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SEPARATE ACCOUNT LLVL 2026-05-01 <table cellpadding="0" cellspacing="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse"> <tr style="background-color: #BFBFBF"> <td style="border-top: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; width: 20%; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%"> </td> <td style="border-top: Black 1pt solid; border-bottom: Black 1pt solid; width: 60%; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">Fees and Expenses</td> <td style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; vertical-align: top; width: 20%"> Location in Prospectus</td></tr> <tr> <td style="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Charges for Early Withdrawals</td> <td id="xdx_989_evip--ChargesForEarlyWithdrawalsTextBlock_c20260501__20260501_zbP65hjaeWij" style="border-right: Black 1pt solid"> You can Surrender the Policy in full at any time for its Cash Surrender Value, or, within limits, withdraw part of the Account Value. This Policy has no Surrender charge. We currently do not charge for early withdrawals, but may in the future charge up to $50.</td> <td style="border-right: Black 1pt solid"> <a href="#Fee_Table">FEE TABLE</a> <a href="#Charges">CHARGES</a> <a href="#Princ_Risks">PRINCIPAL RISKS OF INVESTING IN THE POLICY</a> <a href="#Surrenders_Withdrawals">SURRENDERS AND WITHDRAWALS</a></td></tr> <tr> <td style="border: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Transaction Charges</td> <td id="xdx_98C_evip--TransactionChargesTextBlock_c20260501__20260501_zYt420QGFg87" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> You may also be charged for other transactions (such as when you make a premium payment (Maximum Sales Charge Imposed On Premiums (Loads)), transfer Account Value between Investment Options (Transfer Fee), or request an illustration (Illustration Fee)). You will be charged a $14 fee for a wire transfer if you request one. The fee is deducted from the gross amount of the Policy Loan, partial withdrawal, or Surrender.</td> <td style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> <a href="#Fee_Table">FEE TABLE</a> <a href="#Charges">CHARGES</a></td></tr> </table> <table cellpadding="0" cellspacing="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse"> <tr> <td style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Ongoing Fees and Expenses (annual charges)</td> <td colspan="3" style="border-top: Black 1pt solid; border-right: Black 1pt solid"> In addition to transaction charges, an investment in the Policy is subject to certain ongoing fees and expenses, including fees and expenses covering the cost of insurance under the Policy and the cost of optional benefits available under the Policy; such fees and expenses are set based on characteristics of the Insured (e.g., age, gender, and rating classification). There is also a monthly administration fee and a monthly specified amount charge. Please refer to your Policy Specification Page for rates and the specific fees applicable to your Policy. The fees and expenses disclosed below do not reflect any Advisory Fees paid to third-party financial professionals from your Account Value or other assets. If such Advisory Fees were reflected, the fees and expenses disclosed below would be higher. You will also bear expenses associated with the Investment Options as shown in the following table.</td> <td style="border-top: Black 1pt solid; border-right: Black 1pt solid"> <a href="#Fee_Table">FEE TABLE</a> <a href="#Charges">CHARGES</a> </td></tr> <tr> <td style="border-right: Black 1pt solid; border-left: Black 1pt solid; width: 20%; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%"> </td> <td style="border-bottom: Black 1pt solid; width: 32%; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%"> </td> <td style="border-bottom: Black 1pt solid; width: 14%; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center"> </td> <td style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; width: 14%; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center"> </td> <td style="border-right: Black 1pt solid; width: 20%; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%"> </td></tr> <tr> <td style="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%"> </td> <td style="border-bottom: Black 1pt solid; background-color: #D9D9D9; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Annual Fee</td> <td style="border-bottom: Black 1pt solid; background-color: #D9D9D9; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">Minimum</td> <td style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; background-color: #D9D9D9; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">Maximum</td> <td style="border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%"> </td></tr> <tr> <td style="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%"> </td> <td style="border-bottom: Black 1pt solid; background-color: white"> Investment Options (Portfolio Company fees and expenses)*</td> <td id="xdx_987_evip--InvestmentOptionsOfAverageAnnualNetAssetsMinimumPercent_uRatio_c20260501__20260501_zgKf3uKsFj9f" style="border-bottom: Black 1pt solid; background-color: white; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">0.09%</td> <td id="xdx_984_evip--InvestmentOptionsOfAverageAnnualNetAssetsMaximumPercent_uRatio_c20260501__20260501_zZUTDFiayAd1" style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; background-color: white; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">3.23%</td> <td style="border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%"> </td></tr> <tr> <td style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%"> </td> <td colspan="3" id="xdx_980_evip--InvestmentOptionsFootnotesTextBlock_c20260501__20260501_zGgzvXovOyW1" style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; background-color: white; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">* Before any Waivers and Reductions</td> <td style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%"> </td></tr> </table> You can Surrender the Policy in full at any time for its Cash Surrender Value, or, within limits, withdraw part of the Account Value. This Policy has no Surrender charge. We currently do not charge for early withdrawals, but may in the future charge up to $50. 0 You may also be charged for other transactions (such as when you make a premium payment (Maximum Sales Charge Imposed On Premiums (Loads)), transfer Account Value between Investment Options (Transfer Fee), or request an illustration (Illustration Fee)). You will be charged a $14 fee for a wire transfer if you request one. The fee is deducted from the gross amount of the Policy Loan, partial withdrawal, or Surrender. <table cellpadding="0" cellspacing="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse"> <tr> <td style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Ongoing Fees and Expenses (annual charges)</td> <td colspan="3" style="border-top: Black 1pt solid; border-right: Black 1pt solid"> In addition to transaction charges, an investment in the Policy is subject to certain ongoing fees and expenses, including fees and expenses covering the cost of insurance under the Policy and the cost of optional benefits available under the Policy; such fees and expenses are set based on characteristics of the Insured (e.g., age, gender, and rating classification). There is also a monthly administration fee and a monthly specified amount charge. Please refer to your Policy Specification Page for rates and the specific fees applicable to your Policy. The fees and expenses disclosed below do not reflect any Advisory Fees paid to third-party financial professionals from your Account Value or other assets. If such Advisory Fees were reflected, the fees and expenses disclosed below would be higher. You will also bear expenses associated with the Investment Options as shown in the following table.</td> <td style="border-top: Black 1pt solid; border-right: Black 1pt solid"> <a href="#Fee_Table">FEE TABLE</a> <a href="#Charges">CHARGES</a> </td></tr> <tr> <td style="border-right: Black 1pt solid; border-left: Black 1pt solid; width: 20%; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%"> </td> <td style="border-bottom: Black 1pt solid; width: 32%; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%"> </td> <td style="border-bottom: Black 1pt solid; width: 14%; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center"> </td> <td style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; width: 14%; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center"> </td> <td style="border-right: Black 1pt solid; width: 20%; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%"> </td></tr> <tr> <td style="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%"> </td> <td style="border-bottom: Black 1pt solid; background-color: #D9D9D9; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Annual Fee</td> <td style="border-bottom: Black 1pt solid; background-color: #D9D9D9; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">Minimum</td> <td style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; background-color: #D9D9D9; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">Maximum</td> <td style="border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%"> </td></tr> <tr> <td style="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%"> </td> <td style="border-bottom: Black 1pt solid; background-color: white"> Investment Options (Portfolio Company fees and expenses)*</td> <td id="xdx_987_evip--InvestmentOptionsOfAverageAnnualNetAssetsMinimumPercent_uRatio_c20260501__20260501_zgKf3uKsFj9f" style="border-bottom: Black 1pt solid; background-color: white; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">0.09%</td> <td id="xdx_984_evip--InvestmentOptionsOfAverageAnnualNetAssetsMaximumPercent_uRatio_c20260501__20260501_zZUTDFiayAd1" style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; background-color: white; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">3.23%</td> <td style="border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%"> </td></tr> <tr> <td style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%"> </td> <td colspan="3" id="xdx_980_evip--InvestmentOptionsFootnotesTextBlock_c20260501__20260501_zGgzvXovOyW1" style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; background-color: white; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">* Before any Waivers and Reductions</td> <td style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%"> </td></tr> </table> 0.0009 0.0323 * Before any Waivers and Reductions <table cellpadding="0" cellspacing="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse"> <tr style="background-color: #BFBFBF"> <td style="border-top: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; width: 20%; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%"> </td> <td style="border-top: Black 1pt solid; border-bottom: Black 1pt solid; width: 60%; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">Risks</td> <td style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; width: 20%; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%"> </td></tr> <tr> <td style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Risk of Loss</td> <td id="xdx_98E_evip--RiskTextBlock_c20260501__20260501__vip--RiskAxis__vip--RiskOfLossMember_zhLKbL3yqZEd" style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">You can lose money by investing in this Policy, including loss of your premiums (principal).</td> <td style="border-right: Black 1pt solid; border-bottom: Black 1pt solid"> <a href="#Cover_Page">Cover Page</a> <a href="#Princ_Risks">PRINCIPAL RISKS OF INVESTING IN THE POLICY</a></td></tr> <tr> <td style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Not a Short-Term Investment</td> <td id="xdx_98D_evip--RiskTextBlock_c20260501__20260501__vip--RiskAxis__vip--NotShortTermInvestmentRiskMember_zLPsazKK687k" style="border-right: Black 1pt solid; border-bottom: Black 1pt solid"> The Policy is designed to provide lifetime insurance protection. It is not a short-term investment, and is not appropriate for an investor who needs ready access to cash. The Policy will usually be unsuitable for short-term savings or short-term life insurance needs. Due to the long-term nature of the Policy, you should consider whether purchasing the Policy is consistent with the purpose for which it is being considered.</td> <td style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%"><a href="#Princ_Risks">PRINCIPAL RISKS OF INVESTING IN THE POLICY</a></td></tr> <tr> <td style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Risks Associated with Investment Options</td> <td id="xdx_986_evip--RiskTextBlock_c20260501__20260501__vip--RiskAxis__vip--InvestmentOptionsRiskMember_zxrNadcMfCd7" style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">An investment in the Policy is subject to the risk of poor investment performance and can vary depending on the performance of the Investment Options available under the Policy. Each Investment Option (including the Fixed Account) will have its own unique risks. You should review these Investment Options before making an investment decision. The Fixed Account is subject to the financial strength and claims paying ability of the Company. </td> <td style="border-right: Black 1pt solid; border-bottom: Black 1pt solid"> <a href="#Princ_Risks">PRINCIPAL RISKS OF INVESTING IN THE POLICY</a> <a href="#The_Separate_Account">THE SEPARATE ACCOUNT</a> <a href="#Portfolio_Companies"></a> <a href="#Portfolio_Companies">PORTFOLIO COMPANIES</a> <a href="#Appendix_A">APPENDIX A</a></td></tr> <tr> <td style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Insurance Company Risks</td> <td id="xdx_98F_evip--RiskTextBlock_c20260501__20260501__vip--RiskAxis__vip--InsuranceCompanyRiskMember_z39YPr0mbzL9" style="border-right: Black 1pt solid; border-bottom: Black 1pt solid"> An investment in the Policy is subject to the risks related to the Company including that any obligations (including under the Fixed Account Investment Option), guarantees, or benefits are subject to the claims-paying ability of the Company. Additional information about the Company, including its financial strength ratings, is available on its website, ameritas.com/about/financial-strength, or is available upon request by contacting our Service Center at 800-255-9678.</td> <td style="border-right: Black 1pt solid; border-bottom: Black 1pt solid"> <a href="#Cover_Page">Cover Page</a> <a href="#General_Description">GENERAL DESCRIPTION OF THE POLICY</a></td></tr> <tr> <td style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Policy Lapse</td> <td id="xdx_982_evip--RiskTextBlock_c20260501__20260501__vip--RiskAxis__custom--PolicyLapseMember_zcfmOCcMkYM5" style="border-right: Black 1pt solid; border-bottom: Black 1pt solid"> Your Policy will lapse if there are insufficient premium payments, poor investment performance, withdrawals, unpaid Policy Loans, or Policy Loan interest. There is a cost associated with, and limitations on, reinstating a lapsed Policy. Death benefits will not be paid if the Policy has lapsed.</td> <td style="border-right: Black 1pt solid; border-bottom: Black 1pt solid"> <a href="#Princ_Risks">PRINCIPAL RISKS OF INVESTING IN THE POLICY</a> <a href="#Lapse_Reinstatement">LAPSE AND REINSTATEMENT</a></td></tr> </table> You can lose money by investing in this Policy, including loss of your premiums (principal). The Policy is designed to provide lifetime insurance protection. It is not a short-term investment, and is not appropriate for an investor who needs ready access to cash. The Policy will usually be unsuitable for short-term savings or short-term life insurance needs. Due to the long-term nature of the Policy, you should consider whether purchasing the Policy is consistent with the purpose for which it is being considered. An investment in the Policy is subject to the risk of poor investment performance and can vary depending on the performance of the Investment Options available under the Policy. Each Investment Option (including the Fixed Account) will have its own unique risks. You should review these Investment Options before making an investment decision. The Fixed Account is subject to the financial strength and claims paying ability of the Company. An investment in the Policy is subject to the risks related to the Company including that any obligations (including under the Fixed Account Investment Option), guarantees, or benefits are subject to the claims-paying ability of the Company. Additional information about the Company, including its financial strength ratings, is available on its website, ameritas.com/about/financial-strength, or is available upon request by contacting our Service Center at 800-255-9678. Your Policy will lapse if there are insufficient premium payments, poor investment performance, withdrawals, unpaid Policy Loans, or Policy Loan interest. There is a cost associated with, and limitations on, reinstating a lapsed Policy. Death benefits will not be paid if the Policy has lapsed. Transfers must be at least $250, or the entire Subaccount or Fixed Account if less. The first 15 transfers each Policy year are free. Thereafter, we charge $10 for each transfer. In addition to the right of each portfolio company to impose restrictions on excessive trading, we reserve the right to reject or restrict, in our sole discretion, transfers initiated by a market timing organization or individual or other party authorized to give transfer instructions. We further reserve the right to impose restrictions on transfers we determine, in our sole discretion, will disadvantage or potentially hurt the rights or interest of other Policy Owners. A transfer from the Fixed Account (except made pursuant to a systematic transfer program) may be made only once each Policy Year; may be delayed up to six months and is limited during any Policy Year to the greater of 25% of the Fixed Account value on the date of the transfer during that Policy Year, the greatest amount of any non-systematic transfer out of the Fixed Account during the previous 13 months; or $1,000. Ameritas Life reserves the right to remove or substitute portfolio companies as Investment Options that are available under the Policy. Some optional benefits were available to be elected at Policy issue only. Optional benefit riders to the Policy may have separate incontestability provisions. Withdrawals reduce the Account Value and in some cases the Specified Amount which may reduce some of the benefits available under riders where the rider benefit is based on the Specified Amount of the base Policy, and make it potentially more likely the entire Policy, including the rider, would lapse. Systematic Transfer Programs such as Dollar Cost Averaging, Portfolio Rebalancing, and Earnings Sweep are also available. You may obtain a loan secured by the Cash Surrender Value of your Policy. Any loan transaction will permanently affect your Account Value. A Policy Loan, whether or not repaid, will affect the Cash Surrender Value of your Policy over time. If the Policy Owner elects to pay the Advisory Fees from the Account Value, this will reduce the Account Value and death benefit under the Policy by the same calculation as any other withdrawals, with the exception that the Specified Amount will not be reduced by the amount of these Advisory Fees. In addition, Advisory Fee withdrawals may be subject to federal and state income taxes and may be subject to a 10% federal tax penalty. We may discontinue offering, or modify the terms of, optional benefits for new sales at any time. You should consult with a tax professional to determine the tax implications of an investment in and payments received under this Policy. There is no additional tax benefit if you purchase the Policy through a tax-qualified plan or individual retirement account (IRA). Unpaid Policy Loans, partial withdrawals and Surrenders may be subject to ordinary income tax and tax penalties. We and/or an affiliate may pay cash compensation from our own resources pursuant to marketing and education arrangements we have in place with broker-dealers and their marketing organizations. We do not pay commissions to these broker-dealers pursuant to a selling agreement. Your representative may receive compensation relating to our sale of this Policy to you, both in the form of compensation and additional cash benefits (e.g., bonuses), and non-cash compensation. This conflict of interest provides a financial incentive that may influence your representative to recommend this Policy over another investment for which the representative is not compensated or compensated less. Some representatives may have a financial incentive to offer you a new policy in place of the one you already 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. <table cellpadding="0" cellspacing="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse"> <tr> <td style="border-bottom: Black 1.5pt solid; width: 100%; font-weight: normal; line-height: 90%; font-size: 14pt">FEE TABLE</td></tr> </table> The following tables describe the fees and expenses that you will pay when buying, owning, and Surrendering or making withdrawals from the Policy. Please refer to your Policy Specifications Page for information about the specific fees you will pay each year based on the options you have elected. The fees and expenses do not reflect any advisory fees paid to financial professionals from the Account Value or other assets owned by the Policy Owner; if those charges were reflected, the fees and expenses would be higher. The first table describes the fees and expenses that you will pay at the time that you buy the Policy, pay a premium, Surrender or make withdrawals from the Policy, or transfer cash value between Investment Options. <table cellpadding="0" cellspacing="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse"> <tr style="vertical-align: top; background-color: #D9D9D9"> <td colspan="4" style="border: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">TRANSACTION FEES</td></tr> <tr style="vertical-align: top"> <td style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">Charge</td> <td style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">When Charge Is Deducted</td> <td colspan="2" style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">Amount Deducted</td></tr> <tr style="vertical-align: top; background-color: #D9D9D9"> <td id="xdx_98A_evip--SalesLoadDescriptionTextBlock_c20260501__20260501_fKg_____zRh8w29mFala" style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">MAXIMUM SALES CHARGE IMPOSED ON PREMIUMS (LOAD)*</td> <td id="xdx_98A_evip--SalesLoadWhenDeductedTextBlock_c20260501__20260501_zAYbI4c6NNTb" style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">When each premium is paid.</td> <td colspan="2" id="xdx_980_evip--SalesLoadOfPremiumPaymentsMaximumPercent_uRatio_c20260501__20260501_zebnMTbyHOJ7" style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">5.0%</td></tr> <tr style="vertical-align: top"> <td id="xdx_981_evip--PremiumTaxesDescriptionTextBlock_c20260501__20260501_fKio___zYql9i0QSW3e" style="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">PREMIUM TAXES**</td> <td id="xdx_98E_evip--PremiumTaxesWhenDeductedTextBlock_c20260501__20260501_fKio___zyis5cDAQ9If" style="border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">Not taken as a separate deduction.**</td> <td colspan="2" id="xdx_984_evip--PremiumTaxesOfPremiumPaymentsMaximumPercent_uRatio_c20260501__20260501_zGykiockEOXk" style="border-right: Black 1pt solid; padding-right: 0.05in; padding-left: 1.45pt; line-height: 90%; text-align: right">0%</td></tr> <tr style="vertical-align: top; background-color: #D9D9D9"> <td id="xdx_98D_evip--DeferredSalesChargeDescriptionTextBlock_c20260501__20260501_zjkQvtra7Ije" style="border: Black 1pt solid; width: 33%; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">MAXIMUM DEFERRED SALES CHARGE (LOAD)</td> <td id="xdx_98F_evip--DeferredSalesChargeWhenDeductedTextBlock_c20260501__20260501_zSzKhSpYRlAi" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; width: 31%; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">None</td> <td style="border-top: Black 1pt solid; border-bottom: Black 1pt solid; width: 27%; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%"> </td> <td id="xdx_985_evip--DeferredSalesLoadOfAmountSurrenderedMaximumPercent_uRatio_c20260501__20260501_zRJHg7kjfyY5" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; width: 9%; padding-right: 0.05in; padding-left: 1.45pt; line-height: 90%; text-align: right">0%</td></tr> <tr style="vertical-align: top"> <td style="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">OTHER SURRENDER FEES:</td> <td style="border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center"> </td> <td style="padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%"> </td> <td style="border-right: Black 1pt solid; padding-right: 0.05in; padding-left: 1.45pt; line-height: 90%; text-align: right"> </td></tr> <tr style="vertical-align: top"> <td id="xdx_98E_evip--OtherSurrenderFeesDescriptionTextBlock_c20260501__20260501__vip--ContractAxis__custom--PartialWithdrawalChargeMember_zYjN9wtqdfG5" style="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Partial Withdrawal Charge</td> <td id="xdx_98D_evip--OtherSurrenderFeesWhenDeductedTextBlock_c20260501__20260501__vip--ContractAxis__custom--PartialWithdrawalChargeMember_zoPqEkLsExQh" style="border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">Upon each withdrawal.</td> <td style="padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%"> </td> <td id="xdx_98C_evip--OtherSurrenderFeesMaximumDollars_uUSD_c20260501__20260501__vip--ContractAxis__custom--PartialWithdrawalChargeMember_z0fzB5jY5TKg" style="border-right: Black 1pt solid; padding-right: 0.05in; padding-left: 1.45pt; line-height: 90%; text-align: right">$50</td></tr> <tr style="vertical-align: top"> <td style="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%"> </td> <td style="border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center"> </td> <td style="padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%"> </td> <td style="border-right: Black 1pt solid; padding-right: 0.05in; padding-left: 1.45pt; line-height: 90%; text-align: right"> </td></tr> <tr style="vertical-align: top"> <td id="xdx_98C_evip--OtherSurrenderFeesDescriptionTextBlock_c20260501__20260501__vip--ContractAxis__custom--WireTransferFeeMember_zPdvNoYWIyXb" style="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Wire Transfer Fee (per wire)</td> <td id="xdx_982_evip--OtherSurrenderFeesWhenDeductedTextBlock_c20260501__20260501__vip--ContractAxis__custom--WireTransferFeeMember_zjDdboWndhLj" style="border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">As requested by Policy Owner</td> <td style="padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%"> </td> <td id="xdx_981_evip--OtherSurrenderFeesMaximumDollars_uUSD_c20260501__20260501__vip--ContractAxis__custom--WireTransferFeeMember_zO92InCxCQ4e" style="border-right: Black 1pt solid; padding-right: 0.05in; padding-left: 1.45pt; line-height: 90%; text-align: right">$14</td></tr> <tr style="vertical-align: top"> <td style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%"> </td> <td style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%"> </td> <td style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 0.05in; padding-left: 1.45pt; line-height: 90%; text-align: right"> </td></tr> <tr style="vertical-align: top; background-color: #D9D9D9"> <td id="xdx_987_evip--TransferFeesDescriptionTextBlock_c20260501__20260501_zmPCwMkJXsjh" style="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">TRANSFER FEES</td> <td id="xdx_983_evip--TransferFeesWhenDeductedTextBlock_c20260501__20260501__vip--ContractAxis__custom--TransferFeeFirst15Member_zSEp5EWXw2eb" style="border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">First 15 transfers per year;</td> <td style="padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%"> </td> <td id="xdx_989_evip--TransferFeeMinimumDollars_uUSD_c20260501__20260501__vip--ContractAxis__custom--TransferFeeFirst15Member_z3MZM5y4t1t8" style="border-right: Black 1pt solid; padding-right: 0.05in; padding-left: 1.45pt; line-height: 90%; text-align: right">$0</td></tr> <tr style="vertical-align: top; background-color: #D9D9D9"> <td style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%"> </td> <td id="xdx_980_evip--TransferFeesWhenDeductedTextBlock_c20260501__20260501__vip--ContractAxis__custom--TransferFeesEachAdditionalTransferMember_z2r7fYERwU97" style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">Each additional transfer.</td> <td style="border-bottom: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%"> </td> <td id="xdx_988_evip--TransferFeeMaximumDollars_uUSD_c20260501__20260501__vip--ContractAxis__custom--TransferFeesEachAdditionalTransferMember_za4OgLl51blf" style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 0.05in; padding-left: 1.45pt; line-height: 90%; text-align: right">$10</td></tr> <tr style="vertical-align: top; background-color: white"> <td id="xdx_98D_evip--OtherTransactionFeeDescriptionTextBlock_c20260501__20260501__vip--ContractAxis__custom--IllustrationFeeMember_zSVcWopVEBrc" style="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">ILLUSTRATION FEE </td> <td id="xdx_983_evip--OtherTransactionFeeWhenDeductedTextBlock_c20260501__20260501__vip--ContractAxis__custom--FirstIllustrationRequestPerYearMember_z6yfgjHfpYBb" style="border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">First illustration request per year;</td> <td style="padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%"> </td> <td id="xdx_98A_evip--OtherTransactionFeeMinimumDollars_uUSD_c20260501__20260501__vip--ContractAxis__custom--FirstIllustrationRequestPerYearMember_z4FZkXXwiGkb" style="border-right: Black 1pt solid; padding-right: 0.05in; padding-left: 1.45pt; line-height: 90%; text-align: right">$0</td></tr> <tr style="vertical-align: top; background-color: white"> <td style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%"> </td> <td id="xdx_985_evip--OtherTransactionFeeWhenDeductedTextBlock_c20260501__20260501__vip--ContractAxis__custom--EachAdditionalIllustrationRequestMember_z0dyqAjAGLuh" style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">Each additional illustration request.</td> <td style="border-bottom: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%"> </td> <td id="xdx_985_evip--OtherTransactionFeeMaximumDollars_uUSD_c20260501__20260501__vip--ContractAxis__custom--EachAdditionalIllustrationRequestMember_zpD9WqrDVc05" style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 0.05in; padding-left: 1.45pt; line-height: 90%; text-align: right">$50</td></tr> </table> <table cellpadding="0" cellspacing="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse"> <tr style="vertical-align: top"> <td style="width: 5%; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">*</td> <td style="width: 95%; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">This premium charge is deducted from each premium payment as it is processed (except if it is a premium that is transferred from another Company policy). Premium taxes are paid from this charge.</td></tr> <tr style="vertical-align: top"> <td style="padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">**</td> <td style="padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Premium Taxes are paid by the Company from the Maximum Sales Charge Imposed On Premiums (Load). See CHARGES section for more information.</td></tr> </table> The next table describes the fees and expenses that you will pay periodically during the time that you own the Policy, not including Subaccount portfolio company operating fees and expenses. <table cellpadding="0" cellspacing="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse"> <tr style="vertical-align: top; background-color: #D9D9D9"> <td colspan="4" style="border: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">PERIODIC CHARGES OTHER THAN ANNUAL PORTFOLIO COMPANY CHARGES</td></tr> <tr style="vertical-align: top"> <td style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">Charge</td> <td style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">When Charge Is Deducted</td> <td colspan="2" style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">Amount Deducted*</td></tr> <tr style="vertical-align: top"> <td style="border-right: Black 1pt solid; border-left: Black 1pt solid; width: 30%; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">BASE POLICY CHARGE:</td> <td style="border-right: Black 1pt solid; width: 22%; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center"> </td> <td style="width: 27%; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%"> </td> <td style="border-right: Black 1pt solid; width: 21%; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%"> </td></tr> <tr style="vertical-align: top; background-color: #D9D9D9"> <td id="xdx_986_evip--InsuranceCostDescriptionTextBlock_c20260501__20260501_fKg_____zzLI1ETl1EZ3" style="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Cost of Insurance *</td> <td id="xdx_987_evip--InsuranceCostWhenDeductedTextBlock_c20260501__20260501_zfsoquZzbcka" style="border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">Monthly</td> <td colspan="2" style="border-right: Black 1pt solid; padding-right: 0.05in; padding-left: 1.45pt; line-height: 90%">(Rate is per $1,000 of the amount of the Net Amount at Risk)</td></tr> <tr style="vertical-align: top; background-color: #D9D9D9"> <td style="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%"> </td> <td style="border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center"> </td> <td style="padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%"> </td> <td style="border-right: Black 1pt solid; padding-right: 0.05in; padding-left: 1.45pt; line-height: 90%; text-align: right"> </td></tr> <tr style="vertical-align: top; background-color: #D9D9D9"> <td style="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%"> </td> <td style="border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center"> </td> <td style="padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Varies (1)</td> <td style="border-right: Black 1pt solid; padding-right: 0.05in; padding-left: 1.45pt; line-height: 90%; text-align: right"> </td></tr> <tr style="vertical-align: top; background-color: #D9D9D9"> <td style="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%"> </td> <td style="border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center"> </td> <td style="padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Minimum Charge</td> <td id="xdx_985_evip--InsuranceCostMinimumDollars_pid_uUSD_c20260501__20260501_fKDEp_zOTxKHyGcz67" style="border-right: Black 1pt solid; padding-right: 0.05in; padding-left: 1.45pt; line-height: 90%; text-align: right">$0.01</td></tr> <tr style="vertical-align: top; background-color: #D9D9D9"> <td style="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%"> </td> <td style="border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center"> </td> <td style="padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Maximum Charge</td> <td id="xdx_987_evip--InsuranceCostMaximumDollars_pid_uUSD_c20260501__20260501_fKDEp_z3SUAX0p9xQ7" style="border-right: Black 1pt solid; padding-right: 0.05in; padding-left: 1.45pt; line-height: 90%; text-align: right">$83.33</td></tr> <tr style="vertical-align: top; background-color: #D9D9D9"> <td style="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%"> </td> <td style="border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center"> </td> <td style="padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Charge for Representative Insured (2)</td> <td id="xdx_98A_evip--InsuranceCostRepresentativeInvestorTextBlock_uUSD_c20260501__20260501_fKDIp_zjudHxR5PSWj" style="border-right: Black 1pt solid; padding-right: 0.05in; padding-left: 1.45pt; line-height: 90%; text-align: right">$0.09</td></tr> <tr style="vertical-align: top; background-color: #D9D9D9"> <td style="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%"> </td> <td style="border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center"> </td> <td style="padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%"> </td> <td style="border-right: Black 1pt solid; padding-right: 0.05in; padding-left: 1.45pt; line-height: 90%; text-align: right"> </td></tr> <tr style="vertical-align: top"> <td id="xdx_98C_evip--AnnualMaintenanceFeeDescriptionTextBlock_c20260501__20260501_zbf4Ohz5fDP5" style="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Annual Maintenance Fee</td> <td id="xdx_980_evip--AnnualMaintenanceFeeWhenDeductedTextBlock_c20260501__20260501_z3tg1IjpTco4" style="border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">None</td> <td colspan="2" id="xdx_98E_evip--AnnualMaintenanceFeeMaximumDollars_uUSD_c20260501__20260501_zHh3QOdabNp" style="border-right: Black 1pt solid; padding-right: 0.05in; padding-left: 1.45pt; line-height: 90%; text-align: right">$0.00</td></tr> <tr style="vertical-align: top"> <td style="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%"> </td> <td style="border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center"> </td> <td style="padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%"> </td> <td style="border-right: Black 1pt solid; padding-right: 0.05in; padding-left: 1.45pt; line-height: 90%; text-align: right"> </td></tr> <tr style="vertical-align: top; background-color: #D9D9D9"> <td id="xdx_98D_evip--MortalityAndExpenseRiskFeesDescriptionTextBlock_c20260501__20260501_zNjVJ5ujvUWe" style="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Mortality and Expense Risk Fees</td> <td id="xdx_98A_evip--MortalityAndExpenseRiskFeesWhenDeductedTextBlock_c20260501__20260501_ztfMrEAgbxdi" style="border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">Daily</td> <td colspan="2" style="border-right: Black 1pt solid; padding-right: 0.05in; padding-left: 1.45pt; line-height: 90%">Risk Charge (for mortality and expense risk equal to % shown) (3)</td></tr> <tr style="vertical-align: top; background-color: #D9D9D9"> <td style="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%"> </td> <td style="border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center"> </td> <td style="padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Policy Years 1-15</td> <td id="xdx_982_evip--MortalityAndExpenseRiskFeesOfOtherAmountMaximumPercent_pid_uRatio_c20260501__20260501__vip--ContractAxis__custom--PolicyYears1To15Member_fKDMp_zSAjJnzD6oOl" style="border-right: Black 1pt solid; padding-right: 0.05in; padding-left: 1.45pt; line-height: 90%; text-align: right">0.0024590% </td></tr> <tr style="vertical-align: top; background-color: #D9D9D9"> <td style="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%"> </td> <td style="border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center"> </td> <td style="padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Policy Years 16+</td> <td id="xdx_98E_evip--MortalityAndExpenseRiskFeesOfOtherAmountMaximumPercent_pid_uRatio_c20260501__20260501__vip--ContractAxis__custom--PolicyYears16AndAfterMember_fKDMp_zEE2l2DcOA6" style="border-right: Black 1pt solid; padding-right: 0.05in; padding-left: 1.45pt; line-height: 90%; text-align: right">0.0008197% </td></tr> <tr style="vertical-align: top; background-color: #D9D9D9"> <td style="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%"> </td> <td style="border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center"> </td> <td style="padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%"> </td> <td style="border-right: Black 1pt solid; padding-right: 0.05in; padding-left: 1.45pt; line-height: 90%; text-align: right"> </td></tr> <tr style="vertical-align: top"> <td id="xdx_98D_evip--AdministrativeExpenseDescriptionTextBlock_c20260501__20260501_z1PNLjeC2Yzd" style="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Administrative Expenses</td> <td id="xdx_98D_evip--AdministrativeExpenseWhenDeductedTextBlock_c20260501__20260501_zdPkRfu5JRFe" style="border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">Monthly</td> <td style="padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Specified Amounts $100,000 - $249,999</td> <td id="xdx_98C_evip--AdministrativeExpenseMaximumDollars_uUSD_c20260501__20260501__vip--ContractAxis__custom--SpecifiedAmounts100000to249999Member_zLs8iUdY6Ubg" style="border-right: Black 1pt solid; padding-right: 0.05in; padding-left: 1.45pt; line-height: 90%; text-align: right">$25</td></tr> <tr style="vertical-align: top"> <td style="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%"> </td> <td style="border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center"> </td> <td style="padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Specified Amounts $250,000 - $499,999</td> <td id="xdx_983_evip--AdministrativeExpenseMaximumDollars_uUSD_c20260501__20260501__vip--ContractAxis__custom--SpecifiedAmounts250000to499999Member_zDC9g3mnPW53" style="border-right: Black 1pt solid; padding-right: 0.05in; padding-left: 1.45pt; line-height: 90%; text-align: right">$25</td></tr> <tr style="vertical-align: top; background-color: white"> <td style="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%"> </td> <td style="border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center"> </td> <td style="padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Specified Amounts $500,000 +</td> <td id="xdx_989_evip--AdministrativeExpenseMaximumDollars_uUSD_c20260501__20260501__vip--ContractAxis__custom--SpecifiedAmountOver500000Member_zleVuNol8fSf" style="border-right: Black 1pt solid; padding-right: 0.05in; padding-left: 1.45pt; line-height: 90%; text-align: right">$25</td></tr> <tr style="vertical-align: top; background-color: white"> <td style="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%"> </td> <td style="border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center"> </td> <td style="padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%"> </td> <td style="border-right: Black 1pt solid; padding-right: 0.05in; padding-left: 1.45pt; line-height: 90%; text-align: right"> </td></tr> <tr style="vertical-align: top; background-color: #D9D9D9"> <td id="xdx_98C_evip--AdministrativeExpenseDescriptionTextBlock_c20260501__20260501__vip--ContractAxis__custom--MonthlySpecifiedAmountChargeMember_ztHZK4JjRzqj" style="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Monthly Specified Amount Charge</td> <td id="xdx_987_evip--AdministrativeExpenseWhenDeductedTextBlock_c20260501__20260501__vip--ContractAxis__custom--MonthlySpecifiedAmountChargeMember_zhCI6WpbRI0e" style="border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">Monthly</td> <td colspan="2" rowspan="3" style="border-right: Black 1pt solid"> Rates are per $1,000 of base Policy Specified Amount. Level charge during the first 30 Policy years or the first 30 Policy years after an increase in base Policy</td></tr> <tr style="vertical-align: top; background-color: #D9D9D9"> <td style="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%"> </td> <td style="border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center"> </td></tr> <tr style="vertical-align: top; background-color: #D9D9D9"> <td style="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%"> </td> <td style="border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center"> </td></tr> <tr style="vertical-align: top; background-color: #D9D9D9"> <td style="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%"> </td> <td style="border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center"> </td> <td style="padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Specified Amount.</td> <td style="border-right: Black 1pt solid; padding-right: 0.05in; padding-left: 1.45pt; line-height: 90%; text-align: right"> </td></tr> <tr style="vertical-align: top; background-color: #D9D9D9"> <td style="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%"> </td> <td style="border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center"> </td> <td style="padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%"> </td> <td style="border-right: Black 1pt solid; padding-right: 0.05in; padding-left: 1.45pt; line-height: 90%; text-align: right"> </td></tr> <tr style="vertical-align: top; background-color: #D9D9D9"> <td style="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%"> </td> <td style="border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center"> </td> <td style="padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Varies (4)</td> <td style="border-right: Black 1pt solid; padding-right: 0.05in; padding-left: 1.45pt; line-height: 90%; text-align: right"> </td></tr> <tr style="vertical-align: top; background-color: #D9D9D9"> <td style="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%"> </td> <td style="border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center"> </td> <td style="padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Policy Year 2</td> <td style="border-right: Black 1pt solid; padding-right: 0.05in; padding-left: 1.45pt; line-height: 90%; text-align: right"> </td></tr> <tr style="vertical-align: top; background-color: #D9D9D9"> <td style="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%"> </td> <td style="border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center"> </td> <td style="padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Minimum Charge</td> <td id="xdx_98B_evip--AdministrativeExpenseMinimumDollars_pid_uUSD_c20260501__20260501__vip--ContractAxis__custom--MonthlySpecifiedAmountChargeMember_fKDQp_zWmSozt2yjWg" style="border-right: Black 1pt solid; padding-right: 0.05in; padding-left: 1.45pt; line-height: 90%; text-align: right">$0.10</td></tr> <tr style="vertical-align: top; background-color: #D9D9D9"> <td style="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%"> </td> <td style="border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center"> </td> <td style="padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Maximum Charge</td> <td id="xdx_985_evip--AdministrativeExpenseMaximumDollars_pid_uUSD_c20260501__20260501__vip--ContractAxis__custom--MonthlySpecifiedAmountChargeMember_fKDQp_zfepvHwLZXo6" style="border-right: Black 1pt solid; padding-right: 0.05in; padding-left: 1.45pt; line-height: 90%; text-align: right">$0.68</td></tr> <tr style="vertical-align: top; background-color: #D9D9D9"> <td style="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%"> </td> <td style="border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center"> </td> <td style="padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Charge for Representative Insured (2)</td> <td id="xdx_988_evip--AdministrativeExpenseRepresentativeInvestorTextBlock_uUSD_c20260501__20260501__vip--ContractAxis__custom--MonthlySpecifiedAmountChargeMember_fKDIp_z5GyzkCJdOAi" style="border-right: Black 1pt solid; padding-right: 0.05in; padding-left: 1.45pt; line-height: 90%; text-align: right">$0.13</td></tr> <tr style="vertical-align: top; background-color: #D9D9D9"> <td style="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%"> </td> <td style="border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center"> </td> <td style="padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%"> </td> <td style="border-right: Black 1pt solid; padding-right: 0.05in; padding-left: 1.45pt; line-height: 90%; text-align: right"> </td></tr> <tr style="vertical-align: top; background-color: white"> <td id="xdx_981_evip--AdministrativeExpenseDescriptionTextBlock_c20260501__20260501__vip--ContractAxis__custom--TerminalIllnessRiderMember_zjpg7JhztFX2" style="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Accelerated Death Benefit for Terminal Illness Rider</td> <td id="xdx_98B_evip--AdministrativeExpenseWhenDeductedTextBlock_c20260501__20260501__vip--ContractAxis__custom--TerminalIllnessRiderMember_fKDUp_zP5oJkg2q3x8" style="border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">When Benefit Exercised (5)</td> <td style="padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%"> </td> <td id="xdx_982_evip--AdministrativeExpenseMaximumDollars_uUSD_c20260501__20260501__vip--ContractAxis__custom--TerminalIllnessRiderMember_z3mksbtWHLg" style="border-right: Black 1pt solid; padding-right: 0.05in; padding-left: 1.45pt; line-height: 90%; text-align: right">$250</td></tr> <tr style="vertical-align: top; background-color: white"> <td style="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%"> </td> <td style="border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center"> </td> <td style="padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%"> </td> <td style="border-right: Black 1pt solid; padding-right: 0.05in; padding-left: 1.45pt; line-height: 90%; text-align: right"> </td></tr> <tr style="vertical-align: top; background-color: #D9D9D9"> <td id="xdx_98A_evip--AdministrativeExpenseDescriptionTextBlock_c20260501__20260501__vip--ContractAxis__custom--OverloanProtectionBenefitEndorsementMember_zNk0hJy1Tkal" style="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Overloan Protection Benefit Endorsement</td> <td id="xdx_98D_evip--AdministrativeExpenseWhenDeductedTextBlock_c20260501__20260501__vip--ContractAxis__custom--OverloanProtectionBenefitEndorsementMember_fKDYp_zPV7X2dYxDSg" style="border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">When Benefit Exercised (6)</td> <td colspan="2" style="border-right: Black 1pt solid; padding-right: 0.05in; padding-left: 1.45pt; line-height: 90%">Calculated as a percentage times the Account Value.</td></tr> <tr style="vertical-align: top; background-color: #D9D9D9"> <td style="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%"> </td> <td style="border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center"> </td> <td style="padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%"> </td> <td id="xdx_989_evip--AdministrativeExpenseOfOtherAmountMaximumPercent_uRatio_c20260501__20260501__vip--ContractAxis__custom--OverloanProtectionBenefitEndorsementMember_zAdhJNPveTck" style="border-right: Black 1pt solid; padding-right: 0.05in; padding-left: 1.45pt; line-height: 90%; text-align: right">3.5%</td></tr> <tr style="vertical-align: top; background-color: #D9D9D9"> <td style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%"> </td> <td style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%"> </td> <td style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 0.05in; padding-left: 1.45pt; line-height: 90%; text-align: right"> </td></tr> </table> <table cellpadding="0" cellspacing="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse"> <tr style="vertical-align: top; background-color: #D9D9D9"> <td colspan="4" style="border: Black 1pt solid; padding-right: 0.05in; padding-left: 1.45pt; line-height: 90%; text-align: center">PERIODIC CHARGES OTHER THAN ANNUAL PORTFOLIO COMPANY CHARGES, continued</td></tr> <tr style="vertical-align: top; background-color: white"> <td style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">Charge</td> <td style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">When Charge Is Deducted</td> <td colspan="2" style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 0.05in; padding-left: 1.45pt; line-height: 90%; text-align: center">Amount Deducted*</td></tr> <tr style="vertical-align: top"> <td style="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">OPTIONAL BENEFIT CHARGES:</td> <td style="border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center"> </td> <td colspan="2" style="border-right: Black 1pt solid; padding-right: 0.05in; padding-left: 1.45pt; line-height: 90%"> </td></tr> <tr style="vertical-align: top"> <td style="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%"> </td> <td style="border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center"> </td> <td colspan="2" style="border-right: Black 1pt solid; padding-right: 0.05in; padding-left: 1.45pt; line-height: 90%"> </td></tr> <tr style="vertical-align: top; background-color: #D9D9D9"> <td id="xdx_98A_evip--OptionalBenefitChargeDescriptionTextBlock_c20260501__20260501__vip--ContractAxis__custom--ChildrensInsuranceRiderMember_z9uM1gwCSHM3" style="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Children's Insurance Rider </td> <td id="xdx_985_evip--OptionalBenefitChargeWhenDeductedTextBlock_c20260501__20260501__vip--ContractAxis__custom--ChildrensInsuranceRiderMember_zizwdj4F99u5" style="border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">Monthly</td> <td colspan="2" style="border-right: Black 1pt solid; padding-right: 0.05in; padding-left: 1.45pt; line-height: 90%">Rate is a per $1,000 of the rider benefit Amount.</td></tr> <tr style="vertical-align: top; background-color: #D9D9D9"> <td style="border-right: Black 1pt solid; border-left: Black 1pt solid; width: 30%; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%"> </td> <td style="border-right: Black 1pt solid; width: 21%; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center"> </td> <td style="width: 25%; padding-right: 0.05in; padding-left: 1.45pt; line-height: 90%"> </td> <td style="border-right: Black 1pt solid; width: 24%; padding-right: 0.05in; padding-left: 1.45pt; line-height: 90%; text-align: right"> </td></tr> <tr style="vertical-align: top; background-color: #D9D9D9"> <td style="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%"> </td> <td style="border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center"> </td> <td style="padding-right: 0.05in; padding-left: 1.45pt; line-height: 90%">Varies (7)</td> <td style="border-right: Black 1pt solid; padding-right: 0.05in; padding-left: 1.45pt; line-height: 90%; text-align: right"> </td></tr> <tr style="vertical-align: top; background-color: #D9D9D9"> <td style="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%"> </td> <td style="border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center"> </td> <td style="padding-right: 0.05in; padding-left: 1.45pt; line-height: 90%">Policy Year 2</td> <td style="border-right: Black 1pt solid; padding-right: 0.05in; padding-left: 1.45pt; line-height: 90%; text-align: right"> </td></tr> <tr style="vertical-align: top; background-color: #D9D9D9"> <td style="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%"> </td> <td style="border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center"> </td> <td style="padding-right: 0.05in; padding-left: 1.45pt; line-height: 90%">Minimum Charge</td> <td id="xdx_98D_evip--OptionalBenefitExpenseMinimumDollars_pid_uUSD_c20260501__20260501__vip--ContractAxis__custom--ChildrensInsuranceRiderMember_fKDcp_zNGd6UrQjZfe" style="border-right: Black 1pt solid; padding-right: 0.05in; padding-left: 1.45pt; line-height: 90%; text-align: right">$0.48</td></tr> <tr style="vertical-align: top; background-color: #D9D9D9"> <td style="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%"> </td> <td style="border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center"> </td> <td style="padding-right: 0.05in; padding-left: 1.45pt; line-height: 90%">Maximum Charge</td> <td id="xdx_98D_evip--OptionalBenefitExpenseMaximumDollars_pid_uUSD_c20260501__20260501__vip--ContractAxis__custom--ChildrensInsuranceRiderMember_fKDcp_zXZsxjaj9RT4" style="border-right: Black 1pt solid; padding-right: 0.05in; padding-left: 1.45pt; line-height: 90%; text-align: right">$0.48</td></tr> <tr style="vertical-align: top; background-color: #D9D9D9"> <td style="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%"> </td> <td style="border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center"> </td> <td style="padding-right: 0.05in; padding-left: 1.45pt; line-height: 90%">Charge for Representative Insured (7)</td> <td id="xdx_987_evip--OptionalBenefitChargeRepresentativeInvestorTextBlock_uUSD_c20260501__20260501__vip--ContractAxis__custom--ChildrensInsuranceRiderMember_fKDcp_ztsqEF82VcKk" style="border-right: Black 1pt solid; padding-right: 0.05in; padding-left: 1.45pt; line-height: 90%; text-align: right">$0.48</td></tr> <tr style="vertical-align: top; background-color: #D9D9D9"> <td style="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%"> </td> <td style="border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center"> </td> <td colspan="2" style="border-right: Black 1pt solid; padding-right: 0.05in; padding-left: 1.45pt; line-height: 90%"> </td></tr> <tr style="vertical-align: top"> <td id="xdx_980_evip--OptionalBenefitChargeDescriptionTextBlock_c20260501__20260501__vip--ContractAxis__custom--WaiverOfMonthlyDeductionRiderMember_zgQ4OMX5Ep5g" style="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Waiver of Monthly Deduction Rider</td> <td id="xdx_98F_evip--OptionalBenefitChargeWhenDeductedTextBlock_c20260501__20260501__vip--ContractAxis__custom--WaiverOfMonthlyDeductionRiderMember_zjKrZFwyRGQb" style="border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">Monthly</td> <td colspan="2" style="border-right: Black 1pt solid; padding-right: 0.05in; padding-left: 1.45pt; line-height: 90%">Rates are per $100 of the Monthly Deduction.</td></tr> <tr style="vertical-align: top"> <td style="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%"> </td> <td style="border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center"> </td> <td style="padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%"> </td> <td style="border-right: Black 1pt solid; padding-right: 0.05in; padding-left: 1.45pt; line-height: 90%; text-align: right"> </td></tr> <tr style="vertical-align: top"> <td style="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%"> </td> <td style="border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center"> </td> <td style="padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Varies (1)</td> <td style="border-right: Black 1pt solid; padding-right: 0.05in; padding-left: 1.45pt; line-height: 90%; text-align: right"> </td></tr> <tr style="vertical-align: top"> <td style="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%"> </td> <td style="border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center"> </td> <td style="padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Minimum</td> <td id="xdx_98C_evip--OptionalBenefitExpenseMinimumDollars_pid_uUSD_c20260501__20260501__vip--ContractAxis__custom--WaiverOfMonthlyDeductionRiderMember_fKDEp_zRJedqGFnkFa" style="border-right: Black 1pt solid; padding-right: 0.05in; padding-left: 1.45pt; line-height: 90%; text-align: right">$1.48</td></tr> <tr style="vertical-align: top"> <td style="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%"> </td> <td style="border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center"> </td> <td style="padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Maximum</td> <td id="xdx_98B_evip--OptionalBenefitExpenseMaximumDollars_pid_uUSD_c20260501__20260501__vip--ContractAxis__custom--WaiverOfMonthlyDeductionRiderMember_fKDEp_z82abVY4wLv7" style="border-right: Black 1pt solid; padding-right: 0.05in; padding-left: 1.45pt; line-height: 90%; text-align: right">$17.28</td></tr> <tr style="vertical-align: top"> <td style="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%"> </td> <td style="border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center"> </td> <td style="padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Charge for Representative Insured (8)</td> <td id="xdx_981_evip--OptionalBenefitChargeRepresentativeInvestorTextBlock_uUSD_c20260501__20260501__vip--ContractAxis__custom--WaiverOfMonthlyDeductionRiderMember_fKDgp_zWPr0GgHEM5g" style="border-right: Black 1pt solid; padding-right: 0.05in; padding-left: 1.45pt; line-height: 90%; text-align: right">$2.34</td></tr> <tr style="vertical-align: top"> <td style="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%"> </td> <td style="border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center"> </td> <td style="padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%"> </td> <td style="border-right: Black 1pt solid; padding-right: 0.05in; padding-left: 1.45pt; line-height: 90%; text-align: right"> </td></tr> <tr style="vertical-align: top; background-color: #D9D9D9"> <td id="xdx_98E_evip--OptionalBenefitChargeDescriptionTextBlock_c20260501__20260501__vip--ContractAxis__custom--WaiverOfSpecifiedPremiumRiderMember_z2o7Fwemd752" style="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Waiver of Specified Premium Rider</td> <td id="xdx_98E_evip--OptionalBenefitChargeWhenDeductedTextBlock_c20260501__20260501__vip--ContractAxis__custom--WaiverOfSpecifiedPremiumRiderMember_zOLKtDPHRlR" style="border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">Monthly</td> <td colspan="2" style="border-right: Black 1pt solid; padding-right: 0.05in; padding-left: 1.45pt; line-height: 90%">Rate is per $100 of the monthly rider benefit amount.</td></tr> <tr style="vertical-align: top; background-color: #D9D9D9"> <td style="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%"> </td> <td style="border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center"> </td> <td style="padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%"> </td> <td style="border-right: Black 1pt solid; padding-right: 0.05in; padding-left: 1.45pt; line-height: 90%; text-align: right"> </td></tr> <tr style="vertical-align: top; background-color: #D9D9D9"> <td style="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%"> </td> <td style="border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center"> </td> <td style="padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Varies (1)</td> <td style="border-right: Black 1pt solid; padding-right: 0.05in; padding-left: 1.45pt; line-height: 90%; text-align: right"> </td></tr> <tr style="vertical-align: top; background-color: #D9D9D9"> <td style="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%"> </td> <td style="border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center"> </td> <td style="padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Minimum</td> <td id="xdx_98C_evip--OptionalBenefitExpenseMinimumDollars_pid_uUSD_c20260501__20260501__vip--ContractAxis__custom--WaiverOfSpecifiedPremiumRiderMember_fKDEp_zZ26dCm8wsLi" style="border-right: Black 1pt solid; padding-right: 0.05in; padding-left: 1.45pt; line-height: 90%; text-align: right">$0.74</td></tr> <tr style="vertical-align: top; background-color: #D9D9D9"> <td style="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%"> </td> <td style="border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center"> </td> <td style="padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Maximum</td> <td id="xdx_986_evip--OptionalBenefitExpenseMaximumDollars_pid_uUSD_c20260501__20260501__vip--ContractAxis__custom--WaiverOfSpecifiedPremiumRiderMember_fKDEp_zrsagOReypXc" style="border-right: Black 1pt solid; padding-right: 0.05in; padding-left: 1.45pt; line-height: 90%; text-align: right">$8.64</td></tr> <tr style="vertical-align: top; background-color: #D9D9D9"> <td style="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%"> </td> <td style="border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center"> </td> <td style="padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Charge for Representative Insured (8)</td> <td id="xdx_98B_evip--OptionalBenefitChargeRepresentativeInvestorTextBlock_uUSD_c20260501__20260501__vip--ContractAxis__custom--WaiverOfSpecifiedPremiumRiderMember_fKDgp_zBIT0g6eVJ5e" style="border-right: Black 1pt solid; padding-right: 0.05in; padding-left: 1.45pt; line-height: 90%; text-align: right">$1.17</td></tr> <tr style="vertical-align: top; background-color: #D9D9D9"> <td style="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%"> </td> <td style="border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center"> </td> <td style="padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%"> </td> <td style="border-right: Black 1pt solid; padding-right: 0.05in; padding-left: 1.45pt; line-height: 90%; text-align: right"> </td></tr> <tr style="vertical-align: top"> <td id="xdx_989_evip--OptionalBenefitChargeDescriptionTextBlock_c20260501__20260501__vip--ContractAxis__custom--PolicyLoansMember_zoREXjyBhIHf" style="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Policy Loans</td> <td id="xdx_988_evip--OptionalBenefitChargeWhenDeductedTextBlock_c20260501__20260501__vip--ContractAxis__custom--PolicyLoansMember_zWyISgn6LTn3" style="border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">Annually</td> <td colspan="2" style="border-right: Black 1pt solid; padding-right: 0.05in; padding-left: 1.45pt; line-height: 90%">Policy Loan interest rate is deducted upon each Policy Anniversary. (9) </td></tr> <tr style="vertical-align: top"> <td style="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%"> </td> <td style="border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center"> </td> <td colspan="2" style="border-right: Black 1pt solid; padding-right: 0.05in; padding-left: 1.45pt; line-height: 90%"> </td></tr> <tr style="vertical-align: top"> <td style="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%"> </td> <td style="border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center"> </td> <td colspan="2" style="border-right: Black 1pt solid; padding-right: 0.05in; padding-left: 1.45pt; line-height: 90%">Net Policy Loan interest rate during the first 5 Policy Years. (10)</td></tr> <tr style="vertical-align: top"> <td style="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%"> </td> <td style="border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center"> </td> <td style="padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Minimum</td> <td id="xdx_980_evip--OtherAnnualExpenseOfOtherAmountMinimumPercent_uRatio_c20260501__20260501__vip--ContractAxis__custom--NetPolicyLoanInterestRateDuringFirst5YearsMember_fKDkpKDEwKQ_____zEMYOlT0uDf3" style="border-right: Black 1pt solid; padding-right: 0.05in; padding-left: 1.45pt; line-height: 90%; text-align: right">1% </td></tr> <tr style="vertical-align: top"> <td style="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%"> </td> <td style="border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center"> </td> <td style="padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Maximum</td> <td id="xdx_984_evip--OtherAnnualExpenseOfOtherAmountMaximumPercent_uRatio_c20260501__20260501__vip--ContractAxis__custom--NetPolicyLoanInterestRateDuringFirst5YearsMember_fKDkpKDEwKQ_____zAkXvDrbu1d7" style="border-right: Black 1pt solid; padding-right: 0.05in; padding-left: 1.45pt; line-height: 90%; text-align: right">3% </td></tr> <tr style="vertical-align: top"> <td style="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%"> </td> <td style="border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center"> </td> <td style="padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%"> </td> <td style="border-right: Black 1pt solid; padding-right: 0.05in; padding-left: 1.45pt; line-height: 90%; text-align: right"> </td></tr> <tr style="vertical-align: top"> <td style="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%"> </td> <td style="border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center"> </td> <td colspan="2" style="border-right: Black 1pt solid; padding-right: 0.05in; padding-left: 1.45pt; line-height: 90%">Net Policy Loan interest rate after the first 5 Policy Years. (10)</td></tr> <tr style="vertical-align: top"> <td style="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%"> </td> <td style="border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center"> </td> <td style="padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Minimum</td> <td id="xdx_988_evip--OtherAnnualExpenseOfOtherAmountMinimumPercent_uRatio_c20260501__20260501__vip--ContractAxis__custom--NetPolicyLoanInterestRateAfterTheFirst5YearsMember_fKDkpKDEwKQ_____zQmMa8qTbXWa" style="border-right: Black 1pt solid; padding-right: 0.05in; padding-left: 1.45pt; line-height: 90%; text-align: right">0% </td></tr> <tr style="vertical-align: top"> <td style="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%"> </td> <td style="border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center"> </td> <td style="padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Maximum</td> <td id="xdx_98C_evip--OtherAnnualExpenseOfOtherAmountMaximumPercent_uRatio_c20260501__20260501__vip--ContractAxis__custom--NetPolicyLoanInterestRateAfterTheFirst5YearsMember_fKDkpKDEwKQ_____zo6mf43DyvHl" style="border-right: Black 1pt solid; padding-right: 0.05in; padding-left: 1.45pt; line-height: 90%; text-align: right">2.5% </td></tr> <tr style="vertical-align: top"> <td style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%"> </td> <td style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%"> </td> <td style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 0.05in; padding-left: 1.45pt; line-height: 90%; text-align: right"> </td></tr> </table> <table cellpadding="0" cellspacing="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse"> <tr style="vertical-align: top"> <td style="width: 5%; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">*</td> <td style="width: 95%; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">The cost of insurance and several of the charges vary based on individual characteristics. The cost shown for these charges may not be representative of the charge you will pay. Ask for a Policy illustration or see your Policy for the charge applicable to you.</td></tr> </table> Periodic Charges Table Footnotes: <table cellpadding="0" cellspacing="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse"> <tr style="vertical-align: top"> <td style="width: 5%; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">(1)</td> <td style="width: 95%; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Rate varies by Insured's, gender, rate class and Attained Age.</td></tr> <tr style="vertical-align: top"> <td style="padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">(2)</td> <td style="padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">"Charge for Representative Insured" charges assume an Insured who is male, best rate class, age 35 when the Policy is issued, a Specified Amount of $1,000,000, and that the Policy is in its second Policy year.</td></tr> <tr style="vertical-align: top"> <td style="padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">(3)</td> <td style="padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">The annual maximum charge is 0.90% in years 1 through 15 and 0.30% thereafter.</td></tr> <tr style="vertical-align: top"> <td style="padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">(4)</td> <td style="padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Rate varies by Insured's gender, Issue Age, rate class, and the amount of time you have had your Policy.</td></tr> <tr style="vertical-align: top"> <td style="padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">(5)</td> <td style="padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">This is an administrative fee that is charged when the Accelerated Death Benefit for Terminal Illness Rider is exercised.</td></tr> <tr style="vertical-align: top"> <td style="padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">(6)</td> <td style="padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">This endorsement is standard if the Policy Owner elects the guideline premium test ("GPT") on the application. This endorsement is not available if the Policy Owner elects the cash value accumulation test ("CVAT") on the application. This fee is charged when the Overloan Protection Benefit Endorsement is exercised.</td></tr> <tr style="vertical-align: top"> <td style="padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">(7)</td> <td style="padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">The coverage amount is $25,000. "Charge for Representative Insured" assumes the rider benefit amount is $25,000.</td></tr> <tr style="vertical-align: top"> <td style="padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">(8)</td> <td style="padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">"Charge for Representative Insured" charges assume an Insured who is male, best rate class, age 35 when the rider is issued, a base Policy Specified Amount of $1,000,000 and that the rider coverage is in its second year.</td></tr> <tr style="vertical-align: top"> <td style="padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">(9)</td> <td style="padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">If there is no Policy Loan on the Policy, there is no loan interest charged. Net interest rate varies based on whether the Policy is in the first 5 Policy years or after the first 5 Policy years. </td></tr> <tr style="vertical-align: top"> <td style="padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">(10)</td> <td style="padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Interest rates charged on amounts borrowed from the Policy, net of 1.0% guaranteed annual credited interest rate or 3.0% current annual credited interest rate.</td></tr> </table> We currently do not assess a separate charge against our Separate Account or Fixed Account for any income taxes. We may, however, make such a charge in the future if income or gains within the Separate Account will incur any income tax liability, or if tax treatment of our Company changes. Portfolio Company Operating Expenses (for the year ended December 31, 2025, unless noted) The next table shows the minimum and maximum total operating expenses charged by the portfolio companies, before any waivers or reductions, that you may pay periodically during the time that you own the Policy. Actual fees and expenses for the underlying portfolios vary daily, so expenses for any given day may be greater or less than listed. A complete list of portfolio companies available under the Policy, including their annual expenses, may be found at the back of this document. <table cellpadding="0" cellspacing="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse"> <tr style="vertical-align: top; background-color: #BFBFBF"> <td style="width: 50%; padding-right: 1.45pt; padding-left: 1.45pt; text-align: center; line-height: 90%">Annual Portfolio Company Expenses</td> <td style="width: 25%; padding-right: 1.45pt; padding-left: 1.45pt; text-align: center; line-height: 90%">Minimum</td> <td style="width: 25%; padding-right: 1.45pt; padding-left: 1.45pt; text-align: center; line-height: 90%">Maximum</td></tr> <tr> <td id="xdx_985_evip--PortfolioCompanyExpensesTextBlock_c20260501__20260501_zvKd3vYzs2l7" style="vertical-align: top; padding-right: 1.45pt; padding-left: 1.45pt; text-align: left; line-height: 90%">Expenses that are deducted from Portfolio Company assets, including management fees, distribution and/or service (12b-1) fees, and other expenses. *</td> <td id="xdx_985_evip--PortfolioCompanyExpensesBeforeWaiversAndReimbursementMinimumPercent_uRatio_c20260501__20260501_z457XfAZ2Mml" style="padding-right: 1.45pt; padding-left: 1.45pt; text-align: center; line-height: 90%">0.09%</td> <td id="xdx_981_evip--PortfolioCompanyExpensesBeforeWaiversAndReimbursementMaximumPercent_uRatio_c20260501__20260501_zYqVGbmSQ6Sd" style="padding-right: 1.45pt; padding-left: 1.45pt; text-align: center; line-height: 90%">3.23%</td></tr> </table> <table cellpadding="0" cellspacing="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse"> <tr style="vertical-align: top"> <td id="xdx_981_evip--PortfolioCompanyExpensesFootnotesTextBlock_c20260501__20260501_zoqC7I46ysT6" style="width: 100%; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">* Before any waivers and reductions.</td> </tr> </table> <table cellpadding="0" cellspacing="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse"> <tr style="vertical-align: top; background-color: #D9D9D9"> <td colspan="4" style="border: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">TRANSACTION FEES</td></tr> <tr style="vertical-align: top"> <td style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">Charge</td> <td style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">When Charge Is Deducted</td> <td colspan="2" style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">Amount Deducted</td></tr> <tr style="vertical-align: top; background-color: #D9D9D9"> <td id="xdx_98A_evip--SalesLoadDescriptionTextBlock_c20260501__20260501_fKg_____zRh8w29mFala" style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">MAXIMUM SALES CHARGE IMPOSED ON PREMIUMS (LOAD)*</td> <td id="xdx_98A_evip--SalesLoadWhenDeductedTextBlock_c20260501__20260501_zAYbI4c6NNTb" style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">When each premium is paid.</td> <td colspan="2" id="xdx_980_evip--SalesLoadOfPremiumPaymentsMaximumPercent_uRatio_c20260501__20260501_zebnMTbyHOJ7" style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">5.0%</td></tr> <tr style="vertical-align: top"> <td id="xdx_981_evip--PremiumTaxesDescriptionTextBlock_c20260501__20260501_fKio___zYql9i0QSW3e" style="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">PREMIUM TAXES**</td> <td id="xdx_98E_evip--PremiumTaxesWhenDeductedTextBlock_c20260501__20260501_fKio___zyis5cDAQ9If" style="border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">Not taken as a separate deduction.**</td> <td colspan="2" id="xdx_984_evip--PremiumTaxesOfPremiumPaymentsMaximumPercent_uRatio_c20260501__20260501_zGykiockEOXk" style="border-right: Black 1pt solid; padding-right: 0.05in; padding-left: 1.45pt; line-height: 90%; text-align: right">0%</td></tr> <tr style="vertical-align: top; background-color: #D9D9D9"> <td id="xdx_98D_evip--DeferredSalesChargeDescriptionTextBlock_c20260501__20260501_zjkQvtra7Ije" style="border: Black 1pt solid; width: 33%; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">MAXIMUM DEFERRED SALES CHARGE (LOAD)</td> <td id="xdx_98F_evip--DeferredSalesChargeWhenDeductedTextBlock_c20260501__20260501_zSzKhSpYRlAi" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; width: 31%; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">None</td> <td style="border-top: Black 1pt solid; border-bottom: Black 1pt solid; width: 27%; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%"> </td> <td id="xdx_985_evip--DeferredSalesLoadOfAmountSurrenderedMaximumPercent_uRatio_c20260501__20260501_zRJHg7kjfyY5" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; width: 9%; padding-right: 0.05in; padding-left: 1.45pt; line-height: 90%; text-align: right">0%</td></tr> <tr style="vertical-align: top"> <td style="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">OTHER SURRENDER FEES:</td> <td style="border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center"> </td> <td style="padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%"> </td> <td style="border-right: Black 1pt solid; padding-right: 0.05in; padding-left: 1.45pt; line-height: 90%; text-align: right"> </td></tr> <tr style="vertical-align: top"> <td id="xdx_98E_evip--OtherSurrenderFeesDescriptionTextBlock_c20260501__20260501__vip--ContractAxis__custom--PartialWithdrawalChargeMember_zYjN9wtqdfG5" style="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Partial Withdrawal Charge</td> <td id="xdx_98D_evip--OtherSurrenderFeesWhenDeductedTextBlock_c20260501__20260501__vip--ContractAxis__custom--PartialWithdrawalChargeMember_zoPqEkLsExQh" style="border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">Upon each withdrawal.</td> <td style="padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%"> </td> <td id="xdx_98C_evip--OtherSurrenderFeesMaximumDollars_uUSD_c20260501__20260501__vip--ContractAxis__custom--PartialWithdrawalChargeMember_z0fzB5jY5TKg" style="border-right: Black 1pt solid; padding-right: 0.05in; padding-left: 1.45pt; line-height: 90%; text-align: right">$50</td></tr> <tr style="vertical-align: top"> <td style="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%"> </td> <td style="border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center"> </td> <td style="padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%"> </td> <td style="border-right: Black 1pt solid; padding-right: 0.05in; padding-left: 1.45pt; line-height: 90%; text-align: right"> </td></tr> <tr style="vertical-align: top"> <td id="xdx_98C_evip--OtherSurrenderFeesDescriptionTextBlock_c20260501__20260501__vip--ContractAxis__custom--WireTransferFeeMember_zPdvNoYWIyXb" style="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Wire Transfer Fee (per wire)</td> <td id="xdx_982_evip--OtherSurrenderFeesWhenDeductedTextBlock_c20260501__20260501__vip--ContractAxis__custom--WireTransferFeeMember_zjDdboWndhLj" style="border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">As requested by Policy Owner</td> <td style="padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%"> </td> <td id="xdx_981_evip--OtherSurrenderFeesMaximumDollars_uUSD_c20260501__20260501__vip--ContractAxis__custom--WireTransferFeeMember_zO92InCxCQ4e" style="border-right: Black 1pt solid; padding-right: 0.05in; padding-left: 1.45pt; line-height: 90%; text-align: right">$14</td></tr> <tr style="vertical-align: top"> <td style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%"> </td> <td style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%"> </td> <td style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 0.05in; padding-left: 1.45pt; line-height: 90%; text-align: right"> </td></tr> <tr style="vertical-align: top; background-color: #D9D9D9"> <td id="xdx_987_evip--TransferFeesDescriptionTextBlock_c20260501__20260501_zmPCwMkJXsjh" style="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">TRANSFER FEES</td> <td id="xdx_983_evip--TransferFeesWhenDeductedTextBlock_c20260501__20260501__vip--ContractAxis__custom--TransferFeeFirst15Member_zSEp5EWXw2eb" style="border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">First 15 transfers per year;</td> <td style="padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%"> </td> <td id="xdx_989_evip--TransferFeeMinimumDollars_uUSD_c20260501__20260501__vip--ContractAxis__custom--TransferFeeFirst15Member_z3MZM5y4t1t8" style="border-right: Black 1pt solid; padding-right: 0.05in; padding-left: 1.45pt; line-height: 90%; text-align: right">$0</td></tr> <tr style="vertical-align: top; background-color: #D9D9D9"> <td style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%"> </td> <td id="xdx_980_evip--TransferFeesWhenDeductedTextBlock_c20260501__20260501__vip--ContractAxis__custom--TransferFeesEachAdditionalTransferMember_z2r7fYERwU97" style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">Each additional transfer.</td> <td style="border-bottom: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%"> </td> <td id="xdx_988_evip--TransferFeeMaximumDollars_uUSD_c20260501__20260501__vip--ContractAxis__custom--TransferFeesEachAdditionalTransferMember_za4OgLl51blf" style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 0.05in; padding-left: 1.45pt; line-height: 90%; text-align: right">$10</td></tr> <tr style="vertical-align: top; background-color: white"> <td id="xdx_98D_evip--OtherTransactionFeeDescriptionTextBlock_c20260501__20260501__vip--ContractAxis__custom--IllustrationFeeMember_zSVcWopVEBrc" style="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">ILLUSTRATION FEE </td> <td id="xdx_983_evip--OtherTransactionFeeWhenDeductedTextBlock_c20260501__20260501__vip--ContractAxis__custom--FirstIllustrationRequestPerYearMember_z6yfgjHfpYBb" style="border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">First illustration request per year;</td> <td style="padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%"> </td> <td id="xdx_98A_evip--OtherTransactionFeeMinimumDollars_uUSD_c20260501__20260501__vip--ContractAxis__custom--FirstIllustrationRequestPerYearMember_z4FZkXXwiGkb" style="border-right: Black 1pt solid; padding-right: 0.05in; padding-left: 1.45pt; line-height: 90%; text-align: right">$0</td></tr> <tr style="vertical-align: top; background-color: white"> <td style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%"> </td> <td id="xdx_985_evip--OtherTransactionFeeWhenDeductedTextBlock_c20260501__20260501__vip--ContractAxis__custom--EachAdditionalIllustrationRequestMember_z0dyqAjAGLuh" style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">Each additional illustration request.</td> <td style="border-bottom: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%"> </td> <td id="xdx_985_evip--OtherTransactionFeeMaximumDollars_uUSD_c20260501__20260501__vip--ContractAxis__custom--EachAdditionalIllustrationRequestMember_zpD9WqrDVc05" style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 0.05in; padding-left: 1.45pt; line-height: 90%; text-align: right">$50</td></tr> </table> <table cellpadding="0" cellspacing="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse"> <tr style="vertical-align: top"> <td style="width: 5%; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">*</td> <td style="width: 95%; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">This premium charge is deducted from each premium payment as it is processed (except if it is a premium that is transferred from another Company policy). Premium taxes are paid from this charge.</td></tr> <tr style="vertical-align: top"> <td style="padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">**</td> <td style="padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Premium Taxes are paid by the Company from the Maximum Sales Charge Imposed On Premiums (Load). See CHARGES section for more information.</td></tr> </table> MAXIMUM SALES CHARGE IMPOSED ON PREMIUMS (LOAD)* When each premium is paid. 0.050 PREMIUM TAXES** Not taken as a separate deduction.** 0 MAXIMUM DEFERRED SALES CHARGE (LOAD) None 0 Partial Withdrawal Charge Upon each withdrawal. 50 Wire Transfer Fee (per wire) As requested by Policy Owner 14 TRANSFER FEES First 15 transfers per year; 0 Each additional transfer. 10 ILLUSTRATION FEE First illustration request per year; 0 Each additional illustration request. 50 <table cellpadding="0" cellspacing="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse"> <tr style="vertical-align: top; background-color: #D9D9D9"> <td colspan="4" style="border: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">PERIODIC CHARGES OTHER THAN ANNUAL PORTFOLIO COMPANY CHARGES</td></tr> <tr style="vertical-align: top"> <td style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">Charge</td> <td style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">When Charge Is Deducted</td> <td colspan="2" style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">Amount Deducted*</td></tr> <tr style="vertical-align: top"> <td style="border-right: Black 1pt solid; border-left: Black 1pt solid; width: 30%; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">BASE POLICY CHARGE:</td> <td style="border-right: Black 1pt solid; width: 22%; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center"> </td> <td style="width: 27%; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%"> </td> <td style="border-right: Black 1pt solid; width: 21%; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%"> </td></tr> <tr style="vertical-align: top; background-color: #D9D9D9"> <td id="xdx_986_evip--InsuranceCostDescriptionTextBlock_c20260501__20260501_fKg_____zzLI1ETl1EZ3" style="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Cost of Insurance *</td> <td id="xdx_987_evip--InsuranceCostWhenDeductedTextBlock_c20260501__20260501_zfsoquZzbcka" style="border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">Monthly</td> <td colspan="2" style="border-right: Black 1pt solid; padding-right: 0.05in; padding-left: 1.45pt; line-height: 90%">(Rate is per $1,000 of the amount of the Net Amount at Risk)</td></tr> <tr style="vertical-align: top; background-color: #D9D9D9"> <td style="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%"> </td> <td style="border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center"> </td> <td style="padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%"> </td> <td style="border-right: Black 1pt solid; padding-right: 0.05in; padding-left: 1.45pt; line-height: 90%; text-align: right"> </td></tr> <tr style="vertical-align: top; background-color: #D9D9D9"> <td style="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%"> </td> <td style="border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center"> </td> <td style="padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Varies (1)</td> <td style="border-right: Black 1pt solid; padding-right: 0.05in; padding-left: 1.45pt; line-height: 90%; text-align: right"> </td></tr> <tr style="vertical-align: top; background-color: #D9D9D9"> <td style="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%"> </td> <td style="border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center"> </td> <td style="padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Minimum Charge</td> <td id="xdx_985_evip--InsuranceCostMinimumDollars_pid_uUSD_c20260501__20260501_fKDEp_zOTxKHyGcz67" style="border-right: Black 1pt solid; padding-right: 0.05in; padding-left: 1.45pt; line-height: 90%; text-align: right">$0.01</td></tr> <tr style="vertical-align: top; background-color: #D9D9D9"> <td style="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%"> </td> <td style="border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center"> </td> <td style="padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Maximum Charge</td> <td id="xdx_987_evip--InsuranceCostMaximumDollars_pid_uUSD_c20260501__20260501_fKDEp_z3SUAX0p9xQ7" style="border-right: Black 1pt solid; padding-right: 0.05in; padding-left: 1.45pt; line-height: 90%; text-align: right">$83.33</td></tr> <tr style="vertical-align: top; background-color: #D9D9D9"> <td style="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%"> </td> <td style="border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center"> </td> <td style="padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Charge for Representative Insured (2)</td> <td id="xdx_98A_evip--InsuranceCostRepresentativeInvestorTextBlock_uUSD_c20260501__20260501_fKDIp_zjudHxR5PSWj" style="border-right: Black 1pt solid; padding-right: 0.05in; padding-left: 1.45pt; line-height: 90%; text-align: right">$0.09</td></tr> <tr style="vertical-align: top; background-color: #D9D9D9"> <td style="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%"> </td> <td style="border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center"> </td> <td style="padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%"> </td> <td style="border-right: Black 1pt solid; padding-right: 0.05in; padding-left: 1.45pt; line-height: 90%; text-align: right"> </td></tr> <tr style="vertical-align: top"> <td id="xdx_98C_evip--AnnualMaintenanceFeeDescriptionTextBlock_c20260501__20260501_zbf4Ohz5fDP5" style="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Annual Maintenance Fee</td> <td id="xdx_980_evip--AnnualMaintenanceFeeWhenDeductedTextBlock_c20260501__20260501_z3tg1IjpTco4" style="border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">None</td> <td colspan="2" id="xdx_98E_evip--AnnualMaintenanceFeeMaximumDollars_uUSD_c20260501__20260501_zHh3QOdabNp" style="border-right: Black 1pt solid; padding-right: 0.05in; padding-left: 1.45pt; line-height: 90%; text-align: right">$0.00</td></tr> <tr style="vertical-align: top"> <td style="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%"> </td> <td style="border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center"> </td> <td style="padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%"> </td> <td style="border-right: Black 1pt solid; padding-right: 0.05in; padding-left: 1.45pt; line-height: 90%; text-align: right"> </td></tr> <tr style="vertical-align: top; background-color: #D9D9D9"> <td id="xdx_98D_evip--MortalityAndExpenseRiskFeesDescriptionTextBlock_c20260501__20260501_zNjVJ5ujvUWe" style="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Mortality and Expense Risk Fees</td> <td id="xdx_98A_evip--MortalityAndExpenseRiskFeesWhenDeductedTextBlock_c20260501__20260501_ztfMrEAgbxdi" style="border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">Daily</td> <td colspan="2" style="border-right: Black 1pt solid; padding-right: 0.05in; padding-left: 1.45pt; line-height: 90%">Risk Charge (for mortality and expense risk equal to % shown) (3)</td></tr> <tr style="vertical-align: top; background-color: #D9D9D9"> <td style="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%"> </td> <td style="border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center"> </td> <td style="padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Policy Years 1-15</td> <td id="xdx_982_evip--MortalityAndExpenseRiskFeesOfOtherAmountMaximumPercent_pid_uRatio_c20260501__20260501__vip--ContractAxis__custom--PolicyYears1To15Member_fKDMp_zSAjJnzD6oOl" style="border-right: Black 1pt solid; padding-right: 0.05in; padding-left: 1.45pt; line-height: 90%; text-align: right">0.0024590% </td></tr> <tr style="vertical-align: top; background-color: #D9D9D9"> <td style="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%"> </td> <td style="border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center"> </td> <td style="padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Policy Years 16+</td> <td id="xdx_98E_evip--MortalityAndExpenseRiskFeesOfOtherAmountMaximumPercent_pid_uRatio_c20260501__20260501__vip--ContractAxis__custom--PolicyYears16AndAfterMember_fKDMp_zEE2l2DcOA6" style="border-right: Black 1pt solid; padding-right: 0.05in; padding-left: 1.45pt; line-height: 90%; text-align: right">0.0008197% </td></tr> <tr style="vertical-align: top; background-color: #D9D9D9"> <td style="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%"> </td> <td style="border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center"> </td> <td style="padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%"> </td> <td style="border-right: Black 1pt solid; padding-right: 0.05in; padding-left: 1.45pt; line-height: 90%; text-align: right"> </td></tr> <tr style="vertical-align: top"> <td id="xdx_98D_evip--AdministrativeExpenseDescriptionTextBlock_c20260501__20260501_z1PNLjeC2Yzd" style="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Administrative Expenses</td> <td id="xdx_98D_evip--AdministrativeExpenseWhenDeductedTextBlock_c20260501__20260501_zdPkRfu5JRFe" style="border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">Monthly</td> <td style="padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Specified Amounts $100,000 - $249,999</td> <td id="xdx_98C_evip--AdministrativeExpenseMaximumDollars_uUSD_c20260501__20260501__vip--ContractAxis__custom--SpecifiedAmounts100000to249999Member_zLs8iUdY6Ubg" style="border-right: Black 1pt solid; padding-right: 0.05in; padding-left: 1.45pt; line-height: 90%; text-align: right">$25</td></tr> <tr style="vertical-align: top"> <td style="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%"> </td> <td style="border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center"> </td> <td style="padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Specified Amounts $250,000 - $499,999</td> <td id="xdx_983_evip--AdministrativeExpenseMaximumDollars_uUSD_c20260501__20260501__vip--ContractAxis__custom--SpecifiedAmounts250000to499999Member_zDC9g3mnPW53" style="border-right: Black 1pt solid; padding-right: 0.05in; padding-left: 1.45pt; line-height: 90%; text-align: right">$25</td></tr> <tr style="vertical-align: top; background-color: white"> <td style="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%"> </td> <td style="border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center"> </td> <td style="padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Specified Amounts $500,000 +</td> <td id="xdx_989_evip--AdministrativeExpenseMaximumDollars_uUSD_c20260501__20260501__vip--ContractAxis__custom--SpecifiedAmountOver500000Member_zleVuNol8fSf" style="border-right: Black 1pt solid; padding-right: 0.05in; padding-left: 1.45pt; line-height: 90%; text-align: right">$25</td></tr> <tr style="vertical-align: top; background-color: white"> <td style="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%"> </td> <td style="border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center"> </td> <td style="padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%"> </td> <td style="border-right: Black 1pt solid; padding-right: 0.05in; padding-left: 1.45pt; line-height: 90%; text-align: right"> </td></tr> <tr style="vertical-align: top; background-color: #D9D9D9"> <td id="xdx_98C_evip--AdministrativeExpenseDescriptionTextBlock_c20260501__20260501__vip--ContractAxis__custom--MonthlySpecifiedAmountChargeMember_ztHZK4JjRzqj" style="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Monthly Specified Amount Charge</td> <td id="xdx_987_evip--AdministrativeExpenseWhenDeductedTextBlock_c20260501__20260501__vip--ContractAxis__custom--MonthlySpecifiedAmountChargeMember_zhCI6WpbRI0e" style="border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">Monthly</td> <td colspan="2" rowspan="3" style="border-right: Black 1pt solid"> Rates are per $1,000 of base Policy Specified Amount. Level charge during the first 30 Policy years or the first 30 Policy years after an increase in base Policy</td></tr> <tr style="vertical-align: top; background-color: #D9D9D9"> <td style="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%"> </td> <td style="border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center"> </td></tr> <tr style="vertical-align: top; background-color: #D9D9D9"> <td style="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%"> </td> <td style="border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center"> </td></tr> <tr style="vertical-align: top; background-color: #D9D9D9"> <td style="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%"> </td> <td style="border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center"> </td> <td style="padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Specified Amount.</td> <td style="border-right: Black 1pt solid; padding-right: 0.05in; padding-left: 1.45pt; line-height: 90%; text-align: right"> </td></tr> <tr style="vertical-align: top; background-color: #D9D9D9"> <td style="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%"> </td> <td style="border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center"> </td> <td style="padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%"> </td> <td style="border-right: Black 1pt solid; padding-right: 0.05in; padding-left: 1.45pt; line-height: 90%; text-align: right"> </td></tr> <tr style="vertical-align: top; background-color: #D9D9D9"> <td style="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%"> </td> <td style="border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center"> </td> <td style="padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Varies (4)</td> <td style="border-right: Black 1pt solid; padding-right: 0.05in; padding-left: 1.45pt; line-height: 90%; text-align: right"> </td></tr> <tr style="vertical-align: top; background-color: #D9D9D9"> <td style="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%"> </td> <td style="border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center"> </td> <td style="padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Policy Year 2</td> <td style="border-right: Black 1pt solid; padding-right: 0.05in; padding-left: 1.45pt; line-height: 90%; text-align: right"> </td></tr> <tr style="vertical-align: top; background-color: #D9D9D9"> <td style="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%"> </td> <td style="border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center"> </td> <td style="padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Minimum Charge</td> <td id="xdx_98B_evip--AdministrativeExpenseMinimumDollars_pid_uUSD_c20260501__20260501__vip--ContractAxis__custom--MonthlySpecifiedAmountChargeMember_fKDQp_zWmSozt2yjWg" style="border-right: Black 1pt solid; padding-right: 0.05in; padding-left: 1.45pt; line-height: 90%; text-align: right">$0.10</td></tr> <tr style="vertical-align: top; background-color: #D9D9D9"> <td style="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%"> </td> <td style="border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center"> </td> <td style="padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Maximum Charge</td> <td id="xdx_985_evip--AdministrativeExpenseMaximumDollars_pid_uUSD_c20260501__20260501__vip--ContractAxis__custom--MonthlySpecifiedAmountChargeMember_fKDQp_zfepvHwLZXo6" style="border-right: Black 1pt solid; padding-right: 0.05in; padding-left: 1.45pt; line-height: 90%; text-align: right">$0.68</td></tr> <tr style="vertical-align: top; background-color: #D9D9D9"> <td style="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%"> </td> <td style="border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center"> </td> <td style="padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Charge for Representative Insured (2)</td> <td id="xdx_988_evip--AdministrativeExpenseRepresentativeInvestorTextBlock_uUSD_c20260501__20260501__vip--ContractAxis__custom--MonthlySpecifiedAmountChargeMember_fKDIp_z5GyzkCJdOAi" style="border-right: Black 1pt solid; padding-right: 0.05in; padding-left: 1.45pt; line-height: 90%; text-align: right">$0.13</td></tr> <tr style="vertical-align: top; background-color: #D9D9D9"> <td style="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%"> </td> <td style="border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center"> </td> <td style="padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%"> </td> <td style="border-right: Black 1pt solid; padding-right: 0.05in; padding-left: 1.45pt; line-height: 90%; text-align: right"> </td></tr> <tr style="vertical-align: top; background-color: white"> <td id="xdx_981_evip--AdministrativeExpenseDescriptionTextBlock_c20260501__20260501__vip--ContractAxis__custom--TerminalIllnessRiderMember_zjpg7JhztFX2" style="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Accelerated Death Benefit for Terminal Illness Rider</td> <td id="xdx_98B_evip--AdministrativeExpenseWhenDeductedTextBlock_c20260501__20260501__vip--ContractAxis__custom--TerminalIllnessRiderMember_fKDUp_zP5oJkg2q3x8" style="border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">When Benefit Exercised (5)</td> <td style="padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%"> </td> <td id="xdx_982_evip--AdministrativeExpenseMaximumDollars_uUSD_c20260501__20260501__vip--ContractAxis__custom--TerminalIllnessRiderMember_z3mksbtWHLg" style="border-right: Black 1pt solid; padding-right: 0.05in; padding-left: 1.45pt; line-height: 90%; text-align: right">$250</td></tr> <tr style="vertical-align: top; background-color: white"> <td style="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%"> </td> <td style="border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center"> </td> <td style="padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%"> </td> <td style="border-right: Black 1pt solid; padding-right: 0.05in; padding-left: 1.45pt; line-height: 90%; text-align: right"> </td></tr> <tr style="vertical-align: top; background-color: #D9D9D9"> <td id="xdx_98A_evip--AdministrativeExpenseDescriptionTextBlock_c20260501__20260501__vip--ContractAxis__custom--OverloanProtectionBenefitEndorsementMember_zNk0hJy1Tkal" style="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Overloan Protection Benefit Endorsement</td> <td id="xdx_98D_evip--AdministrativeExpenseWhenDeductedTextBlock_c20260501__20260501__vip--ContractAxis__custom--OverloanProtectionBenefitEndorsementMember_fKDYp_zPV7X2dYxDSg" style="border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">When Benefit Exercised (6)</td> <td colspan="2" style="border-right: Black 1pt solid; padding-right: 0.05in; padding-left: 1.45pt; line-height: 90%">Calculated as a percentage times the Account Value.</td></tr> <tr style="vertical-align: top; background-color: #D9D9D9"> <td style="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%"> </td> <td style="border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center"> </td> <td style="padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%"> </td> <td id="xdx_989_evip--AdministrativeExpenseOfOtherAmountMaximumPercent_uRatio_c20260501__20260501__vip--ContractAxis__custom--OverloanProtectionBenefitEndorsementMember_zAdhJNPveTck" style="border-right: Black 1pt solid; padding-right: 0.05in; padding-left: 1.45pt; line-height: 90%; text-align: right">3.5%</td></tr> <tr style="vertical-align: top; background-color: #D9D9D9"> <td style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%"> </td> <td style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%"> </td> <td style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 0.05in; padding-left: 1.45pt; line-height: 90%; text-align: right"> </td></tr> </table> <table cellpadding="0" cellspacing="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse"> <tr style="vertical-align: top; background-color: #D9D9D9"> <td colspan="4" style="border: Black 1pt solid; padding-right: 0.05in; padding-left: 1.45pt; line-height: 90%; text-align: center">PERIODIC CHARGES OTHER THAN ANNUAL PORTFOLIO COMPANY CHARGES, continued</td></tr> <tr style="vertical-align: top; background-color: white"> <td style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">Charge</td> <td style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">When Charge Is Deducted</td> <td colspan="2" style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 0.05in; padding-left: 1.45pt; line-height: 90%; text-align: center">Amount Deducted*</td></tr> <tr style="vertical-align: top"> <td style="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">OPTIONAL BENEFIT CHARGES:</td> <td style="border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center"> </td> <td colspan="2" style="border-right: Black 1pt solid; padding-right: 0.05in; padding-left: 1.45pt; line-height: 90%"> </td></tr> <tr style="vertical-align: top"> <td style="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%"> </td> <td style="border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center"> </td> <td colspan="2" style="border-right: Black 1pt solid; padding-right: 0.05in; padding-left: 1.45pt; line-height: 90%"> </td></tr> <tr style="vertical-align: top; background-color: #D9D9D9"> <td id="xdx_98A_evip--OptionalBenefitChargeDescriptionTextBlock_c20260501__20260501__vip--ContractAxis__custom--ChildrensInsuranceRiderMember_z9uM1gwCSHM3" style="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Children's Insurance Rider </td> <td id="xdx_985_evip--OptionalBenefitChargeWhenDeductedTextBlock_c20260501__20260501__vip--ContractAxis__custom--ChildrensInsuranceRiderMember_zizwdj4F99u5" style="border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">Monthly</td> <td colspan="2" style="border-right: Black 1pt solid; padding-right: 0.05in; padding-left: 1.45pt; line-height: 90%">Rate is a per $1,000 of the rider benefit Amount.</td></tr> <tr style="vertical-align: top; background-color: #D9D9D9"> <td style="border-right: Black 1pt solid; border-left: Black 1pt solid; width: 30%; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%"> </td> <td style="border-right: Black 1pt solid; width: 21%; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center"> </td> <td style="width: 25%; padding-right: 0.05in; padding-left: 1.45pt; line-height: 90%"> </td> <td style="border-right: Black 1pt solid; width: 24%; padding-right: 0.05in; padding-left: 1.45pt; line-height: 90%; text-align: right"> </td></tr> <tr style="vertical-align: top; background-color: #D9D9D9"> <td style="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%"> </td> <td style="border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center"> </td> <td style="padding-right: 0.05in; padding-left: 1.45pt; line-height: 90%">Varies (7)</td> <td style="border-right: Black 1pt solid; padding-right: 0.05in; padding-left: 1.45pt; line-height: 90%; text-align: right"> </td></tr> <tr style="vertical-align: top; background-color: #D9D9D9"> <td style="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%"> </td> <td style="border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center"> </td> <td style="padding-right: 0.05in; padding-left: 1.45pt; line-height: 90%">Policy Year 2</td> <td style="border-right: Black 1pt solid; padding-right: 0.05in; padding-left: 1.45pt; line-height: 90%; text-align: right"> </td></tr> <tr style="vertical-align: top; background-color: #D9D9D9"> <td style="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%"> </td> <td style="border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center"> </td> <td style="padding-right: 0.05in; padding-left: 1.45pt; line-height: 90%">Minimum Charge</td> <td id="xdx_98D_evip--OptionalBenefitExpenseMinimumDollars_pid_uUSD_c20260501__20260501__vip--ContractAxis__custom--ChildrensInsuranceRiderMember_fKDcp_zNGd6UrQjZfe" style="border-right: Black 1pt solid; padding-right: 0.05in; padding-left: 1.45pt; line-height: 90%; text-align: right">$0.48</td></tr> <tr style="vertical-align: top; background-color: #D9D9D9"> <td style="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%"> </td> <td style="border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center"> </td> <td style="padding-right: 0.05in; padding-left: 1.45pt; line-height: 90%">Maximum Charge</td> <td id="xdx_98D_evip--OptionalBenefitExpenseMaximumDollars_pid_uUSD_c20260501__20260501__vip--ContractAxis__custom--ChildrensInsuranceRiderMember_fKDcp_zXZsxjaj9RT4" style="border-right: Black 1pt solid; padding-right: 0.05in; padding-left: 1.45pt; line-height: 90%; text-align: right">$0.48</td></tr> <tr style="vertical-align: top; background-color: #D9D9D9"> <td style="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%"> </td> <td style="border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center"> </td> <td style="padding-right: 0.05in; padding-left: 1.45pt; line-height: 90%">Charge for Representative Insured (7)</td> <td id="xdx_987_evip--OptionalBenefitChargeRepresentativeInvestorTextBlock_uUSD_c20260501__20260501__vip--ContractAxis__custom--ChildrensInsuranceRiderMember_fKDcp_ztsqEF82VcKk" style="border-right: Black 1pt solid; padding-right: 0.05in; padding-left: 1.45pt; line-height: 90%; text-align: right">$0.48</td></tr> <tr style="vertical-align: top; background-color: #D9D9D9"> <td style="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%"> </td> <td style="border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center"> </td> <td colspan="2" style="border-right: Black 1pt solid; padding-right: 0.05in; padding-left: 1.45pt; line-height: 90%"> </td></tr> <tr style="vertical-align: top"> <td id="xdx_980_evip--OptionalBenefitChargeDescriptionTextBlock_c20260501__20260501__vip--ContractAxis__custom--WaiverOfMonthlyDeductionRiderMember_zgQ4OMX5Ep5g" style="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Waiver of Monthly Deduction Rider</td> <td id="xdx_98F_evip--OptionalBenefitChargeWhenDeductedTextBlock_c20260501__20260501__vip--ContractAxis__custom--WaiverOfMonthlyDeductionRiderMember_zjKrZFwyRGQb" style="border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">Monthly</td> <td colspan="2" style="border-right: Black 1pt solid; padding-right: 0.05in; padding-left: 1.45pt; line-height: 90%">Rates are per $100 of the Monthly Deduction.</td></tr> <tr style="vertical-align: top"> <td style="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%"> </td> <td style="border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center"> </td> <td style="padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%"> </td> <td style="border-right: Black 1pt solid; padding-right: 0.05in; padding-left: 1.45pt; line-height: 90%; text-align: right"> </td></tr> <tr style="vertical-align: top"> <td style="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%"> </td> <td style="border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center"> </td> <td style="padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Varies (1)</td> <td style="border-right: Black 1pt solid; padding-right: 0.05in; padding-left: 1.45pt; line-height: 90%; text-align: right"> </td></tr> <tr style="vertical-align: top"> <td style="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%"> </td> <td style="border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center"> </td> <td style="padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Minimum</td> <td id="xdx_98C_evip--OptionalBenefitExpenseMinimumDollars_pid_uUSD_c20260501__20260501__vip--ContractAxis__custom--WaiverOfMonthlyDeductionRiderMember_fKDEp_zRJedqGFnkFa" style="border-right: Black 1pt solid; padding-right: 0.05in; padding-left: 1.45pt; line-height: 90%; text-align: right">$1.48</td></tr> <tr style="vertical-align: top"> <td style="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%"> </td> <td style="border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center"> </td> <td style="padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Maximum</td> <td id="xdx_98B_evip--OptionalBenefitExpenseMaximumDollars_pid_uUSD_c20260501__20260501__vip--ContractAxis__custom--WaiverOfMonthlyDeductionRiderMember_fKDEp_z82abVY4wLv7" style="border-right: Black 1pt solid; padding-right: 0.05in; padding-left: 1.45pt; line-height: 90%; text-align: right">$17.28</td></tr> <tr style="vertical-align: top"> <td style="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%"> </td> <td style="border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center"> </td> <td style="padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Charge for Representative Insured (8)</td> <td id="xdx_981_evip--OptionalBenefitChargeRepresentativeInvestorTextBlock_uUSD_c20260501__20260501__vip--ContractAxis__custom--WaiverOfMonthlyDeductionRiderMember_fKDgp_zWPr0GgHEM5g" style="border-right: Black 1pt solid; padding-right: 0.05in; padding-left: 1.45pt; line-height: 90%; text-align: right">$2.34</td></tr> <tr style="vertical-align: top"> <td style="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%"> </td> <td style="border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center"> </td> <td style="padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%"> </td> <td style="border-right: Black 1pt solid; padding-right: 0.05in; padding-left: 1.45pt; line-height: 90%; text-align: right"> </td></tr> <tr style="vertical-align: top; background-color: #D9D9D9"> <td id="xdx_98E_evip--OptionalBenefitChargeDescriptionTextBlock_c20260501__20260501__vip--ContractAxis__custom--WaiverOfSpecifiedPremiumRiderMember_z2o7Fwemd752" style="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Waiver of Specified Premium Rider</td> <td id="xdx_98E_evip--OptionalBenefitChargeWhenDeductedTextBlock_c20260501__20260501__vip--ContractAxis__custom--WaiverOfSpecifiedPremiumRiderMember_zOLKtDPHRlR" style="border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">Monthly</td> <td colspan="2" style="border-right: Black 1pt solid; padding-right: 0.05in; padding-left: 1.45pt; line-height: 90%">Rate is per $100 of the monthly rider benefit amount.</td></tr> <tr style="vertical-align: top; background-color: #D9D9D9"> <td style="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%"> </td> <td style="border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center"> </td> <td style="padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%"> </td> <td style="border-right: Black 1pt solid; padding-right: 0.05in; padding-left: 1.45pt; line-height: 90%; text-align: right"> </td></tr> <tr style="vertical-align: top; background-color: #D9D9D9"> <td style="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%"> </td> <td style="border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center"> </td> <td style="padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Varies (1)</td> <td style="border-right: Black 1pt solid; padding-right: 0.05in; padding-left: 1.45pt; line-height: 90%; text-align: right"> </td></tr> <tr style="vertical-align: top; background-color: #D9D9D9"> <td style="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%"> </td> <td style="border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center"> </td> <td style="padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Minimum</td> <td id="xdx_98C_evip--OptionalBenefitExpenseMinimumDollars_pid_uUSD_c20260501__20260501__vip--ContractAxis__custom--WaiverOfSpecifiedPremiumRiderMember_fKDEp_zZ26dCm8wsLi" style="border-right: Black 1pt solid; padding-right: 0.05in; padding-left: 1.45pt; line-height: 90%; text-align: right">$0.74</td></tr> <tr style="vertical-align: top; background-color: #D9D9D9"> <td style="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%"> </td> <td style="border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center"> </td> <td style="padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Maximum</td> <td id="xdx_986_evip--OptionalBenefitExpenseMaximumDollars_pid_uUSD_c20260501__20260501__vip--ContractAxis__custom--WaiverOfSpecifiedPremiumRiderMember_fKDEp_zrsagOReypXc" style="border-right: Black 1pt solid; padding-right: 0.05in; padding-left: 1.45pt; line-height: 90%; text-align: right">$8.64</td></tr> <tr style="vertical-align: top; background-color: #D9D9D9"> <td style="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%"> </td> <td style="border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center"> </td> <td style="padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Charge for Representative Insured (8)</td> <td id="xdx_98B_evip--OptionalBenefitChargeRepresentativeInvestorTextBlock_uUSD_c20260501__20260501__vip--ContractAxis__custom--WaiverOfSpecifiedPremiumRiderMember_fKDgp_zBIT0g6eVJ5e" style="border-right: Black 1pt solid; padding-right: 0.05in; padding-left: 1.45pt; line-height: 90%; text-align: right">$1.17</td></tr> <tr style="vertical-align: top; background-color: #D9D9D9"> <td style="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%"> </td> <td style="border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center"> </td> <td style="padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%"> </td> <td style="border-right: Black 1pt solid; padding-right: 0.05in; padding-left: 1.45pt; line-height: 90%; text-align: right"> </td></tr> <tr style="vertical-align: top"> <td id="xdx_989_evip--OptionalBenefitChargeDescriptionTextBlock_c20260501__20260501__vip--ContractAxis__custom--PolicyLoansMember_zoREXjyBhIHf" style="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Policy Loans</td> <td id="xdx_988_evip--OptionalBenefitChargeWhenDeductedTextBlock_c20260501__20260501__vip--ContractAxis__custom--PolicyLoansMember_zWyISgn6LTn3" style="border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">Annually</td> <td colspan="2" style="border-right: Black 1pt solid; padding-right: 0.05in; padding-left: 1.45pt; line-height: 90%">Policy Loan interest rate is deducted upon each Policy Anniversary. (9) </td></tr> <tr style="vertical-align: top"> <td style="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%"> </td> <td style="border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center"> </td> <td colspan="2" style="border-right: Black 1pt solid; padding-right: 0.05in; padding-left: 1.45pt; line-height: 90%"> </td></tr> <tr style="vertical-align: top"> <td style="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%"> </td> <td style="border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center"> </td> <td colspan="2" style="border-right: Black 1pt solid; padding-right: 0.05in; padding-left: 1.45pt; line-height: 90%">Net Policy Loan interest rate during the first 5 Policy Years. (10)</td></tr> <tr style="vertical-align: top"> <td style="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%"> </td> <td style="border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center"> </td> <td style="padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Minimum</td> <td id="xdx_980_evip--OtherAnnualExpenseOfOtherAmountMinimumPercent_uRatio_c20260501__20260501__vip--ContractAxis__custom--NetPolicyLoanInterestRateDuringFirst5YearsMember_fKDkpKDEwKQ_____zEMYOlT0uDf3" style="border-right: Black 1pt solid; padding-right: 0.05in; padding-left: 1.45pt; line-height: 90%; text-align: right">1% </td></tr> <tr style="vertical-align: top"> <td style="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%"> </td> <td style="border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center"> </td> <td style="padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Maximum</td> <td id="xdx_984_evip--OtherAnnualExpenseOfOtherAmountMaximumPercent_uRatio_c20260501__20260501__vip--ContractAxis__custom--NetPolicyLoanInterestRateDuringFirst5YearsMember_fKDkpKDEwKQ_____zAkXvDrbu1d7" style="border-right: Black 1pt solid; padding-right: 0.05in; padding-left: 1.45pt; line-height: 90%; text-align: right">3% </td></tr> <tr style="vertical-align: top"> <td style="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%"> </td> <td style="border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center"> </td> <td style="padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%"> </td> <td style="border-right: Black 1pt solid; padding-right: 0.05in; padding-left: 1.45pt; line-height: 90%; text-align: right"> </td></tr> <tr style="vertical-align: top"> <td style="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%"> </td> <td style="border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center"> </td> <td colspan="2" style="border-right: Black 1pt solid; padding-right: 0.05in; padding-left: 1.45pt; line-height: 90%">Net Policy Loan interest rate after the first 5 Policy Years. (10)</td></tr> <tr style="vertical-align: top"> <td style="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%"> </td> <td style="border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center"> </td> <td style="padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Minimum</td> <td id="xdx_988_evip--OtherAnnualExpenseOfOtherAmountMinimumPercent_uRatio_c20260501__20260501__vip--ContractAxis__custom--NetPolicyLoanInterestRateAfterTheFirst5YearsMember_fKDkpKDEwKQ_____zQmMa8qTbXWa" style="border-right: Black 1pt solid; padding-right: 0.05in; padding-left: 1.45pt; line-height: 90%; text-align: right">0% </td></tr> <tr style="vertical-align: top"> <td style="border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%"> </td> <td style="border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center"> </td> <td style="padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Maximum</td> <td id="xdx_98C_evip--OtherAnnualExpenseOfOtherAmountMaximumPercent_uRatio_c20260501__20260501__vip--ContractAxis__custom--NetPolicyLoanInterestRateAfterTheFirst5YearsMember_fKDkpKDEwKQ_____zo6mf43DyvHl" style="border-right: Black 1pt solid; padding-right: 0.05in; padding-left: 1.45pt; line-height: 90%; text-align: right">2.5% </td></tr> <tr style="vertical-align: top"> <td style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%"> </td> <td style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center"> </td> <td style="border-bottom: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%"> </td> <td style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 0.05in; padding-left: 1.45pt; line-height: 90%; text-align: right"> </td></tr> </table> <table cellpadding="0" cellspacing="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse"> <tr style="vertical-align: top"> <td style="width: 5%; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">*</td> <td style="width: 95%; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">The cost of insurance and several of the charges vary based on individual characteristics. The cost shown for these charges may not be representative of the charge you will pay. Ask for a Policy illustration or see your Policy for the charge applicable to you.</td></tr> </table> Periodic Charges Table Footnotes: <table cellpadding="0" cellspacing="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse"> <tr style="vertical-align: top"> <td style="width: 5%; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">(1)</td> <td style="width: 95%; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Rate varies by Insured's, gender, rate class and Attained Age.</td></tr> <tr style="vertical-align: top"> <td style="padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">(2)</td> <td style="padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">"Charge for Representative Insured" charges assume an Insured who is male, best rate class, age 35 when the Policy is issued, a Specified Amount of $1,000,000, and that the Policy is in its second Policy year.</td></tr> <tr style="vertical-align: top"> <td style="padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">(3)</td> <td style="padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">The annual maximum charge is 0.90% in years 1 through 15 and 0.30% thereafter.</td></tr> <tr style="vertical-align: top"> <td style="padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">(4)</td> <td style="padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Rate varies by Insured's gender, Issue Age, rate class, and the amount of time you have had your Policy.</td></tr> <tr style="vertical-align: top"> <td style="padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">(5)</td> <td style="padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">This is an administrative fee that is charged when the Accelerated Death Benefit for Terminal Illness Rider is exercised.</td></tr> <tr style="vertical-align: top"> <td style="padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">(6)</td> <td style="padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">This endorsement is standard if the Policy Owner elects the guideline premium test ("GPT") on the application. This endorsement is not available if the Policy Owner elects the cash value accumulation test ("CVAT") on the application. This fee is charged when the Overloan Protection Benefit Endorsement is exercised.</td></tr> <tr style="vertical-align: top"> <td style="padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">(7)</td> <td style="padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">The coverage amount is $25,000. "Charge for Representative Insured" assumes the rider benefit amount is $25,000.</td></tr> <tr style="vertical-align: top"> <td style="padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">(8)</td> <td style="padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">"Charge for Representative Insured" charges assume an Insured who is male, best rate class, age 35 when the rider is issued, a base Policy Specified Amount of $1,000,000 and that the rider coverage is in its second year.</td></tr> <tr style="vertical-align: top"> <td style="padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">(9)</td> <td style="padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">If there is no Policy Loan on the Policy, there is no loan interest charged. Net interest rate varies based on whether the Policy is in the first 5 Policy years or after the first 5 Policy years. </td></tr> <tr style="vertical-align: top"> <td style="padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">(10)</td> <td style="padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Interest rates charged on amounts borrowed from the Policy, net of 1.0% guaranteed annual credited interest rate or 3.0% current annual credited interest rate.</td></tr> </table> Cost of Insurance * Monthly 0.01 83.33 $0.09 Annual Maintenance Fee None 0.00 Mortality and Expense Risk Fees Daily 0.000024590 0.000008197 Administrative Expenses Monthly 25 25 25 Monthly Specified Amount Charge Monthly 0.10 0.68 $0.13 Accelerated Death Benefit for Terminal Illness Rider When Benefit Exercised (5) 250 Overloan Protection Benefit Endorsement When Benefit Exercised (6) 0.035 Children's Insurance Rider Monthly 0.48 0.48 $0.48 Waiver of Monthly Deduction Rider Monthly 1.48 17.28 $2.34 Waiver of Specified Premium Rider Monthly 0.74 8.64 $1.17 Policy Loans Annually 0.01 0.03 0 0.025 <table cellpadding="0" cellspacing="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse"> <tr style="vertical-align: top; background-color: #BFBFBF"> <td style="width: 50%; padding-right: 1.45pt; padding-left: 1.45pt; text-align: center; line-height: 90%">Annual Portfolio Company Expenses</td> <td style="width: 25%; padding-right: 1.45pt; padding-left: 1.45pt; text-align: center; line-height: 90%">Minimum</td> <td style="width: 25%; padding-right: 1.45pt; padding-left: 1.45pt; text-align: center; line-height: 90%">Maximum</td></tr> <tr> <td id="xdx_985_evip--PortfolioCompanyExpensesTextBlock_c20260501__20260501_zvKd3vYzs2l7" style="vertical-align: top; padding-right: 1.45pt; padding-left: 1.45pt; text-align: left; line-height: 90%">Expenses that are deducted from Portfolio Company assets, including management fees, distribution and/or service (12b-1) fees, and other expenses. *</td> <td id="xdx_985_evip--PortfolioCompanyExpensesBeforeWaiversAndReimbursementMinimumPercent_uRatio_c20260501__20260501_z457XfAZ2Mml" style="padding-right: 1.45pt; padding-left: 1.45pt; text-align: center; line-height: 90%">0.09%</td> <td id="xdx_981_evip--PortfolioCompanyExpensesBeforeWaiversAndReimbursementMaximumPercent_uRatio_c20260501__20260501_zYqVGbmSQ6Sd" style="padding-right: 1.45pt; padding-left: 1.45pt; text-align: center; line-height: 90%">3.23%</td></tr> </table> <table cellpadding="0" cellspacing="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse"> <tr style="vertical-align: top"> <td id="xdx_981_evip--PortfolioCompanyExpensesFootnotesTextBlock_c20260501__20260501_zoqC7I46ysT6" style="width: 100%; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">* Before any waivers and reductions.</td> </tr> </table> Expenses that are deducted from Portfolio Company assets, including management fees, distribution and/or service (12b-1) fees, and other expenses. * 0.0009 0.0323 * Before any waivers and reductions. <table cellpadding="0" cellspacing="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse"> <tr style="vertical-align: top"> <td style="border-bottom: Black 1.5pt solid; width: 100%; font-weight: normal; line-height: 90%; font-size: 14pt">PRINCIPAL RISKS OF INVESTING IN THE POLICY</td></tr> </table> <table cellpadding="0" cellspacing="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse"> <tr style="vertical-align: top"> <td id="xdx_98E_evip--PrincipalRiskTextBlock_c20260501__20260501__vip--RiskAxis__vip--NotShortTermInvestmentRiskMember_zb6Gnnkydgrf" style="width: 100%; padding-right: 1.45pt; padding-left: 1.45pt"> Not a Short-Term Investment The Policy is unsuitable for short-term savings or short-term life insurance needs and is subject to investment risk, including the loss of principal. This Policy is not considered a short-term investment because of the possibility of a tax penalty at the time of Surrender. Funds allocated to the Fixed Account are subject to the claims paying ability of the Company. You should evaluate the Policy's long-term investment potential and risks before purchasing a Policy. You should purchase a Policy only if you have the financial capability and the intent to keep the Policy in force for a substantial period of time. </td></tr> <tr style="vertical-align: top"> <td id="xdx_98F_evip--PrincipalRiskTextBlock_c20260501__20260501__vip--RiskAxis__custom--PortfolioCompanyRiskOfLossMember_zO9fGhDiTvt4" style="padding-right: 1.45pt; padding-left: 1.45pt"> Portfolio Company Risk of Loss Your Account Value will fluctuate with the performance of the Investment Options you choose. You assume the risk that your Account Value may decline or not perform to your expectations. Each underlying portfolio has various investment risks and some have greater risks than others. If you are also invested in the Fixed Account, interest rates may also vary or not perform to your expectations. There is no assurance that any underlying portfolio will meet its objectives. Prospectuses for Investment Options are available at our website, ameritas.com/investments/fund-prospectuses or by calling 800-255-9678. </td></tr> <tr style="vertical-align: top"> <td id="xdx_98F_evip--PrincipalRiskTextBlock_c20260501__20260501__vip--RiskAxis__custom--FixedAccountRisksMember_z04s0flhhKFl" style="padding-right: 1.45pt; padding-left: 1.45pt"> Fixed Account Risks The Fixed Account is part of the General Account of Ameritas Life Insurance Corp. The obligations of the General Account including any interest credited to the Fixed Account, and any guaranteed benefits we may provide under the Policy that exceed the value of amounts held in the Separate Account, are subject to the claims of our creditors, the financial strength and the claims paying ability of the Company. The General Account is not a bank account and it is not insured by the FDIC or any other government agency. </td></tr> <tr style="vertical-align: top"> <td id="xdx_984_evip--PrincipalRiskTextBlock_c20260501__20260501__vip--RiskAxis__vip--InsuranceCompanyRiskMember_z8AD1vg6CkG" style="padding-right: 1.45pt; padding-left: 1.45pt"> Insurance Company Risks Ameritas Life has sole legal responsibility to pay amounts that are owed under the Policy. You should look to the financial strength of Ameritas Life for its claims-paying ability. We are also exposed to risks related to natural and human-made disasters or other events, including (but not limited to) earthquakes, fires, floods, storms, epidemics and pandemics (such as COVID-19), terrorist acts, civil unrest, malicious acts and/or other events that could adversely affect our ability to conduct business. The risks from such events are common to all insurers. To mitigate such risks, we have business continuity plans in place that include remote workforces, remote system and telecommunication accessibility, and other plans to ensure availability of critical resources and business continuity during an event. Such events can also have an adverse impact on financial markets, U.S. and global economies, service providers, and Fund performance for the portfolios available through your Policy. There can be no assurance that we, the Funds, or our service providers will avoid such adverse impacts due to such event and some events may be beyond control and cannot be fully mitigated or foreseen. </td></tr> <tr style="vertical-align: top"> <td id="xdx_989_evip--PrincipalRiskTextBlock_c20260501__20260501__vip--RiskAxis__custom--SurrenderRisksMember_zxk1Tosz2Tn8" style="padding-right: 1.45pt; padding-left: 1.45pt"> Surrender Risks The Policy is designed to provide lifetime insurance protection. Depending on the Account Value at the time you are considering Surrender, there may be little or no Cash Surrender Value payable to you. Surrender of a Policy while a Policy Loan is outstanding could result in significant tax consequences. A surrender before age 59 ½ may also result in tax penalties. Following a full Surrender, all your rights in the Policy end, and the Policy may not be reinstated. </td></tr> <tr style="vertical-align: top"> <td id="xdx_989_evip--PrincipalRiskTextBlock_c20260501__20260501__vip--RiskAxis__custom--PartialWithdrawalRisksMember_zOsyzfoCpKa3" style="padding-right: 1.45pt; padding-left: 1.45pt"> Partial Withdrawal Risks Upon a partial withdrawal from your Policy, we will deduct a Partial Withdrawal Charge. This fee will be deducted from the Investment Options and in the same allocation as your partial withdrawal allocation instruction; if that is not possible (due to insufficient value in one of the Investment Options you elect) or you have not given such instructions, we will deduct this fee on a Pro-Rata basis from balances in all Subaccounts and the Fixed Account. Partial withdrawals may reduce the amount of the death benefit. In some cases, such as when the Policy's death Benefit is driven by the Corridor Factor, the death benefit may be reduced by more than the amount of the partial withdrawal. Taxes and tax penalties may apply. </td></tr> <tr style="vertical-align: top"> <td id="xdx_98A_evip--PrincipalRiskTextBlock_c20260501__20260501__vip--RiskAxis__custom--AdvisorFeeRisksMember_zv9FSafPTBKa" style="padding-right: 1.45pt; padding-left: 1.45pt"> Advisory Fee Risks This Policy may be available through third-party financial intermediaries who charge an Advisory Fee for their services. These fees are in addition to Policy fees and expenses described in this prospectus. If the Policy Owner elects to pay the Advisory Fees from the Account Value, this will reduce the Account Value and death benefit under the Policy by the same calculation as any other withdrawals, with the exception that the Specified Amount will not be reduced by the amount of these Advisory Fees. In some cases, such as when the Policy's death benefit is driven by the Corridor Factor, withdrawing part of the Account Value may result in a death benefit reduction that is larger than the amount of the partial withdrawal. In addition, Advisory Fee withdrawals may be subject to federal and state income taxes and may be subject to a 10% federal tax penalty. The Internal Revenue Service has not ruled on the use of this endorsement. We strongly urge you to consult legal counsel and your personal tax and financial professional. For more information, see Advisory Fee Endorsement under OTHER BENEFITS AVAILABLE UNDER THE POLICY, Partial Withdrawals and Advisory Fees under SURRENDERS AND WITHDRAWALS, and TAXES.</td></tr> </table> <table cellpadding="0" cellspacing="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse"> <tr style="vertical-align: top"> <td id="xdx_989_evip--PrincipalRiskTextBlock_c20260501__20260501__vip--RiskAxis__custom--LapseRisksMember_zk8HQQ6u57Hi" style="width: 100%; padding-right: 1.45pt; padding-left: 1.45pt"> Lapse Risks If the Cash Surrender Value is not sufficient to pay charges when due, your Policy can terminate, or "lapse." This can happen if you have not paid enough premiums or if the Investment Options you selected experienced poor performance or because of a combination of both factors. This can happen even if you pay the Planned Periodic Premiums. You will be given a "grace period" within which to make additional premium payments to keep the Policy from lapsing. You will have a 61-day "grace period" to make a premium payment to continue your Policy. If your Policy lapses, your insurance coverage will terminate; you may be given the opportunity to reinstate the Policy by making the required premium payments and satisfying certain other conditions. Since partial withdrawals reduce your Account Value, partial withdrawals increase the risk of lapse. A Policy Loan also increases the risk of lapse. If the Policy lapses because a grace period ended without a sufficient payment being made, you may reinstate it within five years of the date of lapse, so long as the Insured is Attained Age 80 or less and the requirements of reinstatement are met, including evidence of insurability. For more information see REINSTATEMENT under LAPSE AND REINSTATEMENT. </td></tr> <tr style="vertical-align: top"> <td id="xdx_987_evip--PrincipalRiskTextBlock_c20260501__20260501__vip--RiskAxis__custom--DeathBenefitsRisksMember_z7081NhQYpU5" style="padding-right: 1.45pt; padding-left: 1.45pt"> Death Benefit Risks Death benefit proceeds are reduced by any Policy Loan Balance, Lien Balance, and any Monthly Deductions due but unpaid at death. Depending upon your choice of death benefit option, adverse performance of the Investment Options you choose may decrease your Policy's death benefit. In some cases, such as when the Policy's death benefit is driven by the Corridor Factor, the death benefit may be reduced by more than the amount of the partial withdrawal (including Advisory Fee withdrawals). </td></tr> <tr style="vertical-align: top"> <td id="xdx_981_evip--PrincipalRiskTextBlock_c20260501__20260501__vip--RiskAxis__custom--PolicyLoanRisksMember_zqEnYudQ2E57" style="padding-right: 1.45pt; padding-left: 1.45pt"> Policy Loan Risks A Policy Loan, whether or not repaid, will affect the Cash Surrender Value of your Policy over time. We will transfer all Policy Loan amounts from the Subaccounts and the Fixed Account to a Loan Account. The Loan Account does not participate in the investment experience of the Investment Options or receive any higher current interest rate credited to the Fixed Account. The larger a Policy Loan Balance becomes relative to the Policy's Cash Surrender Value, the greater the risk that the Policy's Cash Surrender Value will not be sufficient to support the Policy's charges and expenses, including any Policy Loan interest due, and the greater the risk of the Policy lapsing. Any Policy Loan interest payable on a Policy Anniversary that you do not pay will become part of the outstanding Policy Loan principal and will also accrue interest. Further, the death benefit is reduced by the amount of any outstanding Policy Loan and accrued Policy Loan interest. Your Policy may lapse if your outstanding Policy Loan and accrued Policy Loan interest reduce the Cash Surrender Value to zero. There is a tax risk associated with outstanding debt. If you Surrender your Policy or your Policy lapses while there is an outstanding Policy Loan, there will generally be Federal income tax payable on the amount by which Policy Loans and partial withdrawals exceed the premiums paid. Since Policy Loans reduce your Policy’s Cash Surrender Value, any remaining Cash Surrender Value may be insufficient to pay the income tax due and may cause the need for additional premium to keep your Policy in force. </td></tr> <tr style="vertical-align: top"> <td id="xdx_988_evip--PrincipalRiskTextBlock_c20260501__20260501__vip--RiskAxis__custom--LimitationsOnAccessToCashValueMember_zUcnkkMdEoW9" style="padding-right: 1.45pt; padding-left: 1.45pt"> Limitations on Access to Cash Value There is no minimum Policy Loan amount. We limit partial withdrawals to a minimum of $100 and a maximum such that the remaining Cash Surrender Value is at least an amount sufficient to maintain the Policy in force for the next three months. Policy Loans may only be taken if your Cash Surrender Value; less Policy Loan interest on the Policy Loan including the requested Policy Loan to the next Policy Anniversary; less the sum of the next three Monthly Deductions, is sufficient to keep your Policy in force. We may defer making a Policy Loan for up to six months unless the Policy Loan is to pay premiums to us. We can postpone payments or any transfers out of a Subaccount if (i) the New York Stock Exchange (NYSE) is closed for other than customary weekend and holiday closings; (ii) trading on the NYSE is restricted; (iii) an emergency exists as determined by the SEC; (iv) or the SEC permits delay for the protection of security holders. We may defer payments of a full or partial Surrender from the Fixed Account for up to six months from the date we received your Written Notice requesting the Surrender and receive approval from the department of insurance of the State where the Policy is delivered. The applicable rules of the SEC will govern as to whether the conditions in (iii) or (iv) exist. </td></tr> </table> <table cellpadding="0" cellspacing="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse"> <tr style="vertical-align: top"> <td id="xdx_98B_evip--PrincipalRiskTextBlock_c20260501__20260501__vip--RiskAxis__custom--TransferRisksMember_zdxLm5eWSSN3" style="width: 100%; padding-right: 1.45pt; padding-left: 1.45pt"> Transfer Risks There is a risk that you will not be able to transfer your Account Value from one Investment Option to another because of limits on the dollar amount or frequency of transfers you can make which the portfolio companies impose. We are required to restrict or prohibit transfer by Policy Owners identified as having engaged in transactions that violate fund trading policies. You should read each portfolio company's prospectus for further details. Limitations on transfers out of the Fixed Account are more restrictive than those that apply to transfers out of the Subaccounts. To discourage disruptive frequent trading activity, we impose restrictions on transfers (See the Disruptive Trading Procedures section) and reserve the right to change, suspend or terminate telephone, fax and Internet transaction privileges (See the Transfers section). In addition, we reserve the right to take other actions at any time to restrict trading, including, but not limited to: (i) restricting the number of transfers made during a defined period, (ii) restricting the dollar amount of transfers, and (iii) restricting transfers into and out of certain Subaccounts. We also reserve the right to defer a transfer at any time we are unable to purchase or redeem shares of the underlying portfolio. While we seek to identify and prevent disruptive frequent trading activity, it may not always be possible to do so. Therefore, no assurance can be given that the restrictions we impose will be successful in preventing all disruptive frequent trading and avoiding harm to long-term investors. </td></tr> <tr style="vertical-align: top"> <td id="xdx_985_evip--PrincipalRiskTextBlock_c20260501__20260501__vip--RiskAxis__custom--PotentialForIncreasedChargesMember_zxXOkyc4bPe" style="padding-right: 1.45pt; padding-left: 1.45pt"> Potential for Increased Charges The actual charges deducted are current charges on your Policy. However, we have the right to increase those charges at any time up to the guaranteed maximum charges as stated in your Policy. </td></tr> <tr style="vertical-align: top"> <td id="xdx_981_evip--PrincipalRiskTextBlock_c20260501__20260501__vip--RiskAxis__custom--MarketTimingRisksMember_zRicRzn0Ccwg" style="padding-right: 1.45pt; padding-left: 1.45pt"> Market Timing Risks Investments in variable life insurance products can be a prime target for abusive transfer activity because these products value their Subaccounts on a daily basis and allow transfers among Subaccounts without immediate tax consequences. As a result, some investors may seek to frequently transfer into and out of Subaccounts in reaction to market news or to exploit a perceived pricing inefficiency. Whatever the reason, long-term investors in a Subaccount can be harmed by frequent transfer activity since such activity may expose the Investment Option's underlying portfolio to increased portfolio transaction costs and/or disrupt the portfolio manager’s ability to effectively manage the portfolio’s investments in accordance with the portfolio’s investment objectives and policies, both of which may result in dilution with respect to interests held for long-term investment. </td></tr> <tr style="vertical-align: top"> <td id="xdx_98B_evip--PrincipalRiskTextBlock_c20260501__20260501__vip--RiskAxis__custom--TaxRisksMember_zvPUv86ydxZb" style="padding-right: 1.45pt; padding-left: 1.45pt"> Tax Risks We believe the Policy qualifies as a life insurance contract for Federal tax purposes; so that death benefits for individually owned life insurance generally are not subject to income tax, and you should not be considered in constructive receipt of the Cash Surrender Value, including any increases in Cash Surrender Value, unless and until it is distributed from the Policy. Other federal and state taxes may apply. In general, you will be taxed on the amount of a distribution if it exceeds the investment in the Policy (premiums paid). Any taxable distributions are treated as ordinary income (rather than as capital gains) for tax purposes. In order for you to receive the tax benefits extended to life insurance under the Internal Revenue Code (the "Code"), your Policy must comply with certain requirements of the Code. We will monitor your Policy for compliance with these requirements, but a Policy might fail to qualify as life insurance in spite of our monitoring. If this were to occur, you would be subject to income tax on the income credited to your Policy for the period of disqualification and all subsequent periods. Tax consequences of Ownership or receipt of Policy proceeds under federal, state and local estate, inheritance, gift and other tax laws can vary greatly depending upon the circumstances of each Owner or Beneficiary. There can also be unfavorable tax consequences on such things as the change of Policy Ownership or assignment of Ownership interests. Limits on premium payments and Treasury Department rules could also impact whether the Policy will qualify for the benefits extended to life insurance under the Code. There is no certainty that the expected benefits of life insurance, relative to other financial or investment products, will always continue to exist. We reserve the right to make such changes in the Policy as we deem necessary to assure it qualifies as a life insurance contract under the Code and continues to provide the tax benefits of such qualification. Buying a Policy might not be advisable if it is just replacing existing life insurance. You may wish to consult with your financial or insurance professional. </td></tr> <tr style="vertical-align: top"> <td id="xdx_982_evip--PrincipalRiskTextBlock_c20260501__20260501__vip--RiskAxis__custom--CybersecurityRiskMember_z0SQsMkjpsz7" style="padding-right: 1.45pt; padding-left: 1.45pt"> Cybersecurity Risk We are at risk for cyber security failures or breaches of our information and processing systems and the systems of our business partners that could have negative impacts on you. These impacts include, but are not limited to, potential financial losses under your Policy, your inability to conduct transactions under your Policy, our inability to calculate your Policy’s values, and the disclosure of your personal or confidential information. </td></tr> </table> <table cellpadding="0" cellspacing="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse"> <tr style="vertical-align: top"> <td id="xdx_98A_evip--PrincipalRiskTextBlock_c20260501__20260501__vip--RiskAxis__custom--RestrictionsOnFinancialTransactionsMember_zA903L5nQA12" style="width: 100%; padding-right: 1.45pt; padding-left: 1.45pt"> Restrictions on Financial Transactions Applicable laws designed to counter terrorism and prevent money laundering might, in certain circumstances, require us to reject a premium payment and/or block or “freeze” your Policy. If these laws apply in a particular situation, we would not be allowed to process any request for withdrawals, Surrenders, Policy Loans or death benefits, make transfers, or continue making payments under your death benefit option until instructions are received from the appropriate regulator. We also may be required to provide additional information about you or your Policy to government regulators. </td></tr> <tr style="vertical-align: top"> <td id="xdx_986_evip--PrincipalRiskTextBlock_c20260501__20260501__vip--RiskAxis__custom--OtherMattersMember_zSwnAg41OmO1" style="padding-right: 1.45pt; padding-left: 1.45pt"> Other Matters Pandemics and their related major public health issues have a major impact on the global economy and financial markets. Governmental and non-governmental organizations may not effectively combat the spread and severity of such a pandemic, increasing its harm to Ameritas Life. Any of these events could materially adversely affect the Company’s operations, business, financial results, or financial condition. </td></tr> </table> Not a Short-Term Investment The Policy is unsuitable for short-term savings or short-term life insurance needs and is subject to investment risk, including the loss of principal. This Policy is not considered a short-term investment because of the possibility of a tax penalty at the time of Surrender. Funds allocated to the Fixed Account are subject to the claims paying ability of the Company. You should evaluate the Policy's long-term investment potential and risks before purchasing a Policy. You should purchase a Policy only if you have the financial capability and the intent to keep the Policy in force for a substantial period of time. Portfolio Company Risk of Loss Your Account Value will fluctuate with the performance of the Investment Options you choose. You assume the risk that your Account Value may decline or not perform to your expectations. Each underlying portfolio has various investment risks and some have greater risks than others. If you are also invested in the Fixed Account, interest rates may also vary or not perform to your expectations. There is no assurance that any underlying portfolio will meet its objectives. Prospectuses for Investment Options are available at our website, ameritas.com/investments/fund-prospectuses or by calling 800-255-9678. Fixed Account Risks The Fixed Account is part of the General Account of Ameritas Life Insurance Corp. The obligations of the General Account including any interest credited to the Fixed Account, and any guaranteed benefits we may provide under the Policy that exceed the value of amounts held in the Separate Account, are subject to the claims of our creditors, the financial strength and the claims paying ability of the Company. The General Account is not a bank account and it is not insured by the FDIC or any other government agency. Insurance Company Risks Ameritas Life has sole legal responsibility to pay amounts that are owed under the Policy. You should look to the financial strength of Ameritas Life for its claims-paying ability. We are also exposed to risks related to natural and human-made disasters or other events, including (but not limited to) earthquakes, fires, floods, storms, epidemics and pandemics (such as COVID-19), terrorist acts, civil unrest, malicious acts and/or other events that could adversely affect our ability to conduct business. The risks from such events are common to all insurers. To mitigate such risks, we have business continuity plans in place that include remote workforces, remote system and telecommunication accessibility, and other plans to ensure availability of critical resources and business continuity during an event. Such events can also have an adverse impact on financial markets, U.S. and global economies, service providers, and Fund performance for the portfolios available through your Policy. There can be no assurance that we, the Funds, or our service providers will avoid such adverse impacts due to such event and some events may be beyond control and cannot be fully mitigated or foreseen. Surrender Risks The Policy is designed to provide lifetime insurance protection. Depending on the Account Value at the time you are considering Surrender, there may be little or no Cash Surrender Value payable to you. Surrender of a Policy while a Policy Loan is outstanding could result in significant tax consequences. A surrender before age 59 ½ may also result in tax penalties. Following a full Surrender, all your rights in the Policy end, and the Policy may not be reinstated. Partial Withdrawal Risks Upon a partial withdrawal from your Policy, we will deduct a Partial Withdrawal Charge. This fee will be deducted from the Investment Options and in the same allocation as your partial withdrawal allocation instruction; if that is not possible (due to insufficient value in one of the Investment Options you elect) or you have not given such instructions, we will deduct this fee on a Pro-Rata basis from balances in all Subaccounts and the Fixed Account. Partial withdrawals may reduce the amount of the death benefit. In some cases, such as when the Policy's death Benefit is driven by the Corridor Factor, the death benefit may be reduced by more than the amount of the partial withdrawal. Taxes and tax penalties may apply. Advisory Fee Risks This Policy may be available through third-party financial intermediaries who charge an Advisory Fee for their services. These fees are in addition to Policy fees and expenses described in this prospectus. If the Policy Owner elects to pay the Advisory Fees from the Account Value, this will reduce the Account Value and death benefit under the Policy by the same calculation as any other withdrawals, with the exception that the Specified Amount will not be reduced by the amount of these Advisory Fees. In some cases, such as when the Policy's death benefit is driven by the Corridor Factor, withdrawing part of the Account Value may result in a death benefit reduction that is larger than the amount of the partial withdrawal. In addition, Advisory Fee withdrawals may be subject to federal and state income taxes and may be subject to a 10% federal tax penalty. The Internal Revenue Service has not ruled on the use of this endorsement. We strongly urge you to consult legal counsel and your personal tax and financial professional. For more information, see Advisory Fee Endorsement under OTHER BENEFITS AVAILABLE UNDER THE POLICY, Partial Withdrawals and Advisory Fees under SURRENDERS AND WITHDRAWALS, and TAXES. Lapse Risks If the Cash Surrender Value is not sufficient to pay charges when due, your Policy can terminate, or "lapse." This can happen if you have not paid enough premiums or if the Investment Options you selected experienced poor performance or because of a combination of both factors. This can happen even if you pay the Planned Periodic Premiums. You will be given a "grace period" within which to make additional premium payments to keep the Policy from lapsing. You will have a 61-day "grace period" to make a premium payment to continue your Policy. If your Policy lapses, your insurance coverage will terminate; you may be given the opportunity to reinstate the Policy by making the required premium payments and satisfying certain other conditions. Since partial withdrawals reduce your Account Value, partial withdrawals increase the risk of lapse. A Policy Loan also increases the risk of lapse. If the Policy lapses because a grace period ended without a sufficient payment being made, you may reinstate it within five years of the date of lapse, so long as the Insured is Attained Age 80 or less and the requirements of reinstatement are met, including evidence of insurability. For more information see REINSTATEMENT under LAPSE AND REINSTATEMENT. Death Benefit Risks Death benefit proceeds are reduced by any Policy Loan Balance, Lien Balance, and any Monthly Deductions due but unpaid at death. Depending upon your choice of death benefit option, adverse performance of the Investment Options you choose may decrease your Policy's death benefit. In some cases, such as when the Policy's death benefit is driven by the Corridor Factor, the death benefit may be reduced by more than the amount of the partial withdrawal (including Advisory Fee withdrawals). Policy Loan Risks A Policy Loan, whether or not repaid, will affect the Cash Surrender Value of your Policy over time. We will transfer all Policy Loan amounts from the Subaccounts and the Fixed Account to a Loan Account. The Loan Account does not participate in the investment experience of the Investment Options or receive any higher current interest rate credited to the Fixed Account. The larger a Policy Loan Balance becomes relative to the Policy's Cash Surrender Value, the greater the risk that the Policy's Cash Surrender Value will not be sufficient to support the Policy's charges and expenses, including any Policy Loan interest due, and the greater the risk of the Policy lapsing. Any Policy Loan interest payable on a Policy Anniversary that you do not pay will become part of the outstanding Policy Loan principal and will also accrue interest. Further, the death benefit is reduced by the amount of any outstanding Policy Loan and accrued Policy Loan interest. Your Policy may lapse if your outstanding Policy Loan and accrued Policy Loan interest reduce the Cash Surrender Value to zero. There is a tax risk associated with outstanding debt. If you Surrender your Policy or your Policy lapses while there is an outstanding Policy Loan, there will generally be Federal income tax payable on the amount by which Policy Loans and partial withdrawals exceed the premiums paid. Since Policy Loans reduce your Policy’s Cash Surrender Value, any remaining Cash Surrender Value may be insufficient to pay the income tax due and may cause the need for additional premium to keep your Policy in force. Limitations on Access to Cash Value There is no minimum Policy Loan amount. We limit partial withdrawals to a minimum of $100 and a maximum such that the remaining Cash Surrender Value is at least an amount sufficient to maintain the Policy in force for the next three months. Policy Loans may only be taken if your Cash Surrender Value; less Policy Loan interest on the Policy Loan including the requested Policy Loan to the next Policy Anniversary; less the sum of the next three Monthly Deductions, is sufficient to keep your Policy in force. We may defer making a Policy Loan for up to six months unless the Policy Loan is to pay premiums to us. We can postpone payments or any transfers out of a Subaccount if (i) the New York Stock Exchange (NYSE) is closed for other than customary weekend and holiday closings; (ii) trading on the NYSE is restricted; (iii) an emergency exists as determined by the SEC; (iv) or the SEC permits delay for the protection of security holders. We may defer payments of a full or partial Surrender from the Fixed Account for up to six months from the date we received your Written Notice requesting the Surrender and receive approval from the department of insurance of the State where the Policy is delivered. The applicable rules of the SEC will govern as to whether the conditions in (iii) or (iv) exist. Transfer Risks There is a risk that you will not be able to transfer your Account Value from one Investment Option to another because of limits on the dollar amount or frequency of transfers you can make which the portfolio companies impose. We are required to restrict or prohibit transfer by Policy Owners identified as having engaged in transactions that violate fund trading policies. You should read each portfolio company's prospectus for further details. Limitations on transfers out of the Fixed Account are more restrictive than those that apply to transfers out of the Subaccounts. To discourage disruptive frequent trading activity, we impose restrictions on transfers (See the Disruptive Trading Procedures section) and reserve the right to change, suspend or terminate telephone, fax and Internet transaction privileges (See the Transfers section). In addition, we reserve the right to take other actions at any time to restrict trading, including, but not limited to: (i) restricting the number of transfers made during a defined period, (ii) restricting the dollar amount of transfers, and (iii) restricting transfers into and out of certain Subaccounts. We also reserve the right to defer a transfer at any time we are unable to purchase or redeem shares of the underlying portfolio. While we seek to identify and prevent disruptive frequent trading activity, it may not always be possible to do so. Therefore, no assurance can be given that the restrictions we impose will be successful in preventing all disruptive frequent trading and avoiding harm to long-term investors. Potential for Increased Charges The actual charges deducted are current charges on your Policy. However, we have the right to increase those charges at any time up to the guaranteed maximum charges as stated in your Policy. Market Timing Risks Investments in variable life insurance products can be a prime target for abusive transfer activity because these products value their Subaccounts on a daily basis and allow transfers among Subaccounts without immediate tax consequences. As a result, some investors may seek to frequently transfer into and out of Subaccounts in reaction to market news or to exploit a perceived pricing inefficiency. Whatever the reason, long-term investors in a Subaccount can be harmed by frequent transfer activity since such activity may expose the Investment Option's underlying portfolio to increased portfolio transaction costs and/or disrupt the portfolio manager’s ability to effectively manage the portfolio’s investments in accordance with the portfolio’s investment objectives and policies, both of which may result in dilution with respect to interests held for long-term investment. Tax Risks We believe the Policy qualifies as a life insurance contract for Federal tax purposes; so that death benefits for individually owned life insurance generally are not subject to income tax, and you should not be considered in constructive receipt of the Cash Surrender Value, including any increases in Cash Surrender Value, unless and until it is distributed from the Policy. Other federal and state taxes may apply. In general, you will be taxed on the amount of a distribution if it exceeds the investment in the Policy (premiums paid). Any taxable distributions are treated as ordinary income (rather than as capital gains) for tax purposes. In order for you to receive the tax benefits extended to life insurance under the Internal Revenue Code (the "Code"), your Policy must comply with certain requirements of the Code. We will monitor your Policy for compliance with these requirements, but a Policy might fail to qualify as life insurance in spite of our monitoring. If this were to occur, you would be subject to income tax on the income credited to your Policy for the period of disqualification and all subsequent periods. Tax consequences of Ownership or receipt of Policy proceeds under federal, state and local estate, inheritance, gift and other tax laws can vary greatly depending upon the circumstances of each Owner or Beneficiary. There can also be unfavorable tax consequences on such things as the change of Policy Ownership or assignment of Ownership interests. Limits on premium payments and Treasury Department rules could also impact whether the Policy will qualify for the benefits extended to life insurance under the Code. There is no certainty that the expected benefits of life insurance, relative to other financial or investment products, will always continue to exist. We reserve the right to make such changes in the Policy as we deem necessary to assure it qualifies as a life insurance contract under the Code and continues to provide the tax benefits of such qualification. Buying a Policy might not be advisable if it is just replacing existing life insurance. You may wish to consult with your financial or insurance professional. Cybersecurity Risk We are at risk for cyber security failures or breaches of our information and processing systems and the systems of our business partners that could have negative impacts on you. These impacts include, but are not limited to, potential financial losses under your Policy, your inability to conduct transactions under your Policy, our inability to calculate your Policy’s values, and the disclosure of your personal or confidential information. Restrictions on Financial Transactions Applicable laws designed to counter terrorism and prevent money laundering might, in certain circumstances, require us to reject a premium payment and/or block or “freeze” your Policy. If these laws apply in a particular situation, we would not be allowed to process any request for withdrawals, Surrenders, Policy Loans or death benefits, make transfers, or continue making payments under your death benefit option until instructions are received from the appropriate regulator. We also may be required to provide additional information about you or your Policy to government regulators. Other Matters Pandemics and their related major public health issues have a major impact on the global economy and financial markets. Governmental and non-governmental organizations may not effectively combat the spread and severity of such a pandemic, increasing its harm to Ameritas Life. Any of these events could materially adversely affect the Company’s operations, business, financial results, or financial condition. <table cellpadding="0" cellspacing="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse"> <tr style="vertical-align: top"> <td style="border-bottom: Black 1.5pt solid; width: 100%; padding-left: 1.45pt; font-weight: normal; line-height: 90%; font-size: 14pt">STANDARD DEATH BENEFITS</td></tr> </table> The principal purpose of the Policy is to provide a death benefit upon the Insured's death, but before then you may also borrow against the Policy's Cash Surrender Value, take a partial withdrawal, or fully Surrender it for its Cash Surrender Value. Tax penalties may apply to amounts taken out of your Policy. The Policy will terminate and all insurance will stop when the Insured dies. DEATH BENEFIT Upon the Insured's death, we will pay to the Policy Beneficiary: <table cellpadding="0" cellspacing="0" style="font: 10pt/90% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="vertical-align: top"> <td style="width: 0"></td><td style="width: 0.25in">§</td><td style="padding-right: 4.3pt">the death benefit on the Insured's life under the death benefit option in effect; plus</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 10pt/90% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="vertical-align: top"> <td style="width: 0"></td><td style="width: 0.25in">§</td><td style="padding-right: 4.3pt">any additional life insurance proceeds provided by any optional benefit or rider; minus</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 10pt/90% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="vertical-align: top"> <td style="width: 0"></td><td style="width: 0.25in">§</td><td style="padding-right: 4.3pt">any Policy Loan Balance; minus</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 10pt/90% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="vertical-align: top"> <td style="width: 0"></td><td style="width: 0.25in">§</td><td style="padding-right: 4.3pt">any Policy Lien Balance; minus</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 10pt/90% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="vertical-align: top"> <td style="width: 0"></td><td style="width: 0.25in">§</td><td style="padding-right: 4.3pt">any overdue Monthly Deductions, including the Monthly Deduction for the month of death.</td></tr></table> We will pay the death benefit proceeds after we receive satisfactory proof that the Insured died while the Policy was in force and other proof that we may require in order to investigate the claim. We will pay the death benefit proceeds in a lump-sum payment to the Beneficiary. We will include interest from the Insured's date of death to the payment date. The rate of interest will be at least the amount required by law. Full payment of the death benefit proceeds discharges us from any and all claims. Death Benefit Options When you apply for your Policy, you will choose one of the three death benefit options, which will be used to determine the death benefit. Your Account Value and death benefit may vary based on the performance of the variable Investment Options you select. If we issue a Policy, insurance coverage will be effective as of the Policy Date. Death Benefit Option A Under Option A, the death benefit is the greater of: <table cellpadding="0" cellspacing="0" style="font: 10pt/90% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="vertical-align: top"> <td style="width: 0"></td><td style="width: 0.25in">§</td><td>the Specified Amount of insurance coverage; and</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 10pt/90% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="vertical-align: top"> <td style="width: 0"></td><td style="width: 0.25in">§</td><td>the Account Value multiplied by the Corridor Factor.</td></tr></table> Death Benefit Option B Under Option B, the death benefit is the greater of: <table cellpadding="0" cellspacing="0" style="font: 10pt/90% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="vertical-align: top"> <td style="width: 0"></td><td style="width: 0.25in">§</td><td>the Specified Amount of insurance coverage plus the Account Value; and</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 10pt/90% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="vertical-align: top"> <td style="width: 0"></td><td style="width: 0.25in">§</td><td>the Account Value multiplied by the Corridor Factor.</td></tr></table> Death Benefit Option C (available at issue only) Under Option C, the death benefit is the greater of: <table cellpadding="0" cellspacing="0" style="font: 10pt/90% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="vertical-align: top"> <td style="width: 0"></td><td style="width: 0.25in">§</td><td>the Specified Amount of insurance coverage plus the sum of premiums paid minus the sum of partial withdrawals taken; and</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 10pt/90% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="vertical-align: top"> <td style="width: 0"></td><td style="width: 0.25in">§</td><td>the Account Value multiplied by the Corridor Factor.</td></tr></table> If you select Option C and the sum of partial withdrawals taken is greater than the sum of premiums paid, the death benefit may be less than the Specified Amount. When you apply for your Policy, you will also choose one of two alternative tests to evaluate whether your Policy qualifies as a life insurance contract under the Internal Revenue Code. Once you have chosen a test for tax qualification, you cannot change it. If you choose the guideline premium test ("GPT"), total premium payments may not exceed the guideline premium payment limitations for life insurance set forth under the Internal Revenue Code. If you choose the cash value accumulation test ("CVAT"), the guideline premium limitations do not apply. The Corridor Factors are shown in the Policy schedule. Changes in Death Benefit Option You select the death benefit option when you apply for the Policy. You also may change the death benefit option after the first Policy year, as discussed below. Changes in Death Benefit Option Rules <table cellpadding="0" cellspacing="0" style="font: 10pt/90% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="vertical-align: top"> <td style="width: 0"></td><td style="width: 0.25in">§</td><td>Your request for a change must be by Written Notice.</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 10pt/90% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="vertical-align: top"> <td style="width: 0"></td><td style="width: 0.25in">§</td><td>You may not change from death benefit Option A or B to death benefit Option C.</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 10pt/90% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="vertical-align: top"> <td style="width: 0"></td><td style="width: 0.25in">§</td><td>You can only change your Policy death benefit option once each Policy year. The change will be effective on the Monthly Date after we receive (or, if evidence of insurability is necessary, after we approve) your Written Notice.</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 10pt/90% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="vertical-align: top"> <td style="width: 0"></td><td style="width: 0.25in">§</td><td>There is no fee to change your Policy death benefit option.</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 10pt/90% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="vertical-align: top"> <td style="width: 0"></td><td style="width: 0.25in">§</td><td>Changing from Option B to Option A, or from Option C to Option A: The Specified Amount will not change, and the death benefit will be reduced to equal the Specified Amount.</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 10pt/90% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="vertical-align: top"> <td style="width: 0"></td><td style="width: 0.25in">§</td><td>Changing from Option A to Option B, or from Option C to Option B: The Specified Amount will be adjusted so that the Net Amount at Risk is unchanged.</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 10pt/90% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="vertical-align: top"> <td style="width: 0"></td><td style="width: 0.25in">§</td><td>The change is allowed only if the new Specified Amount of insurance meets the requirements stated in the Changes in Specified Amount section, below.</td></tr></table> Changes in Specified Amount The initial Specified Amount is set at the time we issue your Policy. The Specified Amount may change from time to time, as discussed below. A change in Specified Amount could have federal tax consequences (See the TAX MATTERS section). On or after one year from the Policy Date, you may change the current Specified Amount of insurance coverage by Written Notice on a form provided by us, and subject to our approval. INCREASE in Coverage Rules <table cellpadding="0" cellspacing="0" style="font: 10pt/90% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="vertical-align: top"> <td style="width: 0"></td><td style="width: 0.25in">§</td><td>The minimum amount of an increase in Specified Amount of insurance coverage is $25,000.</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 10pt/90% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="vertical-align: top"> <td style="width: 0"></td><td style="width: 0.25in">§</td><td>An increase of the Specified Amount will require evidence of insurability satisfactory to us and be subject to our underwriting limits in place at that time.</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 10pt/90% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="vertical-align: top"> <td style="width: 0"></td><td style="width: 0.25in">§</td><td>Any increase of the Specified Amount will be subject to increased cost of insurance charges and monthly Specified Amount charges, based on the Insured's gender and the Issue Age and rate class for the increase. You will receive a revised Policy schedule stating the increased charges.</td></tr></table> DECREASE in Coverage Rules <table cellpadding="0" cellspacing="0" style="font: 10pt/90% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="vertical-align: top"> <td style="width: 0"></td><td style="width: 0.25in">§</td><td>The amount of any decrease may be no less than $1,000.</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 10pt/90% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="vertical-align: top"> <td style="width: 0"></td><td style="width: 0.25in">§</td><td>Any reduction in the Specified Amount will be in the following order:</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 10pt/90% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="vertical-align: top"> <td style="width: 0.25in"></td><td style="width: 0.25in">·</td><td>first, reduce the most recent increase of the Specified Amount;</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 10pt/90% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="vertical-align: top"> <td style="width: 0.25in"></td><td style="width: 0.25in">·</td><td>then, the next most recent increases; and</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 10pt/90% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="vertical-align: top"> <td style="width: 0.25in"></td><td style="width: 0.25in">·</td><td>finally, the Policy's initial Specified Amount.</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 10pt/90% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="vertical-align: top"> <td style="width: 0"></td><td style="width: 0.25in">§</td><td>Any decrease of the Specified Amount you request will not reduce the monthly Specified Amount charges in effect at the time of the decrease.</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 10pt/90% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="vertical-align: top"> <td style="width: 0"></td><td style="width: 0.25in">§</td><td>The Specified Amount of coverage after the decrease must be at least $50,000. We may limit any requested decrease to the amount necessary to keep the Policy in compliance with maximum premium limits under federal tax law.</td></tr></table> No Maturity Date This Policy does not have a maturity date. If the Insured is still living at Attained Age 121, all Monthly Deductions will cease, and we will not accept any additional premiums except for amounts required to keep the Policy in force. New Policy Loans and Policy Loan repayments can continue to be made and the Policy Loan Balance will continue to accrue interest. The death benefit option will be changed to Option A, and partial withdrawals are not permitted after Attained Age 121. You may Surrender your policy if you do not want coverage to continue past Attained Age 121. Continuing coverage beyond attained age 121 may disqualify the insurance for favorable tax treatment. You should consult a tax advisor before you choose to continue your policy after Attained Age 121. Payment of Policy Proceeds A primary function of a life insurance policy is to provide payment of Policy proceeds. Policy proceeds are payable upon the Insured's death, a full Surrender or partial withdrawal of Account Value, or upon any other benefit where certain proceeds are payable. We will make payment in a lump sum to the Beneficiary. Rules for Payment of Policy Proceeds <table cellpadding="0" cellspacing="0" style="font: 10pt/90% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="vertical-align: top"> <td style="width: 0"></td><td style="width: 0.25in">§</td><td>Payees must be individuals who receive payments in their own behalf unless otherwise agreed to by us.</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 10pt/90% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="vertical-align: top"> <td style="width: 0"></td><td style="width: 0.25in">§</td><td>We may require proof of your age or survival or the age or survival of the payee.</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 10pt/90% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="vertical-align: top"> <td style="width: 0"></td><td style="width: 0.25in">§</td><td>No payee may commute, encumber or alienate any proceeds under this Policy before they are due. No proceeds are subject to attachment for any debt or obligation of any payee.</td></tr></table> Payment of Death Benefit Proceeds We may pay death benefit proceeds in a lump sum by establishing an interest bearing account for the Beneficiary, in the amount of the death benefit proceeds payable. The same interest rate schedule and other account terms will apply to all Beneficiary accounts in place at any given time. We will send the Beneficiary a checkbook within seven days after we receive all the required documents, and the Beneficiary will have immediate access to the account simply by writing a check for all or any part of the amount of the death benefit proceeds payable. The account is part of our General Account. It is not a bank account and it is not insured by the FDIC or any other government agency. As part of our General Account, it is subject to the claims of our creditors. We receive a benefit from all amounts left in the General Account. We will include interest from the Insured’s date of death to the payment date. <table cellpadding="0" cellspacing="0" style="font: 10pt/90% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="vertical-align: top"> <td style="width: 0"></td><td style="width: 0.25in">(1)</td><td>Interest will accrue at the rate set by the Company for interest credited on death benefit proceeds. In determining the effective annual rate, we shall use the rate in effect on the date of death.</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 10pt/90% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="vertical-align: top"> <td style="width: 0"></td><td style="width: 0.25in">(2)</td><td>Interest will accrue at the effective annual rate determined in item (1) above, plus additional interest at a rate of 10% annually beginning with the date that is 31 calendar days from the latest of items (a), (b) and (c) below to the date the claim is paid.</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 10pt/90% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="vertical-align: top"> <td style="width: 0.25in"></td><td style="width: 0.25in">(a)</td><td>the date that we receive satisfactory proof of death of the Insured;</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 10pt/90% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="vertical-align: top"> <td style="width: 0.25in"></td><td style="width: 0.25in">(b)</td><td>the date that we receive sufficient information to determine our liability, the extent of that liability, and the appropriate payee legally entitled to the proceeds;</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 10pt/90% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="vertical-align: top"> <td style="width: 0.25in"></td><td style="width: 0.25in">(c)</td><td>the date that legal impediments to payment of proceeds that depend on the action of parties other than us are resolved and sufficient evidence of the same is provided to us. Legal impediments to payment include, but are not limited to:</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 10pt/90% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="vertical-align: top"> <td style="width: 0.5in"></td><td style="width: 0.25in">(i)</td><td>the establishment of guardianships and conservatorships;</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 10pt/90% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="vertical-align: top"> <td style="width: 0.5in"></td><td style="width: 0.25in">(ii)</td><td>the appointment and qualification of trustees, executors and administrators; and</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 10pt/90% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="vertical-align: top"> <td style="width: 0.5in"></td><td style="width: 0.25in">(iii)</td><td>the submission of information required to satisfy state and federal reporting requirements.</td></tr></table> Misstatement of Age or Gender If an Insured's age or gender has been misstated on the application, an adjustment will be made to reflect the correct age and gender. If the misstatement is discovered at death, the Policy death benefit and any additional benefits provided will be adjusted based on what the cost of insurance rate as of the most recent Monthly Date would have purchased at the Insured's correct age and gender. If the misstatement is discovered prior to death, the Cash Surrender Value will be adjusted, based on the Insured's correct age and gender, to reflect the expense charges, and cost of insurance rates from the Policy Date. Suicide We will terminate the Policy without payment of the death benefit and give back the premiums received, less any partial withdrawals and Policy Loan Balance, if the Insured, while sane or insane, commits suicide within two years (one year in North Dakota) after the date the Policy was issued. We will pay only the Monthly Deductions for an increase in Specified Amount of insurance if the Insured, while sane or insane, commits suicide within two years (one year in North Dakota) after the effective date of any increase. Riders to the Policy may have separate suicide provisions. RELIANCE The Policy was issued based on the answers in the application and supplemental applications. We have assumed all such answers to be true and complete. If any are not, we may, subject to the Incontestability provision, have the right to void the Policy and give back premiums paid, minus any Policy Loan Balance and any partial withdrawals. Incontestability We will not contest the Policy, in the absence of fraud, after it has been in force while the Insured is alive for two years from the Issue Date, nor will we contest any increased benefits later than two years after the effective date of such increase. If you did not request the increase or if evidence of insurability was not required, we will not contest the increase. Increased benefits, for the purposes of this provision, shall include any favorable Policy changes you request. If the Policy is reinstated, the contestable period will start over again beginning on the reinstatement date, but only for statements made in the application for reinstatement. Riders to the Policy may have separate incontestability provisions. Assignment You may assign your Policy by giving Written Notice. We will not be responsible for the validity or tax consequences of an assignment. Unless you specify otherwise, the assignment will take effect on the date the Written Notice was signed by you. No assignment will be binding on us until we receive Written Notice. We will not be liable for any payments we make or actions we take before we receive Written Notice of an assignment. Your rights, and the rights of any Beneficiary or payee, will be subject to any assignment. An assignment is subject to any Policy Loan. UNCLAIMED DEATH BENEFIT PROCEEDS Every state has unclaimed property laws that generally declare life insurance policies to be abandoned after a period of inactivity of three to five years from the date any death benefit is due and payable. For example, if the payment of a death benefit has been triggered, and after a thorough search, we are still unable to locate the Beneficiary of the death benefit, the death benefit will be paid to the abandoned property investment division or unclaimed property office of the state in which the Beneficiary or the Policy Owner last resided, as shown on our books and records. However, the state is obligated to pay the death benefit (without interest) if your Beneficiary steps forward to claim it with the proper documentation and within certain mandated periods. To prevent your Policy’s death benefit from being paid to the state’s abandoned or unclaimed property office, it is important that you update your Beneficiary designation—including complete names and complete address—if and as they change. <table cellpadding="0" cellspacing="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse"> <tr style="vertical-align: top"> <td style="border-bottom: Black 1.5pt solid; width: 100%; padding-left: 1.45pt; font-weight: normal; line-height: 90%; font-size: 14pt">OTHER BENEFITS AVAILABLE UNDER THE POLICY</td></tr> </table> In addition to the standard death benefit(s) associated with your Policy, other standard and/or optional benefits may be available to you. The following table(s) summarize information about those benefits. Information about the fees associated with each benefit included in the table(s) may be found in the FEE TABLE. <table cellpadding="0" cellspacing="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse"> <tr style="vertical-align: top; background-color: #D9D9D9"> <td style="border: Black 1pt solid; width: 22%; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">Name of Benefit</td> <td style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; width: 22%; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">Purpose</td> <td style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; width: 22%"> Is Benefit Standard or Optional</td> <td style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; width: 34%; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">Brief Description of Restrictions/Limitations*</td></tr> <tr style="vertical-align: top; background-color: white"> <td id="xdx_987_evip--NameOfBenefitTextBlock_c20260501__20260501__vip--BenefitAxis__custom--TerminalIllnessRiderMember_zHoNeqY0i7Td" style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid"> Accelerated Death Benefit for Terminal Illness Rider</td> <td id="xdx_980_evip--PurposeOfBenefitTextBlock_c20260501__20260501__vip--BenefitAxis__custom--TerminalIllnessRiderMember_zHl0tlrm9Ki7" style="border-right: Black 1pt solid; border-bottom: Black 1pt solid"> This rider provides the ability to accelerate a portion of the death benefit to be a living benefit, allowing you to withdraw value from the Policy, as defined in the rider, in the event of diagnosis of terminal illness.</td> <td id="xdx_98C_evip--StandardBenefitFlag_dxL_c20260501__20260501__vip--BenefitAxis__custom--TerminalIllnessRiderMember_zV5qK1sFWk9e" style="border-right: Black 1pt solid; border-bottom: Black 1pt solid" title="::XDX::true"> Standard</td> <td id="xdx_983_evip--BriefRestrictionsLimitationsTextBlock_c20260501__20260501__vip--BenefitAxis__custom--TerminalIllnessRiderMember_z50t9VrLYd2a" style="border-right: Black 1pt solid; border-bottom: Black 1pt solid"> Available for Issue Ages 0-80. We charge an administrative fee when this rider is exercised. The administrative fee is added to the Lien Balance. The amount available is no more than 75% of the total Specified Amount, up to $1,000,000, payable under the Policy. Your death benefit and access to the Account Value will be reduced by the Lien Balance. We will charge interest on the Lien Balance. After we pay the accelerated benefit, your access to the Cash Surrender Value and Policy lapse benefits will be restricted to the excess of the Cash Surrender Value over any Lien Balance. You are required to pay the premium necessary to keep the base Policy and any attached riders in force. The accelerated death benefit must be requested before the Policy Anniversary on which the Insured attains the maximum acceleration age shown on the Policy schedule. </td></tr> <tr style="vertical-align: top"> <td id="xdx_985_evip--NameOfBenefitTextBlock_c20260501__20260501__vip--BenefitAxis__custom--AdvisoryFeeEndorsementMember_zoWCJhCpWDJ1" style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid"> Advisory Fee Endorsement</td> <td id="xdx_984_evip--PurposeOfBenefitTextBlock_c20260501__20260501__vip--BenefitAxis__custom--AdvisoryFeeEndorsementMember_zGFKdAZsuFDl" style="border-right: Black 1pt solid; border-bottom: Black 1pt solid"> This endorsement provides the ability to pay Advisory Fees to a registered investment advisor who has an agreement with the Policy owner. Advisory Fees shall not exceed 1.5% of the Account Value on an annualized basis.</td> <td id="xdx_98B_evip--StandardBenefitFlag_dxL_c20260501__20260501__vip--BenefitAxis__custom--AdvisoryFeeEndorsementMember_z08L31Ebqxsa" style="border-right: Black 1pt solid; border-bottom: Black 1pt solid" title="::XDX::true"> Standard</td> <td id="xdx_981_evip--BriefRestrictionsLimitationsTextBlock_c20260501__20260501__vip--BenefitAxis__custom--AdvisoryFeeEndorsementMember_zyIAE3iom9ah" style="border-right: Black 1pt solid; border-bottom: Black 1pt solid"> Not available in North Dakota. There is no minimum Advisory Fee amount. The maximum advisory fee amount is the lesser of (1) 1.5% of the Account Value on an annualized basis; or (2) the Cash Surrender Value minus the sum of the next three Monthly Deductions. In some cases, such as when the Policy's death benefit is driven by the Corridor Factor, withdrawing part of the Account Value may result in a death benefit reduction that is larger than the amount of the partial withdrawal. </td></tr> </table> <table cellpadding="0" cellspacing="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse"> <tr style="vertical-align: top; background-color: #D9D9D9"> <td style="border: Black 1pt solid; width: 22%; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center"> Name of Benefit</td> <td style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; width: 22%; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">Purpose</td> <td style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; width: 22%"> Is Benefit Standard or Optional</td> <td style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; width: 34%; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">Brief Description of Restrictions/Limitations*</td></tr> <tr style="vertical-align: top"> <td id="xdx_98C_evip--NameOfBenefitTextBlock_c20260501__20260501__vip--BenefitAxis__custom--OverloanProtectionBenefitEndorsementMember_zRO36JJJNEza" style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid"> Overloan Protection Benefit Endorsement</td> <td id="xdx_981_evip--PurposeOfBenefitTextBlock_c20260501__20260501__vip--BenefitAxis__custom--OverloanProtectionBenefitEndorsementMember_zm6Gud4vQ28d" style="border-right: Black 1pt solid; border-bottom: Black 1pt solid"> This endorsement protects your Policy from lapsing under certain conditions when your outstanding Policy Loan is large relative to your Account Value and Specified Amount.</td> <td id="xdx_984_evip--StandardBenefitFlag_dxL_c20260501__20260501__vip--BenefitAxis__custom--OverloanProtectionBenefitEndorsementMember_z1ILVfEPkEXj" style="border-right: Black 1pt solid; border-bottom: Black 1pt solid" title="::XDX::true"> Standard for Owners that select the guideline premium test ("GPT")</td> <td id="xdx_98C_evip--BriefRestrictionsLimitationsTextBlock_c20260501__20260501__vip--BenefitAxis__custom--OverloanProtectionBenefitEndorsementMember_zSkwz5ViEpwk" style="border-right: Black 1pt solid; border-bottom: Black 1pt solid"> Endorsement may be exercised if the Insured is Insured age 75 or older. The Policy must be in its 11th Policy year or later. The outstanding Policy Loan must be more than 92.5%, but less than 96% of the Account Value. If the outstanding Policy Loan is greater than 96% of your Account Value, you can repay Policy Debt to bring the balance within the range of 92.5% and 96% of your Account Value. The outstanding Policy Loan must be more than the Specified Amount. For Owners that select the guideline premium test ("GPT"), the endorsement is "inherent" (i.e. added to all Policies). The endorsement is unavailable for Owners that select the cash value accumulation test ("CVAT"). The endorsement has no annual cost until the Owner elects the option. If this rider is elected, any rider attached to the Policy will terminate. Further no additional premiums will be accepted. </td></tr> <tr style="vertical-align: top"> <td id="xdx_98B_evip--NameOfBenefitTextBlock_c20260501__20260501__vip--BenefitAxis__custom--DollarCostAveragingMember_zCsQlP5SdGab" style="border-right: Black 1pt solid; border-left: Black 1pt solid"> Dollar Cost Averaging ("DCA")</td> <td id="xdx_989_evip--PurposeOfBenefitTextBlock_c20260501__20260501__vip--BenefitAxis__custom--DollarCostAveragingMember_zCtxpS7tBTBb" style="border-right: Black 1pt solid"> This is a systematic transfer program that allows you to automatically transfer, on a periodic basis, a set dollar amount or percentage from the money market subaccount or the Fixed Account to any other Subaccount(s) or the Fixed Account.</td> <td id="xdx_98A_evip--StandardBenefitFlag_dxL_c20260501__20260501__vip--BenefitAxis__custom--DollarCostAveragingMember_zZKNOX3pYO07" style="border-right: Black 1pt solid" title="::XDX::true"> Standard</td> <td id="xdx_980_evip--BriefRestrictionsLimitationsTextBlock_c20260501__20260501__vip--BenefitAxis__custom--DollarCostAveragingMember_zac66dfKFjWj" style="border-right: Black 1pt solid"> Automatic transfers can only occur monthly. The minimum transfer amount out of the money market subaccount or the Fixed Account is the lesser of $250 or the balance in the Subaccount or Fixed Account. Under this program, the maximum amount that may be transferred from the Fixed Account each month is 1/36th of the Fixed Account value at the time DCA is established. While a DCA program is in effect, elective transfers out of the Fixed Account are prohibited. DCA program transfers cannot begin before the end of a Policy's Right to Examine Transfer Date. You can limit the number of transfers to be made, in which case the program will end when that number has been made. Otherwise, the program will terminate when the amount remaining in the money market subaccount or the Fixed Account is less than $100. DCA is not available when the Portfolio Rebalancing Program is elected. </td></tr> <tr style="vertical-align: top"> <td id="xdx_982_evip--NameOfBenefitTextBlock_c20260501__20260501__vip--BenefitAxis__custom--PortfolioRebalancingProgramMember_zsZQYc9JnAR1" style="border: Black 1pt solid"> Portfolio Rebalancing Program ("PBL")</td> <td id="xdx_984_evip--PurposeOfBenefitTextBlock_c20260501__20260501__vip--BenefitAxis__custom--PortfolioRebalancingProgramMember_zigACGbAp73c" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> This is a systematic transfer program that allows you to rebalance your Account Value among designated Subaccounts.</td> <td id="xdx_984_evip--StandardBenefitFlag_dxL_c20260501__20260501__vip--BenefitAxis__custom--PortfolioRebalancingProgramMember_zJIKSUT6SwZi" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid" title="::XDX::true"> Standard</td> <td id="xdx_982_evip--BriefRestrictionsLimitationsTextBlock_c20260501__20260501__vip--BenefitAxis__custom--PortfolioRebalancingProgramMember_zDswixlfnap7" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> The Fixed Account can be included or excluded from this program. You may have rebalancing occur quarterly, semi-annually or annually. PBL is not available when the DCA Program is elected. </td></tr> </table> <table cellpadding="0" cellspacing="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse"> <tr style="vertical-align: top; background-color: #D9D9D9"> <td style="border: Black 1pt solid; width: 22%; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">Name of Benefit</td> <td style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; width: 22%; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">Purpose</td> <td style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; width: 22%"> Is Benefit Standard or Optional</td> <td style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; width: 34%; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">Brief Description of Restrictions/Limitations*</td></tr> <tr style="vertical-align: top"> <td id="xdx_98A_evip--NameOfBenefitTextBlock_c20260501__20260501__vip--BenefitAxis__custom--EarningsSweepProgramMember_zgyyOgPr9On" style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid"> Earnings Sweep Program</td> <td id="xdx_980_evip--PurposeOfBenefitTextBlock_c20260501__20260501__vip--BenefitAxis__custom--EarningsSweepProgramMember_z6nHfj3phuJg" style="border-right: Black 1pt solid; border-bottom: Black 1pt solid"> This is a systematic transfer program that allows you to rebalance your Account Value by automatically allocating earnings from your Subaccounts among designated Investment Options.</td> <td id="xdx_980_evip--StandardBenefitFlag_dxL_c20260501__20260501__vip--BenefitAxis__custom--EarningsSweepProgramMember_z7qaooWhw2Zd" style="border-right: Black 1pt solid; border-bottom: Black 1pt solid" title="::XDX::true"> Standard</td> <td id="xdx_982_evip--BriefRestrictionsLimitationsTextBlock_c20260501__20260501__vip--BenefitAxis__custom--EarningsSweepProgramMember_zttasADeN1Yk" style="border-right: Black 1pt solid; border-bottom: Black 1pt solid"> You must request the Earnings Sweep program, give us your allocation instructions. You may have your earnings sweep quarterly semi-annually or annually.</td></tr> <tr style="vertical-align: top"> <td id="xdx_982_evip--NameOfBenefitTextBlock_c20260501__20260501__vip--BenefitAxis__custom--PolicyLoansMember_zdS9iP5oJe2a" style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid"> Policy Loans</td> <td id="xdx_98B_evip--PurposeOfBenefitTextBlock_c20260501__20260501__vip--BenefitAxis__custom--PolicyLoansMember_zERxeanCPg96" style="border-right: Black 1pt solid; border-bottom: Black 1pt solid"> You may obtain a Policy Loan secured by the Cash Surrender Value of your Policy.</td> <td id="xdx_987_evip--StandardBenefitFlag_dxL_c20260501__20260501__vip--BenefitAxis__custom--PolicyLoansMember_zEuzAjuO5tB5" style="border-right: Black 1pt solid; border-bottom: Black 1pt solid" title="::XDX::true"> Standard</td> <td id="xdx_98D_evip--BriefRestrictionsLimitationsTextBlock_c20260501__20260501__vip--BenefitAxis__custom--PolicyLoansMember_zSIgYQ7dQ683" style="border-right: Black 1pt solid; border-bottom: Black 1pt solid"> Any loan transaction will permanently affect your Account Value. We may require you to sign a loan agreement. The Policy must be assigned to us as security for the loan. Interest accrues daily and becomes a part of the Policy Loan Balance. Policy Loan interest is due on each Policy Anniversary. If the interest is not paid when due, we will transfer an amount equal to the unpaid Policy Loan interest only from the Policy Investment Options you designate; if that is not possible (due to insufficient value in an Investment Option you elect) or you have not provided such instructions, we will deduct Policy Loan interest on a Pro-Rata basis from balances in all Subaccounts and the Fixed Account. You may borrow no more than: (1) the Cash Surrender Value; minus (2) Policy Loan interest on the Policy Loan Balance including the requested Policy Loan to the next Policy Anniversary; minus the sum of the next three Monthly deductions. The death benefit will be reduced by the amount of any Policy Loan Balance on the date of the Insured's death. We may defer making a Policy Loan from the Fixed Account for up to six months unless the Policy Loan is to pay premiums to us. </td></tr> <tr style="vertical-align: top"> <td id="xdx_983_evip--NameOfBenefitTextBlock_c20260501__20260501__vip--BenefitAxis__custom--ChildrensInsuranceRiderMember_zzNn6QPCHFje" style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid"> Children's Insurance Rider</td> <td id="xdx_983_evip--PurposeOfBenefitTextBlock_c20260501__20260501__vip--BenefitAxis__custom--ChildrensInsuranceRiderMember_zJeCr8svuCn9" style="border-right: Black 1pt solid; border-bottom: Black 1pt solid"> This rider provides term life insurance protection, as defined in the Rider, for the Insured's children.</td> <td id="xdx_98C_evip--OptionalBenefitFlag_dxL_c20260501__20260501__vip--BenefitAxis__custom--ChildrensInsuranceRiderMember_zJ1NmDpwMbja" style="border-right: Black 1pt solid; border-bottom: Black 1pt solid" title="::XDX::true"> Optional</td> <td id="xdx_98B_evip--BriefRestrictionsLimitationsTextBlock_c20260501__20260501__vip--BenefitAxis__custom--ChildrensInsuranceRiderMember_zSQbQvOSjdXi" style="border-right: Black 1pt solid; border-bottom: Black 1pt solid"> Available for Basic Insured ages 18-55. Available after issue for covered children with evidence of insurability. The amount of available coverage is $25,000 of life insurance for the Insured's children. Insurance on each covered child continues until the child’s 25th birthday. The rider terminates on the anniversary nearest the insured’s 70th birthday, on the first Monthly Date following Written Notice to drop the rider, or when the base policy terminates. Eligible children include those at least 15 days old and no more than 25 years old. Available after issue for covered children with evidence of insurability. </td></tr> </table> <table cellpadding="0" cellspacing="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse"> <tr style="vertical-align: top; background-color: #D9D9D9"> <td style="border: Black 1pt solid; width: 22%; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">Name of Benefit</td> <td style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; width: 22%; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">Purpose</td> <td style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; width: 22%"> Is Benefit Standard or Optional</td> <td style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; width: 34%; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">Brief Description of Restrictions/Limitations*</td></tr> <tr style="vertical-align: top"> <td id="xdx_988_evip--NameOfBenefitTextBlock_c20260501__20260501__vip--BenefitAxis__custom--WaiverOfMonthlyDeductionRiderMember_zNHTGUeJxdcj" style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid"> Waiver of Monthly Deduction Rider</td> <td id="xdx_98E_evip--PurposeOfBenefitTextBlock_c20260501__20260501__vip--BenefitAxis__custom--WaiverOfMonthlyDeductionRiderMember_z8r92r51yTGi" style="border-right: Black 1pt solid; border-bottom: Black 1pt solid"> This rider provides that during periods of the Insured's total disability, as defined in the rider, certain Policy charges and charges for any Policy riders will be waived.</td> <td id="xdx_985_evip--OptionalBenefitFlag_dxL_c20260501__20260501__vip--BenefitAxis__custom--WaiverOfMonthlyDeductionRiderMember_zjK2Zcdx7nUh" style="border-right: Black 1pt solid; border-bottom: Black 1pt solid" title="::XDX::true"> Optional</td> <td id="xdx_98D_evip--BriefRestrictionsLimitationsTextBlock_c20260501__20260501__vip--BenefitAxis__custom--WaiverOfMonthlyDeductionRiderMember_zXuQ9tuVlot7" style="border-right: Black 1pt solid; border-bottom: Black 1pt solid"> Available for Issue Ages 0-55. Available after initial policy issue with satisfactory evidence of insurability. Must provide proof of total disability within one year after disability begins and while the Insured is in the state of being totally disabled. Disability also needs to have begun while policy was in force and has continued for six months. If the disability occurs before Attained Age 60, the benefit will be paid as long as the Insured remains disabled. The benefit period is limited if the disability occurs after Attained Age 60. The rider terminates when the Insured is Attained Age 65 (however, the termination will not affect certain eligible claims, as described in the Policy) when the owner requests to terminate the rider, or when the policy terminates. </td></tr> <tr style="vertical-align: top"> <td id="xdx_986_evip--NameOfBenefitTextBlock_c20260501__20260501__vip--BenefitAxis__custom--WaiverOfSpecifiedPremiumRiderMember_zTbV4BXWMrMe" style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid"> Waiver of Specified Premium Rider</td> <td id="xdx_986_evip--PurposeOfBenefitTextBlock_c20260501__20260501__vip--BenefitAxis__custom--WaiverOfSpecifiedPremiumRiderMember_zbku56Cz1hIf" style="border-right: Black 1pt solid; border-bottom: Black 1pt solid"> This rider provides payment of a specified premium to be credited to the Policy as premium paid during continued covered disability of the Insured after the total disability has continued for six consecutive months while the Policy and this rider are in force.</td> <td id="xdx_98D_evip--OptionalBenefitFlag_dxL_c20260501__20260501__vip--BenefitAxis__custom--WaiverOfSpecifiedPremiumRiderMember_zGODl2l74Ad8" style="border-right: Black 1pt solid; border-bottom: Black 1pt solid" title="::XDX::true"> Optional</td> <td id="xdx_984_evip--BriefRestrictionsLimitationsTextBlock_c20260501__20260501__vip--BenefitAxis__custom--WaiverOfSpecifiedPremiumRiderMember_zRv2S1PesHz" style="border-right: Black 1pt solid; border-bottom: Black 1pt solid"> Available for Issue Ages 0 – 55. Additional premium payments may be required to keep the Policy in force. If the disability occurs before age 60, we will credit specified premium during the entire disability while the Policy remains in force. If the disability occurs on or after age 60, but before age 65, premium will be credited to the Policy while the disability continues until the Policy Anniversary nearest the Insured's 65th birthday. No benefit will be paid if disability results from or is contributed to by the exclusions and limitations listed below. This rider does not have Cash Surrender Value or Policy Loan value. </td></tr> </table> <table cellpadding="0" cellspacing="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse"> <tr style="vertical-align: top"> <td style="width: 2%; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">*</td> <td style="width: 98%; font-size: 12pt; text-indent: 0in; line-height: 90%">We may discontinue offering, or modify the terms of, optional benefits for new sales at any time.</td></tr> </table> ADDITIONAL INFORMATION ON BENEFITS AVAILABLE UNDER THE POLICY The examples listed below are hypothetical assumptions and illustrations with the purpose of explaining the operation of the benefits. The investment results reflected are not representative of past or future performance. Actual performance results will vary. Accelerated Death Benefit For Terminal Illness Rider (Standard) Benefits paid under this rider may be taxable. Some of the benefits provided by this rider are intended to be non-taxable. However, changes to tax law can change the taxability of benefits. We recommend that you contact your tax advisor to assess the impact of these benefits. <table cellpadding="0" cellspacing="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; background-color: #D9D9D9; border-collapse: collapse"> <tr style="vertical-align: top"> <td style="width: 100%; line-height: 90%; text-align: center">YOUR DEATH BENEFIT AND ACCESS TO THE ACCOUNT VALUE WILL BE REDUCED BY THE LIEN BALANCE.</td></tr> </table> We will accelerate the payment of the death benefit for a qualifying event subject to the provisions of this rider. The accelerated payment is referred to as an accelerated death benefit. The qualifying event covered under this rider is terminal illness. Terminal illness means the Insured has been certified by a physician as having an illness or physical condition which can reasonably be expected to result in death within 12 months after the date of certification. Physician is defined as a doctor of medicine or osteopathy (other than you, your spouse, domestic partner, a member of your family, a business or professional partner, or any person with whom you share a financial or business interest) licensed to practice medicine and surgery in the state in which he or she practices and who is practicing within the scope of such license in the United States. The minimum and maximum terminal illness accelerated death benefit amounts that we will pay are shown on the policy schedule. The accelerated death benefit will be paid in a lump sum. The accelerated death benefit will be paid to you or your estate while the Insured is living, unless the death benefit has been otherwise assigned or designated by you. The accelerated death benefit must be requested before the Policy Anniversary on which the Insured attains the maximum acceleration age shown on the policy schedule. The accelerated death benefit plus any administrative fee plus accrued interest will be a lien against the death benefit proceeds. After an accelerated death benefit has been paid both your access to the Cash Surrender Value and Policy Lapse benefits will be restricted to the excess of the Cash Surrender Value over any Lien Balance. On the date of death, the death benefit proceeds will be reduced by the amount of any Lien Balance and any Loan Balance. After a request for an accelerated death benefit and upon the payment of an accelerated death benefit, you and any irrevocable Beneficiary will be provided with a benefit statement demonstrating the effect of the accelerated death benefit on the death benefit proceeds, Cash Surrender Value, premium, Policy Loans and Policy Liens. If the Insured dies before the accelerated death benefit payment is made, then the accelerated death benefit is terminated and the remaining death benefit will be paid pursuant to the policy. If the Insured dies after you request the accelerated death benefit but before the accelerated death benefit payment is received, then the request shall be canceled and the death benefit paid pursuant to the policy. The accelerated death benefit payment will be first used to repay a portion of any outstanding Loan Balance under the policy. The portion to be repaid will be determined by the product of the Loan Balance and the amount of the accelerated death benefit payment divided by the eligible amount under the policy as of the date the accelerated death benefit is paid. The remaining accelerated death benefit will be paid to you. Upon the death of the Insured, we will pay at least the residual death benefit shown on the policy schedule, reduced by the amount of any partial withdrawals taken after the first accelerated death benefit request and any Loan Balance. The eligible amount is the Specified Amount on the base policy at the time of the accelerated death benefit request. Accelerated death benefits are subject to the following conditions: <table cellpadding="0" cellspacing="0" style="font: 10pt/90% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="vertical-align: top"> <td style="width: 0"></td><td style="width: 0.25in">(1)</td><td>We must receive a written claim form that will be provided by us within 10 working days after you request it. If the claim form is not provided within 10 days, it is considered that the claimant complied with the claim requirements if the claimant submits written proof covering the occurrence, the character, and the extent of the occurrence for which the claim is made. Payment of the accelerated death benefit is due immediately upon receipt of the due written proof of eligibility;</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 10pt/90% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="vertical-align: top"> <td style="width: 0"></td><td style="width: 0.25in">(2)</td><td>The Insured must provide satisfactory proof that the Insured has suffered a qualifying event. Satisfactory proof for a qualifying event must be certified by a physician. Such satisfactory proof must specify that the Insured has been diagnosed as having a terminal illness;</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 10pt/90% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="vertical-align: top"> <td style="width: 0"></td><td style="width: 0.25in">(3)</td><td>We reserve the right to obtain a second medical opinion at our expense. In the event of conflicting medical opinions, a third opinion at our expense from an agreed upon licensed health care practitioner will control;</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 10pt/90% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="vertical-align: top"> <td style="width: 0"></td><td style="width: 0.25in">(4)</td><td>Any amount required to prevent the policy from terminating must be paid before any accelerated death benefit will be paid;</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 10pt/90% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="vertical-align: top"> <td style="width: 0"></td><td style="width: 0.25in">(5)</td><td>Any existing assignee or lienholder must release their assignment or existing lien;</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 10pt/90% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="vertical-align: top"> <td style="width: 0"></td><td style="width: 0.25in">(6)</td><td>Any irrevocable Beneficiary must consent in writing to your request for the accelerated death benefit;</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 10pt/90% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="vertical-align: top"> <td style="width: 0"></td><td style="width: 0.25in">(7)</td><td>You must assign the policy to us for an amount equal to the Lien Balance. No further changes to the policy will be permitted without our consent;</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 10pt/90% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="vertical-align: top"> <td style="width: 0"></td><td style="width: 0.25in">(8)</td><td>The accelerated death benefit payment on the Insured from this policy will not exceed the maximum accelerated death benefit amount shown on the policy schedule; and</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 10pt/90% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="vertical-align: top"> <td style="width: 0"></td><td style="width: 0.25in">(9)</td><td>This rider allows for the accelerated payment of death benefit proceeds, which would otherwise be payable to the Beneficiary of the policy. You are not eligible for this benefit if you will be required by:</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 10pt/90% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="vertical-align: top"> <td style="width: 0.25in"></td><td style="width: 0.25in">(a)</td><td>law to use this benefit to meet the claims of creditors, whether in bankruptcy or otherwise; or</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 10pt/90% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="vertical-align: top"> <td style="width: 0.25in"></td><td style="width: 0.25in">(b)</td><td>a government agency to use this benefit in order to apply for, obtain, or otherwise keep a government benefit or entitlement.</td></tr></table> After payment of the accelerated death benefit, you are required to pay the premium necessary to keep the base policy and any attached riders in force. Optional rider benefits under this policy will continue to remain in force subject to the terms and conditions of the policy and riders. Charges for optional riders will be calculated according to the terms of the rider form. Payment of the accelerated death benefits will have no effect upon any Accidental Death Benefit Riders or Children's Insurance Riders. We will charge interest on the Lien Balance. The interest charged will be accrued daily to the Lien Balance. You may repay any portion of the outstanding Lien Balance at any time before the Insured's death. The maximum lien interest rate will be the greater of: the current yield on ninety-day treasury bills; or <table cellpadding="0" cellspacing="0" style="font: 10pt/90% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="vertical-align: top"> <td style="width: 0"></td><td style="width: 0.25in">(1)</td><td>the current maximum statutory adjustable Policy Loan interest rate.</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 10pt/90% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="vertical-align: top"> <td style="width: 0"></td><td style="width: 0.25in">(2)</td><td>If the index used in the maximum statutory adjustable Policy Loan interest rate is discontinued, we will use an appropriate substitute index subject to the approval of the Interstate Insurance Product Regulation Commission.</td></tr></table> However, the maximum lien interest rate will never exceed the rate shown on the policy schedule. We have the option of charging less. The interest rate used on the portion of the Lien Balance that is equal to or less than the amount of the Cash Surrender Value will be no more than the Policy Loan interest rate. Lien interest will not be charged if it would cause the Lien Balance to be greater than the following: Specified Amount of the base policy; plus <table cellpadding="0" cellspacing="0" style="font: 10pt/90% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="vertical-align: top"> <td style="width: 0"></td><td style="width: 0.25in">(1)</td><td>Policy Loan balance, if any; minus</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 10pt/90% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="vertical-align: top"> <td style="width: 0"></td><td style="width: 0.25in">(2)</td><td>the greater of 0 or the residual death benefit minus Policy Loan balance.</td></tr></table> We reserve the right to assess an administrative fee of not more than the maximum administrative fee shown on the policy schedule to process an accelerated death benefit request under this rider. The fee will be added to the lien at the time the accelerated death benefit is paid. The effective date of this rider is shown on the policy schedule. If the policy lapses and is reinstated, this rider will automatically be reinstated with the policy. Any Lien Balance that was outstanding at the time the policy lapsed will be reinstated with accrued interest as if the policy had not lapsed. This rider will end at the earlier of Written Notice from you or termination of the Policy. If the accelerated death benefit is terminated, this shall not prejudice the payment of benefits for any qualifying event that occurred while the form was in force. Example: An Insured is diagnosed with a terminal illness with a certified life expectancy of 12 months or less. This rider gives the Insured the right to accelerate the lesser of 75% or $1,000,000 of the Specified Amount, plus the administrative fee, which will be held as an interest-accruing lien against the remaining death benefit. If the client has a $1 million death benefit, they would be able to accelerate up to $750,000. Advisory Fee Endorsement (Standard) You may have an independent agreement between you and a registered investment advisor. Advisory Fees are used to compensate an advisor for any management of your Policy subject to the terms you and your advisor have mutually agreed upon. The Advisory Fees deducted from your Policy are to pay for management and advice by your registered investment advisor pertaining to this Policy. Advisory Fees will not exceed 1.5% of the Account Value on an annualized basis and are not subject to a withdrawal charge. There is no minimum Advisory Fee amount. The maximum advisory fee amount is the lesser of: <table cellpadding="0" cellspacing="0" style="font: 10pt/90% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="vertical-align: top"> <td style="width: 0"></td><td style="width: 0.25in">§</td><td>1.5% of the Account Value on an annualized basis; or</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 10pt/90% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="vertical-align: top"> <td style="width: 0"></td><td style="width: 0.25in">§</td><td>The Cash Surrender Value minus the sum of the next three Monthly Deductions.</td></tr></table> Advisory fees result in (1) cancellation of the Accumulation Units from each applicable Subaccount; and (2) a reduction of the Account Value in the Fixed Account by the amount of the Advisory fee taken from the Fixed Account. In some cases, such as when the Policy's death benefit is driven by the Corridor Factor, withdrawing part of the Account Value may result in a death benefit reduction that is larger than the amount of the partial withdrawal. You may tell us how to deduct the Advisory Fee from the Investment Options, provided that the remaining Account Value in each Subaccount is not less than the minimum subaccount balance shown on the Policy schedule. If you do not, we will deduct it Pro-Rata. These Advisory Fees may be considered withdrawals from the Policy for tax purposes. The Specified Amount will not be reduced by the amount of these Advisory Fees. Advisory Fees may not be taken after the Insured reaches Attained Age 121 or if the Policy is in a paid-up status. Example: A Policy Owner has a relationship with a registered investment advisor who manages a portion of his/her assets. A portion of those assets are held as part of the VUL policy. The client has a compensation agreement with the advisor, and this endorsement allows the Policy Owner to use funds from the Policy to compensate their advisor. The client may select the percentage of compensation as well as the mode as long as the total compensation does not exceed 1.5% per year. After filling out the appropriate forms as required by us, we will use funds from the policy to compensate the advisor. When the funds are withdrawn from the policy, there will be no surrender charges or withdrawal charges assessed, and the withdrawals will not impact the Specified Amount of the policy. However, assume the Policy is utilizing death benefit Option A with a specified amount of $100,000 and has enough Account Value to result in a death benefit of greater than $100,000 after the application of the Corridor Factor. An Advisory Fee Withdrawal of $100 would result in a death benefit reduction of more than $100. Overloan Protection Benefit Endorsement (Standard for Owners that select the guideline premium test ("GPT")) The benefit provided by this endorsement will keep your Policy from lapsing when you have a large outstanding Loan Balance by providing paid-up life insurance. When the conditions specified below are met we will notify you that you may elect this benefit by Written Notice. If the Policy has entered a grace period, we will mail you a notice of eligibility and the following will apply: <table cellpadding="0" cellspacing="0" style="font: 10pt/90% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="vertical-align: top"> <td style="width: 0"></td><td style="width: 0.25in">(1)</td><td>We will mail the notice at least 31 days prior to the end of the grace period. Your Written Notice must be postmarked by the end of the grace period and while the Insured is alive.</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 10pt/90% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="vertical-align: top"> <td style="width: 0"></td><td style="width: 0.25in">(2)</td><td>If our notice is sent less than 31 days prior to the end of the grace period, your Written Notice must be postmarked within 30 days of the date of your receipt of the notice and while the Insured is alive.</td></tr></table> Once you have elected this benefit, your Policy will not lapse or mature. We will notify you when this benefit has been exercised with the changes to your Policy. You may elect this benefit only if the following requirements are met: <table cellpadding="0" cellspacing="0" style="font: 10pt/90% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="vertical-align: top"> <td style="width: 0"></td><td style="width: 19.45pt">(1)</td><td>the Insured is age 75 or older;</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 10pt/90% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="vertical-align: top"> <td style="width: 0"></td><td style="width: 19.45pt">(2)</td><td>the Policy is in its 11th Policy year or later;</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 10pt/90% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="vertical-align: top"> <td style="width: 0"></td><td style="width: 19.45pt">(3)</td><td>the outstanding Loan Balance is more than 92.5%, but less than 96% of the Account Value. If the outstanding Loan Balance is greater than 96% of your Account Value, you can repay Loan Balance to bring the balance within the range of 92.5% and 96% of your Account Value;</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 10pt/90% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="vertical-align: top"> <td style="width: 0"></td><td style="width: 19.45pt">(4)</td><td>the outstanding Loan Balance is more than the Specified Amount; and</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 10pt/90% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="vertical-align: top"> <td style="width: 0"></td><td style="width: 19.45pt">(5)</td><td>The Internal Revenue Code Life Insurance Qualification Test chosen at policy issue was the guideline premium test ("GPT").</td></tr></table> Electing this benefit will change your Policy as follows: <table cellpadding="0" cellspacing="0" style="font: 10pt/90% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="vertical-align: top"> <td style="width: 0"></td><td style="width: 0.25in">(1)</td><td>We will deduct 3.5% of the Account Value on the date you elect this benefit. There is no charge if this benefit is not elected.</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 10pt/90% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="vertical-align: top"> <td style="width: 0"></td><td style="width: 0.25in">(2)</td><td>After we take the 3.5% deduction, we will set the Specified Amount to 105% of the remaining Account Value. No further changes in the Specified Amount will be allowed.</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 10pt/90% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="vertical-align: top"> <td style="width: 0"></td><td style="width: 0.25in">(3)</td><td>We will set the death benefit option to Option A as described in this Death Benefit section. No further changes in the death benefit option will be allowed.</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 10pt/90% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="vertical-align: top"> <td style="width: 0"></td><td style="width: 0.25in">(4)</td><td>The death benefit at any time after you elect the benefit will equal the greatest of:</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 10pt/90% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="vertical-align: top"> <td style="width: 0.25in"></td><td style="width: 0.25in">a.</td><td>the Specified Amount;</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 10pt/90% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="vertical-align: top"> <td style="width: 0.25in"></td><td style="width: 0.25in">b.</td><td>the Account Value times the Corridor Factor as shown in your Policy Schedule; or</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 10pt/90% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="vertical-align: top"> <td style="width: 0.25in"></td><td style="width: 0.25in">c.</td><td>the outstanding Loan Balance times the Corridor Factor as shown in your Policy Schedule.</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 10pt/90% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="vertical-align: top"> <td style="width: 0"></td><td style="width: 0.25in">(5)</td><td>The death benefit proceeds will equal the death benefit on the Insured’s date of death minus any outstanding Loan Balance.</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 10pt/90% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="vertical-align: top"> <td style="width: 0"></td><td style="width: 0.25in">(6)</td><td>Any rider attached to the Policy will terminate, and any charges or fees associated with the riders will cease.</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 10pt/90% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="vertical-align: top"> <td style="width: 0"></td><td style="width: 0.25in">(7)</td><td>We will not accept any additional premiums.</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 10pt/90% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="vertical-align: top"> <td style="width: 0"></td><td style="width: 0.25in">(8)</td><td>You may not take additional partial withdrawals and Policy Loans, except for automatic loans to cover loan interest not paid when due.</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 10pt/90% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="vertical-align: top"> <td style="width: 0"></td><td style="width: 0.25in">(9)</td><td>We will stop taking Monthly Deductions.</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 10pt/90% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="vertical-align: top"> <td style="width: 0"></td><td style="width: 0.25in">(10)</td><td> All amounts not allocated to the Loan Account must be allocated to the Fixed Account.</td></tr></table> This benefit will terminate at the earliest of: <table cellpadding="0" cellspacing="0" style="font: 10pt/90% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="vertical-align: top"> <td style="width: 0"></td><td style="width: 0.25in">(1)</td><td>when the Policy terminates; or</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 10pt/90% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="vertical-align: top"> <td style="width: 0"></td><td style="width: 0.25in">(2)</td><td>when we receive Written Notice from you requesting termination of this rider.</td></tr></table> This endorsement may be reinstated upon reinstatement of the Policy. Electing the benefit provided by this endorsement may have adverse tax consequences. The Internal Revenue Service has not ruled on the use of this endorsement. We strongly urge you to consult legal counsel and your personal tax adviser before electing this benefit. Example: An Insured with Attained Age 80 is in their 20th Policy year. The Loan Balance is between 92.5% and 96% of the Account Value, and the Loan Balance is greater than the Specified Amount. The Internal Revenue Code Life Insurance Qualification Test chosen at policy issue was the Guideline Premium Test. The Insured chooses to elect the Overloan Protection Benefit Endorsement. A charge of 3.5% of the Account Value is taken from the Policy, the Specified Amount is set to 105% of the remaining Account Value. The death benefit option is changed to death benefit Option A, no further premiums are accepted, all riders are terminated, Monthly Deductions cease, all amounts not allocated to the Loan Account must be allocated to the Fixed Account, and no further changes to the Policy are allowed. Upon death, the Beneficiary receives the death benefit minus any outstanding Policy Loan. Dollar Cost Averaging Program (Standard) Dollar Cost Averaging allows you to automatically transfer, on a periodic basis, a set dollar amount or percentage from the money market subaccount or the Fixed Account to any other Subaccount(s) or the Fixed Account. Requested percentages are converted to a dollar amount. You can begin Dollar Cost Averaging when you purchase the Policy or later. You can increase or decrease the amount or percentage of transfers or discontinue the program at any time. We must receive notice of your election and any changed instruction – either Written Notice or by telephone transaction instruction. Dollar Cost Averaging is intended to limit loss by resulting in the purchase of more Accumulation Units when an underlying portfolio company's value is low, and fewer units when its value is high. However, there is no guarantee that such a program will result in a higher Account Value, protect against a loss, or otherwise achieve your investment goals. You can limit the number of transfers to be made, in which case the program will end when that number has been made. Otherwise, the program will terminate when the amount remaining in the money market subaccount or the Fixed Account is less than $100. For more information regarding Dollar Cost Averaging rules, see the SYSTEMATIC TRANSFER PROGRAMS – Dollar Cost Averaging Program under the GENERAL DESCRIPTION OF THE POLICY section. Portfolio Rebalancing Program (Standard) The Portfolio Rebalancing program allows you to rebalance your Account Value among designated Subaccounts only as you instruct. You must request the rebalancing program, give us your rebalancing instructions, or request to end this program either by Written Notice or by telephone transaction instruction. You may change your rebalancing allocation instructions at any time. Any change will be effective when the next rebalancing occurs. For more information regarding Portfolio Rebalancing Program rules, see the SYSTEMATIC TRANSFER PROGRAMS – Portfolio Rebalancing Program under the GENERAL DESCRIPTION OF THE POLICY section. Earnings Sweep Program (Standard) The Earnings Sweep program allows you to rebalance your Account Value by automatically allocating earnings from your Subaccounts among designated Investment Options (Subaccounts or the Fixed Account) either based on your original Policy allocation of premiums or pursuant to new allocation instructions. You must request the Earnings Sweep program, give us your allocation instructions, or request to end this program either by Written Notice or by telephone transaction instruction. You may change your Earnings Sweep program instructions at any time. Any change will be effective when the next sweep occurs. For more information regarding the Earnings Sweep Program rules, see the SYSTEMATIC TRANSFER PROGRAMS – Earnings Sweep Program under the GENERAL DESCRIPTION OF THE POLICY section. Policy Loans (Standard) You may obtain a Policy Loan secured by the Cash Surrender Value of your Policy. Any Policy Loan transaction will permanently affect your Account Value. For additional information regarding Policy Loans, refer to the POLICY LOANS section. Children's Insurance Rider (Optional) This rider insures each child of the Insured if the child is: <table cellpadding="0" cellspacing="0" style="font: 10pt/90% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="vertical-align: top"> <td style="width: 0"></td><td style="width: 0.25in">§</td><td>named in the application for this rider; or</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 10pt/90% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="vertical-align: top"> <td style="width: 0"></td><td style="width: 0.25in">§</td><td>born after the date of the application; or</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 10pt/90% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="vertical-align: top"> <td style="width: 0"></td><td style="width: 0.25in">§</td><td>adopted by the Insured after the date of the application and before the child’s 18th birthday.</td></tr></table> This rider does not insure any child less than 15 days old nor after the child’s 25th birthday. We will pay the benefit amount under this rider as soon as we receive satisfactory proof that an insured child died while this rider is in force. Unless otherwise provided, the benefit will be paid to: <table cellpadding="0" cellspacing="0" style="font: 10pt/90% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="vertical-align: top"> <td style="width: 0"></td><td style="width: 0.25in">§</td><td>the policyholder, if living; otherwise</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 10pt/90% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="vertical-align: top"> <td style="width: 0"></td><td style="width: 0.25in">§</td><td>the Beneficiary</td></tr></table> If the Insured dies (except by suicide within two years of the effective date of this rider), existing insurance on each insured child will be continued at no cost until the child’s 25th birthday. If the Insured commits suicide during the first two years of the Policy, there is a 31-day period for conversion for each Insured child. The rider may be converted on each insured child, without evidence of insurability subject to our rules as to the minimum amount, plan of insurance and age at issue, which are in effect on the date of conversion, if: <table cellpadding="0" cellspacing="0" style="font: 10pt/90% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="vertical-align: top"> <td style="width: 0"></td><td style="width: 0.25in">(1)</td><td>we receive a written application no later than 31 days after the insured child’s 25th birthday;</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 10pt/90% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="vertical-align: top"> <td style="width: 0"></td><td style="width: 0.25in">(2)</td><td>the new policy is any one of the permanent policies issued by us at the time of conversion; and</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 10pt/90% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="vertical-align: top"> <td style="width: 0"></td><td style="width: 0.25in">(3)</td><td>this rider is in force.</td></tr></table> Before the insured child’s 25th birthday, the amount of the new policy may not exceed the benefit amount of the rider on the date of conversion. On or after the insured child’s 25th birthday, the amount of the new policy may not exceed five times the amount of insurance of this rider on the date of conversion. The Policy Date of the new policy will be the date of conversion. Insurance under this rider on that insured child will terminate on the date of conversion. The incontestability and suicide provisions of the new policy shall be measured from the effective date of this rider up to the benefit amount of this rider on the date of conversion. For any additional face amount, the incontestability and suicide provisions will run from the effective date of the new policy. This rider will terminate at the earliest of: <table cellpadding="0" cellspacing="0" style="font: 10pt/90% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="vertical-align: top"> <td style="width: 0"></td><td style="width: 0.25in">(1)</td><td>when the Policy terminates for any reason other than the death of the insured;</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 10pt/90% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="vertical-align: top"> <td style="width: 0"></td><td style="width: 0.25in">(2)</td><td>when we receive Written Notice from you requesting termination of this rider;</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 10pt/90% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="vertical-align: top"> <td style="width: 0"></td><td style="width: 0.25in">(3)</td><td>upon death of the insured by suicide within two years from the Issue Date of this rider;</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 10pt/90% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="vertical-align: top"> <td style="width: 0"></td><td style="width: 0.25in">(4)</td><td>on the expiry date shown on the Policy schedule; or</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 10pt/90% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="vertical-align: top"> <td style="width: 0"></td><td style="width: 0.25in">(5)</td><td>upon death of the last surviving additional insured.</td></tr></table> This rider may be reinstated upon reinstatement of the Policy, if you provide us with evidence of insurability on each insured child. If this rider is reinstated, the contestable period will start over again beginning on the reinstatement date, but only for statements made in the application for reinstatement. We will not contest this rider, in the absence of fraud, with respect to each insured child after the benefit amount on that child has been in force during that child’s life for two years. Our total liability will be to return the monthly rider charges paid while the insurance on that child’s life was in force. If this rider is reinstated, the contestable period will start over again beginning on the reinstatement date, but only for statements made in the application for reinstatement. If any insured child under this rider commits suicide (while sane or insane) within two years after the date that child’s insurance starts, our total liability will be to return the monthly rider charges paid for this rider while the insurance on that child was in force. We will deduct the monthly cost of this rider until it terminates. If the Insured dies (except by suicide within two years of the effective date of this rider), existing insurance on each insured child will be continued at no cost until the child’s 25th birthday. This rider does not have Cash Surrender Value or loan value. Example: A Policy Owner has this rider attached to their Policy covering their 10-year-old child for an amount of $25,000. That child then dies. A $25,000 death benefit would be paid for the death of the child upon satisfactory proof. This rider does not insure any child after the child's 25th birthday. Waiver of Monthly Deduction Rider (Optional) We will waive the Monthly Deduction for the Policy during continued covered disability of the Insured while the Policy and this rider are in force. If this benefit is in effect, all benefits included under the Policy shall continue in force subject to the Policy Loan provisions. Any Policy adjustments made will increase or decrease the Monthly Deduction accordingly. The Insured is considered to be totally disabled if: <table cellpadding="0" cellspacing="0" style="font: 10pt/90% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="vertical-align: top"> <td style="width: 0"></td><td style="width: 0.25in">(1)</td><td>During the first 24 months of total disability, the Insured is unable to perform any of the substantial and material duties of his or her occupation for wage or profit, due to sickness or accidental bodily injury. Being a homemaker or student is considered engaging in work for wage or profit; and,</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 10pt/90% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="vertical-align: top"> <td style="width: 0"></td><td style="width: 0.25in">(2)</td><td>After the first 24 months of total disability, the Insured is unable to perform any of the substantial and material duties of his or her occupation for wage or profit, or any other occupation for which he or she becomes reasonably suited by education, training or experience, due to sickness or accidental bodily injury. Being a homemaker or student is considered engaging in work for wage or profit.</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 10pt/90% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="vertical-align: top"> <td style="width: 0"></td><td style="width: 0.25in">(3)</td><td>Upon the total and permanent loss, by Insured of:</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 10pt/90% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="vertical-align: top"> <td style="width: 0.25in"></td><td style="width: 0.25in">(a)</td><td>the sight of both eyes;</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 10pt/90% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="vertical-align: top"> <td style="width: 0.25in"></td><td style="width: 0.25in">(b)</td><td>hearing of both ears;</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 10pt/90% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="vertical-align: top"> <td style="width: 0.25in"></td><td style="width: 0.25in">(c)</td><td>speech;</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 10pt/90% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="vertical-align: top"> <td style="width: 0.25in"></td><td style="width: 0.25in">(d)</td><td>the use of both hands;</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 10pt/90% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="vertical-align: top"> <td style="width: 0.25in"></td><td style="width: 0.25in">(e)</td><td>the use of both feet; or</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 10pt/90% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="vertical-align: top"> <td style="width: 0.25in"></td><td style="width: 0.25in">(f)</td><td>the use of one hand and one foot.</td></tr></table> We will waive the Monthly Deduction for the Policy upon receipt of satisfactory proof that: <table cellpadding="0" cellspacing="0" style="font: 10pt/90% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="vertical-align: top"> <td style="width: 0"></td><td style="width: 0.25in">(1)</td><td>the Insured is totally disabled; and</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 10pt/90% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="vertical-align: top"> <td style="width: 0"></td><td style="width: 0.25in">(2)</td><td>total disability began while this rider was in force; and</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 10pt/90% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="vertical-align: top"> <td style="width: 0"></td><td style="width: 0.25in">(3)</td><td>total disability has continued for six consecutive months.</td></tr></table> If the Insured’s total disability begins before the Policy Anniversary nearest the Insured’s 60th birthday, we will waive the Monthly Deduction for the policy for the period that the Insured continues to be totally disabled. We will continue to waive the Monthly Deduction for the policy, while the policy remains in force. If the Insured’s total disability begins after the Policy Anniversary nearest the Insured’s 60th birthday, we will waive the Monthly Deduction for the policy for the period that the Insured continues to be totally disabled, but only up to the Policy Anniversary nearest the Insured’s 65th birthday. The premium must continue to be paid until the claim for waiver of Monthly Deduction is approved by us. A premium paid and later waived will be refunded. If total disability begins during a grace period, payment of the overdue premium is required to avoid a lapse of insurance before we approve the claim for waiver of Monthly Deduction. Monthly Deductions credited by us will not be deducted from the death benefit proceeds. Written Notice and satisfactory proof of the Insured’s total disability must be given to us while this rider is in force: <table cellpadding="0" cellspacing="0" style="font: 10pt/90% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="vertical-align: top"> <td style="width: 0"></td><td style="width: 0.25in">(1)</td><td>during the life of the Insured;</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 10pt/90% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="vertical-align: top"> <td style="width: 0"></td><td style="width: 0.25in">(2)</td><td>during the period of total disability;</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 10pt/90% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="vertical-align: top"> <td style="width: 0"></td><td style="width: 0.25in">(3)</td><td>within one year after the beginning of the total disability; and</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 10pt/90% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="vertical-align: top"> <td style="width: 0"></td><td style="width: 0.25in">(4)</td><td>before the Policy Anniversary nearest the Insured’s 65th birthday.</td></tr></table> Failure to give Written Notice and satisfactory proof within one year will not cause the denial of a claim if it is shown that the Written Notice and satisfactory proof were given as soon as was reasonably possible. However, no amount due more than one year prior to our receipt of satisfactory proof of claim will be waived. Satisfactory proof of continuance of total disability must be given to us as often as we reasonably require but not more frequently than once every 30 days. After the first two years of continuous disability, satisfactory proof will not be required more than once a year. Examination of the Insured at our expense by physicians approved by us may be required as part of any satisfactory proof. If satisfactory proof is not given to us when required, no further Monthly Deductions will be waived. No benefit will be paid if disability results from or is contributed to by: <table cellpadding="0" cellspacing="0" style="font: 10pt/90% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="vertical-align: top"> <td style="width: 0"></td><td style="width: 0.25in">(1)</td><td>attempted suicide, or intentionally self-inflicted injury, while sane or insane;</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 10pt/90% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="vertical-align: top"> <td style="width: 0"></td><td style="width: 0.25in">(2)</td><td>an act of declared or undeclared war, whether or not the Insured is a member of any armed forces;</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 10pt/90% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="vertical-align: top"> <td style="width: 0"></td><td style="width: 0.25in">(3)</td><td>any active participation in a riot, insurrection or terrorist activity;</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 10pt/90% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="vertical-align: top"> <td style="width: 0"></td><td style="width: 0.25in">(4)</td><td>an attempt to commit, or commission of, an assault or felony;</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 10pt/90% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="vertical-align: top"> <td style="width: 0"></td><td style="width: 0.25in">(5)</td><td>voluntary intake or use by means of:</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 10pt/90% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="vertical-align: top"> <td style="width: 0.25in"></td><td style="width: 0.25in">(a)</td><td>any drug, unless prescribed or administered by a physician and taken in accordance with the physician’s instructions; or</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 10pt/90% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="vertical-align: top"> <td style="width: 0.25in"></td><td style="width: 0.25in">(b)</td><td>poison, gas or fumes, unless a direct result of an occupational accident;</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 10pt/90% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="vertical-align: top"> <td style="width: 0"></td><td style="width: 0.25in">(6)</td><td>intoxication as defined by the jurisdiction where the total disability occurred; or</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 10pt/90% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="vertical-align: top"> <td style="width: 0"></td><td style="width: 0.25in">(7)</td><td>participation in an illegal occupation or activity.</td></tr></table> This rider will terminate at the earliest of: <table cellpadding="0" cellspacing="0" style="font: 10pt/90% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="vertical-align: top"> <td style="width: 0"></td><td style="width: 0.25in">(1)</td><td>when the policy terminates;</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 10pt/90% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="vertical-align: top"> <td style="width: 0"></td><td style="width: 0.25in">(2)</td><td>on the expiry date shown on the Policy schedule. However, the termination will not affect an eligible claim for total disability that occurred before age 65; or</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 10pt/90% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="vertical-align: top"> <td style="width: 0"></td><td style="width: 0.25in">(3)</td><td>when we receive Written Notice from you requesting termination of this rider.</td></tr></table> This rider does not have Cash Surrender Value or loan value. Example: The Insured of a Policy with this rider suffers a covered disability at age 45. After six months of disability, all Monthly Deductions from the Policy will be waived. The Insured then recovers at age 48, and Monthly Deductions under the Policy are resumed. Waiver of Specified Premium Rider (Optional) The Waiver of Specified Premium Rider provides payment of a specified premium to be credited to the Policy as premiums paid during continued covered disability of the Insured under the Policy while the Policy and this rider are in force. On any Monthly Date during continued covered disability, the benefit that is paid may be more or less than the cost of insurance and other charges. The Cash Surrender Value may increase or decrease. Additional premium payments may be required to keep the Policy in force. The Insured is considered to be totally disabled if: <table cellpadding="0" cellspacing="0" style="font: 10pt/90% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="vertical-align: top"> <td style="width: 0"></td><td style="width: 0.25in">(1)</td><td>During the first 24 months of total disability, the Insured is unable to perform any of the substantial and material duties of his or her occupation for wage or profit, due to sickness or accidental bodily injury. Being a homemaker or student is considered engaging in work for wage or profit; and,</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 10pt/90% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="vertical-align: top"> <td style="width: 0"></td><td style="width: 0.25in">(2)</td><td>After the first 24 months of total disability, the Insured is unable to perform any of the substantial and material duties of his or her occupation for wage or profit, or any other occupation for which he or she becomes reasonably suited by education, training or experience, due to sickness or accidental bodily injury. Being a homemaker or student is considered engaging in work for wage or profit.</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 10pt/90% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="vertical-align: top"> <td style="width: 0"></td><td style="width: 0.25in">(3)</td><td>Upon the total and permanent loss, by Insured of:</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 10pt/90% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="vertical-align: top"> <td style="width: 0.25in"></td><td style="width: 0.25in">(a)</td><td>the sight of both eyes;</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 10pt/90% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="vertical-align: top"> <td style="width: 0.25in"></td><td style="width: 0.25in">(b)</td><td>hearing of both ears;</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 10pt/90% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="vertical-align: top"> <td style="width: 0.25in"></td><td style="width: 0.25in">(c)</td><td>speech;</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 10pt/90% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="vertical-align: top"> <td style="width: 0.25in"></td><td style="width: 0.25in">(d)</td><td>the use of both hands;</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 10pt/90% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="vertical-align: top"> <td style="width: 0.25in"></td><td style="width: 0.25in">(e)</td><td>the use of both feet; or</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 10pt/90% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="vertical-align: top"> <td style="width: 0.25in"></td><td style="width: 0.25in">(f)</td><td>the use of one hand and one foot.</td></tr></table> We will credit, as premium to the policy, the specified premium benefit amount. This will be credited upon receipt of satisfactory proof that: <table cellpadding="0" cellspacing="0" style="font: 10pt/90% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="vertical-align: top"> <td style="width: 0"></td><td style="width: 0.25in">(1)</td><td>the Insured is totally disabled; and</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 10pt/90% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="vertical-align: top"> <td style="width: 0"></td><td style="width: 0.25in">(2)</td><td>total disability began while this rider was in force; and</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 10pt/90% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="vertical-align: top"> <td style="width: 0"></td><td style="width: 0.25in">(3)</td><td>total disability has continued for six consecutive months.</td></tr></table> If the Insured’s total disability begins before the Policy Anniversary nearest the Insured’s 60th birthday, we will credit specified premiums due under the policy for the period that the Insured continues to be totally disabled. We will continue to credit specified premiums due under the Policy, while the Policy remains in force. If the Insured’s total disability begins after the Policy Anniversary nearest the Insured’s 60th birthday, we will credit specified premiums due under the Policy for the period that the Insured continues to be totally disabled, but only up to the Policy Anniversary nearest the Insured’s 65th birthday. The premium must continue to be paid until the claim for specified premium is approved by us. A premium paid and later waived will be refunded. If total disability begins during a grace period, payment of the overdue premium is required to avoid a lapse of insurance before we approve the claim for the specified premium benefit. Specified premiums credited by us will not be deducted from the death benefit proceeds. If the Waiver of Specified Premium benefit is in effect, all benefits included under the Policy, excluding optional benefits that are issued as attachments to the Policy, shall continue as long as the Policy does not terminate. Written Notice and satisfactory proof of the Insured’s total disability must be given to us while this rider is in force: <table cellpadding="0" cellspacing="0" style="font: 10pt/90% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="vertical-align: top"> <td style="width: 0"></td><td style="width: 0.25in">(1)</td><td>during the life of the Insured;</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 10pt/90% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="vertical-align: top"> <td style="width: 0"></td><td style="width: 0.25in">(2)</td><td>during the period of total disability;</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 10pt/90% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="vertical-align: top"> <td style="width: 0"></td><td style="width: 0.25in">(3)</td><td>within one year after the beginning of the total disability; and</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 10pt/90% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="vertical-align: top"> <td style="width: 0"></td><td style="width: 0.25in">(4)</td><td>before the Policy Anniversary nearest the Insured’s 65th birthday.</td></tr></table> Failure to give Written Notice and satisfactory proof within one year will not cause the denial of a claim if it is shown that the Written Notice and satisfactory proof were given as soon as was reasonably possible. However, no specified premium due more than one year prior to our receipt of satisfactory proof of claim will be credited. Satisfactory proof of continuance of total disability must be given to us as often as we reasonably require. After the first two years of continuous disability, satisfactory proof will not be required more than once a year. Examination of the Insured at our expense by physicians approved by us may be required as part of any satisfactory proof. If satisfactory proof is not given to us when required, no further specified premiums will be credited. No benefit will be paid if disability results from or is contributed to by: <table cellpadding="0" cellspacing="0" style="font: 10pt/90% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="vertical-align: top"> <td style="width: 0"></td><td style="width: 0.25in">(1)</td><td>attempted suicide, or intentionally self-inflicted injury, while sane or insane;</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 10pt/90% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="vertical-align: top"> <td style="width: 0"></td><td style="width: 0.25in">(2)</td><td>an act of declared or undeclared war, whether or not the Insured is a member of any armed forces;</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 10pt/90% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="vertical-align: top"> <td style="width: 0"></td><td style="width: 0.25in">(3)</td><td>any active participation in a riot, insurrection or terrorist activity;</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 10pt/90% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="vertical-align: top"> <td style="width: 0"></td><td style="width: 0.25in">(4)</td><td>an attempt to commit, or commission of, an assault or felony;</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 10pt/90% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="vertical-align: top"> <td style="width: 0"></td><td style="width: 0.25in">(5)</td><td>voluntary intake or use by means of:</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 10pt/90% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="vertical-align: top"> <td style="width: 0.25in"></td><td style="width: 0.25in">(a)</td><td>any drug, unless prescribed or administered by a physician and taken in accordance with the physician’s instructions; or</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 10pt/90% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="vertical-align: top"> <td style="width: 0.25in"></td><td style="width: 0.25in">(b)</td><td>poison, gas or fumes, unless a direct result of an occupational accident;</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 10pt/90% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="vertical-align: top"> <td style="width: 0"></td><td style="width: 0.25in">(6)</td><td>intoxication as defined by the jurisdiction where the total disability occurred; or</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 10pt/90% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="vertical-align: top"> <td style="width: 0"></td><td style="width: 0.25in">(7)</td><td>participation in an illegal occupation or activity.</td></tr></table> This rider will terminate at the earliest of: <table cellpadding="0" cellspacing="0" style="font: 10pt/90% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="vertical-align: top"> <td style="width: 0"></td><td style="width: 0.25in">(1)</td><td>when the policy terminates;</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 10pt/90% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="vertical-align: top"> <td style="width: 0"></td><td style="width: 0.25in">(2)</td><td>on the expiry date shown on the policy schedule. However, the termination will not affect an eligible claim for total disability that occurred before age 65; or</td></tr></table> <table cellpadding="0" cellspacing="0" style="font: 10pt/90% Arial, Helvetica, Sans-Serif; width: 100%; margin-top: 0; margin-bottom: 0"><tr style="vertical-align: top"> <td style="width: 0"></td><td style="width: 0.25in">(3)</td><td>when we receive Written Notice from you requesting termination of this rider.</td></tr></table> This rider does not have Cash Surrender Value or loan value. Example: The Insured of a Policy with this rider suffers a covered disability at age 45. After six months of disability, a specified premium will be credited to the Policy as reflected on the Policy schedule. These payments will continue until the Policy is terminated or the Insured recovers. <table cellpadding="0" cellspacing="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse"> <tr style="vertical-align: top; background-color: #D9D9D9"> <td style="border: Black 1pt solid; width: 22%; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">Name of Benefit</td> <td style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; width: 22%; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">Purpose</td> <td style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; width: 22%"> Is Benefit Standard or Optional</td> <td style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; width: 34%; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">Brief Description of Restrictions/Limitations*</td></tr> <tr style="vertical-align: top; background-color: white"> <td id="xdx_987_evip--NameOfBenefitTextBlock_c20260501__20260501__vip--BenefitAxis__custom--TerminalIllnessRiderMember_zHoNeqY0i7Td" style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid"> Accelerated Death Benefit for Terminal Illness Rider</td> <td id="xdx_980_evip--PurposeOfBenefitTextBlock_c20260501__20260501__vip--BenefitAxis__custom--TerminalIllnessRiderMember_zHl0tlrm9Ki7" style="border-right: Black 1pt solid; border-bottom: Black 1pt solid"> This rider provides the ability to accelerate a portion of the death benefit to be a living benefit, allowing you to withdraw value from the Policy, as defined in the rider, in the event of diagnosis of terminal illness.</td> <td id="xdx_98C_evip--StandardBenefitFlag_dxL_c20260501__20260501__vip--BenefitAxis__custom--TerminalIllnessRiderMember_zV5qK1sFWk9e" style="border-right: Black 1pt solid; border-bottom: Black 1pt solid" title="::XDX::true"> Standard</td> <td id="xdx_983_evip--BriefRestrictionsLimitationsTextBlock_c20260501__20260501__vip--BenefitAxis__custom--TerminalIllnessRiderMember_z50t9VrLYd2a" style="border-right: Black 1pt solid; border-bottom: Black 1pt solid"> Available for Issue Ages 0-80. We charge an administrative fee when this rider is exercised. The administrative fee is added to the Lien Balance. The amount available is no more than 75% of the total Specified Amount, up to $1,000,000, payable under the Policy. Your death benefit and access to the Account Value will be reduced by the Lien Balance. We will charge interest on the Lien Balance. After we pay the accelerated benefit, your access to the Cash Surrender Value and Policy lapse benefits will be restricted to the excess of the Cash Surrender Value over any Lien Balance. You are required to pay the premium necessary to keep the base Policy and any attached riders in force. The accelerated death benefit must be requested before the Policy Anniversary on which the Insured attains the maximum acceleration age shown on the Policy schedule. </td></tr> <tr style="vertical-align: top"> <td id="xdx_985_evip--NameOfBenefitTextBlock_c20260501__20260501__vip--BenefitAxis__custom--AdvisoryFeeEndorsementMember_zoWCJhCpWDJ1" style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid"> Advisory Fee Endorsement</td> <td id="xdx_984_evip--PurposeOfBenefitTextBlock_c20260501__20260501__vip--BenefitAxis__custom--AdvisoryFeeEndorsementMember_zGFKdAZsuFDl" style="border-right: Black 1pt solid; border-bottom: Black 1pt solid"> This endorsement provides the ability to pay Advisory Fees to a registered investment advisor who has an agreement with the Policy owner. Advisory Fees shall not exceed 1.5% of the Account Value on an annualized basis.</td> <td id="xdx_98B_evip--StandardBenefitFlag_dxL_c20260501__20260501__vip--BenefitAxis__custom--AdvisoryFeeEndorsementMember_z08L31Ebqxsa" style="border-right: Black 1pt solid; border-bottom: Black 1pt solid" title="::XDX::true"> Standard</td> <td id="xdx_981_evip--BriefRestrictionsLimitationsTextBlock_c20260501__20260501__vip--BenefitAxis__custom--AdvisoryFeeEndorsementMember_zyIAE3iom9ah" style="border-right: Black 1pt solid; border-bottom: Black 1pt solid"> Not available in North Dakota. There is no minimum Advisory Fee amount. The maximum advisory fee amount is the lesser of (1) 1.5% of the Account Value on an annualized basis; or (2) the Cash Surrender Value minus the sum of the next three Monthly Deductions. In some cases, such as when the Policy's death benefit is driven by the Corridor Factor, withdrawing part of the Account Value may result in a death benefit reduction that is larger than the amount of the partial withdrawal. </td></tr> </table> <table cellpadding="0" cellspacing="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse"> <tr style="vertical-align: top; background-color: #D9D9D9"> <td style="border: Black 1pt solid; width: 22%; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center"> Name of Benefit</td> <td style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; width: 22%; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">Purpose</td> <td style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; width: 22%"> Is Benefit Standard or Optional</td> <td style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; width: 34%; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">Brief Description of Restrictions/Limitations*</td></tr> <tr style="vertical-align: top"> <td id="xdx_98C_evip--NameOfBenefitTextBlock_c20260501__20260501__vip--BenefitAxis__custom--OverloanProtectionBenefitEndorsementMember_zRO36JJJNEza" style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid"> Overloan Protection Benefit Endorsement</td> <td id="xdx_981_evip--PurposeOfBenefitTextBlock_c20260501__20260501__vip--BenefitAxis__custom--OverloanProtectionBenefitEndorsementMember_zm6Gud4vQ28d" style="border-right: Black 1pt solid; border-bottom: Black 1pt solid"> This endorsement protects your Policy from lapsing under certain conditions when your outstanding Policy Loan is large relative to your Account Value and Specified Amount.</td> <td id="xdx_984_evip--StandardBenefitFlag_dxL_c20260501__20260501__vip--BenefitAxis__custom--OverloanProtectionBenefitEndorsementMember_z1ILVfEPkEXj" style="border-right: Black 1pt solid; border-bottom: Black 1pt solid" title="::XDX::true"> Standard for Owners that select the guideline premium test ("GPT")</td> <td id="xdx_98C_evip--BriefRestrictionsLimitationsTextBlock_c20260501__20260501__vip--BenefitAxis__custom--OverloanProtectionBenefitEndorsementMember_zSkwz5ViEpwk" style="border-right: Black 1pt solid; border-bottom: Black 1pt solid"> Endorsement may be exercised if the Insured is Insured age 75 or older. The Policy must be in its 11th Policy year or later. The outstanding Policy Loan must be more than 92.5%, but less than 96% of the Account Value. If the outstanding Policy Loan is greater than 96% of your Account Value, you can repay Policy Debt to bring the balance within the range of 92.5% and 96% of your Account Value. The outstanding Policy Loan must be more than the Specified Amount. For Owners that select the guideline premium test ("GPT"), the endorsement is "inherent" (i.e. added to all Policies). The endorsement is unavailable for Owners that select the cash value accumulation test ("CVAT"). The endorsement has no annual cost until the Owner elects the option. If this rider is elected, any rider attached to the Policy will terminate. Further no additional premiums will be accepted. </td></tr> <tr style="vertical-align: top"> <td id="xdx_98B_evip--NameOfBenefitTextBlock_c20260501__20260501__vip--BenefitAxis__custom--DollarCostAveragingMember_zCsQlP5SdGab" style="border-right: Black 1pt solid; border-left: Black 1pt solid"> Dollar Cost Averaging ("DCA")</td> <td id="xdx_989_evip--PurposeOfBenefitTextBlock_c20260501__20260501__vip--BenefitAxis__custom--DollarCostAveragingMember_zCtxpS7tBTBb" style="border-right: Black 1pt solid"> This is a systematic transfer program that allows you to automatically transfer, on a periodic basis, a set dollar amount or percentage from the money market subaccount or the Fixed Account to any other Subaccount(s) or the Fixed Account.</td> <td id="xdx_98A_evip--StandardBenefitFlag_dxL_c20260501__20260501__vip--BenefitAxis__custom--DollarCostAveragingMember_zZKNOX3pYO07" style="border-right: Black 1pt solid" title="::XDX::true"> Standard</td> <td id="xdx_980_evip--BriefRestrictionsLimitationsTextBlock_c20260501__20260501__vip--BenefitAxis__custom--DollarCostAveragingMember_zac66dfKFjWj" style="border-right: Black 1pt solid"> Automatic transfers can only occur monthly. The minimum transfer amount out of the money market subaccount or the Fixed Account is the lesser of $250 or the balance in the Subaccount or Fixed Account. Under this program, the maximum amount that may be transferred from the Fixed Account each month is 1/36th of the Fixed Account value at the time DCA is established. While a DCA program is in effect, elective transfers out of the Fixed Account are prohibited. DCA program transfers cannot begin before the end of a Policy's Right to Examine Transfer Date. You can limit the number of transfers to be made, in which case the program will end when that number has been made. Otherwise, the program will terminate when the amount remaining in the money market subaccount or the Fixed Account is less than $100. DCA is not available when the Portfolio Rebalancing Program is elected. </td></tr> <tr style="vertical-align: top"> <td id="xdx_982_evip--NameOfBenefitTextBlock_c20260501__20260501__vip--BenefitAxis__custom--PortfolioRebalancingProgramMember_zsZQYc9JnAR1" style="border: Black 1pt solid"> Portfolio Rebalancing Program ("PBL")</td> <td id="xdx_984_evip--PurposeOfBenefitTextBlock_c20260501__20260501__vip--BenefitAxis__custom--PortfolioRebalancingProgramMember_zigACGbAp73c" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> This is a systematic transfer program that allows you to rebalance your Account Value among designated Subaccounts.</td> <td id="xdx_984_evip--StandardBenefitFlag_dxL_c20260501__20260501__vip--BenefitAxis__custom--PortfolioRebalancingProgramMember_zJIKSUT6SwZi" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid" title="::XDX::true"> Standard</td> <td id="xdx_982_evip--BriefRestrictionsLimitationsTextBlock_c20260501__20260501__vip--BenefitAxis__custom--PortfolioRebalancingProgramMember_zDswixlfnap7" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid"> The Fixed Account can be included or excluded from this program. You may have rebalancing occur quarterly, semi-annually or annually. PBL is not available when the DCA Program is elected. </td></tr> </table> <table cellpadding="0" cellspacing="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse"> <tr style="vertical-align: top; background-color: #D9D9D9"> <td style="border: Black 1pt solid; width: 22%; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">Name of Benefit</td> <td style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; width: 22%; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">Purpose</td> <td style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; width: 22%"> Is Benefit Standard or Optional</td> <td style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; width: 34%; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">Brief Description of Restrictions/Limitations*</td></tr> <tr style="vertical-align: top"> <td id="xdx_98A_evip--NameOfBenefitTextBlock_c20260501__20260501__vip--BenefitAxis__custom--EarningsSweepProgramMember_zgyyOgPr9On" style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid"> Earnings Sweep Program</td> <td id="xdx_980_evip--PurposeOfBenefitTextBlock_c20260501__20260501__vip--BenefitAxis__custom--EarningsSweepProgramMember_z6nHfj3phuJg" style="border-right: Black 1pt solid; border-bottom: Black 1pt solid"> This is a systematic transfer program that allows you to rebalance your Account Value by automatically allocating earnings from your Subaccounts among designated Investment Options.</td> <td id="xdx_980_evip--StandardBenefitFlag_dxL_c20260501__20260501__vip--BenefitAxis__custom--EarningsSweepProgramMember_z7qaooWhw2Zd" style="border-right: Black 1pt solid; border-bottom: Black 1pt solid" title="::XDX::true"> Standard</td> <td id="xdx_982_evip--BriefRestrictionsLimitationsTextBlock_c20260501__20260501__vip--BenefitAxis__custom--EarningsSweepProgramMember_zttasADeN1Yk" style="border-right: Black 1pt solid; border-bottom: Black 1pt solid"> You must request the Earnings Sweep program, give us your allocation instructions. You may have your earnings sweep quarterly semi-annually or annually.</td></tr> <tr style="vertical-align: top"> <td id="xdx_982_evip--NameOfBenefitTextBlock_c20260501__20260501__vip--BenefitAxis__custom--PolicyLoansMember_zdS9iP5oJe2a" style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid"> Policy Loans</td> <td id="xdx_98B_evip--PurposeOfBenefitTextBlock_c20260501__20260501__vip--BenefitAxis__custom--PolicyLoansMember_zERxeanCPg96" style="border-right: Black 1pt solid; border-bottom: Black 1pt solid"> You may obtain a Policy Loan secured by the Cash Surrender Value of your Policy.</td> <td id="xdx_987_evip--StandardBenefitFlag_dxL_c20260501__20260501__vip--BenefitAxis__custom--PolicyLoansMember_zEuzAjuO5tB5" style="border-right: Black 1pt solid; border-bottom: Black 1pt solid" title="::XDX::true"> Standard</td> <td id="xdx_98D_evip--BriefRestrictionsLimitationsTextBlock_c20260501__20260501__vip--BenefitAxis__custom--PolicyLoansMember_zSIgYQ7dQ683" style="border-right: Black 1pt solid; border-bottom: Black 1pt solid"> Any loan transaction will permanently affect your Account Value. We may require you to sign a loan agreement. The Policy must be assigned to us as security for the loan. Interest accrues daily and becomes a part of the Policy Loan Balance. Policy Loan interest is due on each Policy Anniversary. If the interest is not paid when due, we will transfer an amount equal to the unpaid Policy Loan interest only from the Policy Investment Options you designate; if that is not possible (due to insufficient value in an Investment Option you elect) or you have not provided such instructions, we will deduct Policy Loan interest on a Pro-Rata basis from balances in all Subaccounts and the Fixed Account. You may borrow no more than: (1) the Cash Surrender Value; minus (2) Policy Loan interest on the Policy Loan Balance including the requested Policy Loan to the next Policy Anniversary; minus the sum of the next three Monthly deductions. The death benefit will be reduced by the amount of any Policy Loan Balance on the date of the Insured's death. We may defer making a Policy Loan from the Fixed Account for up to six months unless the Policy Loan is to pay premiums to us. </td></tr> <tr style="vertical-align: top"> <td id="xdx_983_evip--NameOfBenefitTextBlock_c20260501__20260501__vip--BenefitAxis__custom--ChildrensInsuranceRiderMember_zzNn6QPCHFje" style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid"> Children's Insurance Rider</td> <td id="xdx_983_evip--PurposeOfBenefitTextBlock_c20260501__20260501__vip--BenefitAxis__custom--ChildrensInsuranceRiderMember_zJeCr8svuCn9" style="border-right: Black 1pt solid; border-bottom: Black 1pt solid"> This rider provides term life insurance protection, as defined in the Rider, for the Insured's children.</td> <td id="xdx_98C_evip--OptionalBenefitFlag_dxL_c20260501__20260501__vip--BenefitAxis__custom--ChildrensInsuranceRiderMember_zJ1NmDpwMbja" style="border-right: Black 1pt solid; border-bottom: Black 1pt solid" title="::XDX::true"> Optional</td> <td id="xdx_98B_evip--BriefRestrictionsLimitationsTextBlock_c20260501__20260501__vip--BenefitAxis__custom--ChildrensInsuranceRiderMember_zSQbQvOSjdXi" style="border-right: Black 1pt solid; border-bottom: Black 1pt solid"> Available for Basic Insured ages 18-55. Available after issue for covered children with evidence of insurability. The amount of available coverage is $25,000 of life insurance for the Insured's children. Insurance on each covered child continues until the child’s 25th birthday. The rider terminates on the anniversary nearest the insured’s 70th birthday, on the first Monthly Date following Written Notice to drop the rider, or when the base policy terminates. Eligible children include those at least 15 days old and no more than 25 years old. Available after issue for covered children with evidence of insurability. </td></tr> </table> <table cellpadding="0" cellspacing="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse"> <tr style="vertical-align: top; background-color: #D9D9D9"> <td style="border: Black 1pt solid; width: 22%; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">Name of Benefit</td> <td style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; width: 22%; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">Purpose</td> <td style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; width: 22%"> Is Benefit Standard or Optional</td> <td style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; width: 34%; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">Brief Description of Restrictions/Limitations*</td></tr> <tr style="vertical-align: top"> <td id="xdx_988_evip--NameOfBenefitTextBlock_c20260501__20260501__vip--BenefitAxis__custom--WaiverOfMonthlyDeductionRiderMember_zNHTGUeJxdcj" style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid"> Waiver of Monthly Deduction Rider</td> <td id="xdx_98E_evip--PurposeOfBenefitTextBlock_c20260501__20260501__vip--BenefitAxis__custom--WaiverOfMonthlyDeductionRiderMember_z8r92r51yTGi" style="border-right: Black 1pt solid; border-bottom: Black 1pt solid"> This rider provides that during periods of the Insured's total disability, as defined in the rider, certain Policy charges and charges for any Policy riders will be waived.</td> <td id="xdx_985_evip--OptionalBenefitFlag_dxL_c20260501__20260501__vip--BenefitAxis__custom--WaiverOfMonthlyDeductionRiderMember_zjK2Zcdx7nUh" style="border-right: Black 1pt solid; border-bottom: Black 1pt solid" title="::XDX::true"> Optional</td> <td id="xdx_98D_evip--BriefRestrictionsLimitationsTextBlock_c20260501__20260501__vip--BenefitAxis__custom--WaiverOfMonthlyDeductionRiderMember_zXuQ9tuVlot7" style="border-right: Black 1pt solid; border-bottom: Black 1pt solid"> Available for Issue Ages 0-55. Available after initial policy issue with satisfactory evidence of insurability. Must provide proof of total disability within one year after disability begins and while the Insured is in the state of being totally disabled. Disability also needs to have begun while policy was in force and has continued for six months. If the disability occurs before Attained Age 60, the benefit will be paid as long as the Insured remains disabled. The benefit period is limited if the disability occurs after Attained Age 60. The rider terminates when the Insured is Attained Age 65 (however, the termination will not affect certain eligible claims, as described in the Policy) when the owner requests to terminate the rider, or when the policy terminates. </td></tr> <tr style="vertical-align: top"> <td id="xdx_986_evip--NameOfBenefitTextBlock_c20260501__20260501__vip--BenefitAxis__custom--WaiverOfSpecifiedPremiumRiderMember_zTbV4BXWMrMe" style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid"> Waiver of Specified Premium Rider</td> <td id="xdx_986_evip--PurposeOfBenefitTextBlock_c20260501__20260501__vip--BenefitAxis__custom--WaiverOfSpecifiedPremiumRiderMember_zbku56Cz1hIf" style="border-right: Black 1pt solid; border-bottom: Black 1pt solid"> This rider provides payment of a specified premium to be credited to the Policy as premium paid during continued covered disability of the Insured after the total disability has continued for six consecutive months while the Policy and this rider are in force.</td> <td id="xdx_98D_evip--OptionalBenefitFlag_dxL_c20260501__20260501__vip--BenefitAxis__custom--WaiverOfSpecifiedPremiumRiderMember_zGODl2l74Ad8" style="border-right: Black 1pt solid; border-bottom: Black 1pt solid" title="::XDX::true"> Optional</td> <td id="xdx_984_evip--BriefRestrictionsLimitationsTextBlock_c20260501__20260501__vip--BenefitAxis__custom--WaiverOfSpecifiedPremiumRiderMember_zRv2S1PesHz" style="border-right: Black 1pt solid; border-bottom: Black 1pt solid"> Available for Issue Ages 0 – 55. Additional premium payments may be required to keep the Policy in force. If the disability occurs before age 60, we will credit specified premium during the entire disability while the Policy remains in force. If the disability occurs on or after age 60, but before age 65, premium will be credited to the Policy while the disability continues until the Policy Anniversary nearest the Insured's 65th birthday. No benefit will be paid if disability results from or is contributed to by the exclusions and limitations listed below. This rider does not have Cash Surrender Value or Policy Loan value. </td></tr> </table> <table cellpadding="0" cellspacing="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse"> <tr style="vertical-align: top"> <td style="width: 2%; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">*</td> <td style="width: 98%; font-size: 12pt; text-indent: 0in; line-height: 90%">We may discontinue offering, or modify the terms of, optional benefits for new sales at any time.</td></tr> </table> Accelerated Death Benefit for Terminal Illness Rider This rider provides the ability to accelerate a portion of the death benefit to be a living benefit, allowing you to withdraw value from the Policy, as defined in the rider, in the event of diagnosis of terminal illness. Available for Issue Ages 0-80. We charge an administrative fee when this rider is exercised. The administrative fee is added to the Lien Balance. The amount available is no more than 75% of the total Specified Amount, up to $1,000,000, payable under the Policy. Your death benefit and access to the Account Value will be reduced by the Lien Balance. We will charge interest on the Lien Balance. After we pay the accelerated benefit, your access to the Cash Surrender Value and Policy lapse benefits will be restricted to the excess of the Cash Surrender Value over any Lien Balance. You are required to pay the premium necessary to keep the base Policy and any attached riders in force. The accelerated death benefit must be requested before the Policy Anniversary on which the Insured attains the maximum acceleration age shown on the Policy schedule. Advisory Fee Endorsement This endorsement provides the ability to pay Advisory Fees to a registered investment advisor who has an agreement with the Policy owner. Advisory Fees shall not exceed 1.5% of the Account Value on an annualized basis. Not available in North Dakota. There is no minimum Advisory Fee amount. The maximum advisory fee amount is the lesser of (1) 1.5% of the Account Value on an annualized basis; or (2) the Cash Surrender Value minus the sum of the next three Monthly Deductions. In some cases, such as when the Policy's death benefit is driven by the Corridor Factor, withdrawing part of the Account Value may result in a death benefit reduction that is larger than the amount of the partial withdrawal. Overloan Protection Benefit Endorsement This endorsement protects your Policy from lapsing under certain conditions when your outstanding Policy Loan is large relative to your Account Value and Specified Amount. Endorsement may be exercised if the Insured is Insured age 75 or older. The Policy must be in its 11th Policy year or later. The outstanding Policy Loan must be more than 92.5%, but less than 96% of the Account Value. If the outstanding Policy Loan is greater than 96% of your Account Value, you can repay Policy Debt to bring the balance within the range of 92.5% and 96% of your Account Value. The outstanding Policy Loan must be more than the Specified Amount. For Owners that select the guideline premium test ("GPT"), the endorsement is "inherent" (i.e. added to all Policies). The endorsement is unavailable for Owners that select the cash value accumulation test ("CVAT"). The endorsement has no annual cost until the Owner elects the option. If this rider is elected, any rider attached to the Policy will terminate. Further no additional premiums will be accepted. Dollar Cost Averaging ("DCA") This is a systematic transfer program that allows you to automatically transfer, on a periodic basis, a set dollar amount or percentage from the money market subaccount or the Fixed Account to any other Subaccount(s) or the Fixed Account. Automatic transfers can only occur monthly. The minimum transfer amount out of the money market subaccount or the Fixed Account is the lesser of $250 or the balance in the Subaccount or Fixed Account. Under this program, the maximum amount that may be transferred from the Fixed Account each month is 1/36th of the Fixed Account value at the time DCA is established. While a DCA program is in effect, elective transfers out of the Fixed Account are prohibited. DCA program transfers cannot begin before the end of a Policy's Right to Examine Transfer Date. You can limit the number of transfers to be made, in which case the program will end when that number has been made. Otherwise, the program will terminate when the amount remaining in the money market subaccount or the Fixed Account is less than $100. DCA is not available when the Portfolio Rebalancing Program is elected. Portfolio Rebalancing Program ("PBL") This is a systematic transfer program that allows you to rebalance your Account Value among designated Subaccounts. The Fixed Account can be included or excluded from this program. You may have rebalancing occur quarterly, semi-annually or annually. PBL is not available when the DCA Program is elected. Earnings Sweep Program This is a systematic transfer program that allows you to rebalance your Account Value by automatically allocating earnings from your Subaccounts among designated Investment Options. You must request the Earnings Sweep program, give us your allocation instructions. You may have your earnings sweep quarterly semi-annually or annually. Policy Loans You may obtain a Policy Loan secured by the Cash Surrender Value of your Policy. Any loan transaction will permanently affect your Account Value. We may require you to sign a loan agreement. The Policy must be assigned to us as security for the loan. Interest accrues daily and becomes a part of the Policy Loan Balance. Policy Loan interest is due on each Policy Anniversary. If the interest is not paid when due, we will transfer an amount equal to the unpaid Policy Loan interest only from the Policy Investment Options you designate; if that is not possible (due to insufficient value in an Investment Option you elect) or you have not provided such instructions, we will deduct Policy Loan interest on a Pro-Rata basis from balances in all Subaccounts and the Fixed Account. You may borrow no more than: (1) the Cash Surrender Value; minus (2) Policy Loan interest on the Policy Loan Balance including the requested Policy Loan to the next Policy Anniversary; minus the sum of the next three Monthly deductions. The death benefit will be reduced by the amount of any Policy Loan Balance on the date of the Insured's death. We may defer making a Policy Loan from the Fixed Account for up to six months unless the Policy Loan is to pay premiums to us. Children's Insurance Rider This rider provides term life insurance protection, as defined in the Rider, for the Insured's children. Available for Basic Insured ages 18-55. Available after issue for covered children with evidence of insurability. The amount of available coverage is $25,000 of life insurance for the Insured's children. Insurance on each covered child continues until the child’s 25th birthday. The rider terminates on the anniversary nearest the insured’s 70th birthday, on the first Monthly Date following Written Notice to drop the rider, or when the base policy terminates. Eligible children include those at least 15 days old and no more than 25 years old. Available after issue for covered children with evidence of insurability. Waiver of Monthly Deduction Rider This rider provides that during periods of the Insured's total disability, as defined in the rider, certain Policy charges and charges for any Policy riders will be waived. Available for Issue Ages 0-55. Available after initial policy issue with satisfactory evidence of insurability. Must provide proof of total disability within one year after disability begins and while the Insured is in the state of being totally disabled. Disability also needs to have begun while policy was in force and has continued for six months. If the disability occurs before Attained Age 60, the benefit will be paid as long as the Insured remains disabled. The benefit period is limited if the disability occurs after Attained Age 60. The rider terminates when the Insured is Attained Age 65 (however, the termination will not affect certain eligible claims, as described in the Policy) when the owner requests to terminate the rider, or when the policy terminates. Waiver of Specified Premium Rider This rider provides payment of a specified premium to be credited to the Policy as premium paid during continued covered disability of the Insured after the total disability has continued for six consecutive months while the Policy and this rider are in force. Available for Issue Ages 0 – 55. Additional premium payments may be required to keep the Policy in force. If the disability occurs before age 60, we will credit specified premium during the entire disability while the Policy remains in force. If the disability occurs on or after age 60, but before age 65, premium will be credited to the Policy while the disability continues until the Policy Anniversary nearest the Insured's 65th birthday. No benefit will be paid if disability results from or is contributed to by the exclusions and limitations listed below. This rider does not have Cash Surrender Value or Policy Loan value. <table cellpadding="0" cellspacing="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse"> <tr style="vertical-align: top"> <td style="border-bottom: Black 1.5pt solid; width: 100%; padding-right: 1.45pt; padding-left: 1.45pt; font-weight: normal; line-height: 90%; font-size: 14pt"> APPENDIX A: PORTFOLIO COMPANIES AVAILABLE UNDER THE POLICY</td></tr> </table> The following is a list of Portfolio Companies available under the Policy. More information about the Portfolio Companies is available in the prospectuses for the Portfolio Companies, which may be amended from time to time and can be found online at ameritas.com/investments/fund-prospectuses. You can also request this information at no cost by calling 800-255-9678 or by sending an email request to alictd@ameritas.com. The current expenses and performance information below reflects fees and expenses of the Portfolio Companies, but do not reflect the other fees and expenses that your Policy may charge. Expenses would be higher and performance would be lower if these other charges were included. Each Portfolio Company's past performance is not necessarily an indication of future performance. <table cellpadding="0" cellspacing="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse"> <tr style="vertical-align: bottom; background-color: #D9D9D9"> <td rowspan="2" style="border: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">Type / Investment Objective</td> <td rowspan="2" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">Portfolio Company and Adviser / Subadviser(s)</td> <td rowspan="2" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">Current Expenses</td> <td colspan="3" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">Average Annual Total Returns as of 12/31/2025</td></tr> <tr style="background-color: #D9D9D9"> <td style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">1 year</td> <td style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">5 year</td> <td style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">10 year</td></tr> <tr style="vertical-align: top"> <td id="xdx_984_evip--PortfolioCompanyObjectiveTextBlock_c20260501__20260501__vip--PortfolioCompanyAxis__custom--AmericanFundsISAmericanHighIncomeTrustClass1Member_z6v7UhBJLdn1" style="border-right: Black 1pt solid; border-left: Black 1pt solid; width: 32%; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">The fund’s primary investment objective is to provide you with a high level of current income. Its secondary investment objective is capital appreciation. </td> <td style="border-right: Black 1pt solid; width: 39%; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">American Funds® IS American High-Income Trust, Class 1 Capital Research and Management Company (SM)</td> <td id="xdx_985_evip--CurrentExpensesPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--AmericanFundsISAmericanHighIncomeTrustClass1Member_fKg_____zkcr4xCxdsOb" style="border-right: Black 1pt solid; width: 9%; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">0.37%*</td> <td id="xdx_982_evip--AverageAnnualTotalReturns1YearPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--AmericanFundsISAmericanHighIncomeTrustClass1Member_zrCNhf2qfE56" style="border-right: Black 1pt solid; width: 7%; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">8.52%</td> <td id="xdx_982_evip--AverageAnnualTotalReturns5YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--AmericanFundsISAmericanHighIncomeTrustClass1Member_zBqWLVh3sid2" style="border-right: Black 1pt solid; width: 7%; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">5.87%</td> <td id="xdx_988_evip--AverageAnnualTotalReturns10YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--AmericanFundsISAmericanHighIncomeTrustClass1Member_zwIuFhH8U1I7" style="border-right: Black 1pt solid; width: 6%; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">7.22%</td></tr> <tr style="vertical-align: top"> <td id="xdx_980_evip--PortfolioCompanyObjectiveTextBlock_c20260501__20260501__vip--PortfolioCompanyAxis__custom--AmericanFundsISGrowthFundClass1Member_zl7G8pJvQpU6" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Seeks to provide growth of capital.</td> <td style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">American Funds® IS Growth Fund, Class 1 Capital Research and Management Company (SM)</td> <td id="xdx_983_evip--CurrentExpensesPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--AmericanFundsISGrowthFundClass1Member_zxNVjFv0EtMd" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">0.33%</td> <td id="xdx_987_evip--AverageAnnualTotalReturns1YearPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--AmericanFundsISGrowthFundClass1Member_z8Cr1vqMs9ml" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">20.54%</td> <td id="xdx_98F_evip--AverageAnnualTotalReturns5YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--AmericanFundsISGrowthFundClass1Member_zbXeeAPcjiDb" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">13.66%</td> <td id="xdx_985_evip--AverageAnnualTotalReturns10YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--AmericanFundsISGrowthFundClass1Member_zE5hbqm1wrW9" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">18.26%</td></tr> <tr style="vertical-align: top"> <td id="xdx_989_evip--PortfolioCompanyObjectiveTextBlock_c20260501__20260501__vip--PortfolioCompanyAxis__custom--AmericanFundsISGrowthIncomeFundClass1Member_zlMP6IXY4Gf3" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Seeks to achieve long-term growth of capital and income.</td> <td style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">American Funds® IS Growth-Income Fund, Class 1 Capital Research and Management Company (SM)</td> <td id="xdx_987_evip--CurrentExpensesPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--AmericanFundsISGrowthIncomeFundClass1Member_zxW1x1s45y84" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">0.28%</td> <td id="xdx_98A_evip--AverageAnnualTotalReturns1YearPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--AmericanFundsISGrowthIncomeFundClass1Member_zjPZjejKtY7l" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">18.37%</td> <td id="xdx_98E_evip--AverageAnnualTotalReturns5YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--AmericanFundsISGrowthIncomeFundClass1Member_zFsW186TF4Rd" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">14.19%</td> <td id="xdx_980_evip--AverageAnnualTotalReturns10YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--AmericanFundsISGrowthIncomeFundClass1Member_zFlxkUDkitM4" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">14.20%</td></tr> <tr style="vertical-align: top"> <td id="xdx_985_evip--PortfolioCompanyObjectiveTextBlock_c20260501__20260501__vip--PortfolioCompanyAxis__custom--AmericanFundsISNewWorldFundClass1Member_zjWS7FrjK5Sg" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Seeks to provide long-term capital appreciation.</td> <td style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">American Funds® IS New World Fund, Class 1 Capital Research and Management Company (SM)</td> <td id="xdx_98B_evip--CurrentExpensesPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--AmericanFundsISNewWorldFundClass1Member_fKg_____zq8qQJ9713Ml" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">0.57%*</td> <td id="xdx_987_evip--AverageAnnualTotalReturns1YearPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--AmericanFundsISNewWorldFundClass1Member_z3XM5z8Y4fz9" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">28.60%</td> <td id="xdx_989_evip--AverageAnnualTotalReturns5YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--AmericanFundsISNewWorldFundClass1Member_zJyfJmIPP6X8" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">5.59%</td> <td id="xdx_98B_evip--AverageAnnualTotalReturns10YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--AmericanFundsISNewWorldFundClass1Member_zxJ0U5sISwBi" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">9.53%</td></tr> <tr style="vertical-align: top"> <td id="xdx_982_evip--PortfolioCompanyObjectiveTextBlock_c20260501__20260501__vip--PortfolioCompanyAxis__custom--AmericanFundsISTheBondFundOfAmericaClass1Member_zOGVcrhLGLub" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">The fund’s investment objective is to provide as high a level of current income as is consistent with the preservation of capital.</td> <td style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">American Funds® IS The Bond Fund of America, Class 1 Capital Research and Management Company (SM)</td> <td id="xdx_985_evip--CurrentExpensesPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--AmericanFundsISTheBondFundOfAmericaClass1Member_fKg_____zDlgrAvFjiae" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">0.22%*</td> <td id="xdx_98D_evip--AverageAnnualTotalReturns1YearPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--AmericanFundsISTheBondFundOfAmericaClass1Member_zfbjIUKbgXCi" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">7.40%</td> <td id="xdx_988_evip--AverageAnnualTotalReturns5YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--AmericanFundsISTheBondFundOfAmericaClass1Member_zaydqvac6S56" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">0.10%</td> <td id="xdx_98E_evip--AverageAnnualTotalReturns10YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--AmericanFundsISTheBondFundOfAmericaClass1Member_zwEotJhl5sN4" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">2.61%</td></tr> <tr style="vertical-align: top"> <td id="xdx_98C_evip--PortfolioCompanyObjectiveTextBlock_c20260501__20260501__vip--PortfolioCompanyAxis__custom--AmericanFundsISWashingtonMutualInvestorsFundClass1Member_zZuHPzu9Ho94" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Seeks to produce income and to provide an opportunity for growth of principal consistent with sound common stock investing.</td> <td style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">American Funds® IS Washington Mutual Investors Fund, Class 1 Capital Research and Management Company (SM)</td> <td id="xdx_984_evip--CurrentExpensesPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--AmericanFundsISWashingtonMutualInvestorsFundClass1Member_fKg_____zWd06JuVKU45" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">0.25%*</td> <td id="xdx_98D_evip--AverageAnnualTotalReturns1YearPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--AmericanFundsISWashingtonMutualInvestorsFundClass1Member_z4BJucXg69B7" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">17.50%</td> <td id="xdx_98F_evip--AverageAnnualTotalReturns5YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--AmericanFundsISWashingtonMutualInvestorsFundClass1Member_zamdmlV1uoNa" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">14.17%</td> <td id="xdx_982_evip--AverageAnnualTotalReturns10YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--AmericanFundsISWashingtonMutualInvestorsFundClass1Member_zk70YybDdEz7" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">12.65%</td></tr> <tr style="vertical-align: top"> <td id="xdx_982_evip--PortfolioCompanyObjectiveTextBlock_c20260501__20260501__vip--PortfolioCompanyAxis__custom--CalvertVPSriBalancedPortfolioClassIMember_z9Vez4XeS8kj" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Total return.</td> <td style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Calvert VP SRI Balanced Portfolio, Class I Calvert Research and Management</td> <td id="xdx_98E_evip--CurrentExpensesPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--CalvertVPSriBalancedPortfolioClassIMember_zZZKPneTqxkl" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">0.65%</td> <td id="xdx_988_evip--AverageAnnualTotalReturns1YearPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--CalvertVPSriBalancedPortfolioClassIMember_zXVPXgVhcOA3" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">11.48%</td> <td id="xdx_98B_evip--AverageAnnualTotalReturns5YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--CalvertVPSriBalancedPortfolioClassIMember_zvTjMu6HXC2a" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">8.68%</td> <td id="xdx_98E_evip--AverageAnnualTotalReturns10YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--CalvertVPSriBalancedPortfolioClassIMember_zMD0lQGiGDp4" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">9.81%</td></tr> <tr style="vertical-align: top"> <td id="xdx_981_evip--PortfolioCompanyObjectiveTextBlock_c20260501__20260501__vip--PortfolioCompanyAxis__custom--ColumbiaVPSmallCapValueDiscoveryFundClass1Member_zFqfTxVhUzAh" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Long-term capital appreciation.</td> <td style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Columbia Variable Portfolio - Small Cap Value Discovery Fund, Class 1 (named Columbia Variable Portfolio - Small Cap Value Fund, Class 1 prior to 5/1/26) Columbia Management Investment Advisers, LLC</td> <td id="xdx_989_evip--CurrentExpensesPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--ColumbiaVPSmallCapValueDiscoveryFundClass1Member_fKg_____ziLZVH3DJKN8" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">0.88%*</td> <td id="xdx_984_evip--AverageAnnualTotalReturns1YearPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--ColumbiaVPSmallCapValueDiscoveryFundClass1Member_zlu9QpE0eBXg" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">14.99%</td> <td id="xdx_98F_evip--AverageAnnualTotalReturns5YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--ColumbiaVPSmallCapValueDiscoveryFundClass1Member_zIV018sw648e" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">12.48%</td> <td id="xdx_987_evip--AverageAnnualTotalReturns10YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--ColumbiaVPSmallCapValueDiscoveryFundClass1Member_zBgW0Z3xir9b" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">11.48%</td></tr> <tr style="vertical-align: top"> <td id="xdx_983_evip--PortfolioCompanyObjectiveTextBlock_c20260501__20260501__vip--PortfolioCompanyAxis__custom--CVTNasdaq100IndexPortfolioClassIMember_zr1xTIurN2Kf" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Investing to correspond with the returns of the NASDAQ 100 Index.</td> <td style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">CVT Nasdaq 100 Index Portfolio, Class I Calvert Research and Management / Ameritas Investment Partners, Inc. 1</td> <td id="xdx_980_evip--CurrentExpensesPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--CVTNasdaq100IndexPortfolioClassIMember_fKg_____znmOu3joPUuk" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">0.49%*</td> <td id="xdx_980_evip--AverageAnnualTotalReturns1YearPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--CVTNasdaq100IndexPortfolioClassIMember_zyxKcqP7SNef" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">20.39%</td> <td id="xdx_987_evip--AverageAnnualTotalReturns5YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--CVTNasdaq100IndexPortfolioClassIMember_zsOBnJmCJUS" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">14.73%</td> <td id="xdx_988_evip--AverageAnnualTotalReturns10YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--CVTNasdaq100IndexPortfolioClassIMember_zQ1C8JZDlmF6" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">19.09%</td></tr> <tr style="vertical-align: top"> <td id="xdx_98D_evip--PortfolioCompanyObjectiveTextBlock_c20260501__20260501__vip--PortfolioCompanyAxis__custom--CVTRussell2000SmallCapIndexPortfolioClassIMember_zHCmXbgNrf5d" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Investing to correspond with the returns of the Russell 2000 Index.</td> <td style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">CVT Russell 2000 Small Cap Index Portfolio, Class I Calvert Research and Management / Ameritas Investment Partners, Inc. 1</td> <td id="xdx_986_evip--CurrentExpensesPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--CVTRussell2000SmallCapIndexPortfolioClassIMember_fKg_____z6I2aXJ0SeO" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">0.40%*</td> <td id="xdx_987_evip--AverageAnnualTotalReturns1YearPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--CVTRussell2000SmallCapIndexPortfolioClassIMember_zeMDAEbcV5Fh" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">12.45%</td> <td id="xdx_984_evip--AverageAnnualTotalReturns5YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--CVTRussell2000SmallCapIndexPortfolioClassIMember_zUnUGEwYH6Lj" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">5.83%</td> <td id="xdx_987_evip--AverageAnnualTotalReturns10YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--CVTRussell2000SmallCapIndexPortfolioClassIMember_zzkL8co3oW0l" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">9.32%</td></tr> <tr style="vertical-align: top"> <td id="xdx_983_evip--PortfolioCompanyObjectiveTextBlock_c20260501__20260501__vip--PortfolioCompanyAxis__custom--DFAVAGlobalModerateAllocationPortfolioMember_zERFjaZ5aAA1" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">To seek total return consisting of capital appreciation and current income.</td> <td style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">DFA VA Global Moderate Allocation Portfolio Dimensional Fund Advisors LP</td> <td id="xdx_980_evip--CurrentExpensesPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--DFAVAGlobalModerateAllocationPortfolioMember_fKg_____zQlH4mMTC9m6" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">0.28%*</td> <td id="xdx_98D_evip--AverageAnnualTotalReturns1YearPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--DFAVAGlobalModerateAllocationPortfolioMember_zD8EM8qNsdKb" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">14.68%</td> <td id="xdx_98A_evip--AverageAnnualTotalReturns5YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--DFAVAGlobalModerateAllocationPortfolioMember_zY4Klmkfpla3" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">8.42%</td> <td id="xdx_98F_evip--AverageAnnualTotalReturns10YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--DFAVAGlobalModerateAllocationPortfolioMember_zAHeZqiinBz4" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">8.65%</td></tr> <tr style="vertical-align: top"> <td id="xdx_986_evip--PortfolioCompanyObjectiveTextBlock_c20260501__20260501__vip--PortfolioCompanyAxis__custom--DFAVAInternationalSmallPortfolioMember_zOdl2HOo7rH3" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">To achieve long-term capital appreciation.</td> <td style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">DFA VA International Small Portfolio Dimensional Fund Advisors LP / Dimensional Fund Advisors Ltd. and DFA Australia Limited</td> <td id="xdx_987_evip--CurrentExpensesPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--DFAVAInternationalSmallPortfolioMember_zJ5IUQ1yW7gk" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">0.39%</td> <td id="xdx_989_evip--AverageAnnualTotalReturns1YearPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--DFAVAInternationalSmallPortfolioMember_z3Jyc03GLJf7" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">36.99%</td> <td id="xdx_986_evip--AverageAnnualTotalReturns5YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--DFAVAInternationalSmallPortfolioMember_z0Ofw7LSkrPj" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">8.89%</td> <td id="xdx_984_evip--AverageAnnualTotalReturns10YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--DFAVAInternationalSmallPortfolioMember_zAz5RRx6ffbc" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">8.68%</td></tr> <tr style="vertical-align: top"> <td id="xdx_98F_evip--PortfolioCompanyObjectiveTextBlock_c20260501__20260501__vip--PortfolioCompanyAxis__custom--DFAVAInternationalValuePortfolioMember_zvM1LXTNkD1f" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">To achieve long-term capital appreciation.</td> <td style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">DFA VA International Value Portfolio Dimensional Fund Advisors LP / Dimensional Fund Advisors Ltd. and DFA Australia Limited</td> <td id="xdx_98C_evip--CurrentExpensesPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--DFAVAInternationalValuePortfolioMember_zNNUn7UdBVQ1" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">0.27%</td> <td id="xdx_98C_evip--AverageAnnualTotalReturns1YearPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--DFAVAInternationalValuePortfolioMember_zbAf7pmR74dj" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">45.64%</td> <td id="xdx_98C_evip--AverageAnnualTotalReturns5YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--DFAVAInternationalValuePortfolioMember_zsIPihsNkjL" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">15.85%</td> <td id="xdx_988_evip--AverageAnnualTotalReturns10YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--DFAVAInternationalValuePortfolioMember_zXDvdTFIKhGk" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">10.46%</td></tr> <tr style="vertical-align: top"> <td id="xdx_98F_evip--PortfolioCompanyObjectiveTextBlock_c20260501__20260501__vip--PortfolioCompanyAxis__custom--DWSAlternativeAssetAllocationVIPClassAMember_zH4JX5ZeDiCi" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Capital appreciation.</td> <td style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">DWS Alternative Asset Allocation VIP, Class A DWS Investment Management Americas, Inc. / RREEF America L.L.C.</td> <td id="xdx_986_evip--CurrentExpensesPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--DWSAlternativeAssetAllocationVIPClassAMember_zZNzBGxjhVT" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">0.93%</td> <td id="xdx_98F_evip--AverageAnnualTotalReturns1YearPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--DWSAlternativeAssetAllocationVIPClassAMember_z8Ud89motwQ1" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">10.50%</td> <td id="xdx_98B_evip--AverageAnnualTotalReturns5YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--DWSAlternativeAssetAllocationVIPClassAMember_zjZmnsTiCdh3" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">5.29%</td> <td id="xdx_982_evip--AverageAnnualTotalReturns10YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--DWSAlternativeAssetAllocationVIPClassAMember_z5IWSQX6t1td" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">4.89%</td></tr> <tr style="vertical-align: top"> <td id="xdx_98C_evip--PortfolioCompanyObjectiveTextBlock_c20260501__20260501__vip--PortfolioCompanyAxis__custom--DWSCapitalGrowthVIPClassAMember_zBc6KO6MEfMa" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Long-term growth of capital.</td> <td style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">DWS Capital Growth VIP, Class A DWS Investment Management Americas, Inc.</td> <td id="xdx_98D_evip--CurrentExpensesPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--DWSCapitalGrowthVIPClassAMember_zPII8WjDtA3l" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">0.49%</td> <td id="xdx_984_evip--AverageAnnualTotalReturns1YearPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--DWSCapitalGrowthVIPClassAMember_zVsdSmCie1t7" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">12.53%</td> <td id="xdx_983_evip--AverageAnnualTotalReturns5YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--DWSCapitalGrowthVIPClassAMember_zG95VD5loYCk" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">10.92%</td> <td id="xdx_989_evip--AverageAnnualTotalReturns10YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--DWSCapitalGrowthVIPClassAMember_zJipm4gwB792" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">15.29%</td></tr> <tr style="vertical-align: top"> <td id="xdx_98F_evip--PortfolioCompanyObjectiveTextBlock_c20260501__20260501__vip--PortfolioCompanyAxis__custom--FidelityVIPEmergingMarketsPortfolioInitialClassMember_zS6WH66jEdKj" style="border: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Seeks capital appreciation.</td> <td style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Fidelity® VIP Emerging Markets Portfolio, Initial Class 2 Fidelity Management & Research Company LLC / Other investment advisers serve as sub-advisers for the fund.</td> <td id="xdx_98B_evip--CurrentExpensesPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--FidelityVIPEmergingMarketsPortfolioInitialClassMember_zmDvEAQI7Lpe" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">0.87%</td> <td id="xdx_981_evip--AverageAnnualTotalReturns1YearPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--FidelityVIPEmergingMarketsPortfolioInitialClassMember_zQ2Qsnw6WN2i" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">41.20%</td> <td id="xdx_985_evip--AverageAnnualTotalReturns5YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--FidelityVIPEmergingMarketsPortfolioInitialClassMember_zCYS97uQAqOb" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">5.88%</td> <td id="xdx_983_evip--AverageAnnualTotalReturns10YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--FidelityVIPEmergingMarketsPortfolioInitialClassMember_zRZqUZB3HqH6" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">10.93%</td></tr> <tr style="vertical-align: top"> <td id="xdx_989_evip--PortfolioCompanyObjectiveTextBlock_c20260501__20260501__vip--PortfolioCompanyAxis__custom--FidelityVIPEquityIncomePortfolioInitialClassMember_fMw_____ziOqzmrmdhT" style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Seeks reasonable income. The fund will also consider 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. 3</td> <td style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Fidelity® VIP Equity-Income Portfolio SM, Initial Class 2 Fidelity Management & Research Company LLC / Other investment advisers serve as sub-advisers for the fund.</td> <td id="xdx_989_evip--CurrentExpensesPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--FidelityVIPEquityIncomePortfolioInitialClassMember_zJbqbE3A87tj" style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">0.46%</td> <td id="xdx_982_evip--AverageAnnualTotalReturns1YearPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--FidelityVIPEquityIncomePortfolioInitialClassMember_zIyN3tGd3Otd" style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">19.02%</td> <td id="xdx_98A_evip--AverageAnnualTotalReturns5YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--FidelityVIPEquityIncomePortfolioInitialClassMember_zdS0mjxzrLH9" style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">12.51%</td> <td id="xdx_988_evip--AverageAnnualTotalReturns10YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--FidelityVIPEquityIncomePortfolioInitialClassMember_zH8yqQnFzTqd" style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">11.60%</td></tr> <tr style="vertical-align: top"> <td id="xdx_98D_evip--PortfolioCompanyObjectiveTextBlock_c20260501__20260501__vip--PortfolioCompanyAxis__custom--FidelityVIPGovernmentMoneyMarketPortfolioInitialClassMember_zV1sOiX9Tz2e" style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Seeks as high a level of current income as is consistent with preservation of capital and liquidity.</td> <td style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Fidelity® VIP Government Money Market Portfolio, Initial Class 2,4 Fidelity Management & Research Company LLC / Other investment advisers serve as sub-advisers for the fund.</td> <td id="xdx_982_evip--CurrentExpensesPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--FidelityVIPGovernmentMoneyMarketPortfolioInitialClassMember_zyswEBp1YThg" style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">0.25%</td> <td id="xdx_98E_evip--AverageAnnualTotalReturns1YearPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--FidelityVIPGovernmentMoneyMarketPortfolioInitialClassMember_zqhNp17SROm6" style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">4.13%</td> <td id="xdx_98F_evip--AverageAnnualTotalReturns5YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--FidelityVIPGovernmentMoneyMarketPortfolioInitialClassMember_znUC5OFOUun2" style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">3.10%</td> <td id="xdx_980_evip--AverageAnnualTotalReturns10YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--FidelityVIPGovernmentMoneyMarketPortfolioInitialClassMember_z9GiEoSnVO9a" style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">2.03%</td></tr> </table> <table cellpadding="0" cellspacing="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse"> <tr style="vertical-align: bottom; background-color: #D9D9D9"> <td rowspan="2" style="border: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">Type / Investment Objective</td> <td rowspan="2" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">Portfolio Company and Adviser / Subadviser(s)</td> <td rowspan="2" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">Current Expenses</td> <td colspan="3" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">Average Annual Total Returns as of 12/31/2025</td></tr> <tr style="background-color: #D9D9D9"> <td style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">1 year</td> <td style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">5 year</td> <td style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">10 year</td></tr> <tr style="vertical-align: top"> <td id="xdx_983_evip--PortfolioCompanyObjectiveTextBlock_c20260501__20260501__vip--PortfolioCompanyAxis__custom--FidelityVIPGrowthPortfolioInitialClassMember_zpFlTT1zwodi" style="border-right: Black 1pt solid; border-left: Black 1pt solid; width: 32%; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Seeks to achieve capital appreciation.</td> <td style="border-right: Black 1pt solid; width: 39%; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Fidelity® VIP Growth Portfolio, Initial Class 2 Fidelity Management & Research Company LLC / Other investment advisers serve as sub-advisers for the fund.</td> <td id="xdx_98D_evip--CurrentExpensesPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--FidelityVIPGrowthPortfolioInitialClassMember_zLtru1AfESI5" style="border-right: Black 1pt solid; width: 9%; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">0.55%</td> <td id="xdx_982_evip--AverageAnnualTotalReturns1YearPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--FidelityVIPGrowthPortfolioInitialClassMember_zhg3ZeAeQJWc" style="border-right: Black 1pt solid; width: 7%; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">14.92%</td> <td id="xdx_989_evip--AverageAnnualTotalReturns5YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--FidelityVIPGrowthPortfolioInitialClassMember_zSPbREjaPdEf" style="border-right: Black 1pt solid; width: 7%; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">13.70%</td> <td id="xdx_983_evip--AverageAnnualTotalReturns10YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--FidelityVIPGrowthPortfolioInitialClassMember_zIsK02MPW4Yj" style="border-right: Black 1pt solid; width: 6%; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">17.45%</td></tr> <tr style="vertical-align: top"> <td id="xdx_98D_evip--PortfolioCompanyObjectiveTextBlock_c20260501__20260501__vip--PortfolioCompanyAxis__custom--FidelityVIPInternationalCapitalAppreciationPortInitialClassMember_zrkJvK8R3OE" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Seeks capital appreciation.</td> <td style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Fidelity® VIP International Capital Appreciation Portfolio, Initial Class 2 Fidelity Management & Research Company LLC / Other investment advisers serve as sub-advisers for the fund.</td> <td id="xdx_98F_evip--CurrentExpensesPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--FidelityVIPInternationalCapitalAppreciationPortInitialClassMember_zEertsvEqfea" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">0.78%</td> <td id="xdx_98E_evip--AverageAnnualTotalReturns1YearPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--FidelityVIPInternationalCapitalAppreciationPortInitialClassMember_zK3RxCwYtH1j" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">18.69%</td> <td id="xdx_98B_evip--AverageAnnualTotalReturns5YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--FidelityVIPInternationalCapitalAppreciationPortInitialClassMember_zSA5n1i52Co" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">6.26%</td> <td id="xdx_986_evip--AverageAnnualTotalReturns10YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--FidelityVIPInternationalCapitalAppreciationPortInitialClassMember_zgygO6vbLCU4" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">9.81%</td></tr> <tr style="vertical-align: top"> <td id="xdx_98E_evip--PortfolioCompanyObjectiveTextBlock_c20260501__20260501__vip--PortfolioCompanyAxis__custom--FidelityVIPInvestmentGradeBondPortfolioInitialClassMember_z5sM8Y0a9Bgf" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Seeks as high a level of current income as is consistent with the preservation of capital. </td> <td style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Fidelity® VIP Investment Grade Bond Portfolio, Initial Class 2 Fidelity Management & Research Company LLC / Other investment advisers serve as sub-advisers for the fund.</td> <td id="xdx_984_evip--CurrentExpensesPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--FidelityVIPInvestmentGradeBondPortfolioInitialClassMember_zvOstItdkSMf" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">0.37%</td> <td id="xdx_98F_evip--AverageAnnualTotalReturns1YearPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--FidelityVIPInvestmentGradeBondPortfolioInitialClassMember_zhWlIopS78Z4" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">7.22%</td> <td id="xdx_984_evip--AverageAnnualTotalReturns5YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--FidelityVIPInvestmentGradeBondPortfolioInitialClassMember_zr6fnOey3vy9" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">0.06%</td> <td id="xdx_980_evip--AverageAnnualTotalReturns10YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--FidelityVIPInvestmentGradeBondPortfolioInitialClassMember_zJ5YTlXz98Ci" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">2.71%</td></tr> <tr style="vertical-align: top"> <td id="xdx_980_evip--PortfolioCompanyObjectiveTextBlock_c20260501__20260501__vip--PortfolioCompanyAxis__custom--FidelityVIPMidCapPortfolioInitialClassMember_zl0bapssrjyj" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Seeks long-term growth of capital.</td> <td style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Fidelity® VIP Mid Cap Portfolio, Initial Class 2 Fidelity Management & Research Company LLC / Other investment advisers serve as sub-advisers for the fund.</td> <td id="xdx_985_evip--CurrentExpensesPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--FidelityVIPMidCapPortfolioInitialClassMember_zvv7NvpxJ5sd" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">0.55%</td> <td id="xdx_98F_evip--AverageAnnualTotalReturns1YearPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--FidelityVIPMidCapPortfolioInitialClassMember_zYD3tth6BZ9" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">11.75%</td> <td id="xdx_984_evip--AverageAnnualTotalReturns5YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--FidelityVIPMidCapPortfolioInitialClassMember_zQh29ppFx1m8" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">10.10%</td> <td id="xdx_981_evip--AverageAnnualTotalReturns10YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--FidelityVIPMidCapPortfolioInitialClassMember_ze0q7yzE5x2i" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">10.59%</td></tr> <tr style="vertical-align: top"> <td id="xdx_98E_evip--PortfolioCompanyObjectiveTextBlock_c20260501__20260501__vip--PortfolioCompanyAxis__custom--FidelityVIPStrategicIncomePortfolioInitialClassMember_zoXOv6ubGyN1" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Seeks a high level of current income. The fund may also seek capital appreciation.</td> <td style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Fidelity® VIP Strategic Income Portfolio, Initial Class 2 Fidelity Management & Research Company LLC / Other investment advisers serve as sub-advisers for the fund.</td> <td id="xdx_98F_evip--CurrentExpensesPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--FidelityVIPStrategicIncomePortfolioInitialClassMember_zKZdZWFoFOKg" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">0.63%</td> <td id="xdx_98F_evip--AverageAnnualTotalReturns1YearPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--FidelityVIPStrategicIncomePortfolioInitialClassMember_zqB6LMWHJwm3" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">8.85%</td> <td id="xdx_98A_evip--AverageAnnualTotalReturns5YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--FidelityVIPStrategicIncomePortfolioInitialClassMember_zoNXsPffpaS4" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">3.07%</td> <td id="xdx_981_evip--AverageAnnualTotalReturns10YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--FidelityVIPStrategicIncomePortfolioInitialClassMember_zOeBX5JwItEb" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">4.66%</td></tr> <tr style="vertical-align: top"> <td id="xdx_98E_evip--PortfolioCompanyObjectiveTextBlock_c20260501__20260501__vip--PortfolioCompanyAxis__custom--FidelityVIPTechnologyPortfolioInitialClassMember_zAZlYfG5HvWh" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Seeks capital appreciation.</td> <td style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Fidelity® VIP Technology Portfolio, Initial Class 2 Fidelity Management & Research Company LLC / Other investment advisers serve as sub-advisers for the fund.</td> <td id="xdx_982_evip--CurrentExpensesPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--FidelityVIPTechnologyPortfolioInitialClassMember_zJrKjg311PFl" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">0.56%</td> <td id="xdx_982_evip--AverageAnnualTotalReturns1YearPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--FidelityVIPTechnologyPortfolioInitialClassMember_zl2abmBXyEm4" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">23.36%</td> <td id="xdx_987_evip--AverageAnnualTotalReturns5YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--FidelityVIPTechnologyPortfolioInitialClassMember_zFrOLFiUwAac" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">16.83%</td> <td id="xdx_986_evip--AverageAnnualTotalReturns10YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--FidelityVIPTechnologyPortfolioInitialClassMember_zi7X4pgeumSb" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">23.76%</td></tr> <tr style="vertical-align: top"> <td id="xdx_980_evip--PortfolioCompanyObjectiveTextBlock_c20260501__20260501__vip--PortfolioCompanyAxis__custom--InvescoVICorePlusBondFundSeriesIMember_z6TQDYHQYGb4" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Total return, comprised of current income and capital appreciation.</td> <td style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Invesco V.I. Core Plus Bond Fund, Series I Invesco Advisers, Inc.</td> <td id="xdx_98E_evip--CurrentExpensesPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--InvescoVICorePlusBondFundSeriesIMember_fKg_____zwW9A6ZeCzve" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">0.62%*</td> <td id="xdx_986_evip--AverageAnnualTotalReturns1YearPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--InvescoVICorePlusBondFundSeriesIMember_zqI9GDwW203j" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">7.09%</td> <td id="xdx_98C_evip--AverageAnnualTotalReturns5YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--InvescoVICorePlusBondFundSeriesIMember_ztaoWgbrxnge" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">-0.11%</td> <td id="xdx_98C_evip--AverageAnnualTotalReturns10YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--InvescoVICorePlusBondFundSeriesIMember_zjm8YFbMsiYd" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">2.99%</td></tr> <tr style="vertical-align: top"> <td id="xdx_98D_evip--PortfolioCompanyObjectiveTextBlock_c20260501__20260501__vip--PortfolioCompanyAxis__custom--InvescoVIDiscoveryMidCapGrowthFundSeriesIMember_zcdeX9Ai6QKf" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Seeks capital appreciation.</td> <td style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Invesco V.I. Discovery Mid Cap Growth Fund, Series I Invesco Advisers, Inc.</td> <td id="xdx_98D_evip--CurrentExpensesPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--InvescoVIDiscoveryMidCapGrowthFundSeriesIMember_z90K8Op8pPGj" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">0.86%</td> <td id="xdx_983_evip--AverageAnnualTotalReturns1YearPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--InvescoVIDiscoveryMidCapGrowthFundSeriesIMember_zvqhk3vPSk4d" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">4.79%</td> <td id="xdx_98E_evip--AverageAnnualTotalReturns5YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--InvescoVIDiscoveryMidCapGrowthFundSeriesIMember_zqnhmtiudDx3" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">3.90%</td> <td id="xdx_98F_evip--AverageAnnualTotalReturns10YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--InvescoVIDiscoveryMidCapGrowthFundSeriesIMember_zXcqvvnOO1pb" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">11.38%</td></tr> <tr style="vertical-align: top"> <td id="xdx_985_evip--PortfolioCompanyObjectiveTextBlock_c20260501__20260501__vip--PortfolioCompanyAxis__custom--InvescoVIMainStreetSmallCapFundSeriesIMember_z1yxwdyFAFi5" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Seeks capital appreciation.</td> <td style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Invesco V.I. Main Street Small Cap Fund®, Series I Invesco Advisers, Inc.</td> <td id="xdx_983_evip--CurrentExpensesPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--InvescoVIMainStreetSmallCapFundSeriesIMember_zmBdHd2R9EPd" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">0.84%</td> <td id="xdx_980_evip--AverageAnnualTotalReturns1YearPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--InvescoVIMainStreetSmallCapFundSeriesIMember_zaAVyjUw4ADb" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">8.70%</td> <td id="xdx_989_evip--AverageAnnualTotalReturns5YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--InvescoVIMainStreetSmallCapFundSeriesIMember_z79pKfPPXjFg" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">8.34%</td> <td id="xdx_980_evip--AverageAnnualTotalReturns10YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--InvescoVIMainStreetSmallCapFundSeriesIMember_zFfudpZWdUDc" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">10.59%</td></tr> <tr style="vertical-align: top"> <td id="xdx_981_evip--PortfolioCompanyObjectiveTextBlock_c20260501__20260501__vip--PortfolioCompanyAxis__custom--LVIPAmericanCenturyInflationProtectionFundStanClassIIMember_zICXTANW8nik" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Pursues long-term total return using a strategy that seeks to protect against U.S. inflation.</td> <td style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">LVIP American Century Inflation Protection Fund, Standard Class II Lincoln Financial Investments Corporation / American Century Investment Management, Inc.</td> <td id="xdx_98E_evip--CurrentExpensesPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--LVIPAmericanCenturyInflationProtectionFundStanClassIIMember_fKg_____zHRpYwOiJ6fc" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">0.47%*</td> <td id="xdx_985_evip--AverageAnnualTotalReturns1YearPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--LVIPAmericanCenturyInflationProtectionFundStanClassIIMember_z9x1pZw1rkx8" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">6.60%</td> <td id="xdx_983_evip--AverageAnnualTotalReturns5YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--LVIPAmericanCenturyInflationProtectionFundStanClassIIMember_zlpmTk5De0tb" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">0.87%</td> <td id="xdx_982_evip--AverageAnnualTotalReturns10YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--LVIPAmericanCenturyInflationProtectionFundStanClassIIMember_zlJgUmKkl6u9" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">2.87%</td></tr> <tr style="vertical-align: top"> <td id="xdx_984_evip--PortfolioCompanyObjectiveTextBlock_c20260501__20260501__vip--PortfolioCompanyAxis__custom--LVIPAmericanCenturyMidCapValueFundStanClassIIMember_zQY6QwMovlod" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Long-term capital growth. Income is a secondary objective.</td> <td style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">LVIP American Century Mid Cap Value Fund, Standard Class II Lincoln Financial Investments Corporation / American Century Investment Management, Inc.</td> <td id="xdx_98F_evip--CurrentExpensesPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--LVIPAmericanCenturyMidCapValueFundStanClassIIMember_fKg_____zJCUcPGh8oe6" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">0.86%*</td> <td id="xdx_98B_evip--AverageAnnualTotalReturns1YearPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--LVIPAmericanCenturyMidCapValueFundStanClassIIMember_zYSWFoNE1Bgb" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">8.99%</td> <td id="xdx_988_evip--AverageAnnualTotalReturns5YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--LVIPAmericanCenturyMidCapValueFundStanClassIIMember_zHpq2mScHQqj" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">8.89%</td> <td id="xdx_98C_evip--AverageAnnualTotalReturns10YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--LVIPAmericanCenturyMidCapValueFundStanClassIIMember_zk3yTiQzr9Aj" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">9.12%</td></tr> <tr style="vertical-align: top"> <td id="xdx_98E_evip--PortfolioCompanyObjectiveTextBlock_c20260501__20260501__vip--PortfolioCompanyAxis__custom--MFSBlendedResearchSmallCapEquityPortInitialClassMember_zu81OmRaV0Jk" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Seeks capital appreciation.</td> <td style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">MFS® Blended Research® Small Cap Equity Portfolio, Initial Class Massachusetts Financial Services Company</td> <td id="xdx_983_evip--CurrentExpensesPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--MFSBlendedResearchSmallCapEquityPortInitialClassMember_fKg_____zbCjem5QxRyf" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">0.58%*</td> <td id="xdx_98D_evip--AverageAnnualTotalReturns1YearPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--MFSBlendedResearchSmallCapEquityPortInitialClassMember_zu80GybcvFQj" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">5.76%</td> <td id="xdx_988_evip--AverageAnnualTotalReturns5YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--MFSBlendedResearchSmallCapEquityPortInitialClassMember_ziIULXlpbeVh" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">6.92%</td> <td id="xdx_98B_evip--AverageAnnualTotalReturns10YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--MFSBlendedResearchSmallCapEquityPortInitialClassMember_zNDrJk7T1RFk" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">9.10%</td></tr> <tr style="vertical-align: top"> <td id="xdx_986_evip--PortfolioCompanyObjectiveTextBlock_c20260501__20260501__vip--PortfolioCompanyAxis__custom--MFSConservativeAllocationPortfolioInitialClassMember_zh1EScx15wSb" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Seeks a high level of total return consistent with a conservative level of risk relative to the other MFS Asset Allocation Portfolios.</td> <td style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">MFS® Conservative Allocation Portfolio, Initial Class Massachusetts Financial Services Company</td> <td id="xdx_988_evip--CurrentExpensesPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--MFSConservativeAllocationPortfolioInitialClassMember_zFblPOeEujt9" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">0.70%</td> <td id="xdx_98F_evip--AverageAnnualTotalReturns1YearPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--MFSConservativeAllocationPortfolioInitialClassMember_zQ4fPGwFFzkl" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">10.00%</td> <td id="xdx_981_evip--AverageAnnualTotalReturns5YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--MFSConservativeAllocationPortfolioInitialClassMember_zjEVXx0pqgx7" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">3.09%</td> <td id="xdx_983_evip--AverageAnnualTotalReturns10YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--MFSConservativeAllocationPortfolioInitialClassMember_znhUsYrVrC5d" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">5.70%</td></tr> <tr style="vertical-align: top"> <td id="xdx_986_evip--PortfolioCompanyObjectiveTextBlock_c20260501__20260501__vip--PortfolioCompanyAxis__custom--MFSGlobalRealEstatePortfolioInitialClassMember_zTgQmbRonnqh" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Seeks total return.</td> <td style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">MFS® Global Real Estate Portfolio, Initial Class Massachusetts Financial Services Company</td> <td id="xdx_982_evip--CurrentExpensesPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--MFSGlobalRealEstatePortfolioInitialClassMember_fKg_____z2Mkdka3QrYh" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">0.90%*</td> <td id="xdx_988_evip--AverageAnnualTotalReturns1YearPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--MFSGlobalRealEstatePortfolioInitialClassMember_zb9jrdSWa0eh" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">3.53%</td> <td id="xdx_98D_evip--AverageAnnualTotalReturns5YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--MFSGlobalRealEstatePortfolioInitialClassMember_zfEHID9PlcJ6" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">1.32%</td> <td id="xdx_98B_evip--AverageAnnualTotalReturns10YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--MFSGlobalRealEstatePortfolioInitialClassMember_zUhOdL1F6gl2" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">5.01%</td></tr> <tr style="vertical-align: top"> <td id="xdx_989_evip--PortfolioCompanyObjectiveTextBlock_c20260501__20260501__vip--PortfolioCompanyAxis__custom--MFSGrowthAllocationPortfolioInitialClassMember_zBlATybu8vih" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Seeks a high level of total return consistent with a greater than moderate level of risk relative to the other MFS Asset Allocation Portfolios.</td> <td style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">MFS® Growth Allocation Portfolio, Initial Class Massachusetts Financial Services Company</td> <td id="xdx_98B_evip--CurrentExpensesPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--MFSGrowthAllocationPortfolioInitialClassMember_zmBwukjuh6Z4" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">0.80%</td> <td id="xdx_981_evip--AverageAnnualTotalReturns1YearPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--MFSGrowthAllocationPortfolioInitialClassMember_zU59yGQKSxf5" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">12.18%</td> <td id="xdx_985_evip--AverageAnnualTotalReturns5YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--MFSGrowthAllocationPortfolioInitialClassMember_zC7qnojZaLS7" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">6.19%</td> <td id="xdx_98E_evip--AverageAnnualTotalReturns10YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--MFSGrowthAllocationPortfolioInitialClassMember_zD8siNAUym5j" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">9.22%</td></tr> <tr style="vertical-align: top"> <td id="xdx_981_evip--PortfolioCompanyObjectiveTextBlock_c20260501__20260501__vip--PortfolioCompanyAxis__custom--MFSMidCapGrowthSeriesInitialClassMember_zlpN6HDe3X91" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Seeks capital appreciation.</td> <td style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">MFS® Mid Cap Growth Series, Initial Class Massachusetts Financial Services Company</td> <td id="xdx_98A_evip--CurrentExpensesPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--MFSMidCapGrowthSeriesInitialClassMember_fKg_____z7syFsoqHwPa" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">0.81%*</td> <td id="xdx_984_evip--AverageAnnualTotalReturns1YearPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--MFSMidCapGrowthSeriesInitialClassMember_zAzR5SI7HxIc" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">3.66%</td> <td id="xdx_98D_evip--AverageAnnualTotalReturns5YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--MFSMidCapGrowthSeriesInitialClassMember_zD3W79u1KgW" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">3.26%</td> <td id="xdx_983_evip--AverageAnnualTotalReturns10YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--MFSMidCapGrowthSeriesInitialClassMember_zdYbU8RbYfqj" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">11.60%</td></tr> <tr style="vertical-align: top"> <td id="xdx_987_evip--PortfolioCompanyObjectiveTextBlock_c20260501__20260501__vip--PortfolioCompanyAxis__custom--MFSMidCapValuePortfolioInitialClassMember_zR8AGDNCONWh" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Seeks capital appreciation.</td> <td style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">MFS® Mid Cap Value Portfolio, Initial Class Massachusetts Financial Services Company</td> <td id="xdx_98A_evip--CurrentExpensesPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--MFSMidCapValuePortfolioInitialClassMember_fKg_____ziOSradyyK2a" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">0.79%*</td> <td id="xdx_989_evip--AverageAnnualTotalReturns1YearPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--MFSMidCapValuePortfolioInitialClassMember_zRAqw9atLNF8" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">5.98%</td> <td id="xdx_989_evip--AverageAnnualTotalReturns5YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--MFSMidCapValuePortfolioInitialClassMember_zEHLmvEEA7dc" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">10.18%</td> <td id="xdx_98A_evip--AverageAnnualTotalReturns10YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--MFSMidCapValuePortfolioInitialClassMember_zJwEIZosGxO8" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">9.95%</td></tr> <tr style="vertical-align: top"> <td id="xdx_98D_evip--PortfolioCompanyObjectiveTextBlock_c20260501__20260501__vip--PortfolioCompanyAxis__custom--MFSModerateAllocationPortfolioInitialClassMember_zSqEcheM98wi" style="border: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Seeks a high level of total return consistent with a moderate level of risk relative to the other MFS Asset Allocation Portfolios.</td> <td style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">MFS® Moderate Allocation Portfolio, Initial Class Massachusetts Financial Services Company</td> <td id="xdx_983_evip--CurrentExpensesPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--MFSModerateAllocationPortfolioInitialClassMember_zgTAt6ipSvw3" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">0.72%</td> <td id="xdx_989_evip--AverageAnnualTotalReturns1YearPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--MFSModerateAllocationPortfolioInitialClassMember_zlPFnlfE3qK7" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">11.29%</td> <td id="xdx_989_evip--AverageAnnualTotalReturns5YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--MFSModerateAllocationPortfolioInitialClassMember_zLbLhF3p6EFd" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">4.82%</td> <td id="xdx_989_evip--AverageAnnualTotalReturns10YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--MFSModerateAllocationPortfolioInitialClassMember_zpwn8bCP8lF6" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">7.62%</td></tr> <tr style="vertical-align: top"> <td id="xdx_985_evip--PortfolioCompanyObjectiveTextBlock_c20260501__20260501__vip--PortfolioCompanyAxis__custom--MFSNewDiscoverySeriesInitialClassMember_zHZuCYi4Yi5i" style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Seeks capital appreciation.</td> <td style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">MFS® New Discovery Series, Initial Class Massachusetts Financial Services Company</td> <td id="xdx_988_evip--CurrentExpensesPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--MFSNewDiscoverySeriesInitialClassMember_fKg_____zhsW16515DJc" style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">0.87%*</td> <td id="xdx_983_evip--AverageAnnualTotalReturns1YearPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--MFSNewDiscoverySeriesInitialClassMember_zveUvScpqGxh" style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">12.96%</td> <td id="xdx_98D_evip--AverageAnnualTotalReturns5YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--MFSNewDiscoverySeriesInitialClassMember_zwk6ZootL0ak" style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">-0.28%</td> <td id="xdx_989_evip--AverageAnnualTotalReturns10YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--MFSNewDiscoverySeriesInitialClassMember_z1WvY2Ixz3dl" style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">10.74%</td></tr> <tr style="vertical-align: top"> <td id="xdx_98D_evip--PortfolioCompanyObjectiveTextBlock_c20260501__20260501__vip--PortfolioCompanyAxis__custom--MFSResearchInternationalPortfolioInitialClassMember_zHByuzsl2a26" style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Seeks capital appreciation.</td> <td style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">MFS® Research International Portfolio, Initial Class Massachusetts Financial Services Company</td> <td id="xdx_987_evip--CurrentExpensesPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--MFSResearchInternationalPortfolioInitialClassMember_fKg_____zEJG2cRIm942" style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">0.90%*</td> <td id="xdx_986_evip--AverageAnnualTotalReturns1YearPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--MFSResearchInternationalPortfolioInitialClassMember_zlGF4vZlE2W2" style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">22.05%</td> <td id="xdx_988_evip--AverageAnnualTotalReturns5YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--MFSResearchInternationalPortfolioInitialClassMember_zky220TBJmV4" style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">5.51%</td> <td id="xdx_982_evip--AverageAnnualTotalReturns10YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--MFSResearchInternationalPortfolioInitialClassMember_zLDGJHJMOYa2" style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">7.54%</td></tr> <tr style="vertical-align: top"> <td id="xdx_985_evip--PortfolioCompanyObjectiveTextBlock_c20260501__20260501__vip--PortfolioCompanyAxis__custom--PIMCOCommodityrealreturnStrategyPortfolioInstlClassMember_zEwnFkmNt8Ye" style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Seeks maximum real return, consistent with prudent investment management.</td> <td style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">PIMCO CommodityRealReturn® Strategy Portfolio, Institutional Class Pacific Investment Management Company LLC</td> <td id="xdx_987_evip--CurrentExpensesPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--PIMCOCommodityrealreturnStrategyPortfolioInstlClassMember_fKg_____zgtT6QLrvoFl" style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">3.04%*</td> <td id="xdx_98A_evip--AverageAnnualTotalReturns1YearPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--PIMCOCommodityrealreturnStrategyPortfolioInstlClassMember_zQOJ8iShwVa5" style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">19.07%</td> <td id="xdx_982_evip--AverageAnnualTotalReturns5YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--PIMCOCommodityrealreturnStrategyPortfolioInstlClassMember_zfC7wfNDphWb" style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">10.72%</td> <td id="xdx_987_evip--AverageAnnualTotalReturns10YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--PIMCOCommodityrealreturnStrategyPortfolioInstlClassMember_zE81HoVb6RA4" style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">6.70%</td></tr> <tr style="vertical-align: top"> <td id="xdx_98C_evip--PortfolioCompanyObjectiveTextBlock_c20260501__20260501__vip--PortfolioCompanyAxis__custom--PIMCORealReturnPortfolioInstlClassMember_znShYMuBU7kj" style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Seeks maximum real return, consistent with preservation of real capital and prudent investment management.</td> <td style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">PIMCO Real Return Portfolio, Institutional Class Pacific Investment Management Company LLC</td> <td id="xdx_98E_evip--CurrentExpensesPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--PIMCORealReturnPortfolioInstlClassMember_zTtZ16Wl3ja7" style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">1.24%</td> <td id="xdx_989_evip--AverageAnnualTotalReturns1YearPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--PIMCORealReturnPortfolioInstlClassMember_zKz8RQKas934" style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">8.01%</td> <td id="xdx_98D_evip--AverageAnnualTotalReturns5YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--PIMCORealReturnPortfolioInstlClassMember_zzVVFOb4ztXa" style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">1.36%</td> <td id="xdx_985_evip--AverageAnnualTotalReturns10YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--PIMCORealReturnPortfolioInstlClassMember_zTNvy4zDbQoc" style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">3.37%</td></tr> </table> <table cellpadding="0" cellspacing="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse"> <tr style="vertical-align: bottom; background-color: #D9D9D9"> <td rowspan="2" style="border: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">Type / Investment Objective</td> <td rowspan="2" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">Portfolio Company and Adviser / Subadviser(s)</td> <td rowspan="2" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">Current Expenses</td> <td colspan="3" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">Average Annual Total Returns as of 12/31/2025</td></tr> <tr style="background-color: #D9D9D9"> <td style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">1 year</td> <td style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">5 year</td> <td style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">10 year</td></tr> <tr style="vertical-align: top"> <td id="xdx_98F_evip--PortfolioCompanyObjectiveTextBlock_c20260501__20260501__vip--PortfolioCompanyAxis__custom--PIMCOShortTermPortfolioInstlClassMember_zNNTB0tWoZ96" style="border-right: Black 1pt solid; border-left: Black 1pt solid; width: 32%; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Seeks maximum current income, consistent with preservation of capital and daily liquidity.</td> <td style="border-right: Black 1pt solid; width: 39%; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">PIMCO Short-Term Portfolio, Institutional Class Pacific Investment Management Company LLC</td> <td id="xdx_980_evip--CurrentExpensesPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--PIMCOShortTermPortfolioInstlClassMember_zNF4UOaE74q8" style="border-right: Black 1pt solid; width: 9%; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">0.50%</td> <td id="xdx_98F_evip--AverageAnnualTotalReturns1YearPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--PIMCOShortTermPortfolioInstlClassMember_zxI5oXsy42Ia" style="border-right: Black 1pt solid; width: 7%; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">4.83%</td> <td id="xdx_985_evip--AverageAnnualTotalReturns5YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--PIMCOShortTermPortfolioInstlClassMember_zpqq1rT11fKd" style="border-right: Black 1pt solid; width: 7%; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">3.40%</td> <td id="xdx_983_evip--AverageAnnualTotalReturns10YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--PIMCOShortTermPortfolioInstlClassMember_zVf1jEMYLcV1" style="border-right: Black 1pt solid; width: 6%; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">2.91%</td></tr> <tr style="vertical-align: top"> <td id="xdx_985_evip--PortfolioCompanyObjectiveTextBlock_c20260501__20260501__vip--PortfolioCompanyAxis__custom--PutnamVTInternationalValueFundClassIAMember_zjaIVcVIDoqc" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Seeks capital growth. Current income is a secondary objective.</td> <td style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Putnam VT International Value Fund, Class IA Putnam Investment Management, LLC / Franklin Advisers, Inc., Franklin Templeton Investment Management Limited and The Putnam Advisory Company, LLC</td> <td id="xdx_989_evip--CurrentExpensesPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--PutnamVTInternationalValueFundClassIAMember_zk1m2NQHnbHa" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">0.81%</td> <td id="xdx_98A_evip--AverageAnnualTotalReturns1YearPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--PutnamVTInternationalValueFundClassIAMember_zFhPiZX3Egh1" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">35.07%</td> <td id="xdx_984_evip--AverageAnnualTotalReturns5YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--PutnamVTInternationalValueFundClassIAMember_zF5kEq06gVBb" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">12.77%</td> <td id="xdx_988_evip--AverageAnnualTotalReturns10YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--PutnamVTInternationalValueFundClassIAMember_zPylTbmM6DBl" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">9.13%</td></tr> <tr style="vertical-align: top"> <td id="xdx_98B_evip--PortfolioCompanyObjectiveTextBlock_c20260501__20260501__vip--PortfolioCompanyAxis__custom--VanguardBalancedPortfolioMember_zvOi05VRu9t8" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Seeks to provide long-term capital appreciation and reasonable current income.</td> <td style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Vanguard® Balanced Portfolio 5 Wellington Management Company, LLP</td> <td id="xdx_987_evip--CurrentExpensesPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--VanguardBalancedPortfolioMember_z8LpgOCtp58e" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">0.20%</td> <td id="xdx_987_evip--AverageAnnualTotalReturns1YearPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--VanguardBalancedPortfolioMember_zzE6tqsckrX5" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">16.46%</td> <td id="xdx_986_evip--AverageAnnualTotalReturns5YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--VanguardBalancedPortfolioMember_z2Oqbru3PQLe" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">9.29%</td> <td id="xdx_983_evip--AverageAnnualTotalReturns10YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--VanguardBalancedPortfolioMember_zHDOzOxSbar8" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">10.03%</td></tr> <tr style="vertical-align: top"> <td id="xdx_986_evip--PortfolioCompanyObjectiveTextBlock_c20260501__20260501__vip--PortfolioCompanyAxis__custom--VanguardConservativeAllocationPortfolioMember_zaxwKepHuJK9" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Seeks to provide current income and low to moderate capital appreciation.</td> <td style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Vanguard® Conservative Allocation Portfolio 5 Vanguard Global Equity Index Management</td> <td id="xdx_98C_evip--CurrentExpensesPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--VanguardConservativeAllocationPortfolioMember_z5TaaBYsdaxj" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">0.12%</td> <td id="xdx_98E_evip--AverageAnnualTotalReturns1YearPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--VanguardConservativeAllocationPortfolioMember_zncKIMGCCoX4" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">12.73%</td> <td id="xdx_98B_evip--AverageAnnualTotalReturns5YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--VanguardConservativeAllocationPortfolioMember_zegJkRE0NG1c" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">4.22%</td> <td id="xdx_986_evip--AverageAnnualTotalReturns10YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--VanguardConservativeAllocationPortfolioMember_zf1dPJR89uj1" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">6.14%</td></tr> <tr style="vertical-align: top"> <td id="xdx_986_evip--PortfolioCompanyObjectiveTextBlock_c20260501__20260501__vip--PortfolioCompanyAxis__custom--VanguardDiversifiedValuePortfolioMember_zoHEelbKrEta" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Seeks to provide long-term capital appreciation and income growth.</td> <td style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Vanguard® Diversified Value Portfolio 5 Hotchkis and Wiley Capital Management, LLC, Aristotle Capital Management, LLC and Harris Associates L.P.</td> <td id="xdx_98F_evip--CurrentExpensesPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--VanguardDiversifiedValuePortfolioMember_zJhzqpst7r86" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">0.28%</td> <td id="xdx_989_evip--AverageAnnualTotalReturns1YearPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--VanguardDiversifiedValuePortfolioMember_zlTx84npDD1g" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">16.83%</td> <td id="xdx_98A_evip--AverageAnnualTotalReturns5YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--VanguardDiversifiedValuePortfolioMember_zrlSKPyMmFlk" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">13.24%</td> <td id="xdx_983_evip--AverageAnnualTotalReturns10YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--VanguardDiversifiedValuePortfolioMember_zUso7l6vj1K2" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">11.76%</td></tr> <tr style="vertical-align: top"> <td id="xdx_989_evip--PortfolioCompanyObjectiveTextBlock_c20260501__20260501__vip--PortfolioCompanyAxis__custom--VanguardEquityIncomePortfolioMember_zRDeUNy2U91b" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Seeks to provide an above-average level of current income and reasonable long-term capital appreciation.</td> <td style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Vanguard® Equity Income Portfolio 5 Vanguard Quantitative Equity Group and Wellington Management Company LLP</td> <td id="xdx_989_evip--CurrentExpensesPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--VanguardEquityIncomePortfolioMember_zAk9pHCDArF8" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">0.29%</td> <td id="xdx_980_evip--AverageAnnualTotalReturns1YearPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--VanguardEquityIncomePortfolioMember_zqAgwdPqiEBf" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">16.80%</td> <td id="xdx_98A_evip--AverageAnnualTotalReturns5YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--VanguardEquityIncomePortfolioMember_zwAJDfT59SX9" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">12.59%</td> <td id="xdx_983_evip--AverageAnnualTotalReturns10YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--VanguardEquityIncomePortfolioMember_zEinIQEW0YC" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">11.52%</td></tr> <tr style="vertical-align: top"> <td id="xdx_984_evip--PortfolioCompanyObjectiveTextBlock_c20260501__20260501__vip--PortfolioCompanyAxis__custom--VanguardEquityIndexPortfolioMember_zhgw3kw97w7a" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Seeks to track the performance of a benchmark index that measures the investment return of large-capitalization stocks.</td> <td style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Vanguard® Equity Index Portfolio 5 Vanguard Global Equity Index Management</td> <td id="xdx_980_evip--CurrentExpensesPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--VanguardEquityIndexPortfolioMember_z4cBhGL2KnYk" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">0.14%</td> <td id="xdx_98D_evip--AverageAnnualTotalReturns1YearPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--VanguardEquityIndexPortfolioMember_z0g7zVWLvMql" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">17.70%</td> <td id="xdx_98E_evip--AverageAnnualTotalReturns5YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--VanguardEquityIndexPortfolioMember_zz5Qfw476Jok" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">14.27%</td> <td id="xdx_98F_evip--AverageAnnualTotalReturns10YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--VanguardEquityIndexPortfolioMember_zKZyind82HZe" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">14.66%</td></tr> <tr style="vertical-align: top"> <td id="xdx_980_evip--PortfolioCompanyObjectiveTextBlock_c20260501__20260501__vip--PortfolioCompanyAxis__custom--VanguardGrowthPortfolioMember_zhTBscNBsJja" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Seeks to provide long-term capital appreciation.</td> <td style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Vanguard® Growth Portfolio 5 Wellington Management Company, LLP</td> <td id="xdx_98C_evip--CurrentExpensesPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--VanguardGrowthPortfolioMember_zTsWBpzP4yqd" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">0.36%</td> <td id="xdx_98C_evip--AverageAnnualTotalReturns1YearPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--VanguardGrowthPortfolioMember_z92PLzM6pdXc" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">16.89%</td> <td id="xdx_983_evip--AverageAnnualTotalReturns5YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--VanguardGrowthPortfolioMember_zfe1wspYEqtj" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">11.36%</td> <td id="xdx_988_evip--AverageAnnualTotalReturns10YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--VanguardGrowthPortfolioMember_zLr9i2h6OHi1" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">15.58%</td></tr> <tr style="vertical-align: top"> <td id="xdx_98F_evip--PortfolioCompanyObjectiveTextBlock_c20260501__20260501__vip--PortfolioCompanyAxis__custom--VanguardHighYieldBondPortfolioMember_zrZhKrvQ138d" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Seeks to provide a high level of current income.</td> <td style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Vanguard® High Yield Bond Portfolio 5 Wellington Management Company, LLP and Vanguard Fixed Income Group</td> <td id="xdx_98E_evip--CurrentExpensesPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--VanguardHighYieldBondPortfolioMember_zROuB2ZC9JB9" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">0.24%</td> <td id="xdx_983_evip--AverageAnnualTotalReturns1YearPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--VanguardHighYieldBondPortfolioMember_ztvhF36H2RL2" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">9.18%</td> <td id="xdx_98F_evip--AverageAnnualTotalReturns5YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--VanguardHighYieldBondPortfolioMember_zW3ss7VIerfi" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">4.05%</td> <td id="xdx_982_evip--AverageAnnualTotalReturns10YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--VanguardHighYieldBondPortfolioMember_zxZhxWGmkVkd" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">5.62%</td></tr> <tr style="vertical-align: top"> <td id="xdx_989_evip--PortfolioCompanyObjectiveTextBlock_c20260501__20260501__vip--PortfolioCompanyAxis__custom--VanguardInternationalPortfolioMember_ziJVXTQHatLb" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Seeks to provide long-term capital appreciation.</td> <td style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Vanguard® International Portfolio 5 Schroder Investment Management North America Inc. and Baillie Gifford Overseas Ltd.</td> <td id="xdx_98B_evip--CurrentExpensesPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--VanguardInternationalPortfolioMember_z6nDTXsrAvUd" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">0.32%</td> <td id="xdx_98D_evip--AverageAnnualTotalReturns1YearPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--VanguardInternationalPortfolioMember_zPT5MXo0VwB1" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">19.97%</td> <td id="xdx_989_evip--AverageAnnualTotalReturns5YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--VanguardInternationalPortfolioMember_zqn1R3RFWf3k" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">0.62%</td> <td id="xdx_98D_evip--AverageAnnualTotalReturns10YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--VanguardInternationalPortfolioMember_zVVOCNBpZhr2" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">10.48%</td></tr> <tr style="vertical-align: top"> <td id="xdx_989_evip--PortfolioCompanyObjectiveTextBlock_c20260501__20260501__vip--PortfolioCompanyAxis__custom--VanguardMidCapIndexlPortfolioMember_zmtKNX0Rebuh" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Seeks to track the performance of a benchmark index that measures the investment return of mid-capitalization stocks.</td> <td style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Vanguard® Mid-Cap Index Portfolio 5 Vanguard Strategic Equity Index Management</td> <td id="xdx_98F_evip--CurrentExpensesPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--VanguardMidCapIndexlPortfolioMember_z4pPBDs6ijBe" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">0.17%</td> <td id="xdx_986_evip--AverageAnnualTotalReturns1YearPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--VanguardMidCapIndexlPortfolioMember_zoMdMaH8m8P1" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">11.54%</td> <td id="xdx_98C_evip--AverageAnnualTotalReturns5YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--VanguardMidCapIndexlPortfolioMember_zdzRW1JnUGck" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">8.46%</td> <td id="xdx_984_evip--AverageAnnualTotalReturns10YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--VanguardMidCapIndexlPortfolioMember_zO5DzoDn7Ixb" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">10.77%</td></tr> <tr style="vertical-align: top"> <td id="xdx_984_evip--PortfolioCompanyObjectiveTextBlock_c20260501__20260501__vip--PortfolioCompanyAxis__custom--VanguardModerateAllocationPortfolioMember_zWuDis3CQXW4" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Seeks to provide capital appreciation and a low to moderate level of current income.</td> <td style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Vanguard® Moderate Allocation Portfolio 5 Vanguard Global Equity Index Management</td> <td id="xdx_98A_evip--CurrentExpensesPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--VanguardModerateAllocationPortfolioMember_zyPRqPuTXhSi" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">0.12%</td> <td id="xdx_987_evip--AverageAnnualTotalReturns1YearPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--VanguardModerateAllocationPortfolioMember_zoXkxLYXKZ9d" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">16.19%</td> <td id="xdx_98C_evip--AverageAnnualTotalReturns5YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--VanguardModerateAllocationPortfolioMember_z3JwkiV7RJE6" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">6.51%</td> <td id="xdx_985_evip--AverageAnnualTotalReturns10YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--VanguardModerateAllocationPortfolioMember_zQteTfRTfQzj" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">8.14%</td></tr> <tr style="vertical-align: top"> <td id="xdx_984_evip--PortfolioCompanyObjectiveTextBlock_c20260501__20260501__vip--PortfolioCompanyAxis__custom--VanguardRealEstateIndexPortfolioMember_zPLpbSsscmvd" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Seeks to provide a high level of income and moderate long-term capital appreciation by tracking the performance of a benchmark index that measures the performance of publicly traded equity REITs and other real estate related investments.</td> <td style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Vanguard® Real Estate Index Portfolio 5 Vanguard Strategic Equity Index Management</td> <td id="xdx_980_evip--CurrentExpensesPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--VanguardRealEstateIndexPortfolioMember_zN0je1Y3dDB8" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">0.26%</td> <td id="xdx_987_evip--AverageAnnualTotalReturns1YearPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--VanguardRealEstateIndexPortfolioMember_zYUAUy5uhtBd" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">3.11%</td> <td id="xdx_989_evip--AverageAnnualTotalReturns5YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--VanguardRealEstateIndexPortfolioMember_z9NnzJXG1kB2" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">4.51%</td> <td id="xdx_981_evip--AverageAnnualTotalReturns10YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--VanguardRealEstateIndexPortfolioMember_zVii4rFyjGVb" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">5.08%</td></tr> <tr style="vertical-align: top"> <td id="xdx_987_evip--PortfolioCompanyObjectiveTextBlock_c20260501__20260501__vip--PortfolioCompanyAxis__custom--VanguardShortTermInvestmentGradePortfolioMember_zIoPSVxUTII5" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Seeks to provide current income with limited price volatility.</td> <td style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Vanguard® Short-Term Investment-Grade Portfolio 5 Vanguard Fixed Income Group</td> <td id="xdx_983_evip--CurrentExpensesPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--VanguardShortTermInvestmentGradePortfolioMember_zXlypSgwMUig" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">0.14%</td> <td id="xdx_986_evip--AverageAnnualTotalReturns1YearPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--VanguardShortTermInvestmentGradePortfolioMember_zCwyIbjZDT3k" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">6.85%</td> <td id="xdx_987_evip--AverageAnnualTotalReturns5YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--VanguardShortTermInvestmentGradePortfolioMember_zaWpAjJ5NvYl" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">2.23%</td> <td id="xdx_98B_evip--AverageAnnualTotalReturns10YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--VanguardShortTermInvestmentGradePortfolioMember_zgiA2mhXyiPc" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">2.81%</td></tr> <tr style="vertical-align: top"> <td id="xdx_98B_evip--PortfolioCompanyObjectiveTextBlock_c20260501__20260501__vip--PortfolioCompanyAxis__custom--VanguardTotalBondMarketIndexPortfolioMember_zMoXBq7E8wf2" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Seeks to track the performance of a broad, market-weighted bond index.</td> <td style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Vanguard® Total Bond Market Index Portfolio 5 Vanguard Fixed Income Group</td> <td id="xdx_98F_evip--CurrentExpensesPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--VanguardTotalBondMarketIndexPortfolioMember_zfAVclgO94E3" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">0.14%</td> <td id="xdx_987_evip--AverageAnnualTotalReturns1YearPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--VanguardTotalBondMarketIndexPortfolioMember_z4HpJ8Opj0Ok" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">6.94%</td> <td id="xdx_989_evip--AverageAnnualTotalReturns5YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--VanguardTotalBondMarketIndexPortfolioMember_zYel2Oapcnk5" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">-0.51%</td> <td id="xdx_986_evip--AverageAnnualTotalReturns10YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--VanguardTotalBondMarketIndexPortfolioMember_zTROkyGRFW58" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">1.90%</td></tr> <tr style="vertical-align: top"> <td id="xdx_98D_evip--PortfolioCompanyObjectiveTextBlock_c20260501__20260501__vip--PortfolioCompanyAxis__custom--VanguardTotalInternationalStockMarketIndexPortfolioMember_zWF2kad8wO2" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Seeks to track the performance of a benchmark index that measures the investment return of stocks issued by companies located in developed and emerging markets, excluding the United States.</td> <td style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Vanguard® Total International Stock Market Index Portfolio 5 Vanguard Global Equity Index Management</td> <td id="xdx_98B_evip--CurrentExpensesPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--VanguardTotalInternationalStockMarketIndexPortfolioMember_z7OXvSKppF41" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">0.09%</td> <td id="xdx_988_evip--AverageAnnualTotalReturns1YearPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--VanguardTotalInternationalStockMarketIndexPortfolioMember_zzbyEEebs7kg" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">32.04%</td> <td id="xdx_984_evip--AverageAnnualTotalReturns5YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--VanguardTotalInternationalStockMarketIndexPortfolioMember_zsXaoJ7nOFjb" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">7.88%</td> <td style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%"> </td></tr> <tr style="vertical-align: top"> <td id="xdx_982_evip--PortfolioCompanyObjectiveTextBlock_c20260501__20260501__vip--PortfolioCompanyAxis__custom--VanguardTotalStockMarketIndexPortfolioMember_z6xJlDozHUZi" style="border: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Seeks to track the performance of a benchmark index that measures the investment return of the overall stock market.</td> <td style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Vanguard® Total Stock Market Index Portfolio 5 Vanguard Global Equity Index Management</td> <td id="xdx_98C_evip--CurrentExpensesPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--VanguardTotalStockMarketIndexPortfolioMember_zFPPrweKil7f" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">0.13%</td> <td id="xdx_982_evip--AverageAnnualTotalReturns1YearPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--VanguardTotalStockMarketIndexPortfolioMember_zQZzZIu7pp57" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">16.93%</td> <td id="xdx_982_evip--AverageAnnualTotalReturns5YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--VanguardTotalStockMarketIndexPortfolioMember_zQioe86MPt6h" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">12.98%</td> <td id="xdx_985_evip--AverageAnnualTotalReturns10YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--VanguardTotalStockMarketIndexPortfolioMember_z68yu1kPczGc" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">14.10%</td></tr> </table> <table cellpadding="0" cellspacing="0" style="font: 10pt/90% Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse"> <tr style="vertical-align: top; background-color: white"> <td style="border-top: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; width: 5%; padding-right: 1.45pt; padding-left: 1.45pt">*</td> <td style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; width: 95%; padding-right: 1.45pt; padding-left: 1.45pt">Current Expenses take into account expense reimbursement or fee waiver arrangements in place and reflect temporary fee reductions under such an arrangement.</td></tr> <tr style="vertical-align: top; background-color: white"> <td style="border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt">1</td> <td style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt">Ameritas Investment Partners, Inc. is an affiliate of Ameritas Life.</td></tr> <tr style="vertical-align: top"> <td style="border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt">2</td> <td style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; background-color: white; padding-right: 1.45pt; padding-left: 1.45pt">FIDELITY, Contrafund and Equity-Income are registered service marks of FMR LLC. Used with permission.</td></tr> <tr style="vertical-align: top; background-color: white"> <td style="border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt">3</td> <td style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt">"Standard & Poor's®," "S&P®," "S&P 500®," "Standard & Poor's 500," and "500" are trademarks of The McGraw-Hill Companies, Inc. and have been licensed for use by us. The Product is not sponsored, endorsed, sold or promoted by Standard & Poor's® and Standard & Poor's® makes no representation regarding the advisability of investing in the Product. The Statement of Additional Information sets forth certain additional disclaimers and limitations of liabilities on behalf of Standard & Poor's® as set forth in the Licensing Agreement between us and Standard & Poor's®.</td></tr> <tr style="vertical-align: top; background-color: white"> <td style="border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt">4</td> <td style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt">You could lose money by investing in the Fund. Although the Fund seeks to preserve the value of your investment at $1.00 per share, it cannot guarantee it will do so. An investment in the Fund is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. The Fund's sponsor has no legal obligation to provide financial support to the Fund, and you should not expect that the sponsor will provide financial support to the Fund at any time.</td></tr> <tr style="vertical-align: top"> <td style="border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt">5</td> <td style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt">Vanguard is a trademark of The Vanguard Group, Inc.</td></tr> </table> The following is a list of Portfolio Companies available under the Policy. More information about the Portfolio Companies is available in the prospectuses for the Portfolio Companies, which may be amended from time to time and can be found online at ameritas.com/investments/fund-prospectuses. You can also request this information at no cost by calling 800-255-9678 or by sending an email request to alictd@ameritas.com. The current expenses and performance information below reflects fees and expenses of the Portfolio Companies, but do not reflect the other fees and expenses that your Policy may charge. Expenses would be higher and performance would be lower if these other charges were included. Each Portfolio Company's past performance is not necessarily an indication of future performance. <table cellpadding="0" cellspacing="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse"> <tr style="vertical-align: bottom; background-color: #D9D9D9"> <td rowspan="2" style="border: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">Type / Investment Objective</td> <td rowspan="2" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">Portfolio Company and Adviser / Subadviser(s)</td> <td rowspan="2" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">Current Expenses</td> <td colspan="3" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">Average Annual Total Returns as of 12/31/2025</td></tr> <tr style="background-color: #D9D9D9"> <td style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">1 year</td> <td style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">5 year</td> <td style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">10 year</td></tr> <tr style="vertical-align: top"> <td id="xdx_984_evip--PortfolioCompanyObjectiveTextBlock_c20260501__20260501__vip--PortfolioCompanyAxis__custom--AmericanFundsISAmericanHighIncomeTrustClass1Member_z6v7UhBJLdn1" style="border-right: Black 1pt solid; border-left: Black 1pt solid; width: 32%; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">The fund’s primary investment objective is to provide you with a high level of current income. Its secondary investment objective is capital appreciation. </td> <td style="border-right: Black 1pt solid; width: 39%; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">American Funds® IS American High-Income Trust, Class 1 Capital Research and Management Company (SM)</td> <td id="xdx_985_evip--CurrentExpensesPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--AmericanFundsISAmericanHighIncomeTrustClass1Member_fKg_____zkcr4xCxdsOb" style="border-right: Black 1pt solid; width: 9%; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">0.37%*</td> <td id="xdx_982_evip--AverageAnnualTotalReturns1YearPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--AmericanFundsISAmericanHighIncomeTrustClass1Member_zrCNhf2qfE56" style="border-right: Black 1pt solid; width: 7%; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">8.52%</td> <td id="xdx_982_evip--AverageAnnualTotalReturns5YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--AmericanFundsISAmericanHighIncomeTrustClass1Member_zBqWLVh3sid2" style="border-right: Black 1pt solid; width: 7%; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">5.87%</td> <td id="xdx_988_evip--AverageAnnualTotalReturns10YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--AmericanFundsISAmericanHighIncomeTrustClass1Member_zwIuFhH8U1I7" style="border-right: Black 1pt solid; width: 6%; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">7.22%</td></tr> <tr style="vertical-align: top"> <td id="xdx_980_evip--PortfolioCompanyObjectiveTextBlock_c20260501__20260501__vip--PortfolioCompanyAxis__custom--AmericanFundsISGrowthFundClass1Member_zl7G8pJvQpU6" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Seeks to provide growth of capital.</td> <td style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">American Funds® IS Growth Fund, Class 1 Capital Research and Management Company (SM)</td> <td id="xdx_983_evip--CurrentExpensesPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--AmericanFundsISGrowthFundClass1Member_zxNVjFv0EtMd" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">0.33%</td> <td id="xdx_987_evip--AverageAnnualTotalReturns1YearPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--AmericanFundsISGrowthFundClass1Member_z8Cr1vqMs9ml" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">20.54%</td> <td id="xdx_98F_evip--AverageAnnualTotalReturns5YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--AmericanFundsISGrowthFundClass1Member_zbXeeAPcjiDb" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">13.66%</td> <td id="xdx_985_evip--AverageAnnualTotalReturns10YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--AmericanFundsISGrowthFundClass1Member_zE5hbqm1wrW9" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">18.26%</td></tr> <tr style="vertical-align: top"> <td id="xdx_989_evip--PortfolioCompanyObjectiveTextBlock_c20260501__20260501__vip--PortfolioCompanyAxis__custom--AmericanFundsISGrowthIncomeFundClass1Member_zlMP6IXY4Gf3" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Seeks to achieve long-term growth of capital and income.</td> <td style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">American Funds® IS Growth-Income Fund, Class 1 Capital Research and Management Company (SM)</td> <td id="xdx_987_evip--CurrentExpensesPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--AmericanFundsISGrowthIncomeFundClass1Member_zxW1x1s45y84" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">0.28%</td> <td id="xdx_98A_evip--AverageAnnualTotalReturns1YearPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--AmericanFundsISGrowthIncomeFundClass1Member_zjPZjejKtY7l" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">18.37%</td> <td id="xdx_98E_evip--AverageAnnualTotalReturns5YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--AmericanFundsISGrowthIncomeFundClass1Member_zFsW186TF4Rd" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">14.19%</td> <td id="xdx_980_evip--AverageAnnualTotalReturns10YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--AmericanFundsISGrowthIncomeFundClass1Member_zFlxkUDkitM4" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">14.20%</td></tr> <tr style="vertical-align: top"> <td id="xdx_985_evip--PortfolioCompanyObjectiveTextBlock_c20260501__20260501__vip--PortfolioCompanyAxis__custom--AmericanFundsISNewWorldFundClass1Member_zjWS7FrjK5Sg" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Seeks to provide long-term capital appreciation.</td> <td style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">American Funds® IS New World Fund, Class 1 Capital Research and Management Company (SM)</td> <td id="xdx_98B_evip--CurrentExpensesPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--AmericanFundsISNewWorldFundClass1Member_fKg_____zq8qQJ9713Ml" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">0.57%*</td> <td id="xdx_987_evip--AverageAnnualTotalReturns1YearPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--AmericanFundsISNewWorldFundClass1Member_z3XM5z8Y4fz9" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">28.60%</td> <td id="xdx_989_evip--AverageAnnualTotalReturns5YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--AmericanFundsISNewWorldFundClass1Member_zJyfJmIPP6X8" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">5.59%</td> <td id="xdx_98B_evip--AverageAnnualTotalReturns10YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--AmericanFundsISNewWorldFundClass1Member_zxJ0U5sISwBi" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">9.53%</td></tr> <tr style="vertical-align: top"> <td id="xdx_982_evip--PortfolioCompanyObjectiveTextBlock_c20260501__20260501__vip--PortfolioCompanyAxis__custom--AmericanFundsISTheBondFundOfAmericaClass1Member_zOGVcrhLGLub" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">The fund’s investment objective is to provide as high a level of current income as is consistent with the preservation of capital.</td> <td style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">American Funds® IS The Bond Fund of America, Class 1 Capital Research and Management Company (SM)</td> <td id="xdx_985_evip--CurrentExpensesPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--AmericanFundsISTheBondFundOfAmericaClass1Member_fKg_____zDlgrAvFjiae" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">0.22%*</td> <td id="xdx_98D_evip--AverageAnnualTotalReturns1YearPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--AmericanFundsISTheBondFundOfAmericaClass1Member_zfbjIUKbgXCi" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">7.40%</td> <td id="xdx_988_evip--AverageAnnualTotalReturns5YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--AmericanFundsISTheBondFundOfAmericaClass1Member_zaydqvac6S56" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">0.10%</td> <td id="xdx_98E_evip--AverageAnnualTotalReturns10YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--AmericanFundsISTheBondFundOfAmericaClass1Member_zwEotJhl5sN4" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">2.61%</td></tr> <tr style="vertical-align: top"> <td id="xdx_98C_evip--PortfolioCompanyObjectiveTextBlock_c20260501__20260501__vip--PortfolioCompanyAxis__custom--AmericanFundsISWashingtonMutualInvestorsFundClass1Member_zZuHPzu9Ho94" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Seeks to produce income and to provide an opportunity for growth of principal consistent with sound common stock investing.</td> <td style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">American Funds® IS Washington Mutual Investors Fund, Class 1 Capital Research and Management Company (SM)</td> <td id="xdx_984_evip--CurrentExpensesPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--AmericanFundsISWashingtonMutualInvestorsFundClass1Member_fKg_____zWd06JuVKU45" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">0.25%*</td> <td id="xdx_98D_evip--AverageAnnualTotalReturns1YearPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--AmericanFundsISWashingtonMutualInvestorsFundClass1Member_z4BJucXg69B7" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">17.50%</td> <td id="xdx_98F_evip--AverageAnnualTotalReturns5YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--AmericanFundsISWashingtonMutualInvestorsFundClass1Member_zamdmlV1uoNa" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">14.17%</td> <td id="xdx_982_evip--AverageAnnualTotalReturns10YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--AmericanFundsISWashingtonMutualInvestorsFundClass1Member_zk70YybDdEz7" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">12.65%</td></tr> <tr style="vertical-align: top"> <td id="xdx_982_evip--PortfolioCompanyObjectiveTextBlock_c20260501__20260501__vip--PortfolioCompanyAxis__custom--CalvertVPSriBalancedPortfolioClassIMember_z9Vez4XeS8kj" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Total return.</td> <td style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Calvert VP SRI Balanced Portfolio, Class I Calvert Research and Management</td> <td id="xdx_98E_evip--CurrentExpensesPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--CalvertVPSriBalancedPortfolioClassIMember_zZZKPneTqxkl" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">0.65%</td> <td id="xdx_988_evip--AverageAnnualTotalReturns1YearPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--CalvertVPSriBalancedPortfolioClassIMember_zXVPXgVhcOA3" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">11.48%</td> <td id="xdx_98B_evip--AverageAnnualTotalReturns5YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--CalvertVPSriBalancedPortfolioClassIMember_zvTjMu6HXC2a" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">8.68%</td> <td id="xdx_98E_evip--AverageAnnualTotalReturns10YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--CalvertVPSriBalancedPortfolioClassIMember_zMD0lQGiGDp4" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">9.81%</td></tr> <tr style="vertical-align: top"> <td id="xdx_981_evip--PortfolioCompanyObjectiveTextBlock_c20260501__20260501__vip--PortfolioCompanyAxis__custom--ColumbiaVPSmallCapValueDiscoveryFundClass1Member_zFqfTxVhUzAh" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Long-term capital appreciation.</td> <td style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Columbia Variable Portfolio - Small Cap Value Discovery Fund, Class 1 (named Columbia Variable Portfolio - Small Cap Value Fund, Class 1 prior to 5/1/26) Columbia Management Investment Advisers, LLC</td> <td id="xdx_989_evip--CurrentExpensesPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--ColumbiaVPSmallCapValueDiscoveryFundClass1Member_fKg_____ziLZVH3DJKN8" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">0.88%*</td> <td id="xdx_984_evip--AverageAnnualTotalReturns1YearPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--ColumbiaVPSmallCapValueDiscoveryFundClass1Member_zlu9QpE0eBXg" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">14.99%</td> <td id="xdx_98F_evip--AverageAnnualTotalReturns5YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--ColumbiaVPSmallCapValueDiscoveryFundClass1Member_zIV018sw648e" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">12.48%</td> <td id="xdx_987_evip--AverageAnnualTotalReturns10YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--ColumbiaVPSmallCapValueDiscoveryFundClass1Member_zBgW0Z3xir9b" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">11.48%</td></tr> <tr style="vertical-align: top"> <td id="xdx_983_evip--PortfolioCompanyObjectiveTextBlock_c20260501__20260501__vip--PortfolioCompanyAxis__custom--CVTNasdaq100IndexPortfolioClassIMember_zr1xTIurN2Kf" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Investing to correspond with the returns of the NASDAQ 100 Index.</td> <td style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">CVT Nasdaq 100 Index Portfolio, Class I Calvert Research and Management / Ameritas Investment Partners, Inc. 1</td> <td id="xdx_980_evip--CurrentExpensesPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--CVTNasdaq100IndexPortfolioClassIMember_fKg_____znmOu3joPUuk" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">0.49%*</td> <td id="xdx_980_evip--AverageAnnualTotalReturns1YearPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--CVTNasdaq100IndexPortfolioClassIMember_zyxKcqP7SNef" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">20.39%</td> <td id="xdx_987_evip--AverageAnnualTotalReturns5YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--CVTNasdaq100IndexPortfolioClassIMember_zsOBnJmCJUS" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">14.73%</td> <td id="xdx_988_evip--AverageAnnualTotalReturns10YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--CVTNasdaq100IndexPortfolioClassIMember_zQ1C8JZDlmF6" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">19.09%</td></tr> <tr style="vertical-align: top"> <td id="xdx_98D_evip--PortfolioCompanyObjectiveTextBlock_c20260501__20260501__vip--PortfolioCompanyAxis__custom--CVTRussell2000SmallCapIndexPortfolioClassIMember_zHCmXbgNrf5d" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Investing to correspond with the returns of the Russell 2000 Index.</td> <td style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">CVT Russell 2000 Small Cap Index Portfolio, Class I Calvert Research and Management / Ameritas Investment Partners, Inc. 1</td> <td id="xdx_986_evip--CurrentExpensesPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--CVTRussell2000SmallCapIndexPortfolioClassIMember_fKg_____z6I2aXJ0SeO" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">0.40%*</td> <td id="xdx_987_evip--AverageAnnualTotalReturns1YearPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--CVTRussell2000SmallCapIndexPortfolioClassIMember_zeMDAEbcV5Fh" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">12.45%</td> <td id="xdx_984_evip--AverageAnnualTotalReturns5YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--CVTRussell2000SmallCapIndexPortfolioClassIMember_zUnUGEwYH6Lj" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">5.83%</td> <td id="xdx_987_evip--AverageAnnualTotalReturns10YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--CVTRussell2000SmallCapIndexPortfolioClassIMember_zzkL8co3oW0l" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">9.32%</td></tr> <tr style="vertical-align: top"> <td id="xdx_983_evip--PortfolioCompanyObjectiveTextBlock_c20260501__20260501__vip--PortfolioCompanyAxis__custom--DFAVAGlobalModerateAllocationPortfolioMember_zERFjaZ5aAA1" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">To seek total return consisting of capital appreciation and current income.</td> <td style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">DFA VA Global Moderate Allocation Portfolio Dimensional Fund Advisors LP</td> <td id="xdx_980_evip--CurrentExpensesPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--DFAVAGlobalModerateAllocationPortfolioMember_fKg_____zQlH4mMTC9m6" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">0.28%*</td> <td id="xdx_98D_evip--AverageAnnualTotalReturns1YearPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--DFAVAGlobalModerateAllocationPortfolioMember_zD8EM8qNsdKb" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">14.68%</td> <td id="xdx_98A_evip--AverageAnnualTotalReturns5YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--DFAVAGlobalModerateAllocationPortfolioMember_zY4Klmkfpla3" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">8.42%</td> <td id="xdx_98F_evip--AverageAnnualTotalReturns10YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--DFAVAGlobalModerateAllocationPortfolioMember_zAHeZqiinBz4" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">8.65%</td></tr> <tr style="vertical-align: top"> <td id="xdx_986_evip--PortfolioCompanyObjectiveTextBlock_c20260501__20260501__vip--PortfolioCompanyAxis__custom--DFAVAInternationalSmallPortfolioMember_zOdl2HOo7rH3" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">To achieve long-term capital appreciation.</td> <td style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">DFA VA International Small Portfolio Dimensional Fund Advisors LP / Dimensional Fund Advisors Ltd. and DFA Australia Limited</td> <td id="xdx_987_evip--CurrentExpensesPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--DFAVAInternationalSmallPortfolioMember_zJ5IUQ1yW7gk" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">0.39%</td> <td id="xdx_989_evip--AverageAnnualTotalReturns1YearPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--DFAVAInternationalSmallPortfolioMember_z3Jyc03GLJf7" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">36.99%</td> <td id="xdx_986_evip--AverageAnnualTotalReturns5YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--DFAVAInternationalSmallPortfolioMember_z0Ofw7LSkrPj" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">8.89%</td> <td id="xdx_984_evip--AverageAnnualTotalReturns10YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--DFAVAInternationalSmallPortfolioMember_zAz5RRx6ffbc" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">8.68%</td></tr> <tr style="vertical-align: top"> <td id="xdx_98F_evip--PortfolioCompanyObjectiveTextBlock_c20260501__20260501__vip--PortfolioCompanyAxis__custom--DFAVAInternationalValuePortfolioMember_zvM1LXTNkD1f" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">To achieve long-term capital appreciation.</td> <td style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">DFA VA International Value Portfolio Dimensional Fund Advisors LP / Dimensional Fund Advisors Ltd. and DFA Australia Limited</td> <td id="xdx_98C_evip--CurrentExpensesPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--DFAVAInternationalValuePortfolioMember_zNNUn7UdBVQ1" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">0.27%</td> <td id="xdx_98C_evip--AverageAnnualTotalReturns1YearPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--DFAVAInternationalValuePortfolioMember_zbAf7pmR74dj" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">45.64%</td> <td id="xdx_98C_evip--AverageAnnualTotalReturns5YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--DFAVAInternationalValuePortfolioMember_zsIPihsNkjL" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">15.85%</td> <td id="xdx_988_evip--AverageAnnualTotalReturns10YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--DFAVAInternationalValuePortfolioMember_zXDvdTFIKhGk" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">10.46%</td></tr> <tr style="vertical-align: top"> <td id="xdx_98F_evip--PortfolioCompanyObjectiveTextBlock_c20260501__20260501__vip--PortfolioCompanyAxis__custom--DWSAlternativeAssetAllocationVIPClassAMember_zH4JX5ZeDiCi" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Capital appreciation.</td> <td style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">DWS Alternative Asset Allocation VIP, Class A DWS Investment Management Americas, Inc. / RREEF America L.L.C.</td> <td id="xdx_986_evip--CurrentExpensesPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--DWSAlternativeAssetAllocationVIPClassAMember_zZNzBGxjhVT" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">0.93%</td> <td id="xdx_98F_evip--AverageAnnualTotalReturns1YearPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--DWSAlternativeAssetAllocationVIPClassAMember_z8Ud89motwQ1" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">10.50%</td> <td id="xdx_98B_evip--AverageAnnualTotalReturns5YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--DWSAlternativeAssetAllocationVIPClassAMember_zjZmnsTiCdh3" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">5.29%</td> <td id="xdx_982_evip--AverageAnnualTotalReturns10YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--DWSAlternativeAssetAllocationVIPClassAMember_z5IWSQX6t1td" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">4.89%</td></tr> <tr style="vertical-align: top"> <td id="xdx_98C_evip--PortfolioCompanyObjectiveTextBlock_c20260501__20260501__vip--PortfolioCompanyAxis__custom--DWSCapitalGrowthVIPClassAMember_zBc6KO6MEfMa" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Long-term growth of capital.</td> <td style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">DWS Capital Growth VIP, Class A DWS Investment Management Americas, Inc.</td> <td id="xdx_98D_evip--CurrentExpensesPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--DWSCapitalGrowthVIPClassAMember_zPII8WjDtA3l" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">0.49%</td> <td id="xdx_984_evip--AverageAnnualTotalReturns1YearPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--DWSCapitalGrowthVIPClassAMember_zVsdSmCie1t7" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">12.53%</td> <td id="xdx_983_evip--AverageAnnualTotalReturns5YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--DWSCapitalGrowthVIPClassAMember_zG95VD5loYCk" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">10.92%</td> <td id="xdx_989_evip--AverageAnnualTotalReturns10YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--DWSCapitalGrowthVIPClassAMember_zJipm4gwB792" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">15.29%</td></tr> <tr style="vertical-align: top"> <td id="xdx_98F_evip--PortfolioCompanyObjectiveTextBlock_c20260501__20260501__vip--PortfolioCompanyAxis__custom--FidelityVIPEmergingMarketsPortfolioInitialClassMember_zS6WH66jEdKj" style="border: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Seeks capital appreciation.</td> <td style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Fidelity® VIP Emerging Markets Portfolio, Initial Class 2 Fidelity Management & Research Company LLC / Other investment advisers serve as sub-advisers for the fund.</td> <td id="xdx_98B_evip--CurrentExpensesPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--FidelityVIPEmergingMarketsPortfolioInitialClassMember_zmDvEAQI7Lpe" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">0.87%</td> <td id="xdx_981_evip--AverageAnnualTotalReturns1YearPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--FidelityVIPEmergingMarketsPortfolioInitialClassMember_zQ2Qsnw6WN2i" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">41.20%</td> <td id="xdx_985_evip--AverageAnnualTotalReturns5YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--FidelityVIPEmergingMarketsPortfolioInitialClassMember_zCYS97uQAqOb" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">5.88%</td> <td id="xdx_983_evip--AverageAnnualTotalReturns10YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--FidelityVIPEmergingMarketsPortfolioInitialClassMember_zRZqUZB3HqH6" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">10.93%</td></tr> <tr style="vertical-align: top"> <td id="xdx_989_evip--PortfolioCompanyObjectiveTextBlock_c20260501__20260501__vip--PortfolioCompanyAxis__custom--FidelityVIPEquityIncomePortfolioInitialClassMember_fMw_____ziOqzmrmdhT" style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Seeks reasonable income. The fund will also consider 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. 3</td> <td style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Fidelity® VIP Equity-Income Portfolio SM, Initial Class 2 Fidelity Management & Research Company LLC / Other investment advisers serve as sub-advisers for the fund.</td> <td id="xdx_989_evip--CurrentExpensesPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--FidelityVIPEquityIncomePortfolioInitialClassMember_zJbqbE3A87tj" style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">0.46%</td> <td id="xdx_982_evip--AverageAnnualTotalReturns1YearPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--FidelityVIPEquityIncomePortfolioInitialClassMember_zIyN3tGd3Otd" style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">19.02%</td> <td id="xdx_98A_evip--AverageAnnualTotalReturns5YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--FidelityVIPEquityIncomePortfolioInitialClassMember_zdS0mjxzrLH9" style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">12.51%</td> <td id="xdx_988_evip--AverageAnnualTotalReturns10YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--FidelityVIPEquityIncomePortfolioInitialClassMember_zH8yqQnFzTqd" style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">11.60%</td></tr> <tr style="vertical-align: top"> <td id="xdx_98D_evip--PortfolioCompanyObjectiveTextBlock_c20260501__20260501__vip--PortfolioCompanyAxis__custom--FidelityVIPGovernmentMoneyMarketPortfolioInitialClassMember_zV1sOiX9Tz2e" style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Seeks as high a level of current income as is consistent with preservation of capital and liquidity.</td> <td style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Fidelity® VIP Government Money Market Portfolio, Initial Class 2,4 Fidelity Management & Research Company LLC / Other investment advisers serve as sub-advisers for the fund.</td> <td id="xdx_982_evip--CurrentExpensesPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--FidelityVIPGovernmentMoneyMarketPortfolioInitialClassMember_zyswEBp1YThg" style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">0.25%</td> <td id="xdx_98E_evip--AverageAnnualTotalReturns1YearPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--FidelityVIPGovernmentMoneyMarketPortfolioInitialClassMember_zqhNp17SROm6" style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">4.13%</td> <td id="xdx_98F_evip--AverageAnnualTotalReturns5YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--FidelityVIPGovernmentMoneyMarketPortfolioInitialClassMember_znUC5OFOUun2" style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">3.10%</td> <td id="xdx_980_evip--AverageAnnualTotalReturns10YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--FidelityVIPGovernmentMoneyMarketPortfolioInitialClassMember_z9GiEoSnVO9a" style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">2.03%</td></tr> </table> <table cellpadding="0" cellspacing="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse"> <tr style="vertical-align: bottom; background-color: #D9D9D9"> <td rowspan="2" style="border: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">Type / Investment Objective</td> <td rowspan="2" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">Portfolio Company and Adviser / Subadviser(s)</td> <td rowspan="2" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">Current Expenses</td> <td colspan="3" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">Average Annual Total Returns as of 12/31/2025</td></tr> <tr style="background-color: #D9D9D9"> <td style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">1 year</td> <td style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">5 year</td> <td style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">10 year</td></tr> <tr style="vertical-align: top"> <td id="xdx_983_evip--PortfolioCompanyObjectiveTextBlock_c20260501__20260501__vip--PortfolioCompanyAxis__custom--FidelityVIPGrowthPortfolioInitialClassMember_zpFlTT1zwodi" style="border-right: Black 1pt solid; border-left: Black 1pt solid; width: 32%; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Seeks to achieve capital appreciation.</td> <td style="border-right: Black 1pt solid; width: 39%; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Fidelity® VIP Growth Portfolio, Initial Class 2 Fidelity Management & Research Company LLC / Other investment advisers serve as sub-advisers for the fund.</td> <td id="xdx_98D_evip--CurrentExpensesPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--FidelityVIPGrowthPortfolioInitialClassMember_zLtru1AfESI5" style="border-right: Black 1pt solid; width: 9%; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">0.55%</td> <td id="xdx_982_evip--AverageAnnualTotalReturns1YearPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--FidelityVIPGrowthPortfolioInitialClassMember_zhg3ZeAeQJWc" style="border-right: Black 1pt solid; width: 7%; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">14.92%</td> <td id="xdx_989_evip--AverageAnnualTotalReturns5YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--FidelityVIPGrowthPortfolioInitialClassMember_zSPbREjaPdEf" style="border-right: Black 1pt solid; width: 7%; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">13.70%</td> <td id="xdx_983_evip--AverageAnnualTotalReturns10YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--FidelityVIPGrowthPortfolioInitialClassMember_zIsK02MPW4Yj" style="border-right: Black 1pt solid; width: 6%; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">17.45%</td></tr> <tr style="vertical-align: top"> <td id="xdx_98D_evip--PortfolioCompanyObjectiveTextBlock_c20260501__20260501__vip--PortfolioCompanyAxis__custom--FidelityVIPInternationalCapitalAppreciationPortInitialClassMember_zrkJvK8R3OE" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Seeks capital appreciation.</td> <td style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Fidelity® VIP International Capital Appreciation Portfolio, Initial Class 2 Fidelity Management & Research Company LLC / Other investment advisers serve as sub-advisers for the fund.</td> <td id="xdx_98F_evip--CurrentExpensesPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--FidelityVIPInternationalCapitalAppreciationPortInitialClassMember_zEertsvEqfea" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">0.78%</td> <td id="xdx_98E_evip--AverageAnnualTotalReturns1YearPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--FidelityVIPInternationalCapitalAppreciationPortInitialClassMember_zK3RxCwYtH1j" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">18.69%</td> <td id="xdx_98B_evip--AverageAnnualTotalReturns5YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--FidelityVIPInternationalCapitalAppreciationPortInitialClassMember_zSA5n1i52Co" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">6.26%</td> <td id="xdx_986_evip--AverageAnnualTotalReturns10YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--FidelityVIPInternationalCapitalAppreciationPortInitialClassMember_zgygO6vbLCU4" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">9.81%</td></tr> <tr style="vertical-align: top"> <td id="xdx_98E_evip--PortfolioCompanyObjectiveTextBlock_c20260501__20260501__vip--PortfolioCompanyAxis__custom--FidelityVIPInvestmentGradeBondPortfolioInitialClassMember_z5sM8Y0a9Bgf" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Seeks as high a level of current income as is consistent with the preservation of capital. </td> <td style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Fidelity® VIP Investment Grade Bond Portfolio, Initial Class 2 Fidelity Management & Research Company LLC / Other investment advisers serve as sub-advisers for the fund.</td> <td id="xdx_984_evip--CurrentExpensesPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--FidelityVIPInvestmentGradeBondPortfolioInitialClassMember_zvOstItdkSMf" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">0.37%</td> <td id="xdx_98F_evip--AverageAnnualTotalReturns1YearPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--FidelityVIPInvestmentGradeBondPortfolioInitialClassMember_zhWlIopS78Z4" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">7.22%</td> <td id="xdx_984_evip--AverageAnnualTotalReturns5YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--FidelityVIPInvestmentGradeBondPortfolioInitialClassMember_zr6fnOey3vy9" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">0.06%</td> <td id="xdx_980_evip--AverageAnnualTotalReturns10YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--FidelityVIPInvestmentGradeBondPortfolioInitialClassMember_zJ5YTlXz98Ci" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">2.71%</td></tr> <tr style="vertical-align: top"> <td id="xdx_980_evip--PortfolioCompanyObjectiveTextBlock_c20260501__20260501__vip--PortfolioCompanyAxis__custom--FidelityVIPMidCapPortfolioInitialClassMember_zl0bapssrjyj" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Seeks long-term growth of capital.</td> <td style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Fidelity® VIP Mid Cap Portfolio, Initial Class 2 Fidelity Management & Research Company LLC / Other investment advisers serve as sub-advisers for the fund.</td> <td id="xdx_985_evip--CurrentExpensesPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--FidelityVIPMidCapPortfolioInitialClassMember_zvv7NvpxJ5sd" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">0.55%</td> <td id="xdx_98F_evip--AverageAnnualTotalReturns1YearPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--FidelityVIPMidCapPortfolioInitialClassMember_zYD3tth6BZ9" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">11.75%</td> <td id="xdx_984_evip--AverageAnnualTotalReturns5YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--FidelityVIPMidCapPortfolioInitialClassMember_zQh29ppFx1m8" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">10.10%</td> <td id="xdx_981_evip--AverageAnnualTotalReturns10YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--FidelityVIPMidCapPortfolioInitialClassMember_ze0q7yzE5x2i" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">10.59%</td></tr> <tr style="vertical-align: top"> <td id="xdx_98E_evip--PortfolioCompanyObjectiveTextBlock_c20260501__20260501__vip--PortfolioCompanyAxis__custom--FidelityVIPStrategicIncomePortfolioInitialClassMember_zoXOv6ubGyN1" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Seeks a high level of current income. The fund may also seek capital appreciation.</td> <td style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Fidelity® VIP Strategic Income Portfolio, Initial Class 2 Fidelity Management & Research Company LLC / Other investment advisers serve as sub-advisers for the fund.</td> <td id="xdx_98F_evip--CurrentExpensesPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--FidelityVIPStrategicIncomePortfolioInitialClassMember_zKZdZWFoFOKg" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">0.63%</td> <td id="xdx_98F_evip--AverageAnnualTotalReturns1YearPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--FidelityVIPStrategicIncomePortfolioInitialClassMember_zqB6LMWHJwm3" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">8.85%</td> <td id="xdx_98A_evip--AverageAnnualTotalReturns5YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--FidelityVIPStrategicIncomePortfolioInitialClassMember_zoNXsPffpaS4" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">3.07%</td> <td id="xdx_981_evip--AverageAnnualTotalReturns10YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--FidelityVIPStrategicIncomePortfolioInitialClassMember_zOeBX5JwItEb" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">4.66%</td></tr> <tr style="vertical-align: top"> <td id="xdx_98E_evip--PortfolioCompanyObjectiveTextBlock_c20260501__20260501__vip--PortfolioCompanyAxis__custom--FidelityVIPTechnologyPortfolioInitialClassMember_zAZlYfG5HvWh" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Seeks capital appreciation.</td> <td style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Fidelity® VIP Technology Portfolio, Initial Class 2 Fidelity Management & Research Company LLC / Other investment advisers serve as sub-advisers for the fund.</td> <td id="xdx_982_evip--CurrentExpensesPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--FidelityVIPTechnologyPortfolioInitialClassMember_zJrKjg311PFl" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">0.56%</td> <td id="xdx_982_evip--AverageAnnualTotalReturns1YearPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--FidelityVIPTechnologyPortfolioInitialClassMember_zl2abmBXyEm4" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">23.36%</td> <td id="xdx_987_evip--AverageAnnualTotalReturns5YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--FidelityVIPTechnologyPortfolioInitialClassMember_zFrOLFiUwAac" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">16.83%</td> <td id="xdx_986_evip--AverageAnnualTotalReturns10YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--FidelityVIPTechnologyPortfolioInitialClassMember_zi7X4pgeumSb" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">23.76%</td></tr> <tr style="vertical-align: top"> <td id="xdx_980_evip--PortfolioCompanyObjectiveTextBlock_c20260501__20260501__vip--PortfolioCompanyAxis__custom--InvescoVICorePlusBondFundSeriesIMember_z6TQDYHQYGb4" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Total return, comprised of current income and capital appreciation.</td> <td style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Invesco V.I. Core Plus Bond Fund, Series I Invesco Advisers, Inc.</td> <td id="xdx_98E_evip--CurrentExpensesPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--InvescoVICorePlusBondFundSeriesIMember_fKg_____zwW9A6ZeCzve" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">0.62%*</td> <td id="xdx_986_evip--AverageAnnualTotalReturns1YearPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--InvescoVICorePlusBondFundSeriesIMember_zqI9GDwW203j" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">7.09%</td> <td id="xdx_98C_evip--AverageAnnualTotalReturns5YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--InvescoVICorePlusBondFundSeriesIMember_ztaoWgbrxnge" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">-0.11%</td> <td id="xdx_98C_evip--AverageAnnualTotalReturns10YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--InvescoVICorePlusBondFundSeriesIMember_zjm8YFbMsiYd" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">2.99%</td></tr> <tr style="vertical-align: top"> <td id="xdx_98D_evip--PortfolioCompanyObjectiveTextBlock_c20260501__20260501__vip--PortfolioCompanyAxis__custom--InvescoVIDiscoveryMidCapGrowthFundSeriesIMember_zcdeX9Ai6QKf" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Seeks capital appreciation.</td> <td style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Invesco V.I. Discovery Mid Cap Growth Fund, Series I Invesco Advisers, Inc.</td> <td id="xdx_98D_evip--CurrentExpensesPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--InvescoVIDiscoveryMidCapGrowthFundSeriesIMember_z90K8Op8pPGj" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">0.86%</td> <td id="xdx_983_evip--AverageAnnualTotalReturns1YearPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--InvescoVIDiscoveryMidCapGrowthFundSeriesIMember_zvqhk3vPSk4d" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">4.79%</td> <td id="xdx_98E_evip--AverageAnnualTotalReturns5YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--InvescoVIDiscoveryMidCapGrowthFundSeriesIMember_zqnhmtiudDx3" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">3.90%</td> <td id="xdx_98F_evip--AverageAnnualTotalReturns10YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--InvescoVIDiscoveryMidCapGrowthFundSeriesIMember_zXcqvvnOO1pb" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">11.38%</td></tr> <tr style="vertical-align: top"> <td id="xdx_985_evip--PortfolioCompanyObjectiveTextBlock_c20260501__20260501__vip--PortfolioCompanyAxis__custom--InvescoVIMainStreetSmallCapFundSeriesIMember_z1yxwdyFAFi5" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Seeks capital appreciation.</td> <td style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Invesco V.I. Main Street Small Cap Fund®, Series I Invesco Advisers, Inc.</td> <td id="xdx_983_evip--CurrentExpensesPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--InvescoVIMainStreetSmallCapFundSeriesIMember_zmBdHd2R9EPd" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">0.84%</td> <td id="xdx_980_evip--AverageAnnualTotalReturns1YearPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--InvescoVIMainStreetSmallCapFundSeriesIMember_zaAVyjUw4ADb" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">8.70%</td> <td id="xdx_989_evip--AverageAnnualTotalReturns5YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--InvescoVIMainStreetSmallCapFundSeriesIMember_z79pKfPPXjFg" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">8.34%</td> <td id="xdx_980_evip--AverageAnnualTotalReturns10YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--InvescoVIMainStreetSmallCapFundSeriesIMember_zFfudpZWdUDc" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">10.59%</td></tr> <tr style="vertical-align: top"> <td id="xdx_981_evip--PortfolioCompanyObjectiveTextBlock_c20260501__20260501__vip--PortfolioCompanyAxis__custom--LVIPAmericanCenturyInflationProtectionFundStanClassIIMember_zICXTANW8nik" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Pursues long-term total return using a strategy that seeks to protect against U.S. inflation.</td> <td style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">LVIP American Century Inflation Protection Fund, Standard Class II Lincoln Financial Investments Corporation / American Century Investment Management, Inc.</td> <td id="xdx_98E_evip--CurrentExpensesPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--LVIPAmericanCenturyInflationProtectionFundStanClassIIMember_fKg_____zHRpYwOiJ6fc" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">0.47%*</td> <td id="xdx_985_evip--AverageAnnualTotalReturns1YearPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--LVIPAmericanCenturyInflationProtectionFundStanClassIIMember_z9x1pZw1rkx8" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">6.60%</td> <td id="xdx_983_evip--AverageAnnualTotalReturns5YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--LVIPAmericanCenturyInflationProtectionFundStanClassIIMember_zlpmTk5De0tb" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">0.87%</td> <td id="xdx_982_evip--AverageAnnualTotalReturns10YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--LVIPAmericanCenturyInflationProtectionFundStanClassIIMember_zlJgUmKkl6u9" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">2.87%</td></tr> <tr style="vertical-align: top"> <td id="xdx_984_evip--PortfolioCompanyObjectiveTextBlock_c20260501__20260501__vip--PortfolioCompanyAxis__custom--LVIPAmericanCenturyMidCapValueFundStanClassIIMember_zQY6QwMovlod" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Long-term capital growth. Income is a secondary objective.</td> <td style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">LVIP American Century Mid Cap Value Fund, Standard Class II Lincoln Financial Investments Corporation / American Century Investment Management, Inc.</td> <td id="xdx_98F_evip--CurrentExpensesPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--LVIPAmericanCenturyMidCapValueFundStanClassIIMember_fKg_____zJCUcPGh8oe6" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">0.86%*</td> <td id="xdx_98B_evip--AverageAnnualTotalReturns1YearPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--LVIPAmericanCenturyMidCapValueFundStanClassIIMember_zYSWFoNE1Bgb" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">8.99%</td> <td id="xdx_988_evip--AverageAnnualTotalReturns5YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--LVIPAmericanCenturyMidCapValueFundStanClassIIMember_zHpq2mScHQqj" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">8.89%</td> <td id="xdx_98C_evip--AverageAnnualTotalReturns10YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--LVIPAmericanCenturyMidCapValueFundStanClassIIMember_zk3yTiQzr9Aj" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">9.12%</td></tr> <tr style="vertical-align: top"> <td id="xdx_98E_evip--PortfolioCompanyObjectiveTextBlock_c20260501__20260501__vip--PortfolioCompanyAxis__custom--MFSBlendedResearchSmallCapEquityPortInitialClassMember_zu81OmRaV0Jk" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Seeks capital appreciation.</td> <td style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">MFS® Blended Research® Small Cap Equity Portfolio, Initial Class Massachusetts Financial Services Company</td> <td id="xdx_983_evip--CurrentExpensesPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--MFSBlendedResearchSmallCapEquityPortInitialClassMember_fKg_____zbCjem5QxRyf" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">0.58%*</td> <td id="xdx_98D_evip--AverageAnnualTotalReturns1YearPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--MFSBlendedResearchSmallCapEquityPortInitialClassMember_zu80GybcvFQj" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">5.76%</td> <td id="xdx_988_evip--AverageAnnualTotalReturns5YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--MFSBlendedResearchSmallCapEquityPortInitialClassMember_ziIULXlpbeVh" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">6.92%</td> <td id="xdx_98B_evip--AverageAnnualTotalReturns10YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--MFSBlendedResearchSmallCapEquityPortInitialClassMember_zNDrJk7T1RFk" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">9.10%</td></tr> <tr style="vertical-align: top"> <td id="xdx_986_evip--PortfolioCompanyObjectiveTextBlock_c20260501__20260501__vip--PortfolioCompanyAxis__custom--MFSConservativeAllocationPortfolioInitialClassMember_zh1EScx15wSb" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Seeks a high level of total return consistent with a conservative level of risk relative to the other MFS Asset Allocation Portfolios.</td> <td style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">MFS® Conservative Allocation Portfolio, Initial Class Massachusetts Financial Services Company</td> <td id="xdx_988_evip--CurrentExpensesPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--MFSConservativeAllocationPortfolioInitialClassMember_zFblPOeEujt9" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">0.70%</td> <td id="xdx_98F_evip--AverageAnnualTotalReturns1YearPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--MFSConservativeAllocationPortfolioInitialClassMember_zQ4fPGwFFzkl" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">10.00%</td> <td id="xdx_981_evip--AverageAnnualTotalReturns5YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--MFSConservativeAllocationPortfolioInitialClassMember_zjEVXx0pqgx7" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">3.09%</td> <td id="xdx_983_evip--AverageAnnualTotalReturns10YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--MFSConservativeAllocationPortfolioInitialClassMember_znhUsYrVrC5d" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">5.70%</td></tr> <tr style="vertical-align: top"> <td id="xdx_986_evip--PortfolioCompanyObjectiveTextBlock_c20260501__20260501__vip--PortfolioCompanyAxis__custom--MFSGlobalRealEstatePortfolioInitialClassMember_zTgQmbRonnqh" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Seeks total return.</td> <td style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">MFS® Global Real Estate Portfolio, Initial Class Massachusetts Financial Services Company</td> <td id="xdx_982_evip--CurrentExpensesPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--MFSGlobalRealEstatePortfolioInitialClassMember_fKg_____z2Mkdka3QrYh" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">0.90%*</td> <td id="xdx_988_evip--AverageAnnualTotalReturns1YearPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--MFSGlobalRealEstatePortfolioInitialClassMember_zb9jrdSWa0eh" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">3.53%</td> <td id="xdx_98D_evip--AverageAnnualTotalReturns5YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--MFSGlobalRealEstatePortfolioInitialClassMember_zfEHID9PlcJ6" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">1.32%</td> <td id="xdx_98B_evip--AverageAnnualTotalReturns10YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--MFSGlobalRealEstatePortfolioInitialClassMember_zUhOdL1F6gl2" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">5.01%</td></tr> <tr style="vertical-align: top"> <td id="xdx_989_evip--PortfolioCompanyObjectiveTextBlock_c20260501__20260501__vip--PortfolioCompanyAxis__custom--MFSGrowthAllocationPortfolioInitialClassMember_zBlATybu8vih" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Seeks a high level of total return consistent with a greater than moderate level of risk relative to the other MFS Asset Allocation Portfolios.</td> <td style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">MFS® Growth Allocation Portfolio, Initial Class Massachusetts Financial Services Company</td> <td id="xdx_98B_evip--CurrentExpensesPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--MFSGrowthAllocationPortfolioInitialClassMember_zmBwukjuh6Z4" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">0.80%</td> <td id="xdx_981_evip--AverageAnnualTotalReturns1YearPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--MFSGrowthAllocationPortfolioInitialClassMember_zU59yGQKSxf5" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">12.18%</td> <td id="xdx_985_evip--AverageAnnualTotalReturns5YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--MFSGrowthAllocationPortfolioInitialClassMember_zC7qnojZaLS7" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">6.19%</td> <td id="xdx_98E_evip--AverageAnnualTotalReturns10YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--MFSGrowthAllocationPortfolioInitialClassMember_zD8siNAUym5j" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">9.22%</td></tr> <tr style="vertical-align: top"> <td id="xdx_981_evip--PortfolioCompanyObjectiveTextBlock_c20260501__20260501__vip--PortfolioCompanyAxis__custom--MFSMidCapGrowthSeriesInitialClassMember_zlpN6HDe3X91" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Seeks capital appreciation.</td> <td style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">MFS® Mid Cap Growth Series, Initial Class Massachusetts Financial Services Company</td> <td id="xdx_98A_evip--CurrentExpensesPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--MFSMidCapGrowthSeriesInitialClassMember_fKg_____z7syFsoqHwPa" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">0.81%*</td> <td id="xdx_984_evip--AverageAnnualTotalReturns1YearPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--MFSMidCapGrowthSeriesInitialClassMember_zAzR5SI7HxIc" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">3.66%</td> <td id="xdx_98D_evip--AverageAnnualTotalReturns5YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--MFSMidCapGrowthSeriesInitialClassMember_zD3W79u1KgW" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">3.26%</td> <td id="xdx_983_evip--AverageAnnualTotalReturns10YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--MFSMidCapGrowthSeriesInitialClassMember_zdYbU8RbYfqj" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">11.60%</td></tr> <tr style="vertical-align: top"> <td id="xdx_987_evip--PortfolioCompanyObjectiveTextBlock_c20260501__20260501__vip--PortfolioCompanyAxis__custom--MFSMidCapValuePortfolioInitialClassMember_zR8AGDNCONWh" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Seeks capital appreciation.</td> <td style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">MFS® Mid Cap Value Portfolio, Initial Class Massachusetts Financial Services Company</td> <td id="xdx_98A_evip--CurrentExpensesPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--MFSMidCapValuePortfolioInitialClassMember_fKg_____ziOSradyyK2a" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">0.79%*</td> <td id="xdx_989_evip--AverageAnnualTotalReturns1YearPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--MFSMidCapValuePortfolioInitialClassMember_zRAqw9atLNF8" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">5.98%</td> <td id="xdx_989_evip--AverageAnnualTotalReturns5YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--MFSMidCapValuePortfolioInitialClassMember_zEHLmvEEA7dc" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">10.18%</td> <td id="xdx_98A_evip--AverageAnnualTotalReturns10YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--MFSMidCapValuePortfolioInitialClassMember_zJwEIZosGxO8" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">9.95%</td></tr> <tr style="vertical-align: top"> <td id="xdx_98D_evip--PortfolioCompanyObjectiveTextBlock_c20260501__20260501__vip--PortfolioCompanyAxis__custom--MFSModerateAllocationPortfolioInitialClassMember_zSqEcheM98wi" style="border: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Seeks a high level of total return consistent with a moderate level of risk relative to the other MFS Asset Allocation Portfolios.</td> <td style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">MFS® Moderate Allocation Portfolio, Initial Class Massachusetts Financial Services Company</td> <td id="xdx_983_evip--CurrentExpensesPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--MFSModerateAllocationPortfolioInitialClassMember_zgTAt6ipSvw3" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">0.72%</td> <td id="xdx_989_evip--AverageAnnualTotalReturns1YearPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--MFSModerateAllocationPortfolioInitialClassMember_zlPFnlfE3qK7" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">11.29%</td> <td id="xdx_989_evip--AverageAnnualTotalReturns5YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--MFSModerateAllocationPortfolioInitialClassMember_zLbLhF3p6EFd" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">4.82%</td> <td id="xdx_989_evip--AverageAnnualTotalReturns10YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--MFSModerateAllocationPortfolioInitialClassMember_zpwn8bCP8lF6" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">7.62%</td></tr> <tr style="vertical-align: top"> <td id="xdx_985_evip--PortfolioCompanyObjectiveTextBlock_c20260501__20260501__vip--PortfolioCompanyAxis__custom--MFSNewDiscoverySeriesInitialClassMember_zHZuCYi4Yi5i" style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Seeks capital appreciation.</td> <td style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">MFS® New Discovery Series, Initial Class Massachusetts Financial Services Company</td> <td id="xdx_988_evip--CurrentExpensesPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--MFSNewDiscoverySeriesInitialClassMember_fKg_____zhsW16515DJc" style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">0.87%*</td> <td id="xdx_983_evip--AverageAnnualTotalReturns1YearPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--MFSNewDiscoverySeriesInitialClassMember_zveUvScpqGxh" style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">12.96%</td> <td id="xdx_98D_evip--AverageAnnualTotalReturns5YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--MFSNewDiscoverySeriesInitialClassMember_zwk6ZootL0ak" style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">-0.28%</td> <td id="xdx_989_evip--AverageAnnualTotalReturns10YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--MFSNewDiscoverySeriesInitialClassMember_z1WvY2Ixz3dl" style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">10.74%</td></tr> <tr style="vertical-align: top"> <td id="xdx_98D_evip--PortfolioCompanyObjectiveTextBlock_c20260501__20260501__vip--PortfolioCompanyAxis__custom--MFSResearchInternationalPortfolioInitialClassMember_zHByuzsl2a26" style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Seeks capital appreciation.</td> <td style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">MFS® Research International Portfolio, Initial Class Massachusetts Financial Services Company</td> <td id="xdx_987_evip--CurrentExpensesPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--MFSResearchInternationalPortfolioInitialClassMember_fKg_____zEJG2cRIm942" style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">0.90%*</td> <td id="xdx_986_evip--AverageAnnualTotalReturns1YearPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--MFSResearchInternationalPortfolioInitialClassMember_zlGF4vZlE2W2" style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">22.05%</td> <td id="xdx_988_evip--AverageAnnualTotalReturns5YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--MFSResearchInternationalPortfolioInitialClassMember_zky220TBJmV4" style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">5.51%</td> <td id="xdx_982_evip--AverageAnnualTotalReturns10YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--MFSResearchInternationalPortfolioInitialClassMember_zLDGJHJMOYa2" style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">7.54%</td></tr> <tr style="vertical-align: top"> <td id="xdx_985_evip--PortfolioCompanyObjectiveTextBlock_c20260501__20260501__vip--PortfolioCompanyAxis__custom--PIMCOCommodityrealreturnStrategyPortfolioInstlClassMember_zEwnFkmNt8Ye" style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Seeks maximum real return, consistent with prudent investment management.</td> <td style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">PIMCO CommodityRealReturn® Strategy Portfolio, Institutional Class Pacific Investment Management Company LLC</td> <td id="xdx_987_evip--CurrentExpensesPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--PIMCOCommodityrealreturnStrategyPortfolioInstlClassMember_fKg_____zgtT6QLrvoFl" style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">3.04%*</td> <td id="xdx_98A_evip--AverageAnnualTotalReturns1YearPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--PIMCOCommodityrealreturnStrategyPortfolioInstlClassMember_zQOJ8iShwVa5" style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">19.07%</td> <td id="xdx_982_evip--AverageAnnualTotalReturns5YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--PIMCOCommodityrealreturnStrategyPortfolioInstlClassMember_zfC7wfNDphWb" style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">10.72%</td> <td id="xdx_987_evip--AverageAnnualTotalReturns10YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--PIMCOCommodityrealreturnStrategyPortfolioInstlClassMember_zE81HoVb6RA4" style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">6.70%</td></tr> <tr style="vertical-align: top"> <td id="xdx_98C_evip--PortfolioCompanyObjectiveTextBlock_c20260501__20260501__vip--PortfolioCompanyAxis__custom--PIMCORealReturnPortfolioInstlClassMember_znShYMuBU7kj" style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Seeks maximum real return, consistent with preservation of real capital and prudent investment management.</td> <td style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">PIMCO Real Return Portfolio, Institutional Class Pacific Investment Management Company LLC</td> <td id="xdx_98E_evip--CurrentExpensesPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--PIMCORealReturnPortfolioInstlClassMember_zTtZ16Wl3ja7" style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">1.24%</td> <td id="xdx_989_evip--AverageAnnualTotalReturns1YearPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--PIMCORealReturnPortfolioInstlClassMember_zKz8RQKas934" style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">8.01%</td> <td id="xdx_98D_evip--AverageAnnualTotalReturns5YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--PIMCORealReturnPortfolioInstlClassMember_zzVVFOb4ztXa" style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">1.36%</td> <td id="xdx_985_evip--AverageAnnualTotalReturns10YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--PIMCORealReturnPortfolioInstlClassMember_zTNvy4zDbQoc" style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">3.37%</td></tr> </table> <table cellpadding="0" cellspacing="0" style="font: 10pt Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse"> <tr style="vertical-align: bottom; background-color: #D9D9D9"> <td rowspan="2" style="border: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">Type / Investment Objective</td> <td rowspan="2" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">Portfolio Company and Adviser / Subadviser(s)</td> <td rowspan="2" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">Current Expenses</td> <td colspan="3" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">Average Annual Total Returns as of 12/31/2025</td></tr> <tr style="background-color: #D9D9D9"> <td style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">1 year</td> <td style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">5 year</td> <td style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">10 year</td></tr> <tr style="vertical-align: top"> <td id="xdx_98F_evip--PortfolioCompanyObjectiveTextBlock_c20260501__20260501__vip--PortfolioCompanyAxis__custom--PIMCOShortTermPortfolioInstlClassMember_zNNTB0tWoZ96" style="border-right: Black 1pt solid; border-left: Black 1pt solid; width: 32%; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Seeks maximum current income, consistent with preservation of capital and daily liquidity.</td> <td style="border-right: Black 1pt solid; width: 39%; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">PIMCO Short-Term Portfolio, Institutional Class Pacific Investment Management Company LLC</td> <td id="xdx_980_evip--CurrentExpensesPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--PIMCOShortTermPortfolioInstlClassMember_zNF4UOaE74q8" style="border-right: Black 1pt solid; width: 9%; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">0.50%</td> <td id="xdx_98F_evip--AverageAnnualTotalReturns1YearPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--PIMCOShortTermPortfolioInstlClassMember_zxI5oXsy42Ia" style="border-right: Black 1pt solid; width: 7%; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">4.83%</td> <td id="xdx_985_evip--AverageAnnualTotalReturns5YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--PIMCOShortTermPortfolioInstlClassMember_zpqq1rT11fKd" style="border-right: Black 1pt solid; width: 7%; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">3.40%</td> <td id="xdx_983_evip--AverageAnnualTotalReturns10YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--PIMCOShortTermPortfolioInstlClassMember_zVf1jEMYLcV1" style="border-right: Black 1pt solid; width: 6%; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">2.91%</td></tr> <tr style="vertical-align: top"> <td id="xdx_985_evip--PortfolioCompanyObjectiveTextBlock_c20260501__20260501__vip--PortfolioCompanyAxis__custom--PutnamVTInternationalValueFundClassIAMember_zjaIVcVIDoqc" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Seeks capital growth. Current income is a secondary objective.</td> <td style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Putnam VT International Value Fund, Class IA Putnam Investment Management, LLC / Franklin Advisers, Inc., Franklin Templeton Investment Management Limited and The Putnam Advisory Company, LLC</td> <td id="xdx_989_evip--CurrentExpensesPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--PutnamVTInternationalValueFundClassIAMember_zk1m2NQHnbHa" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">0.81%</td> <td id="xdx_98A_evip--AverageAnnualTotalReturns1YearPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--PutnamVTInternationalValueFundClassIAMember_zFhPiZX3Egh1" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">35.07%</td> <td id="xdx_984_evip--AverageAnnualTotalReturns5YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--PutnamVTInternationalValueFundClassIAMember_zF5kEq06gVBb" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">12.77%</td> <td id="xdx_988_evip--AverageAnnualTotalReturns10YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--PutnamVTInternationalValueFundClassIAMember_zPylTbmM6DBl" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">9.13%</td></tr> <tr style="vertical-align: top"> <td id="xdx_98B_evip--PortfolioCompanyObjectiveTextBlock_c20260501__20260501__vip--PortfolioCompanyAxis__custom--VanguardBalancedPortfolioMember_zvOi05VRu9t8" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Seeks to provide long-term capital appreciation and reasonable current income.</td> <td style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Vanguard® Balanced Portfolio 5 Wellington Management Company, LLP</td> <td id="xdx_987_evip--CurrentExpensesPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--VanguardBalancedPortfolioMember_z8LpgOCtp58e" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">0.20%</td> <td id="xdx_987_evip--AverageAnnualTotalReturns1YearPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--VanguardBalancedPortfolioMember_zzE6tqsckrX5" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">16.46%</td> <td id="xdx_986_evip--AverageAnnualTotalReturns5YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--VanguardBalancedPortfolioMember_z2Oqbru3PQLe" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">9.29%</td> <td id="xdx_983_evip--AverageAnnualTotalReturns10YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--VanguardBalancedPortfolioMember_zHDOzOxSbar8" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">10.03%</td></tr> <tr style="vertical-align: top"> <td id="xdx_986_evip--PortfolioCompanyObjectiveTextBlock_c20260501__20260501__vip--PortfolioCompanyAxis__custom--VanguardConservativeAllocationPortfolioMember_zaxwKepHuJK9" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Seeks to provide current income and low to moderate capital appreciation.</td> <td style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Vanguard® Conservative Allocation Portfolio 5 Vanguard Global Equity Index Management</td> <td id="xdx_98C_evip--CurrentExpensesPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--VanguardConservativeAllocationPortfolioMember_z5TaaBYsdaxj" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">0.12%</td> <td id="xdx_98E_evip--AverageAnnualTotalReturns1YearPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--VanguardConservativeAllocationPortfolioMember_zncKIMGCCoX4" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">12.73%</td> <td id="xdx_98B_evip--AverageAnnualTotalReturns5YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--VanguardConservativeAllocationPortfolioMember_zegJkRE0NG1c" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">4.22%</td> <td id="xdx_986_evip--AverageAnnualTotalReturns10YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--VanguardConservativeAllocationPortfolioMember_zf1dPJR89uj1" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">6.14%</td></tr> <tr style="vertical-align: top"> <td id="xdx_986_evip--PortfolioCompanyObjectiveTextBlock_c20260501__20260501__vip--PortfolioCompanyAxis__custom--VanguardDiversifiedValuePortfolioMember_zoHEelbKrEta" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Seeks to provide long-term capital appreciation and income growth.</td> <td style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Vanguard® Diversified Value Portfolio 5 Hotchkis and Wiley Capital Management, LLC, Aristotle Capital Management, LLC and Harris Associates L.P.</td> <td id="xdx_98F_evip--CurrentExpensesPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--VanguardDiversifiedValuePortfolioMember_zJhzqpst7r86" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">0.28%</td> <td id="xdx_989_evip--AverageAnnualTotalReturns1YearPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--VanguardDiversifiedValuePortfolioMember_zlTx84npDD1g" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">16.83%</td> <td id="xdx_98A_evip--AverageAnnualTotalReturns5YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--VanguardDiversifiedValuePortfolioMember_zrlSKPyMmFlk" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">13.24%</td> <td id="xdx_983_evip--AverageAnnualTotalReturns10YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--VanguardDiversifiedValuePortfolioMember_zUso7l6vj1K2" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">11.76%</td></tr> <tr style="vertical-align: top"> <td id="xdx_989_evip--PortfolioCompanyObjectiveTextBlock_c20260501__20260501__vip--PortfolioCompanyAxis__custom--VanguardEquityIncomePortfolioMember_zRDeUNy2U91b" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Seeks to provide an above-average level of current income and reasonable long-term capital appreciation.</td> <td style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Vanguard® Equity Income Portfolio 5 Vanguard Quantitative Equity Group and Wellington Management Company LLP</td> <td id="xdx_989_evip--CurrentExpensesPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--VanguardEquityIncomePortfolioMember_zAk9pHCDArF8" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">0.29%</td> <td id="xdx_980_evip--AverageAnnualTotalReturns1YearPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--VanguardEquityIncomePortfolioMember_zqAgwdPqiEBf" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">16.80%</td> <td id="xdx_98A_evip--AverageAnnualTotalReturns5YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--VanguardEquityIncomePortfolioMember_zwAJDfT59SX9" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">12.59%</td> <td id="xdx_983_evip--AverageAnnualTotalReturns10YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--VanguardEquityIncomePortfolioMember_zEinIQEW0YC" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">11.52%</td></tr> <tr style="vertical-align: top"> <td id="xdx_984_evip--PortfolioCompanyObjectiveTextBlock_c20260501__20260501__vip--PortfolioCompanyAxis__custom--VanguardEquityIndexPortfolioMember_zhgw3kw97w7a" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Seeks to track the performance of a benchmark index that measures the investment return of large-capitalization stocks.</td> <td style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Vanguard® Equity Index Portfolio 5 Vanguard Global Equity Index Management</td> <td id="xdx_980_evip--CurrentExpensesPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--VanguardEquityIndexPortfolioMember_z4cBhGL2KnYk" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">0.14%</td> <td id="xdx_98D_evip--AverageAnnualTotalReturns1YearPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--VanguardEquityIndexPortfolioMember_z0g7zVWLvMql" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">17.70%</td> <td id="xdx_98E_evip--AverageAnnualTotalReturns5YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--VanguardEquityIndexPortfolioMember_zz5Qfw476Jok" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">14.27%</td> <td id="xdx_98F_evip--AverageAnnualTotalReturns10YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--VanguardEquityIndexPortfolioMember_zKZyind82HZe" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">14.66%</td></tr> <tr style="vertical-align: top"> <td id="xdx_980_evip--PortfolioCompanyObjectiveTextBlock_c20260501__20260501__vip--PortfolioCompanyAxis__custom--VanguardGrowthPortfolioMember_zhTBscNBsJja" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Seeks to provide long-term capital appreciation.</td> <td style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Vanguard® Growth Portfolio 5 Wellington Management Company, LLP</td> <td id="xdx_98C_evip--CurrentExpensesPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--VanguardGrowthPortfolioMember_zTsWBpzP4yqd" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">0.36%</td> <td id="xdx_98C_evip--AverageAnnualTotalReturns1YearPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--VanguardGrowthPortfolioMember_z92PLzM6pdXc" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">16.89%</td> <td id="xdx_983_evip--AverageAnnualTotalReturns5YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--VanguardGrowthPortfolioMember_zfe1wspYEqtj" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">11.36%</td> <td id="xdx_988_evip--AverageAnnualTotalReturns10YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--VanguardGrowthPortfolioMember_zLr9i2h6OHi1" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">15.58%</td></tr> <tr style="vertical-align: top"> <td id="xdx_98F_evip--PortfolioCompanyObjectiveTextBlock_c20260501__20260501__vip--PortfolioCompanyAxis__custom--VanguardHighYieldBondPortfolioMember_zrZhKrvQ138d" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Seeks to provide a high level of current income.</td> <td style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Vanguard® High Yield Bond Portfolio 5 Wellington Management Company, LLP and Vanguard Fixed Income Group</td> <td id="xdx_98E_evip--CurrentExpensesPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--VanguardHighYieldBondPortfolioMember_zROuB2ZC9JB9" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">0.24%</td> <td id="xdx_983_evip--AverageAnnualTotalReturns1YearPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--VanguardHighYieldBondPortfolioMember_ztvhF36H2RL2" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">9.18%</td> <td id="xdx_98F_evip--AverageAnnualTotalReturns5YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--VanguardHighYieldBondPortfolioMember_zW3ss7VIerfi" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">4.05%</td> <td id="xdx_982_evip--AverageAnnualTotalReturns10YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--VanguardHighYieldBondPortfolioMember_zxZhxWGmkVkd" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">5.62%</td></tr> <tr style="vertical-align: top"> <td id="xdx_989_evip--PortfolioCompanyObjectiveTextBlock_c20260501__20260501__vip--PortfolioCompanyAxis__custom--VanguardInternationalPortfolioMember_ziJVXTQHatLb" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Seeks to provide long-term capital appreciation.</td> <td style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Vanguard® International Portfolio 5 Schroder Investment Management North America Inc. and Baillie Gifford Overseas Ltd.</td> <td id="xdx_98B_evip--CurrentExpensesPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--VanguardInternationalPortfolioMember_z6nDTXsrAvUd" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">0.32%</td> <td id="xdx_98D_evip--AverageAnnualTotalReturns1YearPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--VanguardInternationalPortfolioMember_zPT5MXo0VwB1" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">19.97%</td> <td id="xdx_989_evip--AverageAnnualTotalReturns5YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--VanguardInternationalPortfolioMember_zqn1R3RFWf3k" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">0.62%</td> <td id="xdx_98D_evip--AverageAnnualTotalReturns10YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--VanguardInternationalPortfolioMember_zVVOCNBpZhr2" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">10.48%</td></tr> <tr style="vertical-align: top"> <td id="xdx_989_evip--PortfolioCompanyObjectiveTextBlock_c20260501__20260501__vip--PortfolioCompanyAxis__custom--VanguardMidCapIndexlPortfolioMember_zmtKNX0Rebuh" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Seeks to track the performance of a benchmark index that measures the investment return of mid-capitalization stocks.</td> <td style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Vanguard® Mid-Cap Index Portfolio 5 Vanguard Strategic Equity Index Management</td> <td id="xdx_98F_evip--CurrentExpensesPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--VanguardMidCapIndexlPortfolioMember_z4pPBDs6ijBe" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">0.17%</td> <td id="xdx_986_evip--AverageAnnualTotalReturns1YearPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--VanguardMidCapIndexlPortfolioMember_zoMdMaH8m8P1" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">11.54%</td> <td id="xdx_98C_evip--AverageAnnualTotalReturns5YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--VanguardMidCapIndexlPortfolioMember_zdzRW1JnUGck" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">8.46%</td> <td id="xdx_984_evip--AverageAnnualTotalReturns10YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--VanguardMidCapIndexlPortfolioMember_zO5DzoDn7Ixb" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">10.77%</td></tr> <tr style="vertical-align: top"> <td id="xdx_984_evip--PortfolioCompanyObjectiveTextBlock_c20260501__20260501__vip--PortfolioCompanyAxis__custom--VanguardModerateAllocationPortfolioMember_zWuDis3CQXW4" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Seeks to provide capital appreciation and a low to moderate level of current income.</td> <td style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Vanguard® Moderate Allocation Portfolio 5 Vanguard Global Equity Index Management</td> <td id="xdx_98A_evip--CurrentExpensesPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--VanguardModerateAllocationPortfolioMember_zyPRqPuTXhSi" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">0.12%</td> <td id="xdx_987_evip--AverageAnnualTotalReturns1YearPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--VanguardModerateAllocationPortfolioMember_zoXkxLYXKZ9d" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">16.19%</td> <td id="xdx_98C_evip--AverageAnnualTotalReturns5YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--VanguardModerateAllocationPortfolioMember_z3JwkiV7RJE6" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">6.51%</td> <td id="xdx_985_evip--AverageAnnualTotalReturns10YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--VanguardModerateAllocationPortfolioMember_zQteTfRTfQzj" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">8.14%</td></tr> <tr style="vertical-align: top"> <td id="xdx_984_evip--PortfolioCompanyObjectiveTextBlock_c20260501__20260501__vip--PortfolioCompanyAxis__custom--VanguardRealEstateIndexPortfolioMember_zPLpbSsscmvd" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Seeks to provide a high level of income and moderate long-term capital appreciation by tracking the performance of a benchmark index that measures the performance of publicly traded equity REITs and other real estate related investments.</td> <td style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Vanguard® Real Estate Index Portfolio 5 Vanguard Strategic Equity Index Management</td> <td id="xdx_980_evip--CurrentExpensesPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--VanguardRealEstateIndexPortfolioMember_zN0je1Y3dDB8" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">0.26%</td> <td id="xdx_987_evip--AverageAnnualTotalReturns1YearPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--VanguardRealEstateIndexPortfolioMember_zYUAUy5uhtBd" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">3.11%</td> <td id="xdx_989_evip--AverageAnnualTotalReturns5YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--VanguardRealEstateIndexPortfolioMember_z9NnzJXG1kB2" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">4.51%</td> <td id="xdx_981_evip--AverageAnnualTotalReturns10YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--VanguardRealEstateIndexPortfolioMember_zVii4rFyjGVb" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">5.08%</td></tr> <tr style="vertical-align: top"> <td id="xdx_987_evip--PortfolioCompanyObjectiveTextBlock_c20260501__20260501__vip--PortfolioCompanyAxis__custom--VanguardShortTermInvestmentGradePortfolioMember_zIoPSVxUTII5" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Seeks to provide current income with limited price volatility.</td> <td style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Vanguard® Short-Term Investment-Grade Portfolio 5 Vanguard Fixed Income Group</td> <td id="xdx_983_evip--CurrentExpensesPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--VanguardShortTermInvestmentGradePortfolioMember_zXlypSgwMUig" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">0.14%</td> <td id="xdx_986_evip--AverageAnnualTotalReturns1YearPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--VanguardShortTermInvestmentGradePortfolioMember_zCwyIbjZDT3k" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">6.85%</td> <td id="xdx_987_evip--AverageAnnualTotalReturns5YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--VanguardShortTermInvestmentGradePortfolioMember_zaWpAjJ5NvYl" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">2.23%</td> <td id="xdx_98B_evip--AverageAnnualTotalReturns10YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--VanguardShortTermInvestmentGradePortfolioMember_zgiA2mhXyiPc" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">2.81%</td></tr> <tr style="vertical-align: top"> <td id="xdx_98B_evip--PortfolioCompanyObjectiveTextBlock_c20260501__20260501__vip--PortfolioCompanyAxis__custom--VanguardTotalBondMarketIndexPortfolioMember_zMoXBq7E8wf2" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Seeks to track the performance of a broad, market-weighted bond index.</td> <td style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Vanguard® Total Bond Market Index Portfolio 5 Vanguard Fixed Income Group</td> <td id="xdx_98F_evip--CurrentExpensesPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--VanguardTotalBondMarketIndexPortfolioMember_zfAVclgO94E3" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">0.14%</td> <td id="xdx_987_evip--AverageAnnualTotalReturns1YearPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--VanguardTotalBondMarketIndexPortfolioMember_z4HpJ8Opj0Ok" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">6.94%</td> <td id="xdx_989_evip--AverageAnnualTotalReturns5YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--VanguardTotalBondMarketIndexPortfolioMember_zYel2Oapcnk5" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">-0.51%</td> <td id="xdx_986_evip--AverageAnnualTotalReturns10YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--VanguardTotalBondMarketIndexPortfolioMember_zTROkyGRFW58" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">1.90%</td></tr> <tr style="vertical-align: top"> <td id="xdx_98D_evip--PortfolioCompanyObjectiveTextBlock_c20260501__20260501__vip--PortfolioCompanyAxis__custom--VanguardTotalInternationalStockMarketIndexPortfolioMember_zWF2kad8wO2" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Seeks to track the performance of a benchmark index that measures the investment return of stocks issued by companies located in developed and emerging markets, excluding the United States.</td> <td style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Vanguard® Total International Stock Market Index Portfolio 5 Vanguard Global Equity Index Management</td> <td id="xdx_98B_evip--CurrentExpensesPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--VanguardTotalInternationalStockMarketIndexPortfolioMember_z7OXvSKppF41" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">0.09%</td> <td id="xdx_988_evip--AverageAnnualTotalReturns1YearPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--VanguardTotalInternationalStockMarketIndexPortfolioMember_zzbyEEebs7kg" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">32.04%</td> <td id="xdx_984_evip--AverageAnnualTotalReturns5YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--VanguardTotalInternationalStockMarketIndexPortfolioMember_zsXaoJ7nOFjb" style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">7.88%</td> <td style="border-top: Black 1pt solid; border-right: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%"> </td></tr> <tr style="vertical-align: top"> <td id="xdx_982_evip--PortfolioCompanyObjectiveTextBlock_c20260501__20260501__vip--PortfolioCompanyAxis__custom--VanguardTotalStockMarketIndexPortfolioMember_z6xJlDozHUZi" style="border: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Seeks to track the performance of a benchmark index that measures the investment return of the overall stock market.</td> <td style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%">Vanguard® Total Stock Market Index Portfolio 5 Vanguard Global Equity Index Management</td> <td id="xdx_98C_evip--CurrentExpensesPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--VanguardTotalStockMarketIndexPortfolioMember_zFPPrweKil7f" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: center">0.13%</td> <td id="xdx_982_evip--AverageAnnualTotalReturns1YearPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--VanguardTotalStockMarketIndexPortfolioMember_zQZzZIu7pp57" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">16.93%</td> <td id="xdx_982_evip--AverageAnnualTotalReturns5YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--VanguardTotalStockMarketIndexPortfolioMember_zQioe86MPt6h" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">12.98%</td> <td id="xdx_985_evip--AverageAnnualTotalReturns10YearsPercent_uRatio_c20260501__20260501__vip--PortfolioCompanyAxis__custom--VanguardTotalStockMarketIndexPortfolioMember_z68yu1kPczGc" style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt; line-height: 90%; text-align: right">14.10%</td></tr> </table> <table cellpadding="0" cellspacing="0" style="font: 10pt/90% Arial, Helvetica, Sans-Serif; width: 100%; border-collapse: collapse"> <tr style="vertical-align: top; background-color: white"> <td style="border-top: Black 1pt solid; border-bottom: Black 1pt solid; border-left: Black 1pt solid; width: 5%; padding-right: 1.45pt; padding-left: 1.45pt">*</td> <td style="border-top: Black 1pt solid; border-right: Black 1pt solid; border-bottom: Black 1pt solid; width: 95%; padding-right: 1.45pt; padding-left: 1.45pt">Current Expenses take into account expense reimbursement or fee waiver arrangements in place and reflect temporary fee reductions under such an arrangement.</td></tr> <tr style="vertical-align: top; background-color: white"> <td style="border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt">1</td> <td style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt">Ameritas Investment Partners, Inc. is an affiliate of Ameritas Life.</td></tr> <tr style="vertical-align: top"> <td style="border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt">2</td> <td style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; background-color: white; padding-right: 1.45pt; padding-left: 1.45pt">FIDELITY, Contrafund and Equity-Income are registered service marks of FMR LLC. Used with permission.</td></tr> <tr style="vertical-align: top; background-color: white"> <td style="border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt">3</td> <td style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt">"Standard & Poor's®," "S&P®," "S&P 500®," "Standard & Poor's 500," and "500" are trademarks of The McGraw-Hill Companies, Inc. and have been licensed for use by us. The Product is not sponsored, endorsed, sold or promoted by Standard & Poor's® and Standard & Poor's® makes no representation regarding the advisability of investing in the Product. The Statement of Additional Information sets forth certain additional disclaimers and limitations of liabilities on behalf of Standard & Poor's® as set forth in the Licensing Agreement between us and Standard & Poor's®.</td></tr> <tr style="vertical-align: top; background-color: white"> <td style="border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt">4</td> <td style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt">You could lose money by investing in the Fund. Although the Fund seeks to preserve the value of your investment at $1.00 per share, it cannot guarantee it will do so. An investment in the Fund is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. The Fund's sponsor has no legal obligation to provide financial support to the Fund, and you should not expect that the sponsor will provide financial support to the Fund at any time.</td></tr> <tr style="vertical-align: top"> <td style="border-bottom: Black 1pt solid; border-left: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt">5</td> <td style="border-right: Black 1pt solid; border-bottom: Black 1pt solid; padding-right: 1.45pt; padding-left: 1.45pt">Vanguard is a trademark of The Vanguard Group, Inc.</td></tr> </table> The fund’s primary investment objective is to provide you with a high level of current income. Its secondary investment objective is capital appreciation. American Funds® IS American High-Income Trust, Class 1 Capital Research and Management Company (SM) 0.0037 0.0852 0.0587 0.0722 Seeks to provide growth of capital. American Funds® IS Growth Fund, Class 1 Capital Research and Management Company (SM) 0.0033 0.2054 0.1366 0.1826 Seeks to achieve long-term growth of capital and income. American Funds® IS Growth-Income Fund, Class 1 Capital Research and Management Company (SM) 0.0028 0.1837 0.1419 0.1420 Seeks to provide long-term capital appreciation. American Funds® IS New World Fund, Class 1 Capital Research and Management Company (SM) 0.0057 0.2860 0.0559 0.0953 The fund’s investment objective is to provide as high a level of current income as is consistent with the preservation of capital. American Funds® IS The Bond Fund of America, Class 1 Capital Research and Management Company (SM) 0.0022 0.0740 0.0010 0.0261 Seeks to produce income and to provide an opportunity for growth of principal consistent with sound common stock investing. American Funds® IS Washington Mutual Investors Fund, Class 1 Capital Research and Management Company (SM) 0.0025 0.1750 0.1417 0.1265 Total return. Calvert VP SRI Balanced Portfolio, Class I Calvert Research and Management 0.0065 0.1148 0.0868 0.0981 Long-term capital appreciation. Columbia Variable Portfolio - Small Cap Value Discovery Fund, Class 1 (named Columbia Variable Portfolio - Small Cap Value Fund, Class 1 prior to 5/1/26) Columbia Management Investment Advisers, LLC 0.0088 0.1499 0.1248 0.1148 Investing to correspond with the returns of the NASDAQ 100 Index. CVT Nasdaq 100 Index Portfolio, Class I Calvert Research and Management Ameritas Investment Partners, Inc. 0.0049 0.2039 0.1473 0.1909 Investing to correspond with the returns of the Russell 2000 Index. CVT Russell 2000 Small Cap Index Portfolio, Class I Calvert Research and Management Ameritas Investment Partners, Inc. 0.0040 0.1245 0.0583 0.0932 To seek total return consisting of capital appreciation and current income. DFA VA Global Moderate Allocation Portfolio Dimensional Fund Advisors LP 0.0028 0.1468 0.0842 0.0865 To achieve long-term capital appreciation. DFA VA International Small Portfolio Dimensional Fund Advisors LP Dimensional Fund Advisors Ltd. and DFA Australia Limited 0.0039 0.3699 0.0889 0.0868 To achieve long-term capital appreciation. DFA VA International Value Portfolio Dimensional Fund Advisors LP Dimensional Fund Advisors Ltd. and DFA Australia Limited 0.0027 0.4564 0.1585 0.1046 Capital appreciation. DWS Alternative Asset Allocation VIP, Class A DWS Investment Management Americas, Inc. RREEF America L.L.C. 0.0093 0.1050 0.0529 0.0489 Long-term growth of capital. DWS Capital Growth VIP, Class A DWS Investment Management Americas, Inc 0.0049 0.1253 0.1092 0.1529 Seeks capital appreciation. Fidelity® VIP Emerging Markets Portfolio, Initial Class Fidelity Management & Research Company LLC Other investment advisers serve as sub-advisers for the fund. 0.0087 0.4120 0.0588 0.1093 Seeks reasonable income. The fund will also consider 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. 3 Fidelity® VIP Equity-Income Portfolio SM, Initial Class Fidelity Management & Research Company LLC Other investment advisers serve as sub-advisers for the fund. 0.0046 0.1902 0.1251 0.1160 Seeks as high a level of current income as is consistent with preservation of capital and liquidity. Fidelity® VIP Government Money Market Portfolio, Initial Class Fidelity Management & Research Company LLC Other investment advisers serve as sub-advisers for the fund. 0.0025 0.0413 0.0310 0.0203 Seeks to achieve capital appreciation. Fidelity® VIP Growth Portfolio, Initial Class Fidelity Management & Research Company LLC Other investment advisers serve as sub-advisers for the fund. 0.0055 0.1492 0.1370 0.1745 Seeks capital appreciation. Fidelity® VIP International Capital Appreciation Portfolio, Initial Class Fidelity Management & Research Company LLC Other investment advisers serve as sub-advisers for the fund. 0.0078 0.1869 0.0626 0.0981 Seeks as high a level of current income as is consistent with the preservation of capital. Fidelity® VIP Investment Grade Bond Portfolio, Initial Class Fidelity Management & Research Company LLC Other investment advisers serve as sub-advisers for the fund. 0.0037 0.0722 0.0006 0.0271 Seeks long-term growth of capital. Fidelity® VIP Mid Cap Portfolio, Initial Class Fidelity Management & Research Company LLC Other investment advisers serve as sub-advisers for the fund. 0.0055 0.1175 0.1010 0.1059 Seeks a high level of current income. The fund may also seek capital appreciation. Fidelity® VIP Strategic Income Portfolio, Initial Class Fidelity Management & Research Company LLC Other investment advisers serve as sub-advisers for the fund. 0.0063 0.0885 0.0307 0.0466 Seeks capital appreciation. Fidelity® VIP Technology Portfolio, Initial Class Fidelity Management & Research Company LLC Other investment advisers serve as sub-advisers for the fund. 0.0056 0.2336 0.1683 0.2376 Total return, comprised of current income and capital appreciation. Invesco V.I. Core Plus Bond Fund, Series I Invesco Advisers, Inc. 0.0062 0.0709 -0.0011 0.0299 Seeks capital appreciation. Invesco V.I. Discovery Mid Cap Growth Fund, Series I Invesco Advisers, Inc 0.0086 0.0479 0.0390 0.1138 Seeks capital appreciation. Invesco V.I. Main Street Small Cap Fund®, Series I Invesco Advisers, Inc. 0.0084 0.0870 0.0834 0.1059 Pursues long-term total return using a strategy that seeks to protect against U.S. inflation. LVIP American Century Inflation Protection Fund, Standard Class II Lincoln Financial Investments Corporation American Century Investment Management, Inc. 0.0047 0.0660 0.0087 0.0287 Long-term capital growth. Income is a secondary objective. LVIP American Century Mid Cap Value Fund, Standard Class II Lincoln Financial Investments Corporation American Century Investment Management, Inc. 0.0086 0.0899 0.0889 0.0912 Seeks capital appreciation. MFS® Blended Research® Small Cap Equity Portfolio, Initial Class Massachusetts Financial Services Company 0.0058 0.0576 0.0692 0.0910 Seeks a high level of total return consistent with a conservative level of risk relative to the other MFS Asset Allocation Portfolios. MFS® Conservative Allocation Portfolio, Initial Class Massachusetts Financial Services Company 0.0070 0.1000 0.0309 0.0570 Seeks total return. MFS® Global Real Estate Portfolio, Initial Class Massachusetts Financial Services Company 0.0090 0.0353 0.0132 0.0501 Seeks a high level of total return consistent with a greater than moderate level of risk relative to the other MFS Asset Allocation Portfolios. MFS® Growth Allocation Portfolio, Initial Class Massachusetts Financial Services Company 0.0080 0.1218 0.0619 0.0922 Seeks capital appreciation. MFS® Mid Cap Growth Series, Initial Class Massachusetts Financial Services Company 0.0081 0.0366 0.0326 0.1160 Seeks capital appreciation. MFS® Mid Cap Value Portfolio, Initial Class Massachusetts Financial Services Company 0.0079 0.0598 0.1018 0.0995 Seeks a high level of total return consistent with a moderate level of risk relative to the other MFS Asset Allocation Portfolios. MFS® Moderate Allocation Portfolio, Initial Class Massachusetts Financial Services Company 0.0072 0.1129 0.0482 0.0762 Seeks capital appreciation. MFS® New Discovery Series, Initial Class Massachusetts Financial Services Company 0.0087 0.1296 -0.0028 0.1074 Seeks capital appreciation. MFS® Research International Portfolio, Initial Class Massachusetts Financial Services Company 0.0090 0.2205 0.0551 0.0754 Seeks maximum real return, consistent with prudent investment management. PIMCO CommodityRealReturn® Strategy Portfolio, Institutional Class Pacific Investment Management Company LLC 0.0304 0.1907 0.1072 0.0670 Seeks maximum real return, consistent with preservation of real capital and prudent investment management. PIMCO Real Return Portfolio, Institutional Class Pacific Investment Management Company LLC 0.0124 0.0801 0.0136 0.0337 Seeks maximum current income, consistent with preservation of capital and daily liquidity. PIMCO Short-Term Portfolio, Institutional Class Pacific Investment Management Company LLC 0.0050 0.0483 0.0340 0.0291 Seeks capital growth. Current income is a secondary objective. Putnam VT International Value Fund, Class IA Putnam Investment Management, LLC Franklin Advisers, Inc., Franklin Templeton Investment Management Limited and The Putnam Advisory Company, LLC 0.0081 0.3507 0.1277 0.0913 Seeks to provide long-term capital appreciation and reasonable current income. Vanguard® Balanced Portfolio Wellington Management Company, LLP 0.0020 0.1646 0.0929 0.1003 Seeks to provide current income and low to moderate capital appreciation. Vanguard® Conservative Allocation Portfolio Vanguard Global Equity Index Management 0.0012 0.1273 0.0422 0.0614 Seeks to provide long-term capital appreciation and income growth. Vanguard® Diversified Value Portfolio Hotchkis and Wiley Capital Management, LLC, Aristotle Capital Management, LLC and Harris Associates L.P 0.0028 0.1683 0.1324 0.1176 Seeks to provide an above-average level of current income and reasonable long-term capital appreciation. Vanguard® Equity Income Portfolio Vanguard Quantitative Equity Group and Wellington Management Company LLP 0.0029 0.1680 0.1259 0.1152 Seeks to track the performance of a benchmark index that measures the investment return of large-capitalization stocks. Vanguard® Equity Index Portfolio Vanguard Global Equity Index Management 0.0014 0.1770 0.1427 0.1466 Seeks to provide long-term capital appreciation. Vanguard® Growth Portfolio Wellington Management Company, LLP 0.0036 0.1689 0.1136 0.1558 Seeks to provide a high level of current income. Vanguard® High Yield Bond Portfolio Wellington Management Company, LLP and Vanguard Fixed Income Group 0.0024 0.0918 0.0405 0.0562 Seeks to provide long-term capital appreciation. Vanguard® International Portfolio Schroder Investment Management North America Inc. and Baillie Gifford Overseas Ltd. 0.0032 0.1997 0.0062 0.1048 Seeks to track the performance of a benchmark index that measures the investment return of mid-capitalization stocks. Vanguard® Mid-Cap Index Portfolio Vanguard Strategic Equity Index Management 0.0017 0.1154 0.0846 0.1077 Seeks to provide capital appreciation and a low to moderate level of current income. Vanguard® Moderate Allocation Portfolio Vanguard Global Equity Index Management 0.0012 0.1619 0.0651 0.0814 Seeks to provide a high level of income and moderate long-term capital appreciation by tracking the performance of a benchmark index that measures the performance of publicly traded equity REITs and other real estate related investments. Vanguard® Real Estate Index Portfolio Vanguard Strategic Equity Index Management 0.0026 0.0311 0.0451 0.0508 Seeks to provide current income with limited price volatility. Vanguard® Short-Term Investment-Grade Portfolio Vanguard Fixed Income Group 0.0014 0.0685 0.0223 0.0281 Seeks to track the performance of a broad, market-weighted bond index. Vanguard® Total Bond Market Index Portfolio Vanguard Fixed Income Group 0.0014 0.0694 -0.0051 0.0190 Seeks to track the performance of a benchmark index that measures the investment return of stocks issued by companies located in developed and emerging markets, excluding the United States. Vanguard® Total International Stock Market Index Portfolio Vanguard Global Equity Index Management 0.0009 0.3204 0.0788 Seeks to track the performance of a benchmark index that measures the investment return of the overall stock market. Vanguard® Total Stock Market Index Portfolio Vanguard Global Equity Index Management 0.0013 0.1693 0.1298 0.1410 This premium charge is deducted from each premium payment as it is processed (except if it is a premium that is transferred from another Company policy). Premium taxes are paid from this charge. Premium Taxes are paid by the Company from the Maximum Sales Charge Imposed On Premiums (Load). See CHARGES section for more information. The cost of insurance and several of the charges vary based on individual characteristics. The cost shown for these charges may not be representative of the charge you will pay. Ask for a Policy illustration or see your Policy for the charge applicable to you. Rate varies by Insured's, gender, rate class and Attained Age. "Charge for Representative Insured" charges assume an Insured who is male, best rate class, age 35 when the Policy is issued, a Specified Amount of $1,000,000, and that the Policy is in its second Policy year. The annual maximum charge is 0.90% in years 1 through 15 and 0.30% thereafter. Rate varies by Insured's gender, Issue Age, rate class, and the amount of time you have had your Policy. This is an administrative fee that is charged when the Accelerated Death Benefit for Terminal Illness Rider is exercised. This endorsement is standard if the Policy Owner elects the guideline premium test ("GPT") on the application. This endorsement is not available if the Policy Owner elects the cash value accumulation test ("CVAT") on the application. This fee is charged when the Overloan Protection Benefit Endorsement is exercised. The coverage amount is $25,000. "Charge for Representative Insured" assumes the rider benefit amount is $25,000. "Charge for Representative Insured" charges assume an Insured who is male, best rate class, age 35 when the rider is issued, a base Policy Specified Amount of $1,000,000 and that the rider coverage is in its second year. If there is no Policy Loan on the Policy, there is no loan interest charged. Net interest rate varies based on whether the Policy is in the first 5 Policy years or after the first 5 Policy years. Interest rates charged on amounts borrowed from the Policy, net of 1.0% guaranteed annual credited interest rate or 3.0% current annual credited interest rate. Current Expenses take into account expense reimbursement or fee waiver arrangements in place and reflect temporary fee reductions under such an arrangement. Ameritas Investment Partners, Inc. is an affiliate of Ameritas Life. FIDELITY, Contrafund and Equity-Income are registered service marks of FMR LLC. Used with permission. You could lose money by investing in the Fund. Although the Fund seeks to preserve the value of your investment at $1.00 per share, it cannot guarantee it will do so. An investment in the Fund is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. The Fund's sponsor has no legal obligation to provide financial support to the Fund, and you should not expect that the sponsor will provide financial support to the Fund at any time. "Standard & Poor's®," "S&P®," "S&P 500®," "Standard & Poor's 500," and "500" are trademarks of The McGraw-Hill Companies, Inc. and have been licensed for use by us. The Product is not sponsored, endorsed, sold or promoted by Standard & Poor's® and Standard & Poor's® makes no representation regarding the advisability of investing in the Product. The Statement of Additional Information sets forth certain additional disclaimers and limitations of liabilities on behalf of Standard & Poor's® as set forth in the Licensing Agreement between us and Standard & Poor's®. Vanguard is a trademark of The Vanguard Group, Inc.