| |
Regular Mail |
Express Mail |
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NYLIAC Variable Products Service Center Madison Square Station P.O. Box 922 New York, NY 10159 |
NYLIAC Variable
Products Service Center 51 Madison Avenue
Floor 3B, Room 0304 New York, NY 10010 |
| |
Regular Mail |
|
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New York Life P.O. Box 130539 Dallas, TX 75313-0539 |
|
| |
Regular Mail |
Express Mail |
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NYLIAC 75 Remittance Drive, Suite 3021 Chicago, IL 60675-3021 |
NYLIAC 5450 N.
Cumberland Avenue, Suite 100 Chicago, IL 60656-1422 |
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FEES AND EXPENSES | ||
| |
Please refer to your Policy Specifications Page for information
about the guaranteed maximum fees you will pay each year based on the
options you have selected. | ||
| Charges for Early
Withdrawals |
For Series 1 policies, if you fully surrender or withdraw money from your policy within
a maximum of 15 years following your purchase of the policy (or
following a Face Amount Increase), you may be assessed a maximum surrender charge equal to the
lesser of (a) or (b) where (a) equals 50% of your total premiums paid under the
policy and (b) equals a percentage of the Surrender Charge Premium
applicable to the Policy Year. For Series 2 policies, if you fully surrender or withdraw money from your policy within a maximum of 15 years following your purchase of the policy (or following a Face
Amount Increase), you may be assessed a maximum surrender charge equal to the
lesser of (a) or (b) where (a) equals 50% of total premium payments paid under the
policy less the cumulative monthly contract charge incurred for the
first 3 Policy Years and (b) equals a percentage of the Surrender
Charge Premium applicable to the Policy Year.
For example, for Series 1 policies if you were to withdraw $100,000 during the first
15 years after your policy purchase (and your total premiums paid were
$100,000), then you could be assessed a charge of up to $50,000 on the
amount withdrawn. For Series 2 policies, if you were to withdraw
$100,000 during the first 15 years after your policy purchase (and
your total premiums paid were $100,000), then you could be assessed a
charge on the amount withdrawn of up to $50,000 minus the cumulative
monthly contract charge incurred for the first 3 Policy Years.
For more detailed information, see the Prospectus,Table of Fees and Expenses;
Charges Associated with the Policy. | ||
| Transaction Charges |
In addition to surrender charges, you may be charged for other transactions. These
include sales expense charges and tax charges (deducted from each premium
payment), partial withdrawal charges, and charges if you exercise the Insurance
Exchange Rider or the Living Benefits Rider.
We also reserve the right to impose transfer charges (when you transfer Cash Value
between Investment Options), and a returned payment (bad check) fee, but we
currently do not impose these charges.
For more detailed information, see the Prospectus,Table of Fees and Expenses;
Charges Associated with the Policy – Deductions From Premium
Payments; Charges Associated with the Policy – Transaction
Charges. | ||
| Ongoing Fees and
Expenses (annual charges) |
In addition to surrender charges and transaction charges, an investment in the policy
is subject to certain ongoing fees and expenses. Some of these charges, such as the
monthly Cost of Insurance Charge, Flat Extra charges, and certain rider charges (for optional benefits), are set based on individual characteristics of the insured (e.g.,
age, sex, and rating classification). Other ongoing charges include the monthly contract charge (whose calculation differs by series), the Mortality and Expense Risk charge, the Separate Account Administrative charge, loan interest, and certain rider charges. Please refer to your Policy Data Page for rates and the specific fees applicable to your policy. Investors will also bear expenses associated with the Eligible Portfolios , as shown in the following table, which shows the minimum and maximum total operating expenses deducted from Fund assets (before any fee waiver or expense reimbursement) during the year ended December 31, 2025 and which may change from year to year. | ||
| |
FEES AND EXPENSES | ||
| |
Portfolios’ Annual Operating Expenses (expenses that are
deducted from Portfolio assets) | ||
| |
Annual Fee |
Minimum |
Maximum |
| |
Investment Options
(Eligible Portfolio fees
and expenses) |
0.12% |
1.31% |
| |
For more detailed information, see the Prospectus,Table of Fees and Expenses;
Charges Associated with the Policy; and Appendix: Eligible Portfolios Available
Under the Policy for our list of available Eligible Portfolios, the
current expenses for these Portfolios, and the Average Annual Total
Returns. | ||
| |
Risks |
| Risk of Loss |
You can lose money by investing in this policy, including loss of your premiums
(principal).
For more detailed information, see the Prospectus,Summary of Principal Risks of
Investing in the Policy; Management and Organization – About the
Separate Account. |
| Not a Short-Term
Investment |
This policy is not designed for short-term investing and is not appropriate for an
investor who needs ready access to cash.
The policy is designed to provide a Life Insurance Benefit or to help meet other
long-term financial objectives. Substantial fees, expenses, and tax implications
generally make variable life insurance unsuitable as a short-term
savings vehicle. Additionally, the policy may limit your ability to
withdraw a portion of the Cash Value through partial withdrawals or
loans. For more detailed information, see the Prospectus,Summary of
Principal Risks of Investing in the Policy. |
| Risks Associated with
Investment Options |
•An investment in this policy is subject to the risk of poor investment
performance of the Eligible Portfolios you choose, and the value of an
investment can vary depending on the performance of the Eligible
Portfolios. •Each investment option (the Eligible Portfolios and the Fixed Account) has its own unique risks. The performance of the Eligible Portfolios will vary, and some are
riskier than others. •A discussion of the risks of allocating your premiums or Cash Value to one or more
Eligible Portfolios can be found in the prospectuses for the Eligible Portfolios,
which are available at https://dfinview.com/NewYorkLife/TAHD/vul2000. You should review
the prospectuses for the Eligible Portfolios before making an investment
decision. For
more detailed information, see the Prospectus,Summary of Principal Risks of Investing in the Policy; Management and Organization – About the Separate Account. |
| Insurance Company Risks |
An investment in the policy is subject to the risks related to New York Life
Insurance and Annuity Corporation (NYLIAC), including: •Any obligations (including the Fixed Account and the DCA Plus Account),
guarantees, and benefits of the policy are subject to the claims-paying ability and
financial strength of NYLIAC. •There are risks relating to NYLIAC’s administration of the policy, including
cybersecurity and infectious disease outbreak risks. •If NYLIAC experiences financial distress, it may not be able to meet its obligations
to you. More information about NYLIAC, including its financial strength ratings, is
available upon request from NYLIAC at 1-800-598-2019.
For more detailed information, see the Prospectus,Management and Organization;
Financial Statements; Summary of Principal Risks of Investing in the
Policy – Insurance Company Risks; Risks Affecting our
Administration of Your Policy. |
| Contract Lapse |
Your policy can lapse even if you pay all of the planned premiums on time. When a
policy lapses, it has no value, and no benefits are paid upon the death of the
insured. You may also lose the principal invested. A policy can lapse
if the Net Cash Value is
insufficient to pay the monthly deductions and other charges. This can happen due
to insufficient premium payments, poor investment performance, withdrawals, unpaid
loans or loan interest, and policy charges (including increases in
those charges). The larger a policy loan becomes relative to the
policy’s Net Cash Value, the greater the risk that the
policy’s Net Cash Value will not be sufficient to support the policy’s charges and expenses, including any loan interest due, and the greater the risk of the
policy lapsing. A policy lapse may have tax consequences.
A policy that has a Net Cash Value just sufficient to cover monthly deductions and
other charges, or that is otherwise minimally funded, is less likely to maintain its
Net Cash Value due to market fluctuation and other performance related
risks. To continue to keep your policy in force when the no-lapse
guarantee period ends, premium payments significantly higher than the
premium necessary to maintain the no-lapse guarantee benefit may be
required. If the policy lapses, there are costs and premium
requirements associated with reinstatement of the policy.
For more detailed information, see the Prospectus,Summary of Principal Risks of
Investing in the Policy; Termination and Reinstatement; Premiums -
Risk of Minimally Funded Policies. |
| |
Restrictions |
| Investment Options |
•You can select a maximum of 21 investment options among the available Investment Divisions that invest in the Eligible Portfolios, the Fixed Account and/or
the DCA Plus Account. •The minimum amount that you can transfer is $500. The maximum amount that you
can transfer out of the Fixed Account in any Policy Year is the greater of (a) 20%
of the amount in the Fixed Account at the beginning of the Policy
Year, or (b) $5,000. •NYLIAC reserves the right to remove or substitute any Eligible Portfolios
(portfolio companies) as Investment Options that are available under
the policy. •We set limits on the number of electronic or telephonic transfer requests that can
be made in any period. If these limits are exceeded, any subsequent transfer
request must be made by U.S., mail overnight courier.
•In addition, we may limit your ability to make transfers involving the Investment
Divisions if a transfer may disadvantage or potentially harm or hurt the rights of
other policyowners in order to prevent market timing. We will also
reject, reverse, or modify a transfer request if for any reason any of
the Eligible Portfolios do not accept the purchase of its
shares. For
more detailed information, see the Prospectus,Description of the Policy - Investment Divisions, the Fixed Account and the DCA Plus Account; Description of
the Policy - Transfers Among Investment Divisions, the Fixed Account and the DCA
Plus Account; Description of the Policy - Limits on Transfers; and
Appendix: Eligible Portfolios Available under the Policy for our list
of available Eligible Portfolios. |
| Optional Benefits: |
•We may modify or discontinue offering an optional benefit at any
time. •There are limitations on the benefit amounts associated with some optional benefits. •Activation of certain benefits may affect the Face Amount, life insurance
proceeds or other rights under the policy. •Some optional benefits have Policy Year limitations and/or age requirements. •Some optional benefits may have tax implications. •Some optional benefits are only available on Non-Qualified policies. •Some optional benefits may not be used together. •Your choice of Investment Options may be limited if you elect certain benefits or
riders. •We may change these restrictions in the future. For more detailed information, see the Prospectus, Description of the
Policy—Additional Benefits Through Riders and Options. |
| |
Taxes |
| Tax Implications |
•Consult with a tax professional to determine the tax implications of an
investment in and payments received under this policy.
•If you purchase the policy through a tax-qualified plan, you do not get any
additional tax benefit. •Earnings on your policy (if any) are taxed when you withdraw them (or if a policy
loan is not repaid), at ordinary income tax rates, and may be subject to a tax
penalty before age 59 ½. For more detailed information, see
the Prospectus,Summary of Principal Risks of Investing in the
Policy–Tax Risks; Federal Income Tax Considerations. |
| |
Conflicts of Interest |
| Investment Professional
Compensation |
Your investment professional may receive compensation for selling this policy to
you, in the form of commissions, asset-based compensation, allowances
for expenses, and other compensation programs, and because NYLIAC may
share the revenue it earns on this policy with the
professional’s firm. (Your investment professional may be your
registered representative, broker, investment adviser, insurance agent, or someone else). For these reasons, these investment professionals may have a financial incentive to recommend this policy over another policy or investment.
For more detailed information, see the Prospectus,Charges Associated with the
Policy—Commissions Paid to Dealers; Distribution and
Compensation Arrangements. |
| Exchanges |
Some investment professionals may have a financial incentive to offer you a new
policy in place of the one you own. You should only exchange your policy if you
determine, after comparing the features, fees, and risks of both
policies, that it is preferable for you to purchase the new policy
rather than continue to own your existing policy. For more detailed information, see the Prospectus,Tax-Free “Section 1035” Insurance
Policy Exchanges. |
| Portfolio Type |
Portfolio and Adviser/Subadviser |
Current
Expenses |
Average Annual Total Returns
(as of 12/31/2025) | ||
| 1 Year |
5 Year |
10 Year | |||
| Large Cap Equity |
NYLIM VP American Century Large Cap
Equity (formerly NYLI VP American
Century Sustainable Equity)—Initial
Class Adviser: New York Life Investment Management LLC (“New York Life Investments”) Subadviser: American Century Investment Management, Inc. |
0.68% |
11.34%
|
13.96%
|
11.86%
|
| Asset Allocation |
NYLIM VP Balanced—Initial Class Adviser: New York Life Investments Subadvisers: NYL Investors LLC (“NYLI”) and Wellington Management LLP (“Wellington”) |
0.72% |
11.44%
|
7.41%
|
7.30%
|
| Investment Grade Bond |
NYLIM VP Bond—Initial Class Adviser: New York Life Investments Subadviser: NYLI |
0.55% |
6.83%
|
(0.63)
% |
1.96%
|
| International/Global Equity |
NYLIM VP Candriam Emerging Markets
Equity—Initial Class** Adviser: New York Life Investments Subadviser: Candriam |
1.20% |
35.88% |
2.77% |
7.65% |
| Sector |
NYLIM VP CBRE Global
Infrastructure—Initial Class Adviser: New York Life Investments Subadviser: CBRE Investment Management Listed Real Assets LLC |
0.95%* |
15.60%
|
7.06%
|
2.64% |
| Portfolio Type |
Portfolio and Adviser/Subadviser |
Current
Expenses |
Average Annual Total Returns
(as of 12/31/2025) | ||
| 1 Year |
5 Year |
10 Year | |||
| Asset Allocation |
NYLIM VP Conservative
Allocation—Initial Class Adviser: New York Life Investments |
0.55% |
9.56%
|
3.93%
|
5.40%
|
| Large Cap Equity |
NYLIM VP Dimensional U.S.
Equity—Initial Class Adviser: New York Life Investments Subadviser: Dimensional Fund Advisors LP |
0.54% |
13.75%
|
12.39%
|
12.68%
|
| Large Cap Equity |
NYLIM VP Epoch U.S. Equity
Yield—Initial Class Adviser: New York Life Investments Subadviser: Epoch Investment Partners, Inc. ("Epoch") |
0.68%* |
14.24%
|
12.02%
|
9.96%
|
| Asset Allocation |
NYLIM VP Equity Allocation—Initial Class Adviser: New York Life Investments |
0.69% |
13.98%
|
8.17%
|
9.34%
|
| Sector |
NYLIM VP Fidelity Institutional AM®
Utilities—Initial Class Adviser: New York Life Investments Subadviser: FIAM LLC |
0.68% |
13.79%
|
12.34%
|
10.97%
|
| Non-Investment Grade
Bond |
NYLIM VP Floating Rate—Initial Class Adviser: New York Life Investments Subadviser: NYLI |
0.64% |
5.13%
|
5.43%
|
5.01%
|
| Asset Allocation |
NYLIM VP Growth Allocation—Initial
Class Adviser: New York Life Investments |
0.64% |
12.52%
|
7.33%
|
8.32%
|
| Alternatives |
NYLIM VP Hedge Multi-Strategy—Initial
Class Adviser: New York Life Investments |
1.01%* |
8.05%
|
2.92%
|
2.07%
|
| Asset Allocation |
NYLIM VP Income Builder—Initial Class Adviser: New York Life Investments Subadvisers: Epoch and MacKay Shields LLC (“MacKay”) |
0.63%* |
16.99%
|
6.56%
|
7.40% |
| Portfolio Type |
Portfolio and Adviser/Subadviser |
Current
Expenses |
Average Annual Total Returns
(as of 12/31/2025) | ||
| 1 Year |
5 Year |
10 Year | |||
| Asset Allocation |
NYLIM VP Janus Henderson
Balanced—Initial Class Adviser: New York Life Investments Subadviser: Janus Henderson Investors US LLC (“Janus”) |
0.58% |
15.05%
|
8.58%
|
10.19%
|
| Non-Investment Grade
Bond |
NYLIM VP MacKay Convertible—Initial
Class Adviser: New York Life Investments Subadviser: MacKay |
0.59% |
16.40%
|
5.60%
|
10.38%
|
| Non-Investment Grade
Bond |
NYLIM VP MacKay High Yield Corporate
Bond—Initial Class Adviser: New York Life Investments Subadviser: MacKay |
0.59%* |
6.87%
|
4.44%
|
6.14%
|
| Non-Investment Grade
Bond |
NYLIM VP MacKay Strategic
Bond—Initial Class Adviser: New York Life Investments Subadviser: MacKay |
0.65% |
8.87%
|
3.98%
|
4.40%
|
| Investment Grade Bond |
NYLIM VP MacKay U.S. Infrastructure
Bond—Initial Class Adviser: New York Life Investments Subadviser: MacKay |
0.57% |
8.44%
|
0.10%
|
1.38%
|
| Large Cap Equity |
NYLIM VP MFS® Investors Trust—Initial Class
Adviser: New York Life Investments
Subadviser: Massachusetts Financial
Services Company (“MFS”) |
0.75% |
N/A |
N/A |
N/A |
| Large Cap Equity |
NYLIM VP MFS® Research—Initial Class Adviser: New York Life Investments
Subadviser: MFS |
0.76% |
N/A |
N/A |
N/A |
| Asset Allocation |
NYLIM VP Moderate Allocation—Initial
Class Adviser: New York Life Investments |
0.58% |
11.30%
|
5.62%
|
6.88% |
| Portfolio Type |
Portfolio and Adviser/Subadviser |
Current
Expenses |
Average Annual Total Returns
(as of 12/31/2025) | ||
| 1 Year |
5 Year |
10 Year | |||
| Sector |
NYLIM VP Natural Resources—Initial
Class Adviser: New York Life Investments Subadviser: Newton Investment
Management North America, LLC
(“NIMNA”) |
0.85% |
15.20%
|
17.27%
|
10.88%
|
| Sector |
NYLIM VP Newton Technology
Growth—Initial Class Adviser: New York Life Investments Subadviser: NIMNA |
0.78%* |
N/A |
N/A |
N/A |
| Investment Grade Bond |
NYLIM VP PIMCO Real Return—Initial
Class Adviser: New York Life Investments Subadviser: Pacific Investment Management Company LLC (“PIMCO”) |
1.09%* |
8.16%
|
1.36%
|
3.29%
|
| International/Global Equity |
NYLIM VP PineStone International
Equity—Initial Class Adviser: New York Life Investments Subadviser: PineStone Asset Management Inc. |
0.86% |
12.29%
|
0.20%
|
5.44%
|
| Large Cap Equity |
NYLIM VP S&P 500 Index—Initial Class Adviser: New York Life Investments |
0.12%* |
17.72%
|
14.28%
|
14.63%
|
| Small/Mid Cap Equity |
NYLIM VP Schroders Mid Cap
Opportunities—Initial Class Adviser: New York Life Investments Subadviser: Schroder Investment
Management North America |
0.83%* |
7.27%
|
5.05%
|
7.39%
|
| Small/Mid Cap Equity |
NYLIM VP Small Cap Growth—Initial
Class Adviser: New York Life Investments Subadvisers: Brown Advisory, LLC and Segall Bryant & Hamill, LLC |
0.86% |
4.89%
|
1.64%
|
8.95% |
| Portfolio Type |
Portfolio and Adviser/Subadviser |
Current
Expenses |
Average Annual Total Returns
(as of 12/31/2025) | ||
| 1 Year |
5 Year |
10 Year | |||
| Money Market |
NYLIM VP U.S. Government Money
Market—Initial Class Adviser: New York Life Investments Subadviser: NYLI |
0.28%* |
4.05%
|
3.02%
|
1.89%
|
| Large Cap Equity |
NYLIM VP Wellington Growth—Initial
Class** Adviser: New York Life Investments Subadviser: Wellington |
0.73% |
17.06% |
10.37% |
13.45% |
| Small/Mid Cap Equity |
NYLIM VP Wellington Small Cap—Initial
Class Adviser: New York Life Investments Subadviser: Wellington |
0.75%* |
9.53%
|
5.93%
|
7.41%
|
| Large Cap Equity |
NYLIM VP Winslow Large Cap
Growth—Initial Class Adviser: New York Life Investments Subadviser: Winslow Capital Management, Inc. |
0.75% |
14.35%
|
12.69%
|
16.14%
|
| Small/Mid Cap Equity |
AB VPS Discovery Value Portfolio—Class
A Adviser: AllianceBernstein L.P.
(“AB”) |
0.82% |
2.89%
|
8.75%
|
8.55%
|
| Large Cap Value |
AB VPS Relative Value Portfolio—Class
A Adviser: AB |
0.60%* |
10.47%
|
11.42%
|
10.57%
|
| Asset Allocation |
American Funds® IS Asset Allocation
Fund—Class 2 Adviser: Capital Research and Management CompanySM
(“CRMC”) |
0.54% |
15.85%
|
8.97%
|
9.77%
|
| Investment Grade Bond |
American Funds® IS The Bond Fund of
America®—Class 2 Adviser: CRMC |
0.47%* |
7.26%
|
(0.14)%
|
2.36%
|
| Investment Grade Bond |
American Funds® IS Capital World Bond
Fund®—Class 2 Adviser: CRMC |
0.73% |
9.39%
|
(2.50)%
|
1.23% |
| Portfolio Type |
Portfolio and Adviser/Subadviser |
Current
Expenses |
Average Annual Total Returns
(as of 12/31/2025) | ||
| 1 Year |
5 Year |
10 Year | |||
| Large Cap Equity |
American Funds® IS Growth
Fund—Class 2 Adviser: CRMC |
0.58% |
20.24%
|
13.37%
|
17.97%
|
| Large Cap Equity |
American Funds® IS Growth-Income
Fund—Class 2 Adviser: CRMC |
0.53% |
18.06%
|
13.90%
|
13.92%
|
| Sector |
American Funds® IS New World
Fund®—Class 2 Adviser: CRMC |
0.82%* |
28.29%
|
5.33%
|
9.25%
|
| International/Global Equity |
American Funds® IS SMALLCAP World
Fund® (formerly American Funds® IS
Global Small Capitalization Fund)—Class
2 Adviser: CRMC |
0.90%* |
14.64%
|
0.49%
|
7.23%
|
| Investment Grade Bond |
American Funds® IS U.S. Government
Securities Fund®—Class 2 Adviser: CRMC |
0.50%* |
7.75%
|
(0.23)%
|
1.70%
|
| Large Cap Equity |
American Funds® IS Washington Mutual
Investors Fund—Class 2 Adviser: CRMC |
0.50%* |
17.21%
|
13.89%
|
12.36%
|
| Asset Allocation |
BlackRock® Global Allocation V.I.
Fund—Class I Adviser: BlackRock Advisors, LLC (“BlackRock”) Subadviser: BlackRock (Singapore) Limited and BlackRock International Limited |
0.76%* |
19.80%
|
5.79%
|
7.59%
|
| Non-Investment Grade
Bond |
BlackRock® High Yield V.I. Fund—Class I
Adviser: BlackRock Subadviser: BlackRock International Limited |
0.54%* |
9.19%
|
4.79%
|
6.31% |
| Portfolio Type |
Portfolio and Adviser/Subadviser |
Current
Expenses |
Average Annual Total Returns
(as of 12/31/2025) | ||
| 1 Year |
5 Year |
10 Year | |||
| Large Cap Equity |
BNY Mellon Sustainable U.S. Equity
Portfolio—Initial Shares Adviser: BNY Mellon Investment Adviser, Inc. Subadviser: Newton Investment Management Limited |
0.66% |
15.97%
|
11.93%
|
13.56%
|
| Sector |
Columbia Variable Portfolio—Commodity Strategy Fund—Class
1** Adviser: Columbia Management Investment
Advisers, LLC (“Columbia”)
Subadviser: Threadneedle International Limited |
0.75%* |
15.48%
|
12.76%
|
6.75%
|
| Non-Investment Grade
Bond |
Columbia Variable Portfolio—Emerging
Markets Bond Fund—Class 1 Adviser: Columbia |
0.75%* |
12.78%
|
1.70%
|
4.28%
|
| Investment Grade Bond |
Columbia Variable Portfolio—
Intermediate Bond Fund—Class 1 Adviser: Columbia |
0.52% |
9.06%
|
(0.43)%
|
2.77%
|
| Investment Grade Bond |
Columbia Variable Portfolio—Small
Company Growth Fund—Class 1 Adviser: Columbia |
0.87%* |
21.69%
|
3.59%
|
15.19%
|
| Alternatives |
DWS Alternative Asset Allocation
VIP—Class A Adviser: DWS Investment Management Americas Inc. (“DIMA”) Subadviser: RREEF America LLC |
0.93% |
10.50%
|
5.29%
|
4.89%
|
| Small/Mid Cap Equity |
DWS Small Cap Index VIP—Class A Adviser: DIMA Subadviser: Northern Trust Investments,
Inc. |
0.37%* |
12.64%
|
5.84%
|
9.33%
|
| Small/Mid Cap Equity |
DWS Small Mid Cap Value VIP—Class A Adviser: DIMA |
0.80%* |
18.21%
|
9.66%
|
7.57% |
| Portfolio Type |
Portfolio and Adviser/Subadviser |
Current
Expenses |
Average Annual Total Returns
(as of 12/31/2025) | ||
| 1 Year |
5 Year |
10 Year | |||
| Investment Grade Bond |
Fidelity® VIP Bond Index Portfolio—Initial
Class Adviser: Fidelity Management & Research Company (“FMR”) Subadvisers: Other investment advisers |
0.14% |
6.98%
|
(0.57)%
|
N/A |
| Large Cap Equity |
Fidelity® VIP ContrafundSM
Portfolio—Initial Class Adviser: FMR Subadvisers: Other investment advisers |
0.54% |
21.52%
|
15.37%
|
15.78%
|
| International/Global Equity |
Fidelity® VIP Emerging Markets
Portfolio—Initial Class Adviser: FMR Subadvisers: Other investment advisers |
0.87% |
41.20%
|
5.88%
|
10.93%
|
| Large Cap Equity |
Fidelity® VIP Equity-Income
PortfolioSM—Initial Class Adviser: FMR Subadvisers: Other investment advisers |
0.46% |
19.02%
|
12.51%
|
11.60%
|
| Small/Mid Cap Equity |
Fidelity® VIP Extended Market Index
Portfolio—Initial Class Adviser: FMR Subadviser: Geode Capital Management, LLC (“Geode”) |
0.12% |
12.32%
|
8.02%
|
N/A |
| Asset Allocation |
Fidelity® VIP Freedom 2020
PortfolioSM—Initial Class Adviser: FMR |
0.44% |
13.33%
|
4.84%
|
7.38%
|
| Asset Allocation |
Fidelity® VIP Freedom 2030
PortfolioSM—Initial Class Adviser: FMR |
0.49% |
15.52%
|
6.25%
|
8.88%
|
| Asset Allocation |
Fidelity® VIP Freedom 2040
PortfolioSM—Initial Class Adviser: FMR |
0.57% |
18.79%
|
9.01%
|
10.87% |
| Portfolio Type |
Portfolio and Adviser/Subadviser |
Current
Expenses |
Average Annual Total Returns
(as of 12/31/2025) | ||
| 1 Year |
5 Year |
10 Year | |||
| Large Cap Equity |
Fidelity® VIP Growth Opportunities
Portfolio—Initial Class Adviser: FMR Subadvisers: Other investment advisers |
0.56% |
22.02%
|
11.31%
|
19.94%
|
| Sector |
Fidelity® VIP Health Care Portfolio—Initial
Class Adviser: FMR Subadvisers: Other investment advisers |
0.59% |
14.39%
|
4.18%
|
8.75%
|
| International/Global Equity |
Fidelity® VIP International Capital Appreciation
Portfolio—Initial Class Adviser: FMR Subadviser: FIL Investment Advisors
|
0.78% |
18.69%
|
6.26%
|
9.81%
|
| International/Global Equity |
Fidelity® VIP International Index
Portfolio—Initial Class Adviser: FMR Subadviser: Geode |
0.16% |
33.15%
|
8.02%
|
N/A |
| Investment Grade Bond |
Fidelity® VIP Investment Grade Bond
Portfolio—Initial Class Adviser: FMR Subadvisers: Other investment advisers |
0.37% |
7.22%
|
0.06%
|
2.71%
|
| Small/Mid Cap Equity |
Fidelity® VIP Mid Cap Portfolio—Initial
Class Adviser: FMR Subadvisers: Other investment advisers |
0.55% |
11.75%
|
10.10%
|
10.59%
|
| Sector |
Franklin Gold and Precious Metals VIP
Fund—Class 1 Adviser: Franklin Advisers, Inc. (“Franklin”) |
0.70%* |
N/A |
N/A |
N/A |
| Asset Allocation |
Franklin Templeton Aggressive Model
Portfolio—Class I Adviser: Franklin Templeton Fund Adviser, LLC (“FTFA”) Subadviser: Franklin |
0.63% |
17.30%
|
10.41%
|
N/A |
| Portfolio Type |
Portfolio and Adviser/Subadviser |
Current
Expenses |
Average Annual Total Returns
(as of 12/31/2025) | ||
| 1 Year |
5 Year |
10 Year | |||
| Asset Allocation |
Franklin Templeton Conservative Model
Portfolio—Class I Adviser: FTFA Subadviser: Franklin |
0.60% |
9.39%
|
2.92%
|
N/A |
| Asset Allocation |
Franklin Templeton Moderate Model
Portfolio—Class I Adviser: FTFA Subadviser: Franklin |
0.57% |
13.56%
|
6.76%
|
N/A |
| Asset Allocation |
Franklin Templeton Moderately
Aggressive Model Portfolio—Class I Adviser: FTFA Subadviser: Franklin |
0.57% |
15.29%
|
8.12%
|
N/A |
| Asset Allocation |
Franklin Templeton Moderately
Conservative Model Portfolio—Class I Adviser: FTFA Subadviser: Franklin |
0.57% |
11.76%
|
5.17%
|
N/A |
| International/Global Equity |
Goldman Sachs VIT International Equity
Insights Fund—Institutional Class Adviser: Goldman Sachs Asset
Management, L.P. |
0.81%* |
38.48%
|
11.08%
|
8.23%
|
| International/Global Equity |
Invesco V.I. EQV International Equity
Fund—Series I Shares Adviser: Invesco Advisers, Inc. (“Invesco”) |
0.90% |
16.50%
|
3.68%
|
6.22%
|
| Small/Mid Cap Equity |
Invesco V.I. Main Street Small Cap
Fund®—Series I Shares Adviser: Invesco |
0.84% |
8.70%
|
8.34%
|
10.59%
|
| Small/Mid Cap Equity |
Janus Henderson Enterprise
Portfolio—Institutional Shares Adviser: Janus |
0.72% |
7.67%
|
7.62%
|
12.79%
|
| International/Global Equity |
Janus Henderson Global Research
Portfolio—Institutional Shares Adviser: Janus |
0.82% |
20.92%
|
12.51%
|
12.93% |
| Portfolio Type |
Portfolio and Adviser/Subadviser |
Current
Expenses |
Average Annual Total Returns
(as of 12/31/2025) | ||
| 1 Year |
5 Year |
10 Year | |||
| Investment Grade Bond |
Lord Abbett Series Fund, Inc.—Short
Duration Income Portfolio—Class I Adviser: Lord, Abbett & Co. LLC |
0.47%* |
N/A |
N/A |
N/A |
| Large Cap Equity |
LVIP ClearBridge Appreciation
Fund—Standard Class (formerly
ClearBridge Variable Appreciation
Portfolio—Class I) Adviser: Lincoln Financial Investments Corporation (“LFIC”) Subadviser: ClearBridge Investments, LLC |
0.70%* |
14.50%
|
12.72%
|
13.34%
|
| Small/Mid Cap Equity |
LVIP SSgA Mid-Cap Index
Fund—Standard Class Adviser: LFIC Subadviser: SSgA Funds Management, Inc. |
0.35%* |
13.55%
|
9.94%
|
9.31%
|
| International Equity |
MFS® International Intrinsic Equity
Portfolio (formerly MFS® International
Intrinsic Value Portfolio)—Initial Class Adviser: MFS |
0.89%* |
33.26%
|
7.28%
|
9.95%
|
| Mid Cap Equity |
MFS® Mid Cap Value Portfolio—Initial
Class Adviser: MFS |
0.79%* |
5.98%
|
10.18%
|
9.95%
|
| Small/Mid Cap Equity |
MFS® New Discovery Series—Initial
Class Adviser: MFS |
0.87%* |
12.96%
|
(0.28)%
|
10.74%
|
| Foreign Large Blend |
MFS® Research International
Portfolio—Initial Class Adviser: MFS |
0.90%* |
22.05%
|
5.51%
|
7.54%
|
| Small/Mid Cap Equity |
Neuberger Berman AMT Mid Cap Growth
Portfolio—Class I Adviser: Neuberger Berman Investment Advisers LLC |
0.86%* |
5.45%
|
4.47%
|
10.96% |
| Portfolio Type |
Portfolio and Adviser/Subadviser |
Current
Expenses |
Average Annual Total Returns
(as of 12/31/2025) | ||
| 1 Year |
5 Year |
10 Year | |||
| International/Global Equity |
Nomura VIP Emerging Markets Series
(formerly Macquarie VIP Emerging
Markets Series)—Standard Class Adviser: Delaware Management Company, a series of Nomura Investment Management Business Trust |
1.16%* |
81.26%
|
8.81%
|
12.17%
|
| Small/Mid Cap Equity |
Nomura VIP Small Cap Value Series
(formerly Macquarie VIP Small Cap Value
Series)—Standard Class Adviser: Delaware Management
Company, a series of Nomura Investment
Management Business Trust |
0.74% |
8.16%
|
9.26%
|
9.15%
|
| Investment Grade Bond |
PIMCO VIT Income
Portfolio—Institutional Class Adviser: PIMCO |
0.77% |
10.36%
|
3.57%
|
N/A |
| Investment Grade Bond |
PIMCO VIT International Bond Portfolio
(U.S. Dollar-Hedged)—Institutional Class Adviser: PIMCO |
0.94% |
4.10%
|
1.18%
|
3.04%
|
| Investment Grade Bond |
PIMCO VIT Low Duration
Portfolio—Institutional Class Adviser: PIMCO |
0.51% |
5.68%
|
1.72%
|
1.94%
|
| Investment Grade Bond |
PIMCO VIT Short-Term
Portfolio—Institutional Class Adviser: PIMCO |
0.50% |
4.83%
|
3.40%
|
2.91%
|
| Investment Grade Bond |
PIMCO VIT Total Return
Portfolio—Institutional Class Adviser: PIMCO |
0.58% |
9.05%
|
0.16%
|
2.51%
|
| Sector |
Principal VC Real Estate Securities
Account—Class 1 Adviser: Principal Global Investors, LLC Subadviser: Principal Real Estate Investors, LLC |
0.78% |
1.24%
|
4.88%
|
5.94% |
| Portfolio Type |
Portfolio and Adviser/Subadviser |
Current
Expenses |
Average Annual Total Returns
(as of 12/31/2025) | ||
| 1 Year |
5 Year |
10 Year | |||
| International/Global Equity |
Putnam VT International Value
Fund—Class IA Adviser: Putnam Investment Management, LLC Subadvisers: Franklin, Franklin Templeton Investment Management Limited and The Putnam Advisory Company, LLC |
0.81% |
35.07%
|
12.77%
|
9.13%
|
| Large Cap Equity |
Voya Growth and Income
Portfolio—Class I Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC (“Voya”) |
0.67%* |
18.21%
|
15.46%
|
14.62%
|
| Investment Grade Bond |
Voya Intermediate Bond Portfolio —
Class I Adviser: Voya |
0.55%* |
7.71%
|
0.15%
|
2.66%
|
| Investment Grade Bond |
Western Asset Core Plus VIT
Portfolio—Class I** Adviser: FTFA Subadvisers: Western Asset Management Company, LLC; Western Asset Management Company Limited; Western Asset Management Company Ltd.; and Western Asset Management Company Pte. Ltd. |
0.54%* |
7.75%
|
(1.44)%
|
2.11% |