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APP A-1 | |||||
| Contract Owner | The owner or holder of the contact including any joint owner(s) (or ”you”). | ||||
| Contract Value | The total value of your allocations to the Sub-Accounts (and the Fixed Accumulation Feature, if applicable). | ||||
| Fixed Accumulation Feature (FAF): | Part of our General Account, where you may allocate all or a portion of your Contract Value. In your Contract, the FAF may be called the "Fixed Account." | ||||
| Fund | A registered investment company or a series thereof in which assets of a Sub-Account may be invested. | ||||
| Guarantee Period | The period for which the Guarantee Rae is credited. | ||||
| Market Value Adjustment (“MVA”): | An adjustment that may apply when amounts are withdrawn or otherwise removed from a multi-year Guarantee Period more than 15 days before or after the maturity date. | ||||
| Premium Payment | Money sent to us to be invested in your Contract. | ||||
| Sub-Accounts | The variable investment options under the Contract, also referred to as Fund options. | ||||
| Sub-Account Value | The value of your allocations to the Sub-Accounts. | ||||
| FEES, EXPENSES, AND ADJUSTMENTS | Location in Prospectus | |||||||||||||||||||
| Are There Charges or Adjustments for Early Withdrawals? | Yes. Market Value Adjustments. If you withdraw or otherwise remove amounts from a multi-year Guarantee Period more than 15 days before or after the end of the Guarantee Period, we may apply an MVA, which may be negative. In extreme circumstances, you could lose up to 100% of the amount withdrawn or otherwise removed due to a negative MVA. For example, if you were to withdraw $100,000 from a multi-year Guarantee Period outside of the specified 30-day period, you could lose up to $100,000 of the amount withdrawn. This loss will be greater if you also have to pay taxes and tax penalties. An MVA may apply to withdrawals (including full withdrawals, partial withdrawals, and withdrawals to pay advisory fees), transfers, annuitization, and death benefits. | 4. Fee Table 7. The Contract - c. Charges, Fees, and Adjustments | ||||||||||||||||||
| Are There Transaction Charges? | Yes. In addition to MVAs, we reserve the right to impose a Transfer Fee not to exceed $25 per transfer. Currently, we do not impose this charge. | 4. Fee Table 7. The Contract - c. Charges, Fees, and Adjustments | ||||||||||||||||||
| Are There Ongoing Fees and Expenses? | Yes, the table below describes the current fees and expenses of the contract that you may pay each year, depending on the investment options you choose. Please refer to your contract specifications page for information about the specific fees you will pay each year based on the options you have elected. Fees and expenses do not reflect any advisory fees paid to financial intermediaries from Contract Value or other assets of the Contract Owner. If such charges were reflected, the fees and expenses would be higher. | 4. Fee Table 7. The Contract - c. Charges, Fees, and Adjustments Appendix A - Investment Options Available Under the Contract | ||||||||||||||||||
| Annual Fee | Minimum | Maximum | ||||||||||||||||||
| Base Contract | 0.46%¹ | 0.46%¹ | ||||||||||||||||||
| Fund fees and expenses | 0.13%² | 1.90%² | ||||||||||||||||||
1 As a percentage of average daily Sub-Account Values. Includes the Mortality and Expense Risk Charge, plus a percentage attributable to the Annual Maintenance Fee. 2 As a percentage of fund net assets. | ||||||||||||||||||||
Because your contract is customizable, the choices you make affect how much you will pay. To help you understand the cost of owning your contract, the following table shows the lowest and highest cost you could pay each year, based on current charges. This estimate assumes that you do not take withdrawals from the contract, which could add negative MVAs that substantially increase costs. | ||||||||||||||||||||
| Lowest Annual Cost: $729 | Highest Annual Cost: $2,712 | |||||||||||||||||||
| Assumes: | Assumes: | |||||||||||||||||||
•Investment of $100,000 | •Investment of $100,000 | |||||||||||||||||||
•5% annual appreciation | •5% annual appreciation | |||||||||||||||||||
•Least expensive Fund fees and expenses | •Most expensive Fund fees and expenses | |||||||||||||||||||
•No sales charges or advisory fees | •No sales charges or advisory fees | |||||||||||||||||||
•No additional premium payments, transfers or withdrawals | •No additional premium payments, transfers or withdrawals | |||||||||||||||||||
| RISKS | Location in Prospectus | |||||||||||||||||||
| Is There a Risk of Loss from Poor Performance? | Yes. You can lose money by investing in this contract, including loss of principal. | 5. Principal Risks of Investing in the Contract 6. General Information | ||||||||||||||||||
| Is this a Short-Term Investment? | No. •This contract is not designed for short-term investing and is not appropriate for an investor who needs ready access to cash. •Amounts withdrawn or otherwise removed from a multi-year Guarantee Period more than 15 days before or after the end of the Guarantee Period may result in a negative MVA. •The benefits of tax deferral and long-term income are generally more beneficial to investors with a long-time horizon. •Withdrawals could result in significant reductions to account value, the death benefit, and other contract benefits, possibly by more than the amount withdrawn. •Withdrawals may be subject to taxes, and a 10% penalty tax may be applied to withdrawals before age 59½. •At the end of a Guarantee Period, your contract Value in the matured Guarantee Period will be reallocated, withdrawn, or annuitized according to your instructions. In the absence of instructions, the contract Value will be automatically reallocated to a new Guarantee Period that is the same length as the matured Guarantee Period. | |||||||||||||||||||
| What are the Risks Associated with the Investment Options? | •An investment in this contract is subject to the risk of poor investment performance. Performance can vary depending on the performance of the investment options that you choose under the contract (e.g., Funds). •Each investment option (including any Guarantee Period and the FAF) has its own unique risks. •You should review the available investment options before making an investment decision. | |||||||||||||||||||
| What are the Risks Related to the Insurance Company? | An investment in the contract is subject to the risks related to us. Any obligations (including under any Guarantee Period and the FAF), guarantees or benefits of the contract are subject to our claims-paying ability. If we experience financial distress, we may not be able to meet our obligations to you. More information about Union Security is available by calling 1-800-877-7705. | |||||||||||||||||||
| RESTRICTIONS | Location in Prospectus | |||||||||||||||||||
| Are There Restrictions on the Investment Options? | Yes. •There are restrictions that may limit the investment options you may choose, as well as limitations on the transfer of Contract Value among investment options. •We may discontinue, modify or amend any of the benefit programs we currently offer. •Guarantee Periods are not available in all states. •You are allowed to make 1 transfer between the Fund options per day. You are allowed to make 20 transfers between the Fund options per year before we require you to submit additional transfer requests by mail. Your transfers between the Fund options are subject to policies designed to deter excessively frequent transfers and market timing. These transfer restrictions do not apply to transfers under the contract's automatic transfer programs. •Transfers out of a multi-year Guarantee Period may be subject to a negative MVA. •If you transfer amounts out of a one-year Guarantee Period to the Fund options, you may not transfer from the Fund options back into a one-year Guarantee Period for six months. •We reserve the right to remove or substitute Funds as investment options. •We will no longer accept additional Premium Payments into any individual annuity contract funded through a 403(b) plan. •The availability of Contract benefits may vary depending on the broker-dealer through which the Contact is sold. | 6. General Information 7. The Contract - a. Purchases and Contract Value 11. Additional Information - a. State Variations Appendix A - Investment Options Available Under the Contract Appendix D - Financial Intermediary Variations | ||||||||||||||||||
| Are There any Restrictions on Contract Benefits? | Yes. •There are restrictions and limitations relating to the benefits offered under the contract (e.g., death benefits). •We may discontinue, modify or amend any of the benefit programs we currently offer. •Death benefits paid from a multi-year Guarantee Period may be subject to a negative MVA. Additionally, withdrawals may reduce the benefit by more than the amount withdrawn. •If you receive services for your Contract from a third-party financial intermediary who charges an advisory fee for their services, that fee is in addition to Contract fees and expenses. If you elect to pay the advisory fee by taking withdrawals from your Contract Value, the deduction for that fee may be subject to an MVA. Withdrawals to pay advisory fees will also reduce benefits under the Contract, including the Death Benefit, and may be subject to federal and state income taxes and a 10% federal penalty tax. •The availability of Contract benefits may vary depending on the broker-dealer through which the Contact is sold. | 8. Benefits Available Under the Contract 9. Death Benefit 10. Other Programs Available Appendix A - Investment Options Available Under the Contract Appendix D - Financial Intermediary Variations | ||||||||||||||||||
| TAXES | Location in Prospectus | |||||||||||||||||||
| What are the Contract's Tax Implications? | •Consult with a tax professional to determine the tax implications of an investment in and payments received under the contract. •If you purchased the contract through a tax-qualified plan or IRA, you do not get any additional tax deferral under the contract. •Earnings on your contract are taxed at ordinary income rates when you withdraw them and you may have to pay a penalty if you take a withdrawal before age 59½. | 12. Federal Tax Considerations | ||||||||||||||||||
| CONFLICTS OF INTEREST | Location in Prospectus | |||||||||||||||||||
| How are Investment Professionals Compensated? | Your investment professional may receive compensation for selling this contract to you, in the form of commissions, additional payments, and non-cash compensation. We may share the revenue we earn on this contract with your investment professional's firm. This conflict of interest may influence your investment professional to recommend this contract over another investment for which the investment professional is not compensated or compensated less. | 11. Additional Information - c. Miscellaneous - How Contracts Were Sold | ||||||||||||||||||
| Should I Exchange My Contract? | Some investment professionals may have a financial incentive to offer you a new contract in place of the one you already own. You should only exchange a contract you already own if you determine, after comparing the features, fees and risks of both contracts, and any fees or penalties to terminate your existing contract, that it is better for you to purchase the new contract rather than continue to own your existing contract. | 7. The Contract - a. Purchases and Contract Value - Replacement of Annuities | ||||||||||||||||||
| Type | Fund and Adviser/Subadviser | Current Expenses | Average Annual Total Returns (as of 12/31/25) | ||||||||||||||
| 1 Year | 5 Year | 10 Year | |||||||||||||||
| U.S. Equity | AB VPS Large Cap Growth Portfolio - Class A Adviser: AllianceBernstein, L.P. | 0.65% | 13.14% | 12.04% | 16.17% | ||||||||||||
| U.S. Equity | Allspring VT Discovery SMID Cap Growth Fund - Class 2 Adviser: Allspring Funds Management, LLC Subadviser: Allspring Global Investments, LLC | 1.13% | 5.39% | (2.46)% | 9.94% | ||||||||||||
| U.S. Equity | BlackRock S&P 500 Index V.I. Fund - Class I Adviser: BlackRock Advisors, LLC | 0.13% | 17.72% | 14.28% | 14.63% | ||||||||||||
| Fixed Income | Federated Hermes Fund for U.S. Government Securities II Adviser: Federated Investment Management Company | 0.78%* | 6.80% | (0.84)% | 1.06% | ||||||||||||
| Fixed Income | Federated Hermes High Income Bond Fund II Adviser: Federated Investment Management Company | 0.81%* | 8.23% | 3.70% | 5.59% | ||||||||||||
| Allocation | Federated Hermes Managed Volatility Fund II Adviser: Federated Global Investment Management Corp., Federated Investment Management Company and Federated Equity Management Company of Pennsylvania | 0.97%* | 7.03% | 6.56% | 6.85% | ||||||||||||
| Fixed Income | Hartford Ultrashort Bond HLS Fund - Class IA Adviser: Hartford Funds Management Company, LLC Subadviser: Wellington Management Company LLP | 0.45% | 4.51% | 2.88% | 2.21% | ||||||||||||
| U.S. Equity | Invesco V.I. Core Equity Fund - Series I Adviser: Invesco Advisers, Inc. | 0.80% | 16.17% | 12.81% | 11.73% | ||||||||||||
| Money Market | Invesco V.I. Government Money Market Fund - Series I** Adviser: Invesco Advisers, Inc. | 0.38% | 4.03% | 3.05% | 1.96% | ||||||||||||
| Sector Equity | Invesco V.I. Health Care Fund - Series I Adviser: Invesco Advisers, Inc. | 0.99% | 15.33% | 3.80% | 6.58% | ||||||||||||
| Sector Equity | Invesco V.I. Technology Fund - Series I Adviser: Invesco Advisers, Inc. | 0.96% | 20.47% | 10.30% | 15.78% | ||||||||||||
| Allocation | LVIP American Century VP Balanced Fund - Standard Class II Adviser: American Century Investment Management, Inc. | 0.77%* | 9.62% | 6.49% | 8.03% | ||||||||||||
| U.S. Equity | LVIP American Century VP Capital Appreciation Fund - Standard Class II Adviser: American Century Investment Management, Inc. | 0.79%* | 6.72% | 5.16% | 11.47% | ||||||||||||
| U.S. Equity | MFS® Growth Series - Initial Class Adviser: Massachusetts Financial Services Company | 0.73%* | 12.19% | 11.10% | 15.60% | ||||||||||||
| Fixed Income | MFS® High Yield Portfolio - Initial Class Adviser: Massachusetts Financial Services Company | 0.72%* | 8.65% | 3.87% | 5.56% | ||||||||||||
| Fixed Income | MFS® Income Portfolio - Initial Class Adviser: Massachusetts Financial Services Company | 0.67%* | 7.33% | 0.66% | 3.58% | ||||||||||||
| International Equity | NVIT Fidelity Institutional AM Emerging Markets Fund - Class D Adviser: Nationwide Fund Advisors Subadviser: NS Partners Ltd | 1.46%* | 35.77% | 0.70% | 5.98% | ||||||||||||
| Fixed Income | Short Duration Bond Portfolio - Class I Adviser: Neuberger Berman Investment Advisers LLC | 0.93% | 5.71% | 2.56% | 2.30% | ||||||||||||
| U.S. Equity | Neuberger Berman Quality Equity Fund - Class I (formerly Neuberger Berman Sustainable Equity Portfolio) Adviser: Neuberger Berman Investment Advisers LLC | 0.87% | 13.74% | 12.83% | 12.94% | ||||||||||||
| Type | Fund and Adviser/Subadviser | Current Expenses | Average Annual Total Returns (as of 12/31/25) | ||||||||||||||
| 1 Year | 5 Year | 10 Year | |||||||||||||||
| Fixed Income | VanEck VIP Emerging Markets Bond Fund - Initial Class Adviser: Van Eck Associates Corporation | 1.10%* | 18.49% | 3.91% | 5.24% | ||||||||||||
| Sector Equity | VanEck VIP Global Resources Fund - Initial Class Adviser: Van Eck Associates Corporation | 1.08% | 36.48% | 10.51% | 8.33% | ||||||||||||
| U.S. Equity | Victory Pioneer Fund VCT Portfolio - Class I Adviser: Victory Capital Management Inc. | 0.75%* | 23.36% | 14.98% | 15.75% | ||||||||||||
| U.S. Equity | Victory Pioneer Select Mid Cap Growth VCT Portfolio - Class I Adviser: Victory Capital Management Inc. | 0.86%* | 20.48% | 5.73% | 11.93% | ||||||||||||
| International Equity | Voya Global High Dividend Low Volatility Portfolio - Class S Adviser: Voya Investments, LLC Subadviser: Voya Investment Management Co. LLC | 0.85%* | 18.73% | 10.25% | 8.78% | ||||||||||||
| International Equity | VY® JPMorgan Emerging Markets Equity Portfolio - Class I Adviser: Voya Investments, LLC Subadviser: J.P. Morgan Investment Management Inc. | 1.19%* | 39.06% | 0.29% | 9.27% | ||||||||||||
| * | As noted, annual expenses reflect a contractual fee reduction under an expense reimbursement or fee waiver arrangement. | ||||
| ** | In a low interest rate environment, yields for money market funds, after deduction of contract charges, may be negative even though the fund’s yield, before deducting for such charges, is positive. If you allocate a portion of your Contact Value to a money market Sub-Account or participate in an Asset Allocation Program, if available, where Contract Value is allocated to a money market Sub-Account, that portion of the value of your Contract Value may decrease in value. | ||||
| Name | Term | Minimum Guaranteed Interest Rate | ||||||
| Fixed Accumulation Feature | N/A | 3% | ||||||
| Name* | Term | Minimum Guaranteed Interest Rate | ||||||
| Guarantee Period | 1 Year | 3% | ||||||
| Guarantee Period | 2 Years | 3% | ||||||
| Guarantee Period | 3 Years | 3% | ||||||
| Guarantee Period | 4 Years | 3% | ||||||
| Guarantee Period | 5 Years | 3% | ||||||
| Guarantee Period | 6 Years | 3% | ||||||
| Guarantee Period | 7 Years | 3% | ||||||
| Guarantee Period | 8 Years | 3% | ||||||
| Guarantee Period | 9 Years | 3% | ||||||
| Guarantee Period | 10 Years | 3% | ||||||