is made, and the other Beneficiary would later receive the remainder, which might be worth more or less than what was paid to the first Beneficiary. If a Beneficiary survives all the Owners but does not live long enough to receive payment from us, we will pay the Beneficiary’s estate.
|
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| Item 17. Investment Options [Line Items] |
|
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| Investment Options (N-4) [Text Block] |
APPENDIX A: FUNDS AVAILABLE UNDER THE CONTRACT The following is a list of Funds available under the Contract. More information about the Funds is available in the prospectuses for the Funds, which may be amended from time to time and can be found online at www.dfinview.com/Fidelity/PUFT/PRA. You can also request this information at no cost by calling 1‑800‑634‑9361 or by sending an email request to filifunddocuments@fidelity.com. The current expenses and performance information below reflects fees and expenses of the Funds, but do not reflect the other fees and expenses that your Contract may charge or any advisory fees that you may pay to a third-party investment advisory firm from the Contract. Expenses would be higher and performance would be lower if these other charges were included. Each Fund’s past performance is not necessarily an indication of future performance.
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| Investment Objective |
|
Fund & Adviser/Subadviser |
|
Current Expenses |
|
Average Annual Total Returns (as of 12/31/25) |
| |
1 year |
|
5 year |
|
10 year |
| Seeks high total investment return |
|
BlackRock Global Allocation V.I. Fund Adviser: BlackRock Advisors, LLC Subadviser: BlackRock (Singapore) Limited and BlackRock International Limited |
|
0.91%* |
|
19.53% |
|
5.62% |
|
7.42% |
| Seeks to obtain high total return with reduced risk over the long-term by allocating its assets among stocks, bonds, and short-term instruments |
|
Fidelity® Variable Insurance Product (“VIP”) Asset Manager 50% Portfolio Adviser: Fidelity Management & Research Company LLC |
|
0.59%* |
|
14.90% |
|
5.59% |
|
7.05% |
| Seeks to maximize total return by allocating its assets among stocks, bonds, short-term instruments, and other investments |
|
Fidelity® VIP Asset Manager 70% Portfolio Adviser: Fidelity Management & Research Company LLC |
|
0.69%* |
|
18.17% |
|
7.55% |
|
8.78% |
| Seeks income and capital growth consistent with reasonable risk |
|
Fidelity® VIP Balanced Portfolio Adviser: Fidelity Management & Research Company LLC |
|
0.49% |
|
15.16% |
|
9.43% |
|
11.04% |
| Seeks to provide investment results that correspond to the aggregate price and interest performance of the debt securities in the Bloomberg Barclays U.S. Aggregate Bond Index |
|
Fidelity® VIP Bond Index Portfolio Adviser: Fidelity Management & Research Company LLC |
|
0.14% |
|
6.98% |
|
-0.57% |
|
— |
| Seeks capital appreciation |
|
Fidelity® VIP Communication Services Portfolio Adviser: Fidelity Management & Research Company LLC |
|
0.68% |
|
34.29% |
|
15.11% |
|
15.71% |
|
|
|
|
|
|
|
|
|
|
|
| Investment Objective |
|
Fund & Adviser/Subadviser |
|
Current Expenses |
|
Average Annual Total Returns (as of 12/31/25) |
| |
1 year |
|
5 year |
|
10 year |
| Seeks capital appreciation |
|
Fidelity® VIP Consumer Discretionary Portfolio Adviser: Fidelity Management & Research Company LLC |
|
0.69% |
|
6.73% |
|
8.02% |
|
12.42% |
| Seeks capital appreciation |
|
Fidelity® VIP Consumer Staples Portfolio Adviser: Fidelity Management & Research Company LLC |
|
0.69% |
|
-3.04% |
|
3.62% |
|
5.79% |
| Seeks long-term capital appreciation |
|
Fidelity® VIP Contrafund® Portfolio Adviser: Fidelity Management & Research Company LLC |
|
0.61% |
|
21.43% |
|
15.28% |
|
15.69% |
| Seeks capital appreciation |
|
Fidelity® VIP Disciplined Small Cap Portfolio Adviser: Fidelity Management & Research Company LLC |
|
0.40% |
|
17.28% |
|
10.29% |
|
10.51% |
| Seeks capital appreciation |
|
Fidelity® VIP Dynamic Capital Appreciation Portfolio Adviser: Fidelity Management & Research Company LLC |
|
0.81% |
|
18.72% |
|
13.58% |
|
14.78% |
| Seeks capital appreciation |
|
Fidelity® VIP Emerging Markets Portfolio Adviser: Fidelity Management & Research Company LLC |
|
0.94% |
|
41.06% |
|
5.79% |
|
10.84% |
| Seeks capital appreciation |
|
Fidelity® VIP Energy Portfolio Adviser: Fidelity Management & Research Company LLC |
|
0.68% |
|
10.49% |
|
24.08% |
|
7.87% |
| Seeks reasonable income while also considering the potential for capital appreciation. The fund’s goal is to achieve a yield which exceeds the composite yield on the securities comprising the S&P 500® Index |
|
Fidelity® VIP Equity-Income Portfolio Adviser: Fidelity Management & Research Company LLC |
|
0.53% |
|
18.94% |
|
12.44% |
|
11.51% |
| Seeks to provide investment results that correspond to the total return of stocks of mid‑ to small‑capitalization U.S. companies |
|
Fidelity® VIP Extended Market Index Portfolio Adviser: Fidelity Management & Research Company LLC Principal Subadviser: Geode Capital Management, LLC |
|
0.12% |
|
12.32% |
|
8.02% |
|
— |
|
|
|
|
|
|
|
|
|
|
|
| Investment Objective |
|
Fund & Adviser/Subadviser |
|
Current Expenses |
|
Average Annual Total Returns (as of 12/31/25) |
| |
1 year |
|
5 year |
|
10 year |
| Seeks capital appreciation |
|
Fidelity® VIP Financials Portfolio Adviser: Fidelity Management & Research Company LLC |
|
0.68% |
|
15.08% |
|
16.38% |
|
13.31% |
| Seeks a high level of current income |
|
Fidelity® VIP Floating Rate High Income Portfolio Adviser: Fidelity Management & Research Company LLC |
|
0.76% |
|
5.23% |
|
6.00% |
|
5.40% |
| Seeks high current income and, as a secondary objective, capital appreciation |
|
Fidelity® VIP FundsManager® 20% Portfolio Adviser: Fidelity Management & Research Company LLC |
|
0.47%* |
|
9.14% |
|
3.14% |
|
4.23% |
| Seeks high current income and, as a secondary objective, capital appreciation |
|
Fidelity® VIP FundsManager® 30% Portfolio Adviser: Fidelity Management & Research Company LLC |
|
0.54%* |
|
10.86% |
|
— |
|
— |
| Seeks current income as well as total return. The fund also considers the potential for capital appreciation |
|
Fidelity® VIP FundsManager® 40% Portfolio Adviser: Fidelity Management & Research Company LLC |
|
0.57%* |
|
12.40% |
|
— |
|
— |
| Seeks high total return |
|
Fidelity® VIP FundsManager® 50% Portfolio Adviser: Fidelity Management & Research Company LLC |
|
0.59%* |
|
14.13% |
|
5.78% |
|
7.24% |
| Seeks high total return |
|
Fidelity® VIP FundsManager® 60% Portfolio Adviser: Fidelity Management & Research Company LLC |
|
0.63%* |
|
15.71% |
|
6.67% |
|
8.19% |
| Seeks high total return |
|
Fidelity® VIP FundsManager® 70% Portfolio Adviser: Fidelity Management & Research Company LLC |
|
0.65%* |
|
17.12% |
|
7.74% |
|
9.12% |
| Seeks high total return |
|
Fidelity® VIP FundsManager® 85% Portfolio Adviser: Fidelity Management & Research Company LLC |
|
0.68%* |
|
19.46% |
|
9.10% |
|
10.51% |
| Seeks as high a level of current income as is consistent with preservation of capital and liquidity |
|
Fidelity® VIP Government Money Market Portfolio Adviser: Fidelity Management & Research Company LLC |
|
0.28% |
|
4.10% |
|
3.08% |
|
2.01% |
|
|
|
|
|
|
|
|
|
|
|
| Investment Objective |
|
Fund & Adviser/Subadviser |
|
Current Expenses |
|
Average Annual Total Returns (as of 12/31/25) |
| |
1 year |
|
5 year |
|
10 year |
| Seeks to achieve capital appreciation |
|
Fidelity® VIP Growth Portfolio Adviser: Fidelity Management & Research Company LLC |
|
0.62% |
|
14.84% |
|
13.62% |
|
17.36% |
| Seeks high total return through a combination of current income and capital appreciation |
|
Fidelity® VIP Growth & Income Portfolio Adviser: Fidelity Management & Research Company LLC |
|
0.55% |
|
21.39% |
|
16.02% |
|
13.75% |
| Seeks to provide capital growth |
|
Fidelity® VIP Growth Opportunities Portfolio Adviser: Fidelity Management & Research Company LLC |
|
0.64% |
|
21.93% |
|
11.23% |
|
19.85% |
| Seeks capital appreciation |
|
Fidelity® VIP Health Care Portfolio Adviser: Fidelity Management & Research Company LLC |
|
0.67% |
|
14.27% |
|
4.10% |
|
8.66% |
| Seeks capital appreciation |
|
Fidelity® VIP Hedged Equity Portfolio Adviser: Fidelity Diversifying Solutions LLC |
|
0.56%* |
|
— |
|
— |
|
— |
| Seeks a high level of current income, while also considering growth of capital |
|
Fidelity® VIP High Income Portfolio Adviser: Fidelity Management & Research Company LLC |
|
0.85%* |
|
10.45% |
|
4.24% |
|
5.57% |
| Seeks investment results that correspond to the total return of common stocks publicly traded in the United States, as represented by the S&P 500® Index |
|
Fidelity® VIP Index 500 Portfolio Adviser: Fidelity Management & Research Company LLC Principal Subadviser: Geode Capital Management, LLC |
|
0.09% |
|
17.78% |
|
14.31% |
|
14.70% |
| Seeks capital appreciation |
|
Fidelity® VIP Industrials Portfolio Adviser: Fidelity Management & Research Company LLC |
|
0.68% |
|
24.42% |
|
14.70% |
|
12.89% |
| Seeks capital appreciation |
|
Fidelity® VIP International Capital Appreciation Portfolio Adviser: Fidelity Management & Research Company LLC |
|
0.85% |
|
18.56% |
|
6.16% |
|
9.72% |
| Seeks to provide investment results that correspond to the total return of foreign developed and emerging stock markets |
|
Fidelity® VIP International Index Portfolio Adviser: Fidelity Management & Research Company LLC Principal Subadviser: Geode Capital Management, LLC |
|
0.16% |
|
33.15% |
|
8.02% |
|
— |
|
|
|
|
|
|
|
|
|
|
|
| Investment Objective |
|
Fund & Adviser/Subadviser |
|
Current Expenses |
|
Average Annual Total Returns (as of 12/31/25) |
| |
1 year |
|
5 year |
|
10 year |
| Seeks as high a level of current income as is consistent with the preservation of capital |
|
Fidelity® VIP Investment Grade Bond Portfolio Adviser: Fidelity Management & Research Company LLC |
|
0.41% |
|
7.22% |
|
0.02% |
|
2.68% |
| Seeks high total return with a secondary objective of principal preservation as the fund approaches its target date and beyond |
|
Fidelity® VIP Investor FreedomSM 2010 Portfolio Adviser: Fidelity Management & Research Company LLC |
|
0.42% |
|
10.57% |
|
3.11% |
|
5.68% |
| Seeks high total return with a secondary objective of principal preservation as the fund approaches its target date and beyond |
|
Fidelity® VIP Investor FreedomSM 2015 Portfolio Adviser: Fidelity Management & Research Company LLC |
|
0.45% |
|
11.87% |
|
3.95% |
|
6.55% |
| Seeks high total return with a secondary objective of principal preservation as the fund approaches its target date and beyond |
|
Fidelity® VIP Investor FreedomSM 2020 Portfolio Adviser: Fidelity Management & Research Company LLC |
|
0.49% |
|
13.29% |
|
4.79% |
|
7.33% |
| Seeks high total return with a secondary objective of principal preservation as the fund approaches its target date and beyond |
|
Fidelity® VIP Investor FreedomSM 2025 Portfolio Adviser: Fidelity Management & Research Company LLC |
|
0.51% |
|
14.44% |
|
5.46% |
|
7.95% |
| Seeks high total return with a secondary objective of principal preservation as the fund approaches its target date and beyond |
|
Fidelity® VIP Investor FreedomSM 2030 Portfolio Adviser: Fidelity Management & Research Company LLC |
|
0.54% |
|
15.37% |
|
6.18% |
|
8.81% |
| Seeks high total return with a secondary objective of principal preservation as the fund approaches its target date and beyond |
|
Fidelity® VIP Investor FreedomSM 2035 Portfolio Adviser: Fidelity Management & Research Company LLC |
|
0.58% |
|
16.61% |
|
— |
|
— |
| Seeks high total return with a secondary objective of principal preservation as the fund approaches its target date and beyond |
|
Fidelity® VIP Investor FreedomSM 2040 Portfolio Adviser: Fidelity Management & Research Company LLC |
|
0.63% |
|
18.69% |
|
— |
|
— |
| Seeks high total return with a secondary objective of principal preservation as the fund approaches its target date and beyond |
|
Fidelity® VIP Investor FreedomSM 2045 Portfolio Adviser: Fidelity Management & Research Company LLC |
|
0.67% |
|
19.69% |
|
— |
|
— |
|
|
|
|
|
|
|
|
|
|
|
| Investment Objective |
|
Fund & Adviser/Subadviser |
|
Current Expenses |
|
Average Annual Total Returns (as of 12/31/25) |
| |
1 year |
|
5 year |
|
10 year |
| Seeks high total return with a secondary objective of principal preservation as the fund approaches its target date and beyond |
|
Fidelity® VIP Investor FreedomSM 2050 Portfolio Adviser: Fidelity Management & Research Company LLC |
|
0.67% |
|
19.73% |
|
— |
|
— |
| Seeks high total return with a secondary objective of principal preservation |
|
Fidelity® VIP Investor Freedom RetirementSM Portfolio† Adviser: Fidelity Management & Research Company LLC |
|
0.39% |
|
9.63% |
|
2.31% |
|
4.40% |
| Seeks capital appreciation |
|
Fidelity® VIP Materials Portfolio Adviser: Fidelity Management & Research Company LLC |
|
0.76% |
|
11.24% |
|
6.98% |
|
7.59% |
| Seeks long-term growth of capital |
|
Fidelity® VIP Mid Cap Portfolio Adviser: Fidelity Management & Research Company LLC |
|
0.63% |
|
11.68% |
|
10.02% |
|
10.50% |
| Seeks long-term growth of capital |
|
Fidelity® VIP Overseas Portfolio Adviser: Fidelity Management & Research Company LLC |
|
0.80% |
|
20.32% |
|
6.54% |
|
7.85% |
| Seeks above average income and long-term capital growth, consistent with reasonable investment risk. The fund seeks to provide a yield that exceeds the composite yield of the S&P 500® Index |
|
Fidelity® VIP Real Estate Portfolio Adviser: Fidelity Management & Research Company LLC |
|
0.68% |
|
3.06% |
|
4.15% |
|
3.79% |
| Seeks a high level of current income. The fund may also seek capital appreciation |
|
Fidelity® VIP Strategic Income Portfolio Adviser: Fidelity Management & Research Company LLC |
|
0.67% |
|
8.82% |
|
3.02% |
|
4.62% |
| Seeks capital appreciation |
|
Fidelity® VIP Technology Portfolio Adviser: Fidelity Management & Research Company LLC |
|
0.64% |
|
23.28% |
|
16.75% |
|
23.67% |
| Seeks to provide investment results that correspond to the total return of a broad range of U.S. stocks |
|
Fidelity® VIP Total Market Index Portfolio Adviser: Fidelity Management & Research Company LLC Principal Subadviser: Geode Capital Management, LLC |
|
0.11% |
|
17.11% |
|
13.14% |
|
— |
|
|
|
|
|
|
|
|
|
|
|
| Investment Objective |
|
Fund & Adviser/Subadviser |
|
Current Expenses |
|
Average Annual Total Returns (as of 12/31/25) |
| |
1 year |
|
5 year |
|
10 year |
| Seeks capital appreciation |
|
Fidelity® VIP Utilities Portfolio Adviser: Fidelity Management & Research Company LLC |
|
0.68% |
|
14.03% |
|
12.43% |
|
12.42% |
| Seeks capital appreciation |
|
Fidelity® VIP Value Portfolio Adviser: Fidelity Management & Research Company LLC |
|
0.68% |
|
11.16% |
|
13.02% |
|
11.15% |
| Seeks capital appreciation |
|
Fidelity® VIP Value Strategies Portfolio Adviser: Fidelity Management & Research Company LLC |
|
0.66% |
|
7.89% |
|
12.06% |
|
10.74% |
| Seeks income |
|
Franklin U.S. Government Securities VIP Fund Adviser: Franklin Advisers, Inc. |
|
0.79% |
|
6.69% |
|
0.02% |
|
1.14% |
| Seeks capital appreciation |
|
Invesco V.I. Global Fund Adviser: Invesco Advisers, Inc. |
|
0.81% |
|
15.32% |
|
7.28% |
|
11.00% |
| Seeks long-term capital appreciation |
|
Lazard Retirement Emerging Markets Equity Portfolio Adviser: Lazard Asset Management LLC |
|
1.13%* |
|
42.12% |
|
11.04% |
|
9.63% |
| Seeks high total return by investing primarily in fixed income securities of government and government-related issuers and, to a lesser extent, of corporate issuers in emerging market countries |
|
Morgan Stanley Variable Insurance Fund, Inc. (“Morgan Stanley”) Emerging Markets Debt Portfolio Adviser: Morgan Stanley Investment Management Inc. |
|
1.10%* |
|
15.33% |
|
2.70% |
|
4.51% |
| Seeks long-term capital appreciation by investing primarily in growth-oriented equity securities of issuers in emerging market countries |
|
Morgan Stanley Emerging Markets Equity Portfolio Adviser: Morgan Stanley Investment Management Inc. |
|
1.25%* |
|
32.96% |
|
4.37% |
|
7.27% |
| Seeks total return |
|
Morgan Stanley Global Strategist Portfolio Adviser: Morgan Stanley Investment Management Inc. |
|
0.90%* |
|
17.40% |
|
5.31% |
|
6.85% |
|
|
|
|
|
|
|
|
|
|
|
| Investment Objective |
|
Fund & Adviser/Subadviser |
|
Current Expenses |
|
Average Annual Total Returns (as of 12/31/25) |
| |
1 year |
|
5 year |
|
10 year |
| Seeks maximum real return, consistent with prudent investment management |
|
PIMCO Variable Insurance Trust (“VIT”) CommodityRealReturn® Strategy Portfolio Adviser: Pacific Investment Management Company LLC |
|
3.19%* |
|
18.79% |
|
10.55% |
|
6.54% |
| Seeks maximum total return, consistent with preservation of capital and prudent investment management |
|
PIMCO VIT Low Duration Portfolio Adviser: Pacific Investment Management Company LLC |
|
0.66% |
|
5.52% |
|
1.57% |
|
1.79% |
| Seeks maximum real return, consistent with preservation of real capital and prudent investment management |
|
PIMCO VIT Real Return Portfolio Adviser: Pacific Investment Management Company LLC |
|
1.39% |
|
7.85% |
|
1.21% |
|
3.21% |
| Seeks maximum total return, consistent with preservation of capital and prudent investment management |
|
PIMCO VIT Total Return Portfolio Adviser: Pacific Investment Management Company LLC |
|
0.73% |
|
8.89% |
|
0.02% |
|
2.36% |
| Seeks high current income, consistent with preservation of capital, with capital appreciation as a secondary consideration |
|
Templeton Global Bond VIP Fund Adviser: Franklin Advisers, Inc. |
|
0.75%* |
|
15.73% |
|
-0.96% |
|
-0.15% | Each Fidelity Subaccount invests in Investor Class shares of each Fund except for the VIP Index 500 Portfolio, VIP Bond Index Portfolio, VIP Extended Market Index Portfolio, VIP International Index Portfolio and VIP Total Market Index Portfolio which invest in Initial Class shares of each Fund.
| * |
This Fund’s current expenses reflect temporary fee reductions. See the Fund’s prospectus for additional information. |
| † |
Prior to April 30, 2026, the fund was named Fidelity® VIP Investor Freedom Income Portfolio. |
|
|
| Variable Option [Line Items] |
|
|
| Prospectuses Available [Text Block] |
The following is a list of Funds available under the Contract. More information about the Funds is available in the prospectuses for the Funds, which may be amended from time to time and can be found online at www.dfinview.com/Fidelity/PUFT/PRA. You can also request this information at no cost by calling 1‑800‑634‑9361 or by sending an email request to filifunddocuments@fidelity.com. The current expenses and performance information below reflects fees and expenses of the Funds, but do not reflect the other fees and expenses that your Contract may charge or any advisory fees that you may pay to a third-party investment advisory firm from the Contract. Expenses would be higher and performance would be lower if these other charges were included. Each Fund’s past performance is not necessarily an indication of future performance.
|
|
| Portfolio Companies [Table Text Block] |
|
|
|
|
|
|
|
|
|
|
|
| Investment Objective |
|
Fund & Adviser/Subadviser |
|
Current Expenses |
|
Average Annual Total Returns (as of 12/31/25) |
| |
1 year |
|
5 year |
|
10 year |
| Seeks high total investment return |
|
BlackRock Global Allocation V.I. Fund Adviser: BlackRock Advisors, LLC Subadviser: BlackRock (Singapore) Limited and BlackRock International Limited |
|
0.91%* |
|
19.53% |
|
5.62% |
|
7.42% |
| Seeks to obtain high total return with reduced risk over the long-term by allocating its assets among stocks, bonds, and short-term instruments |
|
Fidelity® Variable Insurance Product (“VIP”) Asset Manager 50% Portfolio Adviser: Fidelity Management & Research Company LLC |
|
0.59%* |
|
14.90% |
|
5.59% |
|
7.05% |
| Seeks to maximize total return by allocating its assets among stocks, bonds, short-term instruments, and other investments |
|
Fidelity® VIP Asset Manager 70% Portfolio Adviser: Fidelity Management & Research Company LLC |
|
0.69%* |
|
18.17% |
|
7.55% |
|
8.78% |
| Seeks income and capital growth consistent with reasonable risk |
|
Fidelity® VIP Balanced Portfolio Adviser: Fidelity Management & Research Company LLC |
|
0.49% |
|
15.16% |
|
9.43% |
|
11.04% |
| Seeks to provide investment results that correspond to the aggregate price and interest performance of the debt securities in the Bloomberg Barclays U.S. Aggregate Bond Index |
|
Fidelity® VIP Bond Index Portfolio Adviser: Fidelity Management & Research Company LLC |
|
0.14% |
|
6.98% |
|
-0.57% |
|
— |
| Seeks capital appreciation |
|
Fidelity® VIP Communication Services Portfolio Adviser: Fidelity Management & Research Company LLC |
|
0.68% |
|
34.29% |
|
15.11% |
|
15.71% |
|
|
|
|
|
|
|
|
|
|
|
| Investment Objective |
|
Fund & Adviser/Subadviser |
|
Current Expenses |
|
Average Annual Total Returns (as of 12/31/25) |
| |
1 year |
|
5 year |
|
10 year |
| Seeks capital appreciation |
|
Fidelity® VIP Consumer Discretionary Portfolio Adviser: Fidelity Management & Research Company LLC |
|
0.69% |
|
6.73% |
|
8.02% |
|
12.42% |
| Seeks capital appreciation |
|
Fidelity® VIP Consumer Staples Portfolio Adviser: Fidelity Management & Research Company LLC |
|
0.69% |
|
-3.04% |
|
3.62% |
|
5.79% |
| Seeks long-term capital appreciation |
|
Fidelity® VIP Contrafund® Portfolio Adviser: Fidelity Management & Research Company LLC |
|
0.61% |
|
21.43% |
|
15.28% |
|
15.69% |
| Seeks capital appreciation |
|
Fidelity® VIP Disciplined Small Cap Portfolio Adviser: Fidelity Management & Research Company LLC |
|
0.40% |
|
17.28% |
|
10.29% |
|
10.51% |
| Seeks capital appreciation |
|
Fidelity® VIP Dynamic Capital Appreciation Portfolio Adviser: Fidelity Management & Research Company LLC |
|
0.81% |
|
18.72% |
|
13.58% |
|
14.78% |
| Seeks capital appreciation |
|
Fidelity® VIP Emerging Markets Portfolio Adviser: Fidelity Management & Research Company LLC |
|
0.94% |
|
41.06% |
|
5.79% |
|
10.84% |
| Seeks capital appreciation |
|
Fidelity® VIP Energy Portfolio Adviser: Fidelity Management & Research Company LLC |
|
0.68% |
|
10.49% |
|
24.08% |
|
7.87% |
| Seeks reasonable income while also considering the potential for capital appreciation. The fund’s goal is to achieve a yield which exceeds the composite yield on the securities comprising the S&P 500® Index |
|
Fidelity® VIP Equity-Income Portfolio Adviser: Fidelity Management & Research Company LLC |
|
0.53% |
|
18.94% |
|
12.44% |
|
11.51% |
| Seeks to provide investment results that correspond to the total return of stocks of mid‑ to small‑capitalization U.S. companies |
|
Fidelity® VIP Extended Market Index Portfolio Adviser: Fidelity Management & Research Company LLC Principal Subadviser: Geode Capital Management, LLC |
|
0.12% |
|
12.32% |
|
8.02% |
|
— |
|
|
|
|
|
|
|
|
|
|
|
| Investment Objective |
|
Fund & Adviser/Subadviser |
|
Current Expenses |
|
Average Annual Total Returns (as of 12/31/25) |
| |
1 year |
|
5 year |
|
10 year |
| Seeks capital appreciation |
|
Fidelity® VIP Financials Portfolio Adviser: Fidelity Management & Research Company LLC |
|
0.68% |
|
15.08% |
|
16.38% |
|
13.31% |
| Seeks a high level of current income |
|
Fidelity® VIP Floating Rate High Income Portfolio Adviser: Fidelity Management & Research Company LLC |
|
0.76% |
|
5.23% |
|
6.00% |
|
5.40% |
| Seeks high current income and, as a secondary objective, capital appreciation |
|
Fidelity® VIP FundsManager® 20% Portfolio Adviser: Fidelity Management & Research Company LLC |
|
0.47%* |
|
9.14% |
|
3.14% |
|
4.23% |
| Seeks high current income and, as a secondary objective, capital appreciation |
|
Fidelity® VIP FundsManager® 30% Portfolio Adviser: Fidelity Management & Research Company LLC |
|
0.54%* |
|
10.86% |
|
— |
|
— |
| Seeks current income as well as total return. The fund also considers the potential for capital appreciation |
|
Fidelity® VIP FundsManager® 40% Portfolio Adviser: Fidelity Management & Research Company LLC |
|
0.57%* |
|
12.40% |
|
— |
|
— |
| Seeks high total return |
|
Fidelity® VIP FundsManager® 50% Portfolio Adviser: Fidelity Management & Research Company LLC |
|
0.59%* |
|
14.13% |
|
5.78% |
|
7.24% |
| Seeks high total return |
|
Fidelity® VIP FundsManager® 60% Portfolio Adviser: Fidelity Management & Research Company LLC |
|
0.63%* |
|
15.71% |
|
6.67% |
|
8.19% |
| Seeks high total return |
|
Fidelity® VIP FundsManager® 70% Portfolio Adviser: Fidelity Management & Research Company LLC |
|
0.65%* |
|
17.12% |
|
7.74% |
|
9.12% |
| Seeks high total return |
|
Fidelity® VIP FundsManager® 85% Portfolio Adviser: Fidelity Management & Research Company LLC |
|
0.68%* |
|
19.46% |
|
9.10% |
|
10.51% |
| Seeks as high a level of current income as is consistent with preservation of capital and liquidity |
|
Fidelity® VIP Government Money Market Portfolio Adviser: Fidelity Management & Research Company LLC |
|
0.28% |
|
4.10% |
|
3.08% |
|
2.01% |
|
|
|
|
|
|
|
|
|
|
|
| Investment Objective |
|
Fund & Adviser/Subadviser |
|
Current Expenses |
|
Average Annual Total Returns (as of 12/31/25) |
| |
1 year |
|
5 year |
|
10 year |
| Seeks to achieve capital appreciation |
|
Fidelity® VIP Growth Portfolio Adviser: Fidelity Management & Research Company LLC |
|
0.62% |
|
14.84% |
|
13.62% |
|
17.36% |
| Seeks high total return through a combination of current income and capital appreciation |
|
Fidelity® VIP Growth & Income Portfolio Adviser: Fidelity Management & Research Company LLC |
|
0.55% |
|
21.39% |
|
16.02% |
|
13.75% |
| Seeks to provide capital growth |
|
Fidelity® VIP Growth Opportunities Portfolio Adviser: Fidelity Management & Research Company LLC |
|
0.64% |
|
21.93% |
|
11.23% |
|
19.85% |
| Seeks capital appreciation |
|
Fidelity® VIP Health Care Portfolio Adviser: Fidelity Management & Research Company LLC |
|
0.67% |
|
14.27% |
|
4.10% |
|
8.66% |
| Seeks capital appreciation |
|
Fidelity® VIP Hedged Equity Portfolio Adviser: Fidelity Diversifying Solutions LLC |
|
0.56%* |
|
— |
|
— |
|
— |
| Seeks a high level of current income, while also considering growth of capital |
|
Fidelity® VIP High Income Portfolio Adviser: Fidelity Management & Research Company LLC |
|
0.85%* |
|
10.45% |
|
4.24% |
|
5.57% |
| Seeks investment results that correspond to the total return of common stocks publicly traded in the United States, as represented by the S&P 500® Index |
|
Fidelity® VIP Index 500 Portfolio Adviser: Fidelity Management & Research Company LLC Principal Subadviser: Geode Capital Management, LLC |
|
0.09% |
|
17.78% |
|
14.31% |
|
14.70% |
| Seeks capital appreciation |
|
Fidelity® VIP Industrials Portfolio Adviser: Fidelity Management & Research Company LLC |
|
0.68% |
|
24.42% |
|
14.70% |
|
12.89% |
| Seeks capital appreciation |
|
Fidelity® VIP International Capital Appreciation Portfolio Adviser: Fidelity Management & Research Company LLC |
|
0.85% |
|
18.56% |
|
6.16% |
|
9.72% |
| Seeks to provide investment results that correspond to the total return of foreign developed and emerging stock markets |
|
Fidelity® VIP International Index Portfolio Adviser: Fidelity Management & Research Company LLC Principal Subadviser: Geode Capital Management, LLC |
|
0.16% |
|
33.15% |
|
8.02% |
|
— |
|
|
|
|
|
|
|
|
|
|
|
| Investment Objective |
|
Fund & Adviser/Subadviser |
|
Current Expenses |
|
Average Annual Total Returns (as of 12/31/25) |
| |
1 year |
|
5 year |
|
10 year |
| Seeks as high a level of current income as is consistent with the preservation of capital |
|
Fidelity® VIP Investment Grade Bond Portfolio Adviser: Fidelity Management & Research Company LLC |
|
0.41% |
|
7.22% |
|
0.02% |
|
2.68% |
| Seeks high total return with a secondary objective of principal preservation as the fund approaches its target date and beyond |
|
Fidelity® VIP Investor FreedomSM 2010 Portfolio Adviser: Fidelity Management & Research Company LLC |
|
0.42% |
|
10.57% |
|
3.11% |
|
5.68% |
| Seeks high total return with a secondary objective of principal preservation as the fund approaches its target date and beyond |
|
Fidelity® VIP Investor FreedomSM 2015 Portfolio Adviser: Fidelity Management & Research Company LLC |
|
0.45% |
|
11.87% |
|
3.95% |
|
6.55% |
| Seeks high total return with a secondary objective of principal preservation as the fund approaches its target date and beyond |
|
Fidelity® VIP Investor FreedomSM 2020 Portfolio Adviser: Fidelity Management & Research Company LLC |
|
0.49% |
|
13.29% |
|
4.79% |
|
7.33% |
| Seeks high total return with a secondary objective of principal preservation as the fund approaches its target date and beyond |
|
Fidelity® VIP Investor FreedomSM 2025 Portfolio Adviser: Fidelity Management & Research Company LLC |
|
0.51% |
|
14.44% |
|
5.46% |
|
7.95% |
| Seeks high total return with a secondary objective of principal preservation as the fund approaches its target date and beyond |
|
Fidelity® VIP Investor FreedomSM 2030 Portfolio Adviser: Fidelity Management & Research Company LLC |
|
0.54% |
|
15.37% |
|
6.18% |
|
8.81% |
| Seeks high total return with a secondary objective of principal preservation as the fund approaches its target date and beyond |
|
Fidelity® VIP Investor FreedomSM 2035 Portfolio Adviser: Fidelity Management & Research Company LLC |
|
0.58% |
|
16.61% |
|
— |
|
— |
| Seeks high total return with a secondary objective of principal preservation as the fund approaches its target date and beyond |
|
Fidelity® VIP Investor FreedomSM 2040 Portfolio Adviser: Fidelity Management & Research Company LLC |
|
0.63% |
|
18.69% |
|
— |
|
— |
| Seeks high total return with a secondary objective of principal preservation as the fund approaches its target date and beyond |
|
Fidelity® VIP Investor FreedomSM 2045 Portfolio Adviser: Fidelity Management & Research Company LLC |
|
0.67% |
|
19.69% |
|
— |
|
— |
|
|
|
|
|
|
|
|
|
|
|
| Investment Objective |
|
Fund & Adviser/Subadviser |
|
Current Expenses |
|
Average Annual Total Returns (as of 12/31/25) |
| |
1 year |
|
5 year |
|
10 year |
| Seeks high total return with a secondary objective of principal preservation as the fund approaches its target date and beyond |
|
Fidelity® VIP Investor FreedomSM 2050 Portfolio Adviser: Fidelity Management & Research Company LLC |
|
0.67% |
|
19.73% |
|
— |
|
— |
| Seeks high total return with a secondary objective of principal preservation |
|
Fidelity® VIP Investor Freedom RetirementSM Portfolio† Adviser: Fidelity Management & Research Company LLC |
|
0.39% |
|
9.63% |
|
2.31% |
|
4.40% |
| Seeks capital appreciation |
|
Fidelity® VIP Materials Portfolio Adviser: Fidelity Management & Research Company LLC |
|
0.76% |
|
11.24% |
|
6.98% |
|
7.59% |
| Seeks long-term growth of capital |
|
Fidelity® VIP Mid Cap Portfolio Adviser: Fidelity Management & Research Company LLC |
|
0.63% |
|
11.68% |
|
10.02% |
|
10.50% |
| Seeks long-term growth of capital |
|
Fidelity® VIP Overseas Portfolio Adviser: Fidelity Management & Research Company LLC |
|
0.80% |
|
20.32% |
|
6.54% |
|
7.85% |
| Seeks above average income and long-term capital growth, consistent with reasonable investment risk. The fund seeks to provide a yield that exceeds the composite yield of the S&P 500® Index |
|
Fidelity® VIP Real Estate Portfolio Adviser: Fidelity Management & Research Company LLC |
|
0.68% |
|
3.06% |
|
4.15% |
|
3.79% |
| Seeks a high level of current income. The fund may also seek capital appreciation |
|
Fidelity® VIP Strategic Income Portfolio Adviser: Fidelity Management & Research Company LLC |
|
0.67% |
|
8.82% |
|
3.02% |
|
4.62% |
| Seeks capital appreciation |
|
Fidelity® VIP Technology Portfolio Adviser: Fidelity Management & Research Company LLC |
|
0.64% |
|
23.28% |
|
16.75% |
|
23.67% |
| Seeks to provide investment results that correspond to the total return of a broad range of U.S. stocks |
|
Fidelity® VIP Total Market Index Portfolio Adviser: Fidelity Management & Research Company LLC Principal Subadviser: Geode Capital Management, LLC |
|
0.11% |
|
17.11% |
|
13.14% |
|
— |
|
|
|
|
|
|
|
|
|
|
|
| Investment Objective |
|
Fund & Adviser/Subadviser |
|
Current Expenses |
|
Average Annual Total Returns (as of 12/31/25) |
| |
1 year |
|
5 year |
|
10 year |
| Seeks capital appreciation |
|
Fidelity® VIP Utilities Portfolio Adviser: Fidelity Management & Research Company LLC |
|
0.68% |
|
14.03% |
|
12.43% |
|
12.42% |
| Seeks capital appreciation |
|
Fidelity® VIP Value Portfolio Adviser: Fidelity Management & Research Company LLC |
|
0.68% |
|
11.16% |
|
13.02% |
|
11.15% |
| Seeks capital appreciation |
|
Fidelity® VIP Value Strategies Portfolio Adviser: Fidelity Management & Research Company LLC |
|
0.66% |
|
7.89% |
|
12.06% |
|
10.74% |
| Seeks income |
|
Franklin U.S. Government Securities VIP Fund Adviser: Franklin Advisers, Inc. |
|
0.79% |
|
6.69% |
|
0.02% |
|
1.14% |
| Seeks capital appreciation |
|
Invesco V.I. Global Fund Adviser: Invesco Advisers, Inc. |
|
0.81% |
|
15.32% |
|
7.28% |
|
11.00% |
| Seeks long-term capital appreciation |
|
Lazard Retirement Emerging Markets Equity Portfolio Adviser: Lazard Asset Management LLC |
|
1.13%* |
|
42.12% |
|
11.04% |
|
9.63% |
| Seeks high total return by investing primarily in fixed income securities of government and government-related issuers and, to a lesser extent, of corporate issuers in emerging market countries |
|
Morgan Stanley Variable Insurance Fund, Inc. (“Morgan Stanley”) Emerging Markets Debt Portfolio Adviser: Morgan Stanley Investment Management Inc. |
|
1.10%* |
|
15.33% |
|
2.70% |
|
4.51% |
| Seeks long-term capital appreciation by investing primarily in growth-oriented equity securities of issuers in emerging market countries |
|
Morgan Stanley Emerging Markets Equity Portfolio Adviser: Morgan Stanley Investment Management Inc. |
|
1.25%* |
|
32.96% |
|
4.37% |
|
7.27% |
| Seeks total return |
|
Morgan Stanley Global Strategist Portfolio Adviser: Morgan Stanley Investment Management Inc. |
|
0.90%* |
|
17.40% |
|
5.31% |
|
6.85% |
|
|
|
|
|
|
|
|
|
|
|
| Investment Objective |
|
Fund & Adviser/Subadviser |
|
Current Expenses |
|
Average Annual Total Returns (as of 12/31/25) |
| |
1 year |
|
5 year |
|
10 year |
| Seeks maximum real return, consistent with prudent investment management |
|
PIMCO Variable Insurance Trust (“VIT”) CommodityRealReturn® Strategy Portfolio Adviser: Pacific Investment Management Company LLC |
|
3.19%* |
|
18.79% |
|
10.55% |
|
6.54% |
| Seeks maximum total return, consistent with preservation of capital and prudent investment management |
|
PIMCO VIT Low Duration Portfolio Adviser: Pacific Investment Management Company LLC |
|
0.66% |
|
5.52% |
|
1.57% |
|
1.79% |
| Seeks maximum real return, consistent with preservation of real capital and prudent investment management |
|
PIMCO VIT Real Return Portfolio Adviser: Pacific Investment Management Company LLC |
|
1.39% |
|
7.85% |
|
1.21% |
|
3.21% |
| Seeks maximum total return, consistent with preservation of capital and prudent investment management |
|
PIMCO VIT Total Return Portfolio Adviser: Pacific Investment Management Company LLC |
|
0.73% |
|
8.89% |
|
0.02% |
|
2.36% |
| Seeks high current income, consistent with preservation of capital, with capital appreciation as a secondary consideration |
|
Templeton Global Bond VIP Fund Adviser: Franklin Advisers, Inc. |
|
0.75%* |
|
15.73% |
|
-0.96% |
|
-0.15% | Each Fidelity Subaccount invests in Investor Class shares of each Fund except for the VIP Index 500 Portfolio, VIP Bond Index Portfolio, VIP Extended Market Index Portfolio, VIP International Index Portfolio and VIP Total Market Index Portfolio which invest in Initial Class shares of each Fund.
| * |
This Fund’s current expenses reflect temporary fee reductions. See the Fund’s prospectus for additional information. |
| † |
Prior to April 30, 2026, the fund was named Fidelity® VIP Investor Freedom Income Portfolio. |
|
|
| S000002887 [Member] |
|
|
| Variable Option [Line Items] |
|
|
| Portfolio Company Objective [Text Block] |
Seeks high total investment return
|
|
| Portfolio Company Name [Text Block] |
BlackRock Global Allocation V.I. Fund
|
|
| Portfolio Company Adviser [Text Block] |
BlackRock Advisors, LLC
|
|
| Portfolio Company Subadviser [Text Block] |
BlackRock (Singapore) Limited and BlackRock International Limited
|
|
| Current Expenses [Percent] |
0.91%
|
[7] |
| Average Annual Total Returns, 1 Year [Percent] |
19.53%
|
|
| Average Annual Total Returns, 5 Years [Percent] |
5.62%
|
|
| Average Annual Total Returns, 10 Years [Percent] |
7.42%
|
|
| S000017659 [Member] |
|
|
| Variable Option [Line Items] |
|
|
| Portfolio Company Objective [Text Block] |
Seeks to obtain high total returnwith reduced risk over the long-term by allocating its assetsamong stocks, bonds, andshort-term instruments
|
|
| Portfolio Company Name [Text Block] |
Fidelity® Variable Insurance Product (“VIP”) Asset Manager 50% Portfolio
|
|
| Portfolio Company Adviser [Text Block] |
Fidelity Management & Research Company LLC
|
|
| Current Expenses [Percent] |
0.59%
|
[7] |
| Average Annual Total Returns, 1 Year [Percent] |
14.90%
|
|
| Average Annual Total Returns, 5 Years [Percent] |
5.59%
|
|
| Average Annual Total Returns, 10 Years [Percent] |
7.05%
|
|
| S000017667 [Member] |
|
|
| Variable Option [Line Items] |
|
|
| Portfolio Company Objective [Text Block] |
Seeks to maximize total return by allocating its assets among stocks, bonds, short-term instruments, and other investments
|
|
| Portfolio Company Name [Text Block] |
Fidelity® VIP Asset Manager 70% Portfolio
|
|
| Portfolio Company Adviser [Text Block] |
Fidelity Management & Research Company LLC
|
|
| Current Expenses [Percent] |
0.69%
|
[7] |
| Average Annual Total Returns, 1 Year [Percent] |
18.17%
|
|
| Average Annual Total Returns, 5 Years [Percent] |
7.55%
|
|
| Average Annual Total Returns, 10 Years [Percent] |
8.78%
|
|
| S000007730 [Member] |
|
|
| Variable Option [Line Items] |
|
|
| Portfolio Company Objective [Text Block] |
Seeks income and capital growth consistent with reasonable risk
|
|
| Portfolio Company Name [Text Block] |
Fidelity® VIP Balanced Portfolio
|
|
| Portfolio Company Adviser [Text Block] |
Fidelity Management & Research Company LLC
|
|
| Current Expenses [Percent] |
0.49%
|
|
| Average Annual Total Returns, 1 Year [Percent] |
15.16%
|
|
| Average Annual Total Returns, 5 Years [Percent] |
9.43%
|
|
| Average Annual Total Returns, 10 Years [Percent] |
11.04%
|
|
| S000061711 [Member] |
|
|
| Variable Option [Line Items] |
|
|
| Portfolio Company Objective [Text Block] |
Seeks to provide investment results that correspond to the aggregate price and interest performance of the debt securities in the Bloomberg Barclays U.S. Aggregate Bond Index
|
|
| Portfolio Company Name [Text Block] |
Fidelity® VIP Bond Index Portfolio
|
|
| Portfolio Company Adviser [Text Block] |
Fidelity Management & Research Company LLC
|
|
| Current Expenses [Percent] |
0.14%
|
|
| Average Annual Total Returns, 1 Year [Percent] |
6.98%
|
|
| Average Annual Total Returns, 5 Years [Percent] |
(0.57%)
|
|
| Average Annual Total Returns, 10 Years [Percent] |
|
|
| S000016759 [Member] |
|
|
| Variable Option [Line Items] |
|
|
| Portfolio Company Objective [Text Block] |
Seeks capital appreciation
|
|
| Portfolio Company Name [Text Block] |
Fidelity® VIP Communication Services Portfolio
|
|
| Portfolio Company Adviser [Text Block] |
Fidelity Management & Research Company LLC
|
|
| Current Expenses [Percent] |
0.68%
|
|
| Average Annual Total Returns, 1 Year [Percent] |
34.29%
|
|
| Average Annual Total Returns, 5 Years [Percent] |
15.11%
|
|
| Average Annual Total Returns, 10 Years [Percent] |
15.71%
|
|
| S000007736 [Member] |
|
|
| Variable Option [Line Items] |
|
|
| Portfolio Company Objective [Text Block] |
Seeks capital appreciation
|
|
| Portfolio Company Name [Text Block] |
Fidelity® VIP Consumer Discretionary Portfolio
|
|
| Portfolio Company Adviser [Text Block] |
Fidelity Management & Research Company LLC
|
|
| Current Expenses [Percent] |
0.69%
|
|
| Average Annual Total Returns, 1 Year [Percent] |
6.73%
|
|
| Average Annual Total Returns, 5 Years [Percent] |
8.02%
|
|
| Average Annual Total Returns, 10 Years [Percent] |
12.42%
|
|
| S000016757 [Member] |
|
|
| Variable Option [Line Items] |
|
|
| Portfolio Company Objective [Text Block] |
Seeks capital appreciation
|
|
| Portfolio Company Name [Text Block] |
Fidelity® VIP Consumer Staples Portfolio
|
|
| Portfolio Company Adviser [Text Block] |
Fidelity Management & Research Company LLC
|
|
| Current Expenses [Percent] |
0.69%
|
|
| Average Annual Total Returns, 1 Year [Percent] |
(3.04%)
|
|
| Average Annual Total Returns, 5 Years [Percent] |
3.62%
|
|
| Average Annual Total Returns, 10 Years [Percent] |
5.79%
|
|
| S000007724 [Member] |
|
|
| Variable Option [Line Items] |
|
|
| Portfolio Company Objective [Text Block] |
Seeks long-term capital appreciation
|
|
| Portfolio Company Name [Text Block] |
Fidelity® VIP Contrafund® Portfolio
|
|
| Portfolio Company Adviser [Text Block] |
Fidelity Management & Research Company LLC
|
|
| Current Expenses [Percent] |
0.61%
|
|
| Average Annual Total Returns, 1 Year [Percent] |
21.43%
|
|
| Average Annual Total Returns, 5 Years [Percent] |
15.28%
|
|
| Average Annual Total Returns, 10 Years [Percent] |
15.69%
|
|
| S000007725 [Member] |
|
|
| Variable Option [Line Items] |
|
|
| Portfolio Company Objective [Text Block] |
Seeks capital appreciation
|
|
| Portfolio Company Name [Text Block] |
Fidelity® VIP Disciplined Small Cap Portfolio
|
|
| Portfolio Company Adviser [Text Block] |
Fidelity Management & Research Company LLC
|
|
| Current Expenses [Percent] |
0.40%
|
|
| Average Annual Total Returns, 1 Year [Percent] |
17.28%
|
|
| Average Annual Total Returns, 5 Years [Percent] |
10.29%
|
|
| Average Annual Total Returns, 10 Years [Percent] |
10.51%
|
|
| S000007731 [Member] |
|
|
| Variable Option [Line Items] |
|
|
| Portfolio Company Objective [Text Block] |
Seeks capital appreciation
|
|
| Portfolio Company Name [Text Block] |
Fidelity® VIP Dynamic Capital Appreciation Portfolio
|
|
| Portfolio Company Adviser [Text Block] |
Fidelity Management & Research Company LLC
|
|
| Current Expenses [Percent] |
0.81%
|
|
| Average Annual Total Returns, 1 Year [Percent] |
18.72%
|
|
| Average Annual Total Returns, 5 Years [Percent] |
13.58%
|
|
| Average Annual Total Returns, 10 Years [Percent] |
14.78%
|
|
| S000039296 [Member] |
|
|
| Variable Option [Line Items] |
|
|
| Portfolio Company Objective [Text Block] |
Seeks capital appreciation
|
|
| Portfolio Company Name [Text Block] |
Fidelity® VIP Emerging Markets Portfolio
|
|
| Portfolio Company Adviser [Text Block] |
Fidelity Management & Research Company LLC
|
|
| Current Expenses [Percent] |
0.94%
|
|
| Average Annual Total Returns, 1 Year [Percent] |
41.06%
|
|
| Average Annual Total Returns, 5 Years [Percent] |
5.79%
|
|
| Average Annual Total Returns, 10 Years [Percent] |
10.84%
|
|
| S000007752 [Member] |
|
|
| Variable Option [Line Items] |
|
|
| Portfolio Company Objective [Text Block] |
Seeks capital appreciation
|
|
| Portfolio Company Name [Text Block] |
Fidelity® VIP Energy Portfolio
|
|
| Portfolio Company Adviser [Text Block] |
Fidelity Management & Research Company LLC
|
|
| Current Expenses [Percent] |
0.68%
|
|
| Average Annual Total Returns, 1 Year [Percent] |
10.49%
|
|
| Average Annual Total Returns, 5 Years [Percent] |
24.08%
|
|
| Average Annual Total Returns, 10 Years [Percent] |
7.87%
|
|
| S000007716 [Member] |
|
|
| Variable Option [Line Items] |
|
|
| Portfolio Company Objective [Text Block] |
Seeks reasonable income while also considering the potential for capital appreciation. The fund’s goal is to achieve a yield which exceeds the composite yield on the securities comprising the S&P 500® Index
|
|
| Portfolio Company Name [Text Block] |
Fidelity® VIP Equity-Income Portfolio
|
|
| Portfolio Company Adviser [Text Block] |
Fidelity Management & Research Company LLC
|
|
| Current Expenses [Percent] |
0.53%
|
|
| Average Annual Total Returns, 1 Year [Percent] |
18.94%
|
|
| Average Annual Total Returns, 5 Years [Percent] |
12.44%
|
|
| Average Annual Total Returns, 10 Years [Percent] |
11.51%
|
|
| S000061712 [Member] |
|
|
| Variable Option [Line Items] |
|
|
| Portfolio Company Objective [Text Block] |
Seeks to provide investmentresults that correspond to the totalreturn of stocks of mid‑ tosmall‑capitalizationU.S. companies
|
|
| Portfolio Company Name [Text Block] |
Fidelity® VIP Extended Market Index Portfolio
|
|
| Portfolio Company Adviser [Text Block] |
Fidelity Management & Research Company LLC
|
|
| Portfolio Company Subadviser [Text Block] |
Geode Capital Management, LLC
|
|
| Current Expenses [Percent] |
0.12%
|
|
| Average Annual Total Returns, 1 Year [Percent] |
12.32%
|
|
| Average Annual Total Returns, 5 Years [Percent] |
8.02%
|
|
| Average Annual Total Returns, 10 Years [Percent] |
|
|
| S000007758 [Member] |
|
|
| Variable Option [Line Items] |
|
|
| Portfolio Company Objective [Text Block] |
Seeks capital appreciation
|
|
| Portfolio Company Name [Text Block] |
Fidelity® VIP Financials Portfolio
|
|
| Portfolio Company Adviser [Text Block] |
Fidelity Management & Research Company LLC
|
|
| Current Expenses [Percent] |
0.68%
|
|
| Average Annual Total Returns, 1 Year [Percent] |
15.08%
|
|
| Average Annual Total Returns, 5 Years [Percent] |
16.38%
|
|
| Average Annual Total Returns, 10 Years [Percent] |
13.31%
|
|
| S000044870 [Member] |
|
|
| Variable Option [Line Items] |
|
|
| Portfolio Company Objective [Text Block] |
Seeks a high level of current income
|
|
| Portfolio Company Name [Text Block] |
Fidelity® VIP Floating Rate High Income Portfolio
|
|
| Portfolio Company Adviser [Text Block] |
Fidelity Management & Research Company LLC
|
|
| Current Expenses [Percent] |
0.76%
|
|
| Average Annual Total Returns, 1 Year [Percent] |
5.23%
|
|
| Average Annual Total Returns, 5 Years [Percent] |
6.00%
|
|
| Average Annual Total Returns, 10 Years [Percent] |
5.40%
|
|
| S000017654 [Member] |
|
|
| Variable Option [Line Items] |
|
|
| Portfolio Company Objective [Text Block] |
Seeks high current income and, as a secondary objective, capital appreciation
|
|
| Portfolio Company Name [Text Block] |
Fidelity® VIP FundsManager® 20% Portfolio
|
|
| Portfolio Company Adviser [Text Block] |
Fidelity Management & Research Company LLC
|
|
| Current Expenses [Percent] |
0.47%
|
[7] |
| Average Annual Total Returns, 1 Year [Percent] |
9.14%
|
|
| Average Annual Total Returns, 5 Years [Percent] |
3.14%
|
|
| Average Annual Total Returns, 10 Years [Percent] |
4.23%
|
|
| S000079708 [Member] |
|
|
| Variable Option [Line Items] |
|
|
| Portfolio Company Objective [Text Block] |
Seeks high current income and, as a secondary objective, capital appreciation
|
|
| Portfolio Company Name [Text Block] |
Fidelity® VIP FundsManager® 30% Portfolio
|
|
| Portfolio Company Adviser [Text Block] |
Fidelity Management & Research Company LLC
|
|
| Current Expenses [Percent] |
0.54%
|
[7] |
| Average Annual Total Returns, 1 Year [Percent] |
10.86%
|
|
| Average Annual Total Returns, 5 Years [Percent] |
|
|
| Average Annual Total Returns, 10 Years [Percent] |
|
|
| S000079709 [Member] |
|
|
| Variable Option [Line Items] |
|
|
| Portfolio Company Objective [Text Block] |
Seeks current income as well as total return. The fund also considers the potential for capital appreciation
|
|
| Portfolio Company Name [Text Block] |
Fidelity® VIP FundsManager® 40% Portfolio
|
|
| Portfolio Company Adviser [Text Block] |
Fidelity Management & Research Company LLC
|
|
| Current Expenses [Percent] |
0.57%
|
[7] |
| Average Annual Total Returns, 1 Year [Percent] |
12.40%
|
|
| Average Annual Total Returns, 5 Years [Percent] |
|
|
| Average Annual Total Returns, 10 Years [Percent] |
|
|
| S000017655 [Member] |
|
|
| Variable Option [Line Items] |
|
|
| Portfolio Company Objective [Text Block] |
Seeks high total return
|
|
| Portfolio Company Name [Text Block] |
Fidelity® VIP FundsManager® 50% Portfolio
|
|
| Portfolio Company Adviser [Text Block] |
Fidelity Management & Research Company LLC
|
|
| Current Expenses [Percent] |
0.59%
|
[7] |
| Average Annual Total Returns, 1 Year [Percent] |
14.13%
|
|
| Average Annual Total Returns, 5 Years [Percent] |
5.78%
|
|
| Average Annual Total Returns, 10 Years [Percent] |
7.24%
|
|
| S000018574 [Member] |
|
|
| Variable Option [Line Items] |
|
|
| Portfolio Company Objective [Text Block] |
Seeks high total return
|
|
| Portfolio Company Name [Text Block] |
Fidelity® VIP FundsManager® 60% Portfolio
|
|
| Portfolio Company Adviser [Text Block] |
Fidelity Management & Research Company LLC
|
|
| Current Expenses [Percent] |
0.63%
|
[7] |
| Average Annual Total Returns, 1 Year [Percent] |
15.71%
|
|
| Average Annual Total Returns, 5 Years [Percent] |
6.67%
|
|
| Average Annual Total Returns, 10 Years [Percent] |
8.19%
|
|
| S000017656 [Member] |
|
|
| Variable Option [Line Items] |
|
|
| Portfolio Company Objective [Text Block] |
Seeks high total return
|
|
| Portfolio Company Name [Text Block] |
Fidelity® VIP FundsManager® 70% Portfolio
|
|
| Portfolio Company Adviser [Text Block] |
Fidelity Management & Research Company LLC
|
|
| Current Expenses [Percent] |
0.65%
|
[7] |
| Average Annual Total Returns, 1 Year [Percent] |
17.12%
|
|
| Average Annual Total Returns, 5 Years [Percent] |
7.74%
|
|
| Average Annual Total Returns, 10 Years [Percent] |
9.12%
|
|
| S000017657 [Member] |
|
|
| Variable Option [Line Items] |
|
|
| Portfolio Company Objective [Text Block] |
Seeks high total return
|
|
| Portfolio Company Name [Text Block] |
Fidelity® VIP FundsManager® 85% Portfolio
|
|
| Portfolio Company Adviser [Text Block] |
Fidelity Management & Research Company LLC
|
|
| Current Expenses [Percent] |
0.68%
|
[7] |
| Average Annual Total Returns, 1 Year [Percent] |
19.46%
|
|
| Average Annual Total Returns, 5 Years [Percent] |
9.10%
|
|
| Average Annual Total Returns, 10 Years [Percent] |
10.51%
|
|
| S000017648 [Member] |
|
|
| Variable Option [Line Items] |
|
|
| Portfolio Company Objective [Text Block] |
Seeks as high a level of current income as is consistent with preservation of capital and liquidity
|
|
| Portfolio Company Name [Text Block] |
Fidelity® VIP Government Money Market Portfolio
|
|
| Portfolio Company Adviser [Text Block] |
Fidelity Management & Research Company LLC
|
|
| Current Expenses [Percent] |
0.28%
|
|
| Average Annual Total Returns, 1 Year [Percent] |
4.10%
|
|
| Average Annual Total Returns, 5 Years [Percent] |
3.08%
|
|
| Average Annual Total Returns, 10 Years [Percent] |
2.01%
|
|
| S000007732 [Member] |
|
|
| Variable Option [Line Items] |
|
|
| Portfolio Company Objective [Text Block] |
Seeks high total return through a combination of current income and capital appreciation
|
|
| Portfolio Company Name [Text Block] |
Fidelity® VIP Growth & Income Portfolio
|
|
| Portfolio Company Adviser [Text Block] |
Fidelity Management & Research Company LLC
|
|
| Current Expenses [Percent] |
0.55%
|
|
| Average Annual Total Returns, 1 Year [Percent] |
21.39%
|
|
| Average Annual Total Returns, 5 Years [Percent] |
16.02%
|
|
| Average Annual Total Returns, 10 Years [Percent] |
13.75%
|
|
| S000007733 [Member] |
|
|
| Variable Option [Line Items] |
|
|
| Portfolio Company Objective [Text Block] |
Seeks to provide capital growth
|
|
| Portfolio Company Name [Text Block] |
Fidelity® VIP Growth Opportunities Portfolio
|
|
| Portfolio Company Adviser [Text Block] |
Fidelity Management & Research Company LLC
|
|
| Current Expenses [Percent] |
0.64%
|
|
| Average Annual Total Returns, 1 Year [Percent] |
21.93%
|
|
| Average Annual Total Returns, 5 Years [Percent] |
11.23%
|
|
| Average Annual Total Returns, 10 Years [Percent] |
19.85%
|
|
| S000007717 [Member] |
|
|
| Variable Option [Line Items] |
|
|
| Portfolio Company Objective [Text Block] |
Seeks to achieve capital appreciation
|
|
| Portfolio Company Name [Text Block] |
Fidelity® VIP Growth Portfolio
|
|
| Portfolio Company Adviser [Text Block] |
Fidelity Management & Research Company LLC
|
|
| Current Expenses [Percent] |
0.62%
|
|
| Average Annual Total Returns, 1 Year [Percent] |
14.84%
|
|
| Average Annual Total Returns, 5 Years [Percent] |
13.62%
|
|
| Average Annual Total Returns, 10 Years [Percent] |
17.36%
|
|
| S000007742 [Member] |
|
|
| Variable Option [Line Items] |
|
|
| Portfolio Company Objective [Text Block] |
Seeks capital appreciation
|
|
| Portfolio Company Name [Text Block] |
Fidelity® VIP Health Care Portfolio
|
|
| Portfolio Company Adviser [Text Block] |
Fidelity Management & Research Company LLC
|
|
| Current Expenses [Percent] |
0.67%
|
|
| Average Annual Total Returns, 1 Year [Percent] |
14.27%
|
|
| Average Annual Total Returns, 5 Years [Percent] |
4.10%
|
|
| Average Annual Total Returns, 10 Years [Percent] |
8.66%
|
|
| S000084059 [Member] |
|
|
| Variable Option [Line Items] |
|
|
| Portfolio Company Objective [Text Block] |
Seeks capital appreciation
|
|
| Portfolio Company Name [Text Block] |
Fidelity® VIP Hedged Equity Portfolio
|
|
| Portfolio Company Adviser [Text Block] |
Fidelity Diversifying Solutions LLC
|
|
| Current Expenses [Percent] |
0.56%
|
[7] |
| Average Annual Total Returns, 1 Year [Percent] |
|
|
| Average Annual Total Returns, 5 Years [Percent] |
|
|
| Average Annual Total Returns, 10 Years [Percent] |
|
|
| S000007718 [Member] |
|
|
| Variable Option [Line Items] |
|
|
| Portfolio Company Objective [Text Block] |
Seeks a high level of current income, while also considering growth of capital
|
|
| Portfolio Company Name [Text Block] |
Fidelity® VIP High Income Portfolio
|
|
| Portfolio Company Adviser [Text Block] |
Fidelity Management & Research Company LLC
|
|
| Current Expenses [Percent] |
0.85%
|
[7] |
| Average Annual Total Returns, 1 Year [Percent] |
10.45%
|
|
| Average Annual Total Returns, 5 Years [Percent] |
4.24%
|
|
| Average Annual Total Returns, 10 Years [Percent] |
5.57%
|
|
| S000007726 [Member] |
|
|
| Variable Option [Line Items] |
|
|
| Portfolio Company Objective [Text Block] |
Seeks investment results that correspond to the total return of common stocks publicly traded in the United States, as represented by the S&P 500® Index
|
|
| Portfolio Company Name [Text Block] |
Fidelity® VIP Index 500 Portfolio
|
|
| Portfolio Company Adviser [Text Block] |
Fidelity Management & Research Company LLC
|
|
| Portfolio Company Subadviser [Text Block] |
Geode Capital Management, LLC
|
|
| Current Expenses [Percent] |
0.09%
|
|
| Average Annual Total Returns, 1 Year [Percent] |
17.78%
|
|
| Average Annual Total Returns, 5 Years [Percent] |
14.31%
|
|
| Average Annual Total Returns, 10 Years [Percent] |
14.70%
|
|
| S000007747 [Member] |
|
|
| Variable Option [Line Items] |
|
|
| Portfolio Company Objective [Text Block] |
Seeks capital appreciation
|
|
| Portfolio Company Name [Text Block] |
Fidelity® VIP Industrials Portfolio
|
|
| Portfolio Company Adviser [Text Block] |
Fidelity Management & Research Company LLC
|
|
| Current Expenses [Percent] |
0.68%
|
|
| Average Annual Total Returns, 1 Year [Percent] |
24.42%
|
|
| Average Annual Total Returns, 5 Years [Percent] |
14.70%
|
|
| Average Annual Total Returns, 10 Years [Percent] |
12.89%
|
|
| S000039298 [Member] |
|
|
| Variable Option [Line Items] |
|
|
| Portfolio Company Objective [Text Block] |
Seeks capital appreciation
|
|
| Portfolio Company Name [Text Block] |
Fidelity® VIP International Capital Appreciation Portfolio
|
|
| Portfolio Company Adviser [Text Block] |
Fidelity Management & Research Company LLC
|
|
| Current Expenses [Percent] |
0.85%
|
|
| Average Annual Total Returns, 1 Year [Percent] |
18.56%
|
|
| Average Annual Total Returns, 5 Years [Percent] |
6.16%
|
|
| Average Annual Total Returns, 10 Years [Percent] |
9.72%
|
|
| S000061713 [Member] |
|
|
| Variable Option [Line Items] |
|
|
| Portfolio Company Objective [Text Block] |
Seeks to provide investment results that correspond to the total return of foreign developed and emerging stock markets
|
|
| Portfolio Company Name [Text Block] |
Fidelity® VIP International Index Portfolio
|
|
| Portfolio Company Adviser [Text Block] |
Fidelity Management & Research Company LLC
|
|
| Portfolio Company Subadviser [Text Block] |
Geode Capital Management, LLC
|
|
| Current Expenses [Percent] |
0.16%
|
|
| Average Annual Total Returns, 1 Year [Percent] |
33.15%
|
|
| Average Annual Total Returns, 5 Years [Percent] |
8.02%
|
|
| Average Annual Total Returns, 10 Years [Percent] |
|
|
| S000017668 [Member] |
|
|
| Variable Option [Line Items] |
|
|
| Portfolio Company Objective [Text Block] |
Seeks as high a level of current income as is consistent with the preservation of capital
|
|
| Portfolio Company Name [Text Block] |
Fidelity® VIP Investment Grade Bond Portfolio
|
|
| Portfolio Company Adviser [Text Block] |
Fidelity Management & Research Company LLC
|
|
| Current Expenses [Percent] |
0.41%
|
|
| Average Annual Total Returns, 1 Year [Percent] |
7.22%
|
|
| Average Annual Total Returns, 5 Years [Percent] |
0.02%
|
|
| Average Annual Total Returns, 10 Years [Percent] |
2.68%
|
|
| S000017665 [Member] |
|
|
| Variable Option [Line Items] |
|
|
| Portfolio Company Objective [Text Block] |
Seeks high total return with asecondary objectiveof principal preservation
|
|
| Portfolio Company Name [Text Block] |
Fidelity® VIP Investor Freedom RetirementSM Portfolio
|
[8] |
| Portfolio Company Adviser [Text Block] |
Fidelity Management & Research Company LLC
|
|
| Current Expenses [Percent] |
0.39%
|
|
| Average Annual Total Returns, 1 Year [Percent] |
9.63%
|
|
| Average Annual Total Returns, 5 Years [Percent] |
2.31%
|
|
| Average Annual Total Returns, 10 Years [Percent] |
4.40%
|
|
| S000017660 [Member] |
|
|
| Variable Option [Line Items] |
|
|
| Portfolio Company Objective [Text Block] |
Seeks high total return with a secondary objective of principal preservation as the fund approaches its target date and beyond
|
|
| Portfolio Company Name [Text Block] |
Fidelity® VIP Investor FreedomSM 2010 Portfolio
|
|
| Portfolio Company Adviser [Text Block] |
Fidelity Management & Research Company LLC
|
|
| Current Expenses [Percent] |
0.42%
|
|
| Average Annual Total Returns, 1 Year [Percent] |
10.57%
|
|
| Average Annual Total Returns, 5 Years [Percent] |
3.11%
|
|
| Average Annual Total Returns, 10 Years [Percent] |
5.68%
|
|
| S000017661 [Member] |
|
|
| Variable Option [Line Items] |
|
|
| Portfolio Company Objective [Text Block] |
Seeks high total return with a secondary objective of principal preservation as the fund approaches its target date and beyond
|
|
| Portfolio Company Name [Text Block] |
Fidelity® VIP Investor FreedomSM 2015 Portfolio
|
|
| Portfolio Company Adviser [Text Block] |
Fidelity Management & Research Company LLC
|
|
| Current Expenses [Percent] |
0.45%
|
|
| Average Annual Total Returns, 1 Year [Percent] |
11.87%
|
|
| Average Annual Total Returns, 5 Years [Percent] |
3.95%
|
|
| Average Annual Total Returns, 10 Years [Percent] |
6.55%
|
|
| S000017662 [Member] |
|
|
| Variable Option [Line Items] |
|
|
| Portfolio Company Objective [Text Block] |
Seeks high total return with a secondary objective of principal preservation as the fund approaches its target date and beyond
|
|
| Portfolio Company Name [Text Block] |
Fidelity® VIP Investor FreedomSM 2020 Portfolio
|
|
| Portfolio Company Adviser [Text Block] |
Fidelity Management & Research Company LLC
|
|
| Current Expenses [Percent] |
0.49%
|
|
| Average Annual Total Returns, 1 Year [Percent] |
13.29%
|
|
| Average Annual Total Returns, 5 Years [Percent] |
4.79%
|
|
| Average Annual Total Returns, 10 Years [Percent] |
7.33%
|
|
| S000017663 [Member] |
|
|
| Variable Option [Line Items] |
|
|
| Portfolio Company Objective [Text Block] |
Seeks high total return with a secondary objective of principal preservation as the fund approaches its target date and beyond
|
|
| Portfolio Company Name [Text Block] |
Fidelity® VIP Investor FreedomSM 2025 Portfolio
|
|
| Portfolio Company Adviser [Text Block] |
Fidelity Management & Research Company LLC
|
|
| Current Expenses [Percent] |
0.51%
|
|
| Average Annual Total Returns, 1 Year [Percent] |
14.44%
|
|
| Average Annual Total Returns, 5 Years [Percent] |
5.46%
|
|
| Average Annual Total Returns, 10 Years [Percent] |
7.95%
|
|
| S000017664 [Member] |
|
|
| Variable Option [Line Items] |
|
|
| Portfolio Company Objective [Text Block] |
Seeks high total return with a secondary objective of principal preservation as the fund approaches its target date and beyond
|
|
| Portfolio Company Name [Text Block] |
Fidelity® VIP Investor FreedomSM 2030 Portfolio
|
|
| Portfolio Company Adviser [Text Block] |
Fidelity Management & Research Company LLC
|
|
| Current Expenses [Percent] |
0.54%
|
|
| Average Annual Total Returns, 1 Year [Percent] |
15.37%
|
|
| Average Annual Total Returns, 5 Years [Percent] |
6.18%
|
|
| Average Annual Total Returns, 10 Years [Percent] |
8.81%
|
|
| S000076747 [Member] |
|
|
| Variable Option [Line Items] |
|
|
| Portfolio Company Objective [Text Block] |
Seeks high total return with a secondary objective of principal preservation as the fund approaches its target date and beyond
|
|
| Portfolio Company Name [Text Block] |
Fidelity® VIP Investor FreedomSM 2035 Portfolio
|
|
| Portfolio Company Adviser [Text Block] |
Fidelity Management & Research Company LLC
|
|
| Current Expenses [Percent] |
0.58%
|
|
| Average Annual Total Returns, 1 Year [Percent] |
16.61%
|
|
| Average Annual Total Returns, 5 Years [Percent] |
|
|
| Average Annual Total Returns, 10 Years [Percent] |
|
|
| S000076748 [Member] |
|
|
| Variable Option [Line Items] |
|
|
| Portfolio Company Objective [Text Block] |
Seeks high total return with a secondary objective of principal preservation as the fund approaches its target date and beyond
|
|
| Portfolio Company Name [Text Block] |
Fidelity® VIP Investor FreedomSM 2040 Portfolio
|
|
| Portfolio Company Adviser [Text Block] |
Fidelity Management & Research Company LLC
|
|
| Current Expenses [Percent] |
0.63%
|
|
| Average Annual Total Returns, 1 Year [Percent] |
18.69%
|
|
| Average Annual Total Returns, 5 Years [Percent] |
|
|
| Average Annual Total Returns, 10 Years [Percent] |
|
|
| S000076749 [Member] |
|
|
| Variable Option [Line Items] |
|
|
| Portfolio Company Objective [Text Block] |
Seeks high total return with a secondary objective of principal preservation as the fund approaches its target date and beyond
|
|
| Portfolio Company Name [Text Block] |
Fidelity® VIP Investor FreedomSM 2045 Portfolio
|
|
| Portfolio Company Adviser [Text Block] |
Fidelity Management & Research Company LLC
|
|
| Current Expenses [Percent] |
0.67%
|
|
| Average Annual Total Returns, 1 Year [Percent] |
19.69%
|
|
| Average Annual Total Returns, 5 Years [Percent] |
|
|
| Average Annual Total Returns, 10 Years [Percent] |
|
|
| S000076750 [Member] |
|
|
| Variable Option [Line Items] |
|
|
| Portfolio Company Objective [Text Block] |
Seeks high total return with a secondary objective of principal preservation as the fund approaches its target date and beyond
|
|
| Portfolio Company Name [Text Block] |
Fidelity® VIP Investor FreedomSM 2050 Portfolio
|
|
| Portfolio Company Adviser [Text Block] |
Fidelity Management & Research Company LLC
|
|
| Current Expenses [Percent] |
0.67%
|
|
| Average Annual Total Returns, 1 Year [Percent] |
19.73%
|
|
| Average Annual Total Returns, 5 Years [Percent] |
|
|
| Average Annual Total Returns, 10 Years [Percent] |
|
|
| S000016758 [Member] |
|
|
| Variable Option [Line Items] |
|
|
| Portfolio Company Objective [Text Block] |
Seeks capital appreciation
|
|
| Portfolio Company Name [Text Block] |
Fidelity® VIP Materials Portfolio
|
|
| Portfolio Company Adviser [Text Block] |
Fidelity Management & Research Company LLC
|
|
| Current Expenses [Percent] |
0.76%
|
|
| Average Annual Total Returns, 1 Year [Percent] |
11.24%
|
|
| Average Annual Total Returns, 5 Years [Percent] |
6.98%
|
|
| Average Annual Total Returns, 10 Years [Percent] |
7.59%
|
|
| S000007734 [Member] |
|
|
| Variable Option [Line Items] |
|
|
| Portfolio Company Objective [Text Block] |
Seeks long-term growth of capital
|
|
| Portfolio Company Name [Text Block] |
Fidelity® VIP Mid Cap Portfolio
|
|
| Portfolio Company Adviser [Text Block] |
Fidelity Management & Research Company LLC
|
|
| Current Expenses [Percent] |
0.63%
|
|
| Average Annual Total Returns, 1 Year [Percent] |
11.68%
|
|
| Average Annual Total Returns, 5 Years [Percent] |
10.02%
|
|
| Average Annual Total Returns, 10 Years [Percent] |
10.50%
|
|
| S000007720 [Member] |
|
|
| Variable Option [Line Items] |
|
|
| Portfolio Company Objective [Text Block] |
Seeks long-term growth of capital
|
|
| Portfolio Company Name [Text Block] |
Fidelity® VIP Overseas Portfolio
|
|
| Portfolio Company Adviser [Text Block] |
Fidelity Management & Research Company LLC
|
|
| Current Expenses [Percent] |
0.80%
|
|
| Average Annual Total Returns, 1 Year [Percent] |
20.32%
|
|
| Average Annual Total Returns, 5 Years [Percent] |
6.54%
|
|
| Average Annual Total Returns, 10 Years [Percent] |
7.85%
|
|
| S000007753 [Member] |
|
|
| Variable Option [Line Items] |
|
|
| Portfolio Company Objective [Text Block] |
Seeks above average income and long-term capital growth, consistent with reasonable investment risk. The fund seeks to provide a yield that exceeds the composite yield of the S&P 500® Index
|
|
| Portfolio Company Name [Text Block] |
Fidelity® VIP Real Estate Portfolio
|
|
| Portfolio Company Adviser [Text Block] |
Fidelity Management & Research Company LLC
|
|
| Current Expenses [Percent] |
0.68%
|
|
| Average Annual Total Returns, 1 Year [Percent] |
3.06%
|
|
| Average Annual Total Returns, 5 Years [Percent] |
4.15%
|
|
| Average Annual Total Returns, 10 Years [Percent] |
3.79%
|
|
| S000017666 [Member] |
|
|
| Variable Option [Line Items] |
|
|
| Portfolio Company Objective [Text Block] |
Seeks a high level of current income. The fund may also seek capital appreciation
|
|
| Portfolio Company Name [Text Block] |
Fidelity® VIP Strategic Income Portfolio
|
|
| Portfolio Company Adviser [Text Block] |
Fidelity Management & Research Company LLC
|
|
| Current Expenses [Percent] |
0.67%
|
|
| Average Annual Total Returns, 1 Year [Percent] |
8.82%
|
|
| Average Annual Total Returns, 5 Years [Percent] |
3.02%
|
|
| Average Annual Total Returns, 10 Years [Percent] |
4.62%
|
|
| S000007755 [Member] |
|
|
| Variable Option [Line Items] |
|
|
| Portfolio Company Objective [Text Block] |
Seeks capital appreciation
|
|
| Portfolio Company Name [Text Block] |
Fidelity® VIP Technology Portfolio
|
|
| Portfolio Company Adviser [Text Block] |
Fidelity Management & Research Company LLC
|
|
| Current Expenses [Percent] |
0.64%
|
|
| Average Annual Total Returns, 1 Year [Percent] |
23.28%
|
|
| Average Annual Total Returns, 5 Years [Percent] |
16.75%
|
|
| Average Annual Total Returns, 10 Years [Percent] |
23.67%
|
|
| S000061714 [Member] |
|
|
| Variable Option [Line Items] |
|
|
| Portfolio Company Objective [Text Block] |
Seeks to provide investment results that correspond to the total return of a broad range of U.S. stocks
|
|
| Portfolio Company Name [Text Block] |
Fidelity® VIP Total Market Index Portfolio
|
|
| Portfolio Company Adviser [Text Block] |
Fidelity Management & Research Company LLC
|
|
| Portfolio Company Subadviser [Text Block] |
Geode Capital Management, LLC
|
|
| Current Expenses [Percent] |
0.11%
|
|
| Average Annual Total Returns, 1 Year [Percent] |
17.11%
|
|
| Average Annual Total Returns, 5 Years [Percent] |
13.14%
|
|
| Average Annual Total Returns, 10 Years [Percent] |
|
|
| S000007756 [Member] |
|
|
| Variable Option [Line Items] |
|
|
| Portfolio Company Objective [Text Block] |
Seeks capital appreciation
|
|
| Portfolio Company Name [Text Block] |
Fidelity® VIP Utilities Portfolio
|
|
| Portfolio Company Adviser [Text Block] |
Fidelity Management & Research Company LLC
|
|
| Current Expenses [Percent] |
0.68%
|
|
| Average Annual Total Returns, 1 Year [Percent] |
14.03%
|
|
| Average Annual Total Returns, 5 Years [Percent] |
12.43%
|
|
| Average Annual Total Returns, 10 Years [Percent] |
12.42%
|
|
| S000007721 [Member] |
|
|
| Variable Option [Line Items] |
|
|
| Portfolio Company Objective [Text Block] |
Seeks capital appreciation
|
|
| Portfolio Company Name [Text Block] |
Fidelity® VIP Value Portfolio
|
|
| Portfolio Company Adviser [Text Block] |
Fidelity Management & Research Company LLC
|
|
| Current Expenses [Percent] |
0.68%
|
|
| Average Annual Total Returns, 1 Year [Percent] |
11.16%
|
|
| Average Annual Total Returns, 5 Years [Percent] |
13.02%
|
|
| Average Annual Total Returns, 10 Years [Percent] |
11.15%
|
|
| S000007735 [Member] |
|
|
| Variable Option [Line Items] |
|
|
| Portfolio Company Objective [Text Block] |
Seeks capital appreciation
|
|
| Portfolio Company Name [Text Block] |
Fidelity® VIP Value Strategies Portfolio
|
|
| Portfolio Company Adviser [Text Block] |
Fidelity Management & Research Company LLC
|
|
| Current Expenses [Percent] |
0.66%
|
|
| Average Annual Total Returns, 1 Year [Percent] |
7.89%
|
|
| Average Annual Total Returns, 5 Years [Percent] |
12.06%
|
|
| Average Annual Total Returns, 10 Years [Percent] |
10.74%
|
|
| S000007317 [Member] |
|
|
| Variable Option [Line Items] |
|
|
| Portfolio Company Objective [Text Block] |
Seeks income
|
|
| Portfolio Company Name [Text Block] |
Franklin U.S. Government Securities VIP Fund
|
|
| Portfolio Company Adviser [Text Block] |
Franklin Advisers, Inc.
|
|
| Current Expenses [Percent] |
0.79%
|
|
| Average Annual Total Returns, 1 Year [Percent] |
6.69%
|
|
| Average Annual Total Returns, 5 Years [Percent] |
0.02%
|
|
| Average Annual Total Returns, 10 Years [Percent] |
1.14%
|
|
| S000064660 [Member] |
|
|
| Variable Option [Line Items] |
|
|
| Portfolio Company Objective [Text Block] |
Seeks capital appreciation
|
|
| Portfolio Company Name [Text Block] |
Invesco V.I. Global Fund
|
|
| Portfolio Company Adviser [Text Block] |
Invesco Advisers, Inc.
|
|
| Current Expenses [Percent] |
0.81%
|
|
| Average Annual Total Returns, 1 Year [Percent] |
15.32%
|
|
| Average Annual Total Returns, 5 Years [Percent] |
7.28%
|
|
| Average Annual Total Returns, 10 Years [Percent] |
11.00%
|
|
| S000010295 [Member] |
|
|
| Variable Option [Line Items] |
|
|
| Portfolio Company Objective [Text Block] |
Seeks long-term capital appreciation
|
|
| Portfolio Company Name [Text Block] |
Lazard Retirement Emerging Markets Equity Portfolio
|
|
| Portfolio Company Adviser [Text Block] |
Lazard Asset Management LLC
|
|
| Current Expenses [Percent] |
1.13%
|
[7] |
| Average Annual Total Returns, 1 Year [Percent] |
42.12%
|
|
| Average Annual Total Returns, 5 Years [Percent] |
11.04%
|
|
| Average Annual Total Returns, 10 Years [Percent] |
9.63%
|
|
| S000004175 [Member] |
|
|
| Variable Option [Line Items] |
|
|
| Portfolio Company Objective [Text Block] |
Seeks long-term capital appreciation by investing primarily in growth-oriented equity securities of issuers in emerging market countries
|
|
| Portfolio Company Name [Text Block] |
Morgan Stanley Emerging Markets Equity Portfolio
|
|
| Portfolio Company Adviser [Text Block] |
Morgan Stanley Investment Management Inc.
|
|
| Current Expenses [Percent] |
1.25%
|
[7] |
| Average Annual Total Returns, 1 Year [Percent] |
32.96%
|
|
| Average Annual Total Returns, 5 Years [Percent] |
4.37%
|
|
| Average Annual Total Returns, 10 Years [Percent] |
7.27%
|
|
| S000004181 [Member] |
|
|
| Variable Option [Line Items] |
|
|
| Portfolio Company Objective [Text Block] |
Seeks total return
|
|
| Portfolio Company Name [Text Block] |
Morgan Stanley Global Strategist Portfolio
|
|
| Portfolio Company Adviser [Text Block] |
Morgan Stanley Investment Management Inc.
|
|
| Current Expenses [Percent] |
0.90%
|
[7] |
| Average Annual Total Returns, 1 Year [Percent] |
17.40%
|
|
| Average Annual Total Returns, 5 Years [Percent] |
5.31%
|
|
| Average Annual Total Returns, 10 Years [Percent] |
6.85%
|
|
| S000004174 [Member] |
|
|
| Variable Option [Line Items] |
|
|
| Portfolio Company Objective [Text Block] |
Seeks high total return by investing primarily in fixed income securities of government and government-related issuers and, to a lesser extent, of corporate issuers in emerging market countries
|
|
| Portfolio Company Name [Text Block] |
Morgan Stanley Variable Insurance Fund, Inc. (“Morgan Stanley”) Emerging Markets Debt Portfolio
|
|
| Portfolio Company Adviser [Text Block] |
Morgan Stanley Investment Management Inc.
|
|
| Current Expenses [Percent] |
1.10%
|
[7] |
| Average Annual Total Returns, 1 Year [Percent] |
15.33%
|
|
| Average Annual Total Returns, 5 Years [Percent] |
2.70%
|
|
| Average Annual Total Returns, 10 Years [Percent] |
4.51%
|
|
| S000009667 [Member] |
|
|
| Variable Option [Line Items] |
|
|
| Portfolio Company Objective [Text Block] |
Seeks maximum real return, consistent with prudent investment management
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| Portfolio Company Name [Text Block] |
PIMCO Variable Insurance Trust (“VIT”) CommodityRealReturn® Strategy Portfolio
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| Portfolio Company Adviser [Text Block] |
Pacific Investment Management Company LLC
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| Current Expenses [Percent] |
3.19%
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[7] |
| Average Annual Total Returns, 1 Year [Percent] |
18.79%
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| Average Annual Total Returns, 5 Years [Percent] |
10.55%
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| Average Annual Total Returns, 10 Years [Percent] |
6.54%
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| S000009673 [Member] |
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| Variable Option [Line Items] |
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| Portfolio Company Objective [Text Block] |
Seeks maximum total return, consistent with preservation of capital and prudent investment management
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| Portfolio Company Name [Text Block] |
PIMCO VIT Low Duration Portfolio
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| Portfolio Company Adviser [Text Block] |
Pacific Investment Management Company LLC
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| Current Expenses [Percent] |
0.66%
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| Average Annual Total Returns, 1 Year [Percent] |
5.52%
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| Average Annual Total Returns, 5 Years [Percent] |
1.57%
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| Average Annual Total Returns, 10 Years [Percent] |
1.79%
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| S000009661 [Member] |
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| Variable Option [Line Items] |
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| Portfolio Company Objective [Text Block] |
Seeks maximum real return, consistent with preservation of real capital and prudent investment management
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| Portfolio Company Name [Text Block] |
PIMCO VIT Real Return Portfolio
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| Portfolio Company Adviser [Text Block] |
Pacific Investment Management Company LLC
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| Current Expenses [Percent] |
1.39%
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| Average Annual Total Returns, 1 Year [Percent] |
7.85%
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| Average Annual Total Returns, 5 Years [Percent] |
1.21%
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| Average Annual Total Returns, 10 Years [Percent] |
3.21%
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| S000009665 [Member] |
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| Variable Option [Line Items] |
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| Portfolio Company Objective [Text Block] |
Seeks maximum total return, consistent with preservation of capital and prudent investment management
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| Portfolio Company Name [Text Block] |
PIMCO VIT Total Return Portfolio
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| Portfolio Company Adviser [Text Block] |
Pacific Investment Management Company LLC
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| Current Expenses [Percent] |
0.73%
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| Average Annual Total Returns, 1 Year [Percent] |
8.89%
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| Average Annual Total Returns, 5 Years [Percent] |
0.02%
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| Average Annual Total Returns, 10 Years [Percent] |
2.36%
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| S000007325 [Member] |
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| Variable Option [Line Items] |
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| Portfolio Company Objective [Text Block] |
Seeks high current income, consistent with preservation of capital, with capital appreciation as a secondary consideration
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| Portfolio Company Name [Text Block] |
Templeton Global Bond VIP Fund
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| Portfolio Company Adviser [Text Block] |
Franklin Advisers, Inc.
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| Current Expenses [Percent] |
0.75%
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[7] |
| Average Annual Total Returns, 1 Year [Percent] |
15.73%
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| Average Annual Total Returns, 5 Years [Percent] |
(0.96%)
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| Average Annual Total Returns, 10 Years [Percent] |
(0.15%)
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| Standard Death Benefit [Member] |
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| Item 10. Benefits Available [Line Items] |
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| Name of Benefit [Text Block] |
Death Benefit
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| Purpose of Benefit [Text Block] |
Upon death of an Owner (or Annuitant in the case of a trust owned contract) prior to the Annuity Date, provides a benefit to the Beneficiary(ies). The Death Benefit is the then-current Contract Value on the date we receive due proof of death and all of our required forms fully completed.
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| Standard Benefit Expense (of Benefit Base), Maximum [Percent] |
0.00%
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| Brief Restrictions / Limitations [Text Block] |
There is no guaranteed minimum death benefit.We will not pay any Beneficiary until we have determined the number of Beneficiaries entitled to receive payment.Any advisory fees you pay from the Contract to a third-party investment advisory firm will be treated as a withdrawal and, like any other withdrawal, will reduce the Contract Value and Death Benefit.
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| Name of Benefit [Text Block] |
Death Benefit
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| Automatic Annuity Builder [Member] |
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| Item 10. Benefits Available [Line Items] |
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| Name of Benefit [Text Block] |
Automatic Annuity Builder
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| Purpose of Benefit [Text Block] |
Allows for periodic, pre‑authorized Purchase Payments from a checking or savings account, or a Fidelity Investments brokerage account.
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| Standard Benefit Expense (of Benefit Base), Maximum [Percent] |
0.00%
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| Brief Restrictions / Limitations [Text Block] |
Minimum transfer amount is $100.We reserve the right to restrict participation if there is insufficient funds to complete a transfer.
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| Name of Benefit [Text Block] |
Automatic Annuity Builder
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| Dollar Cost Averaging [Member] |
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| Item 10. Benefits Available [Line Items] |
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| Name of Benefit [Text Block] |
Dollar Cost Averaging
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| Purpose of Benefit [Text Block] |
Allows for automatic monthly Exchanges from one of two Subaccounts (the Source Options) to any other Subaccount (the Destination Option).
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| Standard Benefit Expense (of Benefit Base), Maximum [Percent] |
0.00%
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| Brief Restrictions / Limitations [Text Block] |
Minimum transfer amount is $250.May not be used at the same time as Automatic Rebalancing.We reserve the right to modify or terminate this benefit.
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| Name of Benefit [Text Block] |
Dollar Cost Averaging
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| Automatic Rebalancing [Member] |
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| Item 10. Benefits Available [Line Items] |
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| Name of Benefit [Text Block] |
Automatic Rebalancing
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| Purpose of Benefit [Text Block] |
Helps to maintain a specified allocation mix among Subaccounts.
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| Standard Benefit Expense (of Benefit Base), Maximum [Percent] |
0.00%
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| Brief Restrictions / Limitations [Text Block] |
May not be used at the same time as Dollar Cost Averaging. We reserve the right to modify or terminate this benefit.
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| Name of Benefit [Text Block] |
Automatic Rebalancing
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| Systematic Withdrawal Program [Member] |
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| Item 10. Benefits Available [Line Items] |
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| Name of Benefit [Text Block] |
Systematic Withdrawal Program
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| Purpose of Benefit [Text Block] |
Allows for periodic withdrawals of at least $100 on a monthly, quarterly, semi-annual, or annual basis.
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| Standard Benefit Expense (of Benefit Base), Maximum [Percent] |
0.00%
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| Brief Restrictions / Limitations [Text Block] |
Contract Value must be at least $10,000 to begin this program. We reserve the right to modify or terminate this benefit.
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| Name of Benefit [Text Block] |
Systematic Withdrawal Program
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| Risk of Loss [Member] |
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| Item 3. Key Information [Line Items] |
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| Risk [Text Block] |
Yes, an investor can lose money by investing in the Contract.
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| Item 5. Principal Risks [Line Items] |
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| Principal Risk [Text Block] |
Risk of Loss: The value of the money you invest in any Subaccount will vary with the investment performance of the single Fund in which the Subaccount invests. There is a risk of loss of the entire amount invested. Values may increase, decrease, or stay the same. You bear the investment risk. You should review each Fund’s prospectus carefully before making an investment decision.
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| Not Short Term Investment Risk [Member] |
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| Item 3. Key Information [Line Items] |
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| Risk [Text Block] |
No, the Contract is not suitable as a short-term investment and is not appropriate for an investor who needs ready access to cash. This is because the benefits of tax deferral are more advantageous to investors with a long-time horizon. Investors with a short time horizon may not benefit. Furthermore, the taxable portion of a distribution will generally be taxed as ordinary income and may be subject to a penalty tax if received before age 591⁄2.
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| Item 5. Principal Risks [Line Items] |
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| Principal Risk [Text Block] |
Not A Short-Term Investment: The Contract is not suitable as a short-term investment and is not appropriate for an investor who needs ready access to cash. This is because the benefits of tax deferral are more advantageous to investors with a long-time horizon. Investors with a short time horizon may not benefit. Furthermore, adverse tax consequences may result from withdrawals prior to age 591⁄2.
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| Investment Options Risk [Member] |
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| Item 3. Key Information [Line Items] |
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| Risk [Text Block] |
•An investment in the Contract is subject to the risk of poor performance of the Subaccount(s).•Performance will vary based on the performance of the Subaccount(s) you select.•Each Subaccount will have its own unique risks.•You should review each Fund’s prospectus carefully before making an investment decision.
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| Insurance Company Risk [Member] |
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| Item 3. Key Information [Line Items] |
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| Risk [Text Block] |
The Contract is issued by and subject to the risks related to Empire Fidelity Investments Life Insurance Company (“EFILI, “we”, or “us”). The obligations, guarantees, and benefits of the Contract are subject to EFILI’s claims-paying ability. EFILI has an A+ Financial Strength Rating from AM Best as of March 5, 2026.
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| Item 5. Principal Risks [Line Items] |
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| Principal Risk [Text Block] |
Insurance Company Risks: The Contract is issued by and subject to the risks related to Empire Fidelity Investments Life Insurance Company (“EFILI, “we”, or “us”). The obligations, guarantees, and benefits of the Contract are subject to EFILI’s claims-paying ability. If EFILI experiences financial distress, it may not be able to meet its obligations – annuity income payments guaranteed under the Contract could be especially at risk.
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| Contract Changes Risk [Member] |
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| Item 5. Principal Risks [Line Items] |
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| Principal Risk [Text Block] |
Contract Changes Risk: There is the risk that in the future we will exercise our right to change certain fees or features of the Contract, including the following:
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• |
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We may limit the amount of any Initial or Additional Purchase Payment. |
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• |
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We reserve the right to terminate the availability of the lower Contract Charges (0.10%) to existing Owners in the event we decide to cease offering the lower Contract Charges to new applicants. |
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• |
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We reserve the right to limit exchanges, and to charge as much as $15.00 for each exchange in excess of six per calendar year. |
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• |
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We reserve the right to eliminate Subaccounts, to combine two or more Subaccounts, or to substitute a new mutual fund for the mutual fund in which a Subaccount invests. |
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• |
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We may modify or terminate certain Contract features such as dollar cost averaging, automatic rebalancing, and the systematic withdrawal program. |
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| Possibility of Adverse Tax Consequences [Member] |
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| Item 5. Principal Risks [Line Items] |
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| Principal Risk [Text Block] |
Possibility of Adverse Tax Consequences: A penalty tax equal to 10% of the amount treated as taxable income may be imposed on distributions received before age 591⁄2.
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| Not appropriate for Certain Individuals [Member] |
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| Item 5. Principal Risks [Line Items] |
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| Principal Risk [Text Block] |
Not appropriate for Certain Individuals: Investors who may benefit from this Contract are individuals who have maximized contributions to traditional tax‑deferred savings vehicles and are seeking additional opportunities to invest long-term on a tax‑deferred basis. The contract is generally not appropriate for investors who have not maximized contributions to other traditional tax‑deferred savings vehicles available to them, such as individual retirement accounts (IRAs) and employer sponsored plans. This is because these savings vehicles already provide tax‑deferral, but, unlike annuity contracts, they are not subject to a Base Contract Expense and certain other charges unique to annuity contracts. While there are higher cost annuity contracts that provide insurance benefits not available in traditional tax‑deferred savings vehicles, this annuity Contract provides limited insurance benefits (primarily the ability to annuitize and receive income payments for life).
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| Potential Harmful Fund Transfer Activity [Member] |
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| Item 5. Principal Risks [Line Items] |
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| Principal Risk [Text Block] |
Potential Harmful Fund Transfer Activity: Frequent Exchanges among Subaccounts by Contract Owners can reduce the long-term returns of the Funds. The reduced returns could adversely affect the owners, annuitants, insureds or beneficiaries of any variable annuity or variable life insurance contract issued by any insurance company with respect to values allocated to the Fund. Frequent Exchanges may reduce a Fund’s performance by increasing costs paid by the Fund (such as brokerage commissions); they can disrupt portfolio management strategies; and they can have the effect of diluting the value of the shares of long-term shareholders in cases in which fluctuations in markets are not fully priced into the Fund’s net asset value. EFILI has adopted policies designed to discourage frequent trading. See 5. Making Exchanges Among Subaccounts for more information.
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| Potential Impact of Any Fees You Pay to Third Party Investment Advisory Firms [Member] |
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| Item 5. Principal Risks [Line Items] |
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| Principal Risk [Text Block] |
Potential Impact of Any Fees You Pay to Third-Party Investment Advisory Firms: You may authorize a third‑party investment advisory firm (the “Advisor”) to make asset allocation decisions and request other transactions within the Contract on your behalf. The Advisor may charge an advisory fee for their services, and this fee would be in addition to the Contract’s fees and expenses. If you elect to pay this advisory fee from the Contract, then this deduction will reduce the Contract Value and Death Benefit and may be subject to federal and state income taxes and a 10% federal penalty tax.
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| After Any Waivers Or Expense Reimbursements [Member] |
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| Item 4. Fee Table [Line Items] |
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| Portfolio Company Expenses [Text Block] |
(expenses that are deducted from Fund assets, including management fees, distribution and/or service (12b‑1) fees, and other expenses after any waivers or expense reimbursements)
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| Portfolio Company Expenses Minimum [Percent] |
0.09%
|
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| Portfolio Company Expenses Maximum [Percent] |
3.19%
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[9] |
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