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font-weight: bold;">FEES, EXPENSES, AND ADJUSTMENTS</div> </td> </tr> </table><table cellpadding="0" style="font-size: 10pt; width: 100%; border-spacing: 0px;"> <tr> <td style="width: 23.2%; vertical-align: top; border-bottom: #000000 2px solid;"> <div style="font-style: italic; font-weight: bold;">ARE THERE CHARGES OR ADJUSTMENTS FOR EARLY</div> <div style="font-style: italic; font-weight: bold;">WITHDRAWALS?</div> </td> <td colspan="4" style="width: 76.8%; vertical-align: top; border-bottom: #000000 2px solid;"> <div style="text-align: justify;"><b>Yes. </b> If you surrender or partially surrender (withdraw money from) your Contract, we may deduct a surrender charge when premium is withdrawn or applied to certain annuity options during the first eight years following the payment of the premium. The surrender charge is calculated as a percentage of your premium payment being withdrawn or annuitized during the applicable Contract Year. The amount of the surrender charge decreases over time, based on the Contract Year in which the surrender or partial surrender occur.<br/><br/></div> <div style="text-align: justify;">The maximum surrender charge is 8% of the premium payment withdrawn or Annuitized under a Non-Life Payment Option.  Withdrawals may also be subject to taxes or tax penalties.<br/><br/></div> <div style="text-align: justify;">For example, if you purchased a Contract and were to partially surrender (withdraw) the initial premium of $100,000 during the first Contract Year, you could be assessed a maximum charge of $8,000 on the amount surrendered.</div> <div style="text-align: justify;"> <br/> </div> <div style="text-align: justify; font-style: italic;">Reference <a href="#FEETABLE">Fee Table</a> an  <a href="#CHARGESANDDEDUCTIONS">Charges and Deductions - Surrender Charge</a>.</div> </td> </tr> </table><table cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000; border-spacing: 0px;"> <tr> <td style="width: 23.2%; vertical-align: top; border-bottom: #000000 2px solid;"> <div style="font-style: italic; font-weight: bold;">ARE THERE TRANSACTION CHARGES?</div> </td> <td colspan="4" style="width: 76.8%; vertical-align: top; border-bottom: #000000 2px solid;"> <div style="text-align: justify;"><b>Yes.</b> In addition to the surrender charge, you may be charged for other transactions such as when you complete more than six transfers during a Contract Year.</div> <div style="text-align: justify;"> <br/> </div> <div style="text-align: justify; font-style: italic;">Reference <a href="#FEETABLE">Fee Table</a> and <a href="#TRANSFERPROCESSINGFEE">Charges and Deductions - Transfer Processing Fee</a>.</div> </td> </tr> </table><table cellpadding="0" style="font-size: 10pt; width: 100%; border-spacing: 0px;"> <tr> <td style="width: 23.2%; vertical-align: top;"> <div style="font-style: italic; font-weight: bold;">ARE THERE ONGOING FEES AND EXPENSES?</div> </td> <td colspan="4" style="width: 76.8%; vertical-align: top; border-bottom: #000000 2px solid;"> <div style="text-align: center; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; font-weight: bold;"> </div> <div style="text-align: justify;"><b>Yes. </b> The table below describes the fees and expenses that you may pay each year, depending on the options you choose.  Please refer to your Contract specifications page for information about the specific fees you will pay each year based on the options you have elected.</div> </td> </tr> <tr> <td rowspan="8" style="width: 23.2%; vertical-align: top; border-bottom: #000000 2px solid;"> </td> <td colspan="2" style="width: 40.71%; vertical-align: top; background-color: #D9D9D9; border-bottom: #000000 2px solid;"> <div style="text-align: center; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; font-weight: bold;">Annual Fee</div> </td> <td style="width: 17.64%; vertical-align: top; background-color: #D9D9D9; border-bottom: #000000 2px solid;"> <div style="text-align: center; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; font-weight: bold;">Minimum</div> </td> <td style="width: 18.45%; vertical-align: top; background-color: #D9D9D9; border-bottom: #000000 2px solid;"> <div style="text-align: center; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; font-weight: bold;">Maximum</div> </td> </tr> <tr> <td colspan="2" style="width: 40.71%; vertical-align: top; border-bottom: #000000 2px solid;"> <div>Base Contract</div> </td> <td style="width: 17.64%; vertical-align: top; border-bottom: #000000 2px solid;"> <div style="text-align: center;">1.40%<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">1</sup></div> </td> <td style="width: 18.45%; vertical-align: top; border-bottom: #000000 2px solid;"> <div style="text-align: center;">1.40%<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">1</sup></div> </td> </tr> <tr> <td colspan="2" style="width: 40.71%; vertical-align: top; border-bottom: #000000 2px solid;"><span style="letter-spacing: normal; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; float: none; display: inline !important;">Portfolio Company fees and expenses</span> <div> </div> <div> </div> </td> <td style="width: 17.64%; vertical-align: top; border-bottom: #000000 2px solid;"> <div style="text-align: center;">0.27%<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">2</sup></div> </td> <td style="width: 18.45%; vertical-align: top; border-bottom: #000000 2px solid;"> <div style="text-align: center;">1.37%<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">2</sup></div> </td> </tr> <tr> <td colspan="2" style="width: 40.71%; vertical-align: top; border-bottom: #000000 2px solid;"> <div>Optional benefits available for an additional charge (for a single optional benefit, if elected):</div> </td> <td style="width: 17.64%; vertical-align: top; border-bottom: #000000 2px solid;"> <div style="text-align: center;">0.20%<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">3</sup></div> </td> <td style="width: 18.45%; vertical-align: top; border-bottom: #000000 2px solid;"> <div style="text-align: center;">0.95%<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">3</sup></div> </td> </tr> </table><table cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000; border-spacing: 0px;"> <tr> <td style="width: 23.2%; vertical-align: top;">  </td><td colspan="4" style="width: 76.8%; vertical-align: top; border-bottom: #000000 2px solid;"> <div style="text-align: center; font-variant: small-caps; font-weight: bold;"> </div> <div style="text-align: justify;">Because your Contract is customizable, the choices you make affect how much you will pay.  To help you understand the cost of owning you Contract, the following table shows the lowest and highest cost you could pay <span style="font-style: italic;">each year</span>, based on current charges.  This estimate assumes that you do not take withdrawals from the Contract, <span style="font-weight: bold;">which could add surrender charges that substantially increase costs</span>.</div> </td> </tr> <tr> <td style="width: 23.2%; vertical-align: top;">  </td><td style="width: 35.73%; vertical-align: top; background-color: #D9D9D9; border-bottom: 2px solid rgb(0, 0, 0);"> <div style="text-align: center; font-variant: small-caps; font-weight: bold;">Lowest Annual Cost:</div> <div style="text-align: center; font-variant: small-caps; font-weight: bold;">$1,969</div> </td> <td colspan="3" style="width: 41.07%; vertical-align: top; background-color: #D9D9D9; border-bottom: 2px solid rgb(0, 0, 0);"> <div style="text-align: center; font-variant: small-caps; font-weight: bold;">Highest Annual Cost:</div> <div style="text-align: center; font-variant: small-caps; font-weight: bold;">$4,442</div> </td> </tr> <tr> <td style="width: 23.2%; vertical-align: top;">  </td><td style="width: 35.73%; vertical-align: top; border-bottom: #000000 2px solid;"> <div>Assumes:</div> <div style="text-indent: 18pt;">•<span class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 9pt"> </span>Investment of $100,000</div> <div style="text-indent: 18pt;">•<span class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 9pt"> </span>5% annual appreciation</div> <div style="text-indent: 18pt;">•<span class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 9pt"> </span>Least expensive Portfolio Company fees and expenses</div> <div style="text-indent: 18pt;">•<span class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 9pt"> </span>No optional benefits</div> <div style="text-indent: 18pt;">•<span class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 9pt"> </span>No sales charges</div> <div style="text-indent: 18pt;">•<span class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 9pt"> </span>No additional purchase payments, transfers, or withdrawals</div> </td> <td colspan="3" style="width: 41.07%; vertical-align: top; border-bottom: #000000 2px solid;"> <div>Assumes:</div> <div style="text-indent: 18pt;">•<span class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 9pt"> </span>Investment of $100,000</div> <div style="text-indent: 18pt;">•<span class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 9pt"> </span>5% annual appreciation</div> <div style="text-indent: 18pt;">•<span class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 9pt"> </span>Most expensive combination of optional benefits and Portfolio Company fees and expenses</div> <div style="text-indent: 18pt;">•<span class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 9pt"> </span>No sales charges</div> <div style="text-indent: 18pt;">•<span class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 9pt"> </span>No additional purchase payments, transfers, or withdrawals</div> </td> </tr> <tr> <td style="width: 23.2%; vertical-align: top; border-bottom: #000000 2px solid;">  </td><td colspan="4" style="width: 76.8%; vertical-align: top; border-bottom: #000000 2px solid;"> <div style="font-style: italic;">Reference <a href="#FEETABLE">Fee Table</a>, <a href="#CHARGESANDDEDUCTIONS">Charges and Deductions</a>, and <a href="#APPENDIXAPORTFOLIOCOMPANI">Appendix A - Investment Options Available Under the Contract</a>.</div> </td> </tr> </table><div><sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">1</sup> As a percentage of average annual Variable Account Value during the accumulation period.</div><div><sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">2</sup> As a percentage of Portfolio assets.</div><div><sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">3</sup> As a percentage of the Guaranteed Withdrawal Balance.</div> <div style="font-style: italic; font-weight: bold;">ARE THERE CHARGES OR ADJUSTMENTS FOR EARLY</div> <div style="font-style: italic; font-weight: bold;">WITHDRAWALS?</div> <b>Yes. </b> If you surrender or partially surrender (withdraw money from) your Contract, we may deduct a surrender charge when premium is withdrawn or applied to certain annuity options during the first eight years following the payment of the premium. The surrender charge is calculated as a percentage of your premium payment being withdrawn or annuitized during the applicable Contract Year. The amount of the surrender charge decreases over time, based on the Contract Year in which the surrender or partial surrender occur. <div style="text-align: justify;">The maximum surrender charge is 8% of the premium payment withdrawn or Annuitized under a Non-Life Payment Option.  Withdrawals may also be subject to taxes or tax penalties.<br/><br/></div> <div style="text-align: justify;">For example, if you purchased a Contract and were to partially surrender (withdraw) the initial premium of $100,000 during the first Contract Year, you could be assessed a maximum charge of $8,000 on the amount surrendered.</div> <div style="text-align: justify;"> <br/> </div> Reference <a href="#FEETABLE">Fee Table</a> an  <a href="#CHARGESANDDEDUCTIONS">Charges and Deductions - Surrender Charge</a> 8 0.08 8000 <table cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000; border-spacing: 0px;"> <tr> <td style="width: 23.2%; vertical-align: top; border-bottom: #000000 2px solid;"> <div style="font-style: italic; font-weight: bold;">ARE THERE TRANSACTION CHARGES?</div> </td> <td colspan="4" style="width: 76.8%; vertical-align: top; border-bottom: #000000 2px solid;"> <div style="text-align: justify;"><b>Yes.</b> In addition to the surrender charge, you may be charged for other transactions such as when you complete more than six transfers during a Contract Year.</div> <div style="text-align: justify;"> <br/> </div> <div style="text-align: justify; font-style: italic;">Reference <a href="#FEETABLE">Fee Table</a> and <a href="#TRANSFERPROCESSINGFEE">Charges and Deductions - Transfer Processing Fee</a>.</div> </td> </tr> </table> <table cellpadding="0" style="font-size: 10pt; width: 100%; border-spacing: 0px;"> <tr> <td style="width: 23.2%; vertical-align: top;"> <div style="font-style: italic; font-weight: bold;">ARE THERE ONGOING FEES AND EXPENSES?</div> </td> <td colspan="4" style="width: 76.8%; vertical-align: top; border-bottom: #000000 2px solid;"> <div style="text-align: center; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; font-weight: bold;"> </div> <div style="text-align: justify;"><b>Yes. </b> The table below describes the fees and expenses that you may pay each year, depending on the options you choose.  Please refer to your Contract specifications page for information about the specific fees you will pay each year based on the options you have elected.</div> </td> </tr> <tr> <td rowspan="8" style="width: 23.2%; vertical-align: top; border-bottom: #000000 2px solid;"> </td> <td colspan="2" style="width: 40.71%; vertical-align: top; background-color: #D9D9D9; border-bottom: #000000 2px solid;"> <div style="text-align: center; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; font-weight: bold;">Annual Fee</div> </td> <td style="width: 17.64%; vertical-align: top; background-color: #D9D9D9; border-bottom: #000000 2px solid;"> <div style="text-align: center; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; font-weight: bold;">Minimum</div> </td> <td style="width: 18.45%; vertical-align: top; background-color: #D9D9D9; border-bottom: #000000 2px solid;"> <div style="text-align: center; font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; font-weight: bold;">Maximum</div> </td> </tr> <tr> <td colspan="2" style="width: 40.71%; vertical-align: top; border-bottom: #000000 2px solid;"> <div>Base Contract</div> </td> <td style="width: 17.64%; vertical-align: top; border-bottom: #000000 2px solid;"> <div style="text-align: center;">1.40%<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">1</sup></div> </td> <td style="width: 18.45%; vertical-align: top; border-bottom: #000000 2px solid;"> <div style="text-align: center;">1.40%<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">1</sup></div> </td> </tr> <tr> <td colspan="2" style="width: 40.71%; vertical-align: top; border-bottom: #000000 2px solid;"><span style="letter-spacing: normal; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; float: none; display: inline !important;">Portfolio Company fees and expenses</span> <div> </div> <div> </div> </td> <td style="width: 17.64%; vertical-align: top; border-bottom: #000000 2px solid;"> <div style="text-align: center;">0.27%<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">2</sup></div> </td> <td style="width: 18.45%; vertical-align: top; border-bottom: #000000 2px solid;"> <div style="text-align: center;">1.37%<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">2</sup></div> </td> </tr> <tr> <td colspan="2" style="width: 40.71%; vertical-align: top; border-bottom: #000000 2px solid;"> <div>Optional benefits available for an additional charge (for a single optional benefit, if elected):</div> </td> <td style="width: 17.64%; vertical-align: top; border-bottom: #000000 2px solid;"> <div style="text-align: center;">0.20%<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">3</sup></div> </td> <td style="width: 18.45%; vertical-align: top; border-bottom: #000000 2px solid;"> <div style="text-align: center;">0.95%<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">3</sup></div> </td> </tr> </table><table cellpadding="0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000; border-spacing: 0px;"> <tr> <td style="width: 23.2%; vertical-align: top;">  </td><td colspan="4" style="width: 76.8%; vertical-align: top; border-bottom: #000000 2px solid;"> <div style="text-align: center; font-variant: small-caps; font-weight: bold;"> </div> <div style="text-align: justify;">Because your Contract is customizable, the choices you make affect how much you will pay.  To help you understand the cost of owning you Contract, the following table shows the lowest and highest cost you could pay <span style="font-style: italic;">each year</span>, based on current charges.  This estimate assumes that you do not take withdrawals from the Contract, <span style="font-weight: bold;">which could add surrender charges that substantially increase costs</span>.</div> </td> </tr> <tr> <td style="width: 23.2%; vertical-align: top;">  </td><td style="width: 35.73%; vertical-align: top; background-color: #D9D9D9; border-bottom: 2px solid rgb(0, 0, 0);"> <div style="text-align: center; font-variant: small-caps; font-weight: bold;">Lowest Annual Cost:</div> <div style="text-align: center; font-variant: small-caps; font-weight: bold;">$1,969</div> </td> <td colspan="3" style="width: 41.07%; vertical-align: top; background-color: #D9D9D9; border-bottom: 2px solid rgb(0, 0, 0);"> <div style="text-align: center; font-variant: small-caps; font-weight: bold;">Highest Annual Cost:</div> <div style="text-align: center; font-variant: small-caps; font-weight: bold;">$4,442</div> </td> </tr> <tr> <td style="width: 23.2%; vertical-align: top;">  </td><td style="width: 35.73%; vertical-align: top; border-bottom: #000000 2px solid;"> <div>Assumes:</div> <div style="text-indent: 18pt;">•<span class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 9pt"> </span>Investment of $100,000</div> <div style="text-indent: 18pt;">•<span class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 9pt"> </span>5% annual appreciation</div> <div style="text-indent: 18pt;">•<span class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 9pt"> </span>Least expensive Portfolio Company fees and expenses</div> <div style="text-indent: 18pt;">•<span class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 9pt"> </span>No optional benefits</div> <div style="text-indent: 18pt;">•<span class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 9pt"> </span>No sales charges</div> <div style="text-indent: 18pt;">•<span class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 9pt"> </span>No additional purchase payments, transfers, or withdrawals</div> </td> <td colspan="3" style="width: 41.07%; vertical-align: top; border-bottom: #000000 2px solid;"> <div>Assumes:</div> <div style="text-indent: 18pt;">•<span class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 9pt"> </span>Investment of $100,000</div> <div style="text-indent: 18pt;">•<span class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 9pt"> </span>5% annual appreciation</div> <div style="text-indent: 18pt;">•<span class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 9pt"> </span>Most expensive combination of optional benefits and Portfolio Company fees and expenses</div> <div style="text-indent: 18pt;">•<span class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 9pt"> </span>No sales charges</div> <div style="text-indent: 18pt;">•<span class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 9pt"> </span>No additional purchase payments, transfers, or withdrawals</div> </td> </tr> <tr> <td style="width: 23.2%; vertical-align: top; border-bottom: #000000 2px solid;">  </td><td colspan="4" style="width: 76.8%; vertical-align: top; border-bottom: #000000 2px solid;"> <div style="font-style: italic;">Reference <a href="#FEETABLE">Fee Table</a>, <a href="#CHARGESANDDEDUCTIONS">Charges and Deductions</a>, and <a href="#APPENDIXAPORTFOLIOCOMPANI">Appendix A - Investment Options Available Under the Contract</a>.</div> </td> </tr> </table><div><sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">1</sup> As a percentage of average annual Variable Account Value during the accumulation period.</div><div><sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">2</sup> As a percentage of Portfolio assets.</div><div><sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">3</sup> As a percentage of the Guaranteed Withdrawal Balance.</div> 0.014 0.014 0.0027 0.0137 0.002 0.0095 <div style="text-align: justify;">Because your Contract is customizable, the choices you make affect how much you will pay.  To help you understand the cost of owning you Contract, the following table shows the lowest and highest cost you could pay <span style="font-style: italic;">each year</span>, based on current charges.  This estimate assumes that you do not take withdrawals from the Contract, <span style="font-weight: bold;">which could add surrender charges that substantially increase costs</span>.</div>   <div style="text-align: center; font-variant: small-caps; font-weight: bold;">Lowest Annual Cost:</div> <div style="text-align: center; font-variant: small-caps; font-weight: bold;">$1,969</div> <div style="text-align: center; font-variant: small-caps; font-weight: bold;">Highest Annual Cost:</div> <div style="text-align: center; font-variant: small-caps; font-weight: bold;">$4,442</div>   <div>Assumes:</div> <div style="text-indent: 18pt;">•<span class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 9pt"> </span>Investment of $100,000</div> <div style="text-indent: 18pt;">•<span class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 9pt"> </span>5% annual appreciation</div> <div style="text-indent: 18pt;">•<span class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 9pt"> </span>Least expensive Portfolio Company fees and expenses</div> <div style="text-indent: 18pt;">•<span class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 9pt"> </span>No optional benefits</div> <div style="text-indent: 18pt;">•<span class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 9pt"> </span>No sales charges</div> <div style="text-indent: 18pt;">•<span class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 9pt"> </span>No additional purchase payments, transfers, or withdrawals</div> <div>Assumes:</div> <div style="text-indent: 18pt;">•<span class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 9pt"> </span>Investment of $100,000</div> <div style="text-indent: 18pt;">•<span class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 9pt"> </span>5% annual appreciation</div> <div style="text-indent: 18pt;">•<span class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 9pt"> </span>Most expensive combination of optional benefits and Portfolio Company fees and expenses</div> <div style="text-indent: 18pt;">•<span class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 9pt"> </span>No sales charges</div> <div style="text-indent: 18pt;">•<span class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 9pt"> </span>No additional purchase payments, transfers, or withdrawals</div> 1969 4442 As a percentage of average annual Variable Account Value during the accumulation period. As a percentage of Portfolio assets. As a percentage of the Guaranteed Withdrawal Balance. <table cellpadding="0" id="z333d2e1011474fda9a9d6afcc28b13e1" style="font-size: 10pt; width: 100%; border-spacing: 0px;"> <tr> <td colspan="2" style="width: 100%; vertical-align: top; background-color: #D9D9D9; border-bottom: #000000 2px solid;"> <div style="text-align: center; font-size: 12pt;"><b>RISKS</b></div> </td> </tr> <tr> <td style="width: 23.31%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);"> <div style="font-style: italic;"> <div><b>IS THERE RISK OF LOSS FROM POOR PERFORMANCE?</b></div> </div> </td> <td style="width: 76.69%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);"> <div style="text-align: justify;"><b>Yes. </b> You can lose money by investing in this Contract, including loss of principal.</div> <div style="text-align: justify;"> <br/> </div> <div style="text-align: justify; font-style: italic;">Reference <a href="#PRINCIPALRISKSOFINVESTING">Principal Risks of Investing in the Contract</a>.</div> </td> </tr> <tr> <td style="width: 23.31%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);"> <div style="font-style: italic;"><b>IS THIS A SHORT-TERM INVESTMENT?</b></div> </td> <td style="width: 76.69%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);"> <div style="text-align: justify;"><b>No.  </b>This Contract is not designed for short-term investing and is not appropriate for an investor who needs ready access to cash.</div> <div style="text-align: justify;"> <br/> </div> <div style="text-align: justify;"> <div style="margin-bottom: 10pt; background-color: rgb(255, 255, 255);">Surrender charges apply for the first eight years following a premium payment and will reduce the value of your Contract if a surrender or partial surrenders are made or premium is applied to certain annuity options during that time.  Withdrawals may also be subject to taxes and tax penalties. In addition the tax deferral benefit is more beneficial to investors with a long-time horizon.</div> </div> <div style="text-align: justify; font-style: italic;">Reference <a href="#PRINCIPALRISKSOFINVESTING">Principal Risks of Investing in the Contract</a>, <a href="#THEFIXEDACCOUNT">The Fixed Account</a>, and <a href="#APPENDIXAPORTFOLIOCOMPANI">Appendix A - Investment Options Available Under the Contract</a>.</div> </td> </tr> <tr> <td style="width: 23.31%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);"> <div style="font-style: italic;"> <div><b>WHAT ARE THE RISKS ASSOCIATED WITH THE INVESTMENT OPTIONS?</b></div> </div> </td> <td style="width: 76.69%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);"> <div style="text-align: justify;">Investment in the Contract is subject to the risk of poor investment performance and can vary depending on the performance of each Subaccount.  The Subaccounts and the Fixed Account each have their own unique risks.  You should review all of the investment options before making an investment decision.</div> <div style="text-align: justify;"> <br/> </div> <div style="text-align: justify; font-style: italic;">Reference <a href="#PRINCIPALRISKSOFINVESTING">Principal Risks of Investing in the Contract.</a></div> </td> </tr> <tr> <td style="width: 23.31%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);"> <div style="font-style: italic;"> <div><b>WHAT ARE THE RISKS RELATED TO THE INSURANCE COMPANY?</b></div> </div> </td> <td style="width: 76.69%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);"> <div style="text-align: justify;">Investment in the Contract is subject to the risks related to Kansas City Life.  Any obligations, guarantees, and benefits of the Contract, including the Fixed Account investment option, are subject to the claims-paying ability of Kansas City Life.  If Kansas City Life experiences financial distress, it may not be able to meet its obligations to you.  More information about the financial condition of Kansas City Life, including its financial strength rating, is available upon request by contacting the Home Office.</div> <div style="text-align: justify;"> <br/> </div> <div style="text-align: justify; font-style: italic;">Reference <a href="#FINANCIALCONDITIONOFKANSA">Kansas City Life, The Variable Account and The Funds - Financial Condition of Kansas City Life</a>.</div> </td> </tr> </table> <div style="text-align: justify;"><b>Yes. </b> You can lose money by investing in this Contract, including loss of principal.</div> <div style="text-align: justify;"> <br/> </div> <div style="text-align: justify; font-style: italic;">Reference <a href="#PRINCIPALRISKSOFINVESTING">Principal Risks of Investing in the Contract</a>.</div> <div style="text-align: justify;"><b>No.  </b>This Contract is not designed for short-term investing and is not appropriate for an investor who needs ready access to cash.</div> <div style="text-align: justify;"> <br/> </div> <div style="text-align: justify;"> <div style="margin-bottom: 10pt; background-color: rgb(255, 255, 255);">Surrender charges apply for the first eight years following a premium payment and will reduce the value of your Contract if a surrender or partial surrenders are made or premium is applied to certain annuity options during that time.  Withdrawals may also be subject to taxes and tax penalties. In addition the tax deferral benefit is more beneficial to investors with a long-time horizon.</div> </div> <div style="text-align: justify; font-style: italic;">Reference <a href="#PRINCIPALRISKSOFINVESTING">Principal Risks of Investing in the Contract</a>, <a href="#THEFIXEDACCOUNT">The Fixed Account</a>, and <a href="#APPENDIXAPORTFOLIOCOMPANI">Appendix A - Investment Options Available Under the Contract</a>.</div> <div style="text-align: justify;">Investment in the Contract is subject to the risk of poor investment performance and can vary depending on the performance of each Subaccount.  The Subaccounts and the Fixed Account each have their own unique risks.  You should review all of the investment options before making an investment decision.</div> <div style="text-align: justify;"> <br/> </div> <div style="text-align: justify; font-style: italic;">Reference <a href="#PRINCIPALRISKSOFINVESTING">Principal Risks of Investing in the Contract.</a></div> <div style="text-align: justify;">Investment in the Contract is subject to the risks related to Kansas City Life.  Any obligations, guarantees, and benefits of the Contract, including the Fixed Account investment option, are subject to the claims-paying ability of Kansas City Life.  If Kansas City Life experiences financial distress, it may not be able to meet its obligations to you.  More information about the financial condition of Kansas City Life, including its financial strength rating, is available upon request by contacting the Home Office.</div> <div style="text-align: justify;"> <br/> </div> <div style="text-align: justify; font-style: italic;">Reference <a href="#FINANCIALCONDITIONOFKANSA">Kansas City Life, The Variable Account and The Funds - Financial Condition of Kansas City Life</a>.</div> <b style="font-size: 10pt;">Yes.</b><span style="font-size: 10pt; font-weight: bold; float: none; display: inline !important;"> </span><span style="font-size: 10pt; float: none; display: inline !important;">We allow one transfer each Contract Year from the Fixed Account. During the first eight Contract Years, the amount transferred from the Fixed Account may not exceed the greatest of: (1) 25% of the unloaned Fixed Account Value in the Fixed Account on the date of transfer (unless the balance after the transfer is less than $250, in which case we will transfer the entire amount); (2) the amount transferred out of the Fixed Account in the prior Contract Year; or (3) $2,000 (or the unloaned Fixed Account Value, if less). Beginning in the 9th Contract Year, there is no limitation on the amount transferred from the Fixed Account.</span>The first six transfers during each Contract Year are free.  We will assess a transfer processing fee of $25 for each additional transfer during such Contract Year.<br/><br/><span style="text-decoration-thickness: initial; float: none; display: inline !important;">We reserve the right to remove or substitute Portfolio Companies as investment options.  We also reserve the right to suspend or modify the transfer privilege, where permitted under applicable law.<br/><br/>If you elect the GMWB rider, you may not invest in the Fixed Account, the Portfolio Companies in which you may invest will be limited, and we may change the Portfolio Companies that are eligible for investment in the future.<br/><br/>Not all Portfolio Companies may be available in all states.<br/><br/><i>Reference <a href="#THEFIXEDACCOUNT">The Fixed Account</a>, <a href="#TRANSFERPROCESSINGFEE">Charges and Deductions - Transfer Processing Fee</a>, <a href="#THEFUNDS">Kansas City Life, the Variable Account and the Funds - The Funds</a>, <a href="#OPTIONALRIDER">Optional Rider</a>, and <a href="#APPENDIXAPORTFOLIOCOMPANI">Appendix A - Investment Options Available under the Contract</a>.</i></span> <div style="text-align: justify;"><b>Yes.</b>  The Contract offers a number of benefits.  Certain benefits, such as the GMWB, are subject to additional charges.  Benefits may not be available for all Issue Ages nor added after issue.  Optional riders may not be available in all states.  The GMWB limits the Portfolio Companies in which you may invest under the Contract, and we may change the Portfolio Companies that are eligible for investment in the future.  If you take withdrawals from your Contract Value that exceed limits specified by the GMWB rider in a Contract Year, the value of the GMWB may be reduced by more than the amount of the withdrawal or the rider may terminate. If you take withdrawals from your Contract Value, the amount payable under the GMDB may be reduced by more than the amount of the withdrawal.  We may stop offering the GMWB at any time.  Certain 403(b) contracts may impose restrictions on distributions.</div> <div style="text-align: justify;"> <br/> </div> Reference <a href="#PRINCIPALRISKSOFINVESTING">Principal Risks of Investing in the Contract</a>, <a href="#BENEFITSAVAILABLEUNDERTHE">Benefits Available Under the Contract</a>, <a href="#OPTIONALRIDER">Optional Rider</a>, <a href="#DEATHBENEFITBEFOREMATURIT">Description of the Contract - Death Benefit Before Maturity Date</a>, <a href="#CONTRACTLOANS">Description of the Contract - Contract Loans</a>, and <a href="#APPENDIXAPORTFOLIOCOMPANI">Appendix A - Investment Options Available Under the Contract</a>. <div style="text-align: justify;">Earnings on your Contract are taxed at ordinary income tax rates when you withdraw them, and you may have to pay a penalty if you take a withdrawal before age 59 ½.  The tax advantages provided by a variable annuity are already available with tax-qualified plans, including IRAs and Roth IRAs.  You should purchase the Contract within a tax-qualified plan only for reasons other than tax deferral.  We encourage you to consult your own tax adviser before making a purchase of the Contract.<br/><br/></div> <div style="text-align: justify; font-style: italic;">Reference <a href="#PRINCIPALRISKSOFINVESTING">Principal Risks of Investing in the Contract</a> and <a href="#FEDERALTAXSTATUS">Federal Tax Status</a>.</div> <div style="text-align: justify;">Commissions are paid to broker-dealers for the sale of Contracts.  In addition, we may pay an asset-based commission or other amounts in certain circumstances.  All or some of the payments received from Funds under distribution plans pursuant to Rule 12b-1 may be passed on to selling firms.  This conflict of interest may influence your investment professional to recommend this Contract over another investment.</div> <div style="text-align: justify;"> <br/> </div> <div style="text-align: justify; font-style: italic;">Reference <a href="#SALEOFTHECONTRACTS">Sale of the Contracts</a>.</div> <div style="margin-bottom: 8pt;">Some broker-dealers may have a financial incentive to offer a new contract in place of your existing insurance. You should replace (exchange) your existing contract only if you determine that the new contract is better for you than continuing to own your existing contract after comparing the features, fees, and risks of both contracts and considering any fees or penalties to terminate the existing contract.</div> <div style="text-align: justify; font-style: italic;">Reference <a href="#REPLACEMENTOFCONTRACTS">Description of the Contract - Replacement of Contracts</a>.</div> <div style="margin-bottom: 10pt; font-weight: bold;">FEE TABLE</div> <div style="text-align: justify; margin-bottom: 10pt; font-weight: bold;">The following tables describe the fees and expenses that you will pay when buying, owning, and surrendering or making withdrawals from the Contract. Please refer to your Contract specifications page for information about the specific fees you will pay each year based on the options you have elected.</div> <div style="text-align: justify; margin-bottom: 6pt; font-weight: bold;">The first table describes the fees and expenses that you will pay at the time that you buy the Contract, surrender or make withdrawals from the Contract, or transfer Contract value between investment options. State premium taxes may also be deducted.</div><div style="text-align: justify; margin-bottom: 6pt; font-weight: bold;">TRANSACTION EXPENSES</div> <table cellpadding="0" id="z984de2ae2a7a4e6abc2e3cfd84d598bf" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000; border-spacing: 0px;"> <tr> <td style="width: 54.24%; vertical-align: middle; border-bottom: #000000 2px solid;"> <div>Sales Load on Premium Payment</div> </td> <td style="width: 45.76%; vertical-align: middle; border-bottom: #000000 2px solid;"> <div>None</div> </td> </tr> <tr> <td style="width: 54.24%; vertical-align: middle; border-bottom: #000000 2px solid;"> <div>Maximum Surrender Charge (as a % of the premium payment withdrawn or Annuitized under a Non-Life Payment Option<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">4</sup>)</div> </td> <td style="width: 45.76%; vertical-align: middle; border-bottom: #000000 2px solid;"> <div>8%</div> </td> </tr> <tr> <td style="width: 54.24%; vertical-align: middle; border-bottom: #000000 2px solid;"> <div>Transfer Processing Fee</div> </td> <td style="width: 45.76%; vertical-align: middle; border-bottom: #000000 2px solid;"> <div>After the first 6 transfers in a Contract Year, we will charge $25 for each additional transfer during that Contract Year.  There is no fee for the first 6 transfers during a Contract Year.</div> </td> </tr> </table> <div style="margin-bottom: 6pt; font-weight: bold;"> <div style="text-align: justify; margin-bottom: 6pt; font-family: 'Times New Roman',Times,serif; font-weight: normal;"><sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">4</sup> We do not deduct a charge for sales expenses from the premium at the time it is paid.  However, we may deduct a surrender charge when the premium is withdrawn upon a surrender or partial surrender or applied to certain annuity options during the first eight Contract Years.  The surrender charge is calculated as a percentage of the premium payment being withdrawn or annuitized during the applicable Contract Year.  The amount of the surrender charge decreases over time.  The surrender charge percentages are shown below.</div> </div> <div style="margin-bottom: 6pt; font-weight: bold;"><span style="font-weight: normal;"> </span><br/> </div> <div style="margin-bottom: 6pt; font-weight: bold;">The next table describes the fees and expenses that you will pay each year during the time that you own the Contract (not including Portfolio Company fees and expenses).</div> <div style="text-align: justify; margin-bottom: 12pt; font-weight: bold;">If you choose to purchase an optional benefit, you will pay additional charges, as shown below.</div><div style="text-align: justify; font-weight: bold;">ANNUAL CONTRACT EXPENSES</div> <table cellpadding="0" id="z0082f7fbfaf24de0b485597b28e7a630" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000; border-spacing: 0px;"> <tr> <td style="width: 77.53%; vertical-align: middle; background-color: #D9D9D9; border-bottom: #000000 2px solid;"> </td> <td style="width: 22.47%; vertical-align: middle; background-color: #D9D9D9; border-bottom: #000000 2px solid;"> <div style="font-weight: bold;"><span style="text-decoration:underline">Maximum Charges</span></div> </td> </tr> <tr> <td style="width: 77.53%; vertical-align: middle; border-bottom: #000000 2px solid;"> <div>Administration Fee</div> </td> <td style="width: 22.47%; vertical-align: middle; border-bottom: #000000 2px solid;"> <div>$30 per Contract Year<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">5</sup></div> </td> </tr> <tr> <td style="width: 77.53%; vertical-align: middle; background-color: #D9D9D9; border-bottom: #000000 2px solid;"> <div style="font-style: italic; font-weight: bold;">Variable Account Annual Expenses (as a % of average annual Variable Account Value during the accumulation period)</div> </td> <td style="width: 22.47%; vertical-align: middle; background-color: #D9D9D9; border-bottom: #000000 2px solid;"> </td> </tr> <tr> <td style="width: 77.53%; vertical-align: middle; border-bottom: #000000 2px solid;"> <div>Base Contract Expenses</div> </td> <td style="width: 22.47%; vertical-align: middle; border-bottom: #000000 2px solid;"> <div>1.40%<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">6</sup></div> </td> </tr> <tr> <td style="width: 77.53%; vertical-align: middle; background-color: #D9D9D9; border-bottom: #000000 2px solid;"> <div style="font-style: italic; font-weight: bold;">Optional Rider Charges</div> </td> <td style="width: 22.47%; vertical-align: middle; background-color: #D9D9D9; border-bottom: #000000 2px solid;"> </td> </tr> <tr> <td style="width: 77.53%; vertical-align: middle; border-bottom: #000000 2px solid;"> <div>Guaranteed Minimum Death Benefit Expense Charge (as a percentage of average annual Variable Account Value)</div> </td> <td style="width: 22.47%; vertical-align: middle; border-bottom: #000000 2px solid;"> </td> </tr> <tr> <td style="width: 77.53%; vertical-align: middle; border-bottom: #000000 2px solid;"> <div style="margin-left: 18pt;">Annual Ratchet Guaranteed Minimum Death Benefit Option (optional)</div> </td> <td style="width: 22.47%; vertical-align: middle; border-bottom: #000000 2px solid;"> <div>0.20%</div> </td> </tr> <tr> <td style="width: 77.53%; vertical-align: middle; border-bottom: #000000 2px solid;"> <div style="margin-left: 18pt;">Enhanced Combination Guaranteed Minimum Death Benefit Option (optional)</div> </td> <td style="width: 22.47%; vertical-align: middle; border-bottom: #000000 2px solid;"> <div>0.35%</div> </td> </tr> <tr> <td style="width: 77.53%; vertical-align: middle; border-bottom: #000000 2px solid;"> <div>FIVE Plus<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">SM</sup> Guaranteed Minimum Withdrawal Benefit (as a percentage of the Guaranteed Withdrawal Balance)</div> </td> <td style="width: 22.47%; vertical-align: middle; border-bottom: #000000 2px solid;"> <div>1.20%<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">7</sup> (0.10% monthly)</div> </td> </tr> <tr> <td style="width: 77.53%; vertical-align: middle; border-bottom: #000000 2px solid;"> <div>Net Loan Interest Charge (as a percentage of amounts held in the loan account)</div> </td> <td style="width: 22.47%; vertical-align: middle; border-bottom: #000000 2px solid;"> <div>5.00%<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">8</sup></div> </td> </tr> </table> <div> <div><sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">5</sup> We will waive the annual administration fee if Contract Value is equal to or greater than $50,000 at the beginning of the applicable Contract Year.</div> <div><sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">6</sup> The Base Contract Expenses are comprised of a Mortality and Expense Risk Charge of 1.25% and an Asset Based Administrative Charge of 0.15%.</div> <div><sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">7</sup> The current annual charge for the FIVE Plus<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">SM</sup> Guaranteed Minimum Withdrawal Benefit is 0.95% multiplied by the Guaranteed Withdrawal Balance (assessed monthly; the monthly rate is 0.079%).</div> <div><sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">8</sup> The maximum guaranteed net cost of loans (available under section 403(b) TSA Qualified Contract) is 5% annually.  The maximum guaranteed net cost of a loan is the difference between the maximum loan interest charged (8%) and the minimum amount credited to the loan account (3%).</div> </div><div style="text-align: justify; margin-bottom: 10pt; font-weight: bold;">The next item shows the minimum and maximum total operating expenses charged by the Portfolio Companies that you may pay periodically during the time that you own the Contract. A complete list of Portfolio Companies available under the Contract, including their annual expenses, may be found at the back of this document.  Future expenses may be higher or lower.<br/> </div><div style="text-align: justify; margin-bottom: 3pt; font-weight: bold;">ANNUAL PORTFOLIO OPERATING EXPENSES<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">9</sup></div> <table cellpadding="0" id="z984fdb42464743cc9296ee367c5db7ee" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000; border-spacing: 0px;"> <tr> <td style="width: 63.06%; vertical-align: top; background-color: #D9D9D9; border-bottom: #000000 2px solid;"> </td> <td style="width: 15.62%; vertical-align: top; background-color: #D9D9D9; border-bottom: #000000 2px solid;"> <div style="text-align: center; font-weight: bold;"><span style="text-decoration:underline">Minimum</span></div> </td> <td style="width: 5.08%; vertical-align: top; background-color: #D9D9D9; border-bottom: #000000 2px solid;"> </td> <td style="width: 16.24%; vertical-align: top; background-color: #D9D9D9; border-bottom: #000000 2px solid;"> <div style="text-align: center; font-weight: bold;"><span style="text-decoration:underline">Maximum</span></div> </td> </tr> <tr> <td style="width: 63.06%; vertical-align: middle; border-bottom: #000000 2px solid;"> <div><span style="font-weight: bold;">Range of Portfolio Operating Expenses</span> (expenses that are deducted from Portfolio assets, including management fees, distribution or service fees (12b-1 fees), and other expenses-before any contractual waiver of fees and expenses)</div> </td> <td style="width: 15.62%; vertical-align: middle; border-bottom: #000000 2px solid;"> <div style="text-align: center;">0.27%</div> </td> <td style="width: 5.08%; vertical-align: middle; border-bottom: #000000 2px solid;"> </td> <td style="width: 16.24%; vertical-align: middle; border-bottom: #000000 2px solid;"> <div style="text-align: center;">1.37%</div> </td> </tr> </table> <div> <div><sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">9</sup> The portfolio expenses used to prepare this table were provided to Kansas City Life by the Fund(s) or their investment advisers.  The expenses shown are those incurred for the year ended December 31, 2025.  Current or future expenses may be greater or less than those shown.  If required by applicable law, Kansas City Life may deduct any redemption fees imposed by the Funds.</div> </div><div style="text-align: justify; margin-bottom: 10pt; font-weight: bold;">EXAMPLE OF CHARGES</div> <div style="text-align: justify; margin-bottom: 10pt; font-weight: bold;">This example is intended to help you compare the cost of investing in the Contract with the cost of investing in other annuity contracts that offer variable options.  The example shows the maximum costs of investing in the Contract, including Owner transaction expenses, the annual administration fee, Variable Account charges, the most expensive combination of optional benefits available for an additional charge (Enhanced Combination Guaranteed Minimum Death Benefit Option ("GMDB") charge and an annual Guaranteed Minimum Withdrawal Benefit ("GMWB") charge of 1.20% multiplied by the Guaranteed Withdrawal Balance), and highest annual portfolio operating expenses for the year ended December 31, 2025.</div> <div style="text-align: justify; margin-bottom: 10pt; font-weight: bold;">The example assumes all Contract Value is allocated to the Subaccounts.  Your costs could differ from those shown below if you invest in the Fixed Account.</div><div style="text-align: justify; margin-bottom: 10pt; font-weight: bold;">The example assumes that you invest $100,000 in the Contract for the time periods indicated.  The example also assumes that your investment has a 5% return each year.</div> <table cellpadding="0" class="DSPFListTable" id="zab2d8c58e92943cf9a056c114a69b9c9" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000; margin-bottom: 10pt; border-spacing: 0px;"> <tr> <td style="width: 18pt; vertical-align: top;">(1)</td> <td style="width: auto; vertical-align: top; text-align: justify;"> <div>If the Contract is surrendered or is annuitized under a Non-Life Payment Option at the end of the applicable time period:</div> </td> </tr> </table> <div style="text-align: justify; margin-top: 8pt; margin-bottom: 4pt; font-weight: bold;">Maximum Portfolio Expenses with the Enhanced Combination GMDB and with GMWB</div> <table cellpadding="0" id="z0769fde949f745788e414c00fa2819cd" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000; border-spacing: 0px;"> <tr> <td style="width: 24.14%; vertical-align: middle; background-color: #D9D9D9; border-bottom: #000000 2px solid;"> <div style="text-align: center;">1 year</div> </td> <td style="width: 25.85%; vertical-align: middle; background-color: #D9D9D9; border-bottom: #000000 2px solid;"> <div style="text-align: center;">3 years</div> </td> <td style="width: 24.14%; vertical-align: middle; background-color: #D9D9D9; border-bottom: #000000 2px solid;"> <div style="text-align: center;">5 years</div> </td> <td style="width: 25.88%; vertical-align: middle; background-color: #D9D9D9; border-bottom: #000000 2px solid;"> <div style="text-align: center;">10 years</div> </td> </tr> <tr> <td style="width: 24.14%; vertical-align: bottom; border-bottom: #000000 2px solid;"> <div style="text-align: center; background-color: rgb(255, 255, 255);">$11,570</div> </td> <td style="width: 25.85%; vertical-align: bottom; border-bottom: #000000 2px solid;"> <div style="text-align: center; background-color: rgb(255, 255, 255);">$19,469</div> </td> <td style="width: 24.14%; vertical-align: bottom; border-bottom: #000000 2px solid;"> <div style="text-align: center; background-color: rgb(255, 255, 255);">$26,520</div> </td> <td style="width: 25.88%; vertical-align: bottom; border-bottom: #000000 2px solid;"> <div style="text-align: center; background-color: rgb(255, 255, 255);">$44,422</div> </td> </tr> </table> <table cellpadding="0" class="DSPFListTable" id="z78ccba570d444816acf9b48d8eb400cf" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000; margin-bottom: 10pt; margin-top: 4pt; border-spacing: 0px;"> <tr> <td style="width: 18pt; vertical-align: top;">2)</td> <td style="width: auto; vertical-align: top; text-align: justify;"> <div>If the Contract is not surrendered or is annuitized under a Life Payment Option at the end of the applicable time period:</div> </td> </tr> </table> <div style="text-align: justify; margin-bottom: 4pt; font-weight: bold;">Maximum Portfolio Expenses with the Enhanced Combination GMDB and with GMWB</div> <table cellpadding="0" id="z654c887d8a6443a2b08b7a75905afa7d" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000; border-spacing: 0px;"> <tr> <td style="width: 25.67%; vertical-align: middle; background-color: #D9D9D9; border-bottom: #000000 2px solid;"> <div style="text-align: center;">1 year</div> </td> <td style="width: 25.33%; vertical-align: middle; background-color: #D9D9D9; border-bottom: #000000 2px solid;"> <div style="text-align: center;">3 years</div> </td> <td style="width: 23.64%; vertical-align: middle; background-color: #D9D9D9; border-bottom: #000000 2px solid;"> <div style="text-align: center;">5 years</div> </td> <td style="width: 25.36%; vertical-align: middle; background-color: #D9D9D9; border-bottom: #000000 2px solid;"> <div style="text-align: center;">10 years</div> </td> </tr> <tr> <td style="width: 25.67%; vertical-align: bottom; border-bottom: #000000 2px solid;"> <div style="text-align: center; background-color: rgb(255, 255, 255);">$4,330</div> </td> <td style="width: 25.33%; vertical-align: bottom; border-bottom: #000000 2px solid;"> <div style="text-align: center; background-color: rgb(255, 255, 255);">$13,062</div> </td> <td style="width: 23.64%; vertical-align: bottom; border-bottom: #000000 2px solid;"> <div style="text-align: center; background-color: rgb(255, 255, 255);">$21,893</div> </td> <td style="width: 25.36%; vertical-align: bottom; border-bottom: #000000 2px solid;"> <div style="text-align: center; background-color: rgb(255, 255, 255);">$44,422</div> </td> </tr> </table> <div><br/> </div> <div style="text-align: justify; margin-top: 10pt; margin-bottom: 10pt;">The example does not reflect transfer fees or premium taxes (which may range up to 3.5%, depending on the jurisdiction).</div> <div style="text-align: justify; margin-bottom: 10pt; font-weight: bold;">Please remember that the example is an illustration and does not represent past or future expenses.  Your actual expenses may be higher or lower than those shown.  Similarly, your rate of return may be more or less than the 5% assumed in the example.</div> <div style="text-align: justify; margin-bottom: 10pt;">The annual administration fee is $30.00 for Contracts with a Contract Value less than $50,000 at the beginning of the Contract Year.  There is no administration fee for Contracts with a Contract Value greater than or equal to $50,000 at the beginning of the Contract Year. </div> <div style="text-align: justify; margin-bottom: 10pt; font-weight: bold;">You should not consider the assumed expenses in the example to represent past or future expenses.  Actual expenses may be greater or less than those shown.  The assumed 5% annual rate of return is hypothetical and you should not view it as a representation of past or future annual returns.  Actual returns may be greater or less than the assumed amount.</div> <div style="text-align: justify; margin-bottom: 10pt; font-weight: bold;">The various Funds themselves or their investment advisers provided the expense information regarding the Funds.  The Funds and their investment advisers are not affiliated with us.  While we have no reason to doubt the accuracy of these figures provided by these non-affiliated Funds, we have not independently verified the figures.</div> <div style="text-align: justify; margin-bottom: 6pt; font-weight: bold;">TRANSACTION EXPENSES</div><table cellpadding="0" id="z984de2ae2a7a4e6abc2e3cfd84d598bf" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000; border-spacing: 0px;"> <tr> <td style="width: 54.24%; vertical-align: middle; border-bottom: #000000 2px solid;"> <div>Sales Load on Premium Payment</div> </td> <td style="width: 45.76%; vertical-align: middle; border-bottom: #000000 2px solid;"> <div>None</div> </td> </tr> <tr> <td style="width: 54.24%; vertical-align: middle; border-bottom: #000000 2px solid;"> <div>Maximum Surrender Charge (as a % of the premium payment withdrawn or Annuitized under a Non-Life Payment Option<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">4</sup>)</div> </td> <td style="width: 45.76%; vertical-align: middle; border-bottom: #000000 2px solid;"> <div>8%</div> </td> </tr> <tr> <td style="width: 54.24%; vertical-align: middle; border-bottom: #000000 2px solid;"> <div>Transfer Processing Fee</div> </td> <td style="width: 45.76%; vertical-align: middle; border-bottom: #000000 2px solid;"> <div>After the first 6 transfers in a Contract Year, we will charge $25 for each additional transfer during that Contract Year.  There is no fee for the first 6 transfers during a Contract Year.</div> </td> </tr> </table><div style="text-align: justify; margin-bottom: 6pt; font-family: 'Times New Roman',Times,serif; font-weight: normal;"><sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">4</sup> We do not deduct a charge for sales expenses from the premium at the time it is paid.  However, we may deduct a surrender charge when the premium is withdrawn upon a surrender or partial surrender or applied to certain annuity options during the first eight Contract Years.  The surrender charge is calculated as a percentage of the premium payment being withdrawn or annuitized during the applicable Contract Year.  The amount of the surrender charge decreases over time.  The surrender charge percentages are shown below.</div> 0 0.08 25 <div style="text-align: justify; font-weight: bold;">ANNUAL CONTRACT EXPENSES</div><table cellpadding="0" id="z0082f7fbfaf24de0b485597b28e7a630" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000; border-spacing: 0px;"> <tr> <td style="width: 77.53%; vertical-align: middle; background-color: #D9D9D9; border-bottom: #000000 2px solid;"> </td> <td style="width: 22.47%; vertical-align: middle; background-color: #D9D9D9; border-bottom: #000000 2px solid;"> <div style="font-weight: bold;"><span style="text-decoration:underline">Maximum Charges</span></div> </td> </tr> <tr> <td style="width: 77.53%; vertical-align: middle; border-bottom: #000000 2px solid;"> <div>Administration Fee</div> </td> <td style="width: 22.47%; vertical-align: middle; border-bottom: #000000 2px solid;"> <div>$30 per Contract Year<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">5</sup></div> </td> </tr> <tr> <td style="width: 77.53%; vertical-align: middle; background-color: #D9D9D9; border-bottom: #000000 2px solid;"> <div style="font-style: italic; font-weight: bold;">Variable Account Annual Expenses (as a % of average annual Variable Account Value during the accumulation period)</div> </td> <td style="width: 22.47%; vertical-align: middle; background-color: #D9D9D9; border-bottom: #000000 2px solid;"> </td> </tr> <tr> <td style="width: 77.53%; vertical-align: middle; border-bottom: #000000 2px solid;"> <div>Base Contract Expenses</div> </td> <td style="width: 22.47%; vertical-align: middle; border-bottom: #000000 2px solid;"> <div>1.40%<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">6</sup></div> </td> </tr> <tr> <td style="width: 77.53%; vertical-align: middle; background-color: #D9D9D9; border-bottom: #000000 2px solid;"> <div style="font-style: italic; font-weight: bold;">Optional Rider Charges</div> </td> <td style="width: 22.47%; vertical-align: middle; background-color: #D9D9D9; border-bottom: #000000 2px solid;"> </td> </tr> <tr> <td style="width: 77.53%; vertical-align: middle; border-bottom: #000000 2px solid;"> <div>Guaranteed Minimum Death Benefit Expense Charge (as a percentage of average annual Variable Account Value)</div> </td> <td style="width: 22.47%; vertical-align: middle; border-bottom: #000000 2px solid;"> </td> </tr> <tr> <td style="width: 77.53%; vertical-align: middle; border-bottom: #000000 2px solid;"> <div style="margin-left: 18pt;">Annual Ratchet Guaranteed Minimum Death Benefit Option (optional)</div> </td> <td style="width: 22.47%; vertical-align: middle; border-bottom: #000000 2px solid;"> <div>0.20%</div> </td> </tr> <tr> <td style="width: 77.53%; vertical-align: middle; border-bottom: #000000 2px solid;"> <div style="margin-left: 18pt;">Enhanced Combination Guaranteed Minimum Death Benefit Option (optional)</div> </td> <td style="width: 22.47%; vertical-align: middle; border-bottom: #000000 2px solid;"> <div>0.35%</div> </td> </tr> <tr> <td style="width: 77.53%; vertical-align: middle; border-bottom: #000000 2px solid;"> <div>FIVE Plus<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">SM</sup> Guaranteed Minimum Withdrawal Benefit (as a percentage of the Guaranteed Withdrawal Balance)</div> </td> <td style="width: 22.47%; vertical-align: middle; border-bottom: #000000 2px solid;"> <div>1.20%<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">7</sup> (0.10% monthly)</div> </td> </tr> <tr> <td style="width: 77.53%; vertical-align: middle; border-bottom: #000000 2px solid;"> <div>Net Loan Interest Charge (as a percentage of amounts held in the loan account)</div> </td> <td style="width: 22.47%; vertical-align: middle; border-bottom: #000000 2px solid;"> <div>5.00%<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">8</sup></div> </td> </tr> </table><div><sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">5</sup> We will waive the annual administration fee if Contract Value is equal to or greater than $50,000 at the beginning of the applicable Contract Year.</div><div><sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">6</sup> The Base Contract Expenses are comprised of a Mortality and Expense Risk Charge of 1.25% and an Asset Based Administrative Charge of 0.15%.</div><div><sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">7</sup> The current annual charge for the FIVE Plus<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">SM</sup> Guaranteed Minimum Withdrawal Benefit is 0.95% multiplied by the Guaranteed Withdrawal Balance (assessed monthly; the monthly rate is 0.079%).</div><div><sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">8</sup> The maximum guaranteed net cost of loans (available under section 403(b) TSA Qualified Contract) is 5% annually.  The maximum guaranteed net cost of a loan is the difference between the maximum loan interest charged (8%) and the minimum amount credited to the loan account (3%).</div> 30 0.014 0.002 0.0035 0.012 0.05 We will waive the annual administration fee if Contract Value is equal to or greater than $50,000 at the beginning of the applicable Contract Year. The Base Contract Expenses are comprised of a Mortality and Expense Risk Charge of 1.25% and an Asset Based Administrative Charge of 0.15%. The current annual charge for the FIVE Plus<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">SM</sup> Guaranteed Minimum Withdrawal Benefit is 0.95% multiplied by the Guaranteed Withdrawal Balance (assessed monthly; the monthly rate is 0.079%). The maximum guaranteed net cost of loans (available under section 403(b) TSA Qualified Contract) is 5% annually.  The maximum guaranteed net cost of a loan is the difference between the maximum loan interest charged (8%) and the minimum amount credited to the loan account (3%). <div style="text-align: justify; margin-bottom: 3pt; font-weight: bold;">ANNUAL PORTFOLIO OPERATING EXPENSES<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">9</sup></div><table cellpadding="0" id="z984fdb42464743cc9296ee367c5db7ee" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000; border-spacing: 0px;"> <tr> <td style="width: 63.06%; vertical-align: top; background-color: #D9D9D9; border-bottom: #000000 2px solid;"> </td> <td style="width: 15.62%; vertical-align: top; background-color: #D9D9D9; border-bottom: #000000 2px solid;"> <div style="text-align: center; font-weight: bold;"><span style="text-decoration:underline">Minimum</span></div> </td> <td style="width: 5.08%; vertical-align: top; background-color: #D9D9D9; border-bottom: #000000 2px solid;"> </td> <td style="width: 16.24%; vertical-align: top; background-color: #D9D9D9; border-bottom: #000000 2px solid;"> <div style="text-align: center; font-weight: bold;"><span style="text-decoration:underline">Maximum</span></div> </td> </tr> <tr> <td style="width: 63.06%; vertical-align: middle; border-bottom: #000000 2px solid;"> <div><span style="font-weight: bold;">Range of Portfolio Operating Expenses</span> (expenses that are deducted from Portfolio assets, including management fees, distribution or service fees (12b-1 fees), and other expenses-before any contractual waiver of fees and expenses)</div> </td> <td style="width: 15.62%; vertical-align: middle; border-bottom: #000000 2px solid;"> <div style="text-align: center;">0.27%</div> </td> <td style="width: 5.08%; vertical-align: middle; border-bottom: #000000 2px solid;"> </td> <td style="width: 16.24%; vertical-align: middle; border-bottom: #000000 2px solid;"> <div style="text-align: center;">1.37%</div> </td> </tr> </table><div><sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">9</sup> The portfolio expenses used to prepare this table were provided to Kansas City Life by the Fund(s) or their investment advisers.  The expenses shown are those incurred for the year ended December 31, 2025.  Current or future expenses may be greater or less than those shown.  If required by applicable law, Kansas City Life may deduct any redemption fees imposed by the Funds.</div> 0.0027 0.0137 The portfolio expenses used to prepare this table were provided to Kansas City Life by the Fund(s) or their investment advisers.  The expenses shown are those incurred for the year ended December 31, 2025.  Current or future expenses may be greater or less than those shown.  If required by applicable law, Kansas City Life may deduct any redemption fees imposed by the Funds. <div style="text-align: justify; margin-top: 8pt; margin-bottom: 4pt; font-weight: bold;">Maximum Portfolio Expenses with the Enhanced Combination GMDB and with GMWB</div><table cellpadding="0" id="z0769fde949f745788e414c00fa2819cd" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000; border-spacing: 0px;"> <tr> <td style="width: 24.14%; vertical-align: middle; background-color: #D9D9D9; border-bottom: #000000 2px solid;"> <div style="text-align: center;">1 year</div> </td> <td style="width: 25.85%; vertical-align: middle; background-color: #D9D9D9; border-bottom: #000000 2px solid;"> <div style="text-align: center;">3 years</div> </td> <td style="width: 24.14%; vertical-align: middle; background-color: #D9D9D9; border-bottom: #000000 2px solid;"> <div style="text-align: center;">5 years</div> </td> <td style="width: 25.88%; vertical-align: middle; background-color: #D9D9D9; border-bottom: #000000 2px solid;"> <div style="text-align: center;">10 years</div> </td> </tr> <tr> <td style="width: 24.14%; vertical-align: bottom; border-bottom: #000000 2px solid;"> <div style="text-align: center; background-color: rgb(255, 255, 255);">$11,570</div> </td> <td style="width: 25.85%; vertical-align: bottom; border-bottom: #000000 2px solid;"> <div style="text-align: center; background-color: rgb(255, 255, 255);">$19,469</div> </td> <td style="width: 24.14%; vertical-align: bottom; border-bottom: #000000 2px solid;"> <div style="text-align: center; background-color: rgb(255, 255, 255);">$26,520</div> </td> <td style="width: 25.88%; vertical-align: bottom; border-bottom: #000000 2px solid;"> <div style="text-align: center; background-color: rgb(255, 255, 255);">$44,422</div> </td> </tr> </table> 11570 19469 26520 44422 <div style="text-align: justify; margin-bottom: 4pt; font-weight: bold;">Maximum Portfolio Expenses with the Enhanced Combination GMDB and with GMWB</div><table cellpadding="0" id="z654c887d8a6443a2b08b7a75905afa7d" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000; border-spacing: 0px;"> <tr> <td style="width: 25.67%; vertical-align: middle; background-color: #D9D9D9; border-bottom: #000000 2px solid;"> <div style="text-align: center;">1 year</div> </td> <td style="width: 25.33%; vertical-align: middle; background-color: #D9D9D9; border-bottom: #000000 2px solid;"> <div style="text-align: center;">3 years</div> </td> <td style="width: 23.64%; vertical-align: middle; background-color: #D9D9D9; border-bottom: #000000 2px solid;"> <div style="text-align: center;">5 years</div> </td> <td style="width: 25.36%; vertical-align: middle; background-color: #D9D9D9; border-bottom: #000000 2px solid;"> <div style="text-align: center;">10 years</div> </td> </tr> <tr> <td style="width: 25.67%; vertical-align: bottom; border-bottom: #000000 2px solid;"> <div style="text-align: center; background-color: rgb(255, 255, 255);">$4,330</div> </td> <td style="width: 25.33%; vertical-align: bottom; border-bottom: #000000 2px solid;"> <div style="text-align: center; background-color: rgb(255, 255, 255);">$13,062</div> </td> <td style="width: 23.64%; vertical-align: bottom; border-bottom: #000000 2px solid;"> <div style="text-align: center; background-color: rgb(255, 255, 255);">$21,893</div> </td> <td style="width: 25.36%; vertical-align: bottom; border-bottom: #000000 2px solid;"> <div style="text-align: center; background-color: rgb(255, 255, 255);">$44,422</div> </td> </tr> </table> 4330 13062 21893 44422 <div style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left; color: #000000; "> <div> <div> <div style="margin-bottom: 10pt; font-weight: bold;">PRINCIPAL RISKS OF INVESTING IN THE CONTRACT</div> <div style="text-align: justify; text-indent: 18pt; margin-bottom: 10pt;"><span style="font-weight: bold; font-style: italic;">Not a Short-Term Investment.  </span>The Contract is not suitable as a short-term investment and is not appropriate for an investor who needs ready access to cash.  Withdrawals may be subject to surrender charges, taxes, and tax penalties.  Furthermore, certain 403(b) contracts may be subject to restrictions on distributions.</div> <div style="text-align: justify; text-indent: 18pt; margin-bottom: 10pt;"><span style="font-weight: bold; font-style: italic;">Investment Risk.</span> If you invest your Contract Value in one or more Subaccounts, then you will be subject to the risk that investment performance will be unfavorable and that the Contract Value will decrease.  There is no minimum guaranteed Contract Value.  The Contract Value may decrease if the investment performance of the Subaccounts (to which Contract Value is allocated) is negative or is not sufficiently positive to cover the charges deducted under the Contract.  During times of poor investment performance, these deductions will have an even greater impact on your Contract Value.  You could lose everything you invest.  If you allocate net Premiums to the Fixed Account, then we credit your Fixed Account Value with a declared rate of interest.  You assume the risk that the rate may decrease, although it will never be lower than a minimum guaranteed interest rate</div> <div style="text-align: justify; text-indent: 18pt; margin-bottom: 10pt;"><span style="font-weight: bold; font-style: italic;">Insurance Company Risks.  </span>Any obligations, guarantees and benefits of the Contract, including the Fixed Account Investment Option, are subject to the financial strength and claims paying ability of Kansas City Life Insurance Company. If the Company experiences financial distress, it may not be able to meet its obligations to you. More information about the financial condition of the Company is available upon request by contacting the Home Office</div> <div style="text-align: justify; text-indent: 18pt; margin-bottom: 10pt;"><span style="font-weight: bold; font-style: italic;">Tax Risks.</span> Under existing tax law there generally should be no federal income tax on increases in the Contract Value until a distribution under the Contract occurs.  A distribution includes an actual distribution of funds such as a surrender or annuity payment.  However, a distribution also includes a pledge or assignment of a Contract.  Generally, all or part of any distribution is taxable as ordinary income.  In addition, a penalty tax may apply to certain distributions made prior to the Owner reaching age 59½.  Special tax rules apply to Qualified Contracts, and distributions from Qualified Contracts may be subject to restrictions.  Governing federal tax statutes may be amended, revoked, or replaced by new legislation.  Changes in interpretation of these statutes may also occur.  We encourage you to consult your own tax adviser before making a purchase of the Contract.  (See “<a href="#FEDERALTAXSTATUS">FEDERAL TAX STATUS</a>”)</div> <div style="text-align: justify; margin-bottom: 10pt;">You should consult a qualified tax adviser for assistance in all Contract-related tax matters.</div> <div style="text-align: justify; text-indent: 18pt; margin-bottom: 10pt;"><span style="font-weight: bold; font-style: italic;">Surrender and Partial Surrender (withdrawal) Risks</span>. During the first eight Contract Years, we will deduct a surrender charge from the Contract Value when you surrender the Contract, make a partial surrender (withdrawal), or if you elect a Non-Life Payment Option.  We will not deduct a surrender charge if the surrender occurs after eight full Contract Years, if the amount is not subject to a surrender charge, or if the requirements for the waiver are met.  (See “<a href="#SURRENDERCHARGE">SURRENDER CHARGE</a>”)  In no event will the total surrender charges we assess under a Contract exceed 8% of the total premiums paid.</div> <div style="text-align: justify; margin-bottom: 10pt;">You should purchase the Contract only if you have the financial ability to keep it in force for a substantial period of time.  You should not purchase the Contract if you intend to surrender all or part of the Contract Value in the near future.  We designed the Contract to meet long-term financial goals. The Contract is not suitable as a short-term investment.</div> <div style="text-align: justify; margin-bottom: 10pt;">A surrender or partial surrender may have tax consequences. (See "<a href="#FEDERALTAXSTATUS">FEDERAL TAX STATUS</a>")</div> <div style="text-align: justify; text-indent: 18pt; margin-bottom: 10pt;"><span style="font-weight: bold; font-style: italic;">Restrictions on Distributions from Contracts Used to Fund 403(b) retirement plans. </span>The Code restricts surrenders and partial surrenders from 403(b) annuity contracts of elective contributions made in years after December 31, 1988, of earning on such contributions and of earning in such years on amounts held as of the year beginning before January 1, 1989. Distributions of such amounts may occur only upon the death of the employee, attainment of age 59 ½, severance from employment, disability or financial hardship. Other exceptions may be applicable under certain circumstances.</div> <div style="text-align: justify; text-indent: 18pt; margin-bottom: 10pt;"><span style="font-weight: bold; font-style: italic;">Loan Risks</span>. If your Contract is a section 403(b) TSA Qualified Contract, you may have the option of taking a Contract loan at any time after the first Contract Year if permitted by your employer’s section 403(b) plan.  A loan, whether or not repaid, will have a permanent effect on the death benefit and Contract Values because the investment results will apply only to the non-loaned portion of the Contract Value. Depending on the investment results of the Subaccounts or credited interest rates for the unloaned value in the Fixed Account while the loan is outstanding, the effect could be favorable or unfavorable.</div> <div style="text-align: justify; margin-bottom: 10pt;">A loan may have tax consequences. (See "<a href="#FEDERALTAXSTATUS">FEDERAL TAX STATUS</a>") In addition, allowing your contract to terminate due to indebtedness could have adverse tax consequences. (See “<a href="#CONTRACTLOANS">CONTRACT LOANS</a>”)</div> <div style="text-align: justify; margin-bottom: 10pt;"> <div style="text-indent: 18pt; margin-bottom: 10pt;"><span style="font-weight: bold; font-style: italic;">Risk of Changes to the Contract.  </span>You are subject to a risk that Kansas City Life may make certain changes to the Contract. The Company reserves the rights to make the following changes: (1) Where permitted, limit the number and amount of additional premium payments, (2) subject to applicable law, make additions to, deletion from or substitutions of the Portfolio Companies available for allocation, (3) where permitted, suspend or modify the transfer privilege, and (4) add, remove or substitute Designated Subaccounts available for investment under the GMWB rider.</div> </div> <div style="text-align: justify; text-indent: 18pt; margin-bottom: 6pt;"><br/> </div> <div style="text-align: justify; text-indent: 18pt; margin-bottom: 6pt;"> <br/> </div> <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">  </div> </div></div></div><div style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left; color: #000000; "> <div> <div style="text-indent: 18pt; margin-bottom: 10pt;"><span style="font-weight: bold; font-style: italic;">Risk of Frequent Transfers</span>. We have policies and procedures that attempt to detect frequent, large, programmed, or short-term transfers among the Subaccounts that may adversely affect other Owners and persons with rights under the Contracts. We employ various means to try to detect such transfer activity, but the detection and deterrence of harmful trading activity involves judgments that are inherently subjective. Our ability to detect such transfer activity may be limited by operational and technological systems, as well as our ability to predict strategies employed by Owners to avoid such detection. Accordingly, there is no assurance that we will prevent all transfer activity that may adversely affect Owners and other persons with interests under the Contracts. In addition, we cannot guarantee that the Funds will not be harmed by transfer activity related to other insurance companies and/or retirement plans that may invest in the Funds.</div> <div style="text-align: justify; text-indent: 18pt; margin-bottom: 10pt;"> <div style="text-align: left;"><span style="font-weight: bold; font-style: italic;"> <br/> </span></div> <div style="margin-bottom: 10pt;"><span style="font-weight: bold; font-style: italic;">Risks Associated with Contract Benefits</span>. If you elect the Five Plus<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">SM</sup> Guaranteed Minimum Withdrawal Benefit, you must allocate all premiums and Contract Value to the Designated Subaccounts on and after the Rider Effective Date. For certain Designated Subaccounts, risk and volatility mitigation is part of the Portfolio’s investment strategy, which investment strategy could reduce your investment return. The value of the GMWB rider may be significantly reduced if you take annual withdrawals that are greater than the Guaranteed Withdrawal Amount of the Lifetime Income Amount (after the Lifetime Income Date).  Such reduction in value may be more than the amount of the withdrawal and may cause the rider to terminate.  Loans permitted by 403(b) contracts, whether or not repaid, will have a permanent effect on the death benefit and Contract Value.  The longer the loan is outstanding, the greater the effect is likely to be. Loans (particularly if not repaid) make Contract termination more likely.<span style="mso-spacerun:yes">  </span> </div></div> <div style="text-align: justify; margin-bottom: 10pt;">If you select the Annual Ratchet Guaranteed Minimum Death Benefit Option or Enhanced Combination Guaranteed Minimum Death Benefit Option, issue requirements and the Monthly Guaranteed Minimum Death Benefit Charge will vary for each Guaranteed Minimum Death Benefit Option.  Withdrawals may reduce the amount payable under the GMDB by more than the amount of the withdrawal.  Any amount we pay in excess of your Contract Value is subject to our financial strength and claims-paying ability. There may also be tax consequences. Please consult your financial professional.</div> <div style="text-align: justify; text-indent: 18pt; margin-bottom: 10pt;"><span style="font-weight: bold; font-style: italic;">Cybersecurity and Business Continuity Risks. </span>We rely heavily on interconnected computer systems and digital data to conduct our variable product business activities. Because our variable product business is highly dependent upon the effective operation of our computer systems and those of our business partners, our business is vulnerable to disruptions from utility outages, and susceptible to operational and information security risks resulting from information systems failure (e.g., hardware and software malfunctions), and cyberattacks.  These risks include, among other things, the theft, misuse, corruption and destruction of data maintained online or digitally, interference with or denial of service, attacks on websites and other operational disruption and unauthorized release of confidential customer information.  Such systems failures and cyberattacks affecting us, any third-party administrator, the underlying funds, intermediaries and other affiliated or third-party service providers may adversely affect us and your Contract Value.  For instance, systems failures and cyberattacks may interfere with our processing of contract transactions, including the processing of orders from our website or with the underlying funds, impact our ability to calculate accumulation unit values, cause the release and possible destruction of confidential customer or business information, impede order processing, subject us and/or our service providers and intermediaries to regulatory fines and financial losses and/or cause reputational damage.  Cybersecurity risks may also impact the issuers of securities in which the underlying funds invest, which may cause the funds underlying your Contract to lose value.  There can be no assurance that we or the underlying funds or our service providers will avoid losses affecting your Contract due to cyberattacks or information security breaches in the future. The risk of cyberattacks may be higher during periods of geopolitical turmoil (such as the Russian invasion of Ukraine and the responses by the United States and other governments, and the recent military conflict between the United States and Iran).</div> <div style="text-align: justify; margin-bottom: 10pt;">We are also exposed to risks related to natural and man-made disasters and catastrophes, such as storms, fires, earthquakes, epidemics and terrorist acts, which could adversely affect our ability to administer the Contracts. Natural and man-made disasters may require a significant contingent of our employees to work from remote locations. During these periods, we could experience decreased productivity. In addition, system outages could impair our ability to operate effectively by preventing the workforce from working remotely and impair our ability to process Contract-related transactions or to calculate Contract values.</div> <div style="text-align: justify; margin-bottom: 10pt;">The Company outsources certain critical business functions to third parties and, in the event of a natural or man-made disaster, relies upon the successful implementation and execution of the business continuity planning of such entities. While the Company closely monitors the business continuity activities of these third parties, successful implementation and execution of their business continuity strategies are largely beyond the Company’s control. If one or more of the third parties to whom the Company outsources such critical business functions experience operational failures, the Company’s ability to administer the Contract could be impaired.</div></div></div><div style="margin: 0in 0in 10pt; font-size: 10pt; text-align: justify; text-indent: 0.25in;"><b><i><span style="font-family: TimesNewRoman, Times New Roman, Times, Baskerville, Georgia, serif;">Defined Outcome Funds Risk.</span></i></b><span style="font-family: TimesNewRoman, Times New Roman, Times, Baskerville, Georgia, serif;"> Each Invesco V.I. S&amp;P 500 Buffer Fund (the "Fund") seeks, over a specified annual period (called an "Outcome Period"), to provide returns that match those of the S&amp;P 500^® Index (the “Index”) up to an upside cap, while providing a buffer against the first 10% of Index losses (prior to taking into account any fees and expenses of the Fund). To receive the full benefit of the 10% buffer protection, Contract Value should be allocated to the Fund prior to the beginning of the Outcome Period and remain allocated to the Fund until the end of the Outcome Period. If Contract Value is allocated after the commencement of the Outcome Period or withdrawn before the end of the Outcome Period, investment returns may vary significantly. You will bear all Index losses exceeding 10%.</span></div><div style="margin: 0in 0in 10pt; font-size: 10pt; text-align: justify;"><span style="font-family: TimesNewRoman, Times New Roman, Times, Baskerville, Georgia, serif;">The upside cap establishes the maximum percentage return that the Funds can achieve during the Outcome Period (prior to taking into account any fees and expenses of the Fund). During an Outcome Period when the Index is rising, this may limit the return on your investment in an Invesco V.I. S&amp;P 500 Buffer Fund.</span></div><div style="margin: 0in 0in 10pt; font-size: 10pt; text-align: justify;"><span style="font-family: TimesNewRoman, Times New Roman, Times, Baskerville, Georgia, serif;">The specified outcomes of the Invesco V.I. S&amp;P 500 Buffer Funds may not be achieved. Furthermore, the Invesco V.I. S&amp;P 500 Buffer Funds are not guaranteed and, unlike guarantees, are not backed by Kansas City Life.</span></div><div style="margin: 0in 0in 10pt; font-size: 10pt; text-align: justify;"><span style="font-family: TimesNewRoman, Times New Roman, Times, Baskerville, Georgia, serif;">For additional risks associated with the Invesco V.I. S&amp;P Buffer Funds see the prospectuses for the Funds.</span></div> <div style="text-align: justify; text-indent: 18pt; margin-bottom: 10pt;"><span style="font-weight: bold; font-style: italic;">Not a Short-Term Investment.  </span>The Contract is not suitable as a short-term investment and is not appropriate for an investor who needs ready access to cash.  Withdrawals may be subject to surrender charges, taxes, and tax penalties.  Furthermore, certain 403(b) contracts may be subject to restrictions on distributions.</div> <div style="text-align: justify; text-indent: 18pt; margin-bottom: 10pt;"><span style="font-weight: bold; font-style: italic;">Investment Risk.</span> If you invest your Contract Value in one or more Subaccounts, then you will be subject to the risk that investment performance will be unfavorable and that the Contract Value will decrease.  There is no minimum guaranteed Contract Value.  The Contract Value may decrease if the investment performance of the Subaccounts (to which Contract Value is allocated) is negative or is not sufficiently positive to cover the charges deducted under the Contract.  During times of poor investment performance, these deductions will have an even greater impact on your Contract Value.  You could lose everything you invest.  If you allocate net Premiums to the Fixed Account, then we credit your Fixed Account Value with a declared rate of interest.  You assume the risk that the rate may decrease, although it will never be lower than a minimum guaranteed interest rate</div> <div style="text-align: justify; text-indent: 18pt; margin-bottom: 10pt;"><span style="font-weight: bold; font-style: italic;">Insurance Company Risks.  </span>Any obligations, guarantees and benefits of the Contract, including the Fixed Account Investment Option, are subject to the financial strength and claims paying ability of Kansas City Life Insurance Company. If the Company experiences financial distress, it may not be able to meet its obligations to you. More information about the financial condition of the Company is available upon request by contacting the Home Office</div> <div style="text-align: justify; text-indent: 18pt; margin-bottom: 10pt;"><span style="font-weight: bold; font-style: italic;">Tax Risks.</span> Under existing tax law there generally should be no federal income tax on increases in the Contract Value until a distribution under the Contract occurs.  A distribution includes an actual distribution of funds such as a surrender or annuity payment.  However, a distribution also includes a pledge or assignment of a Contract.  Generally, all or part of any distribution is taxable as ordinary income.  In addition, a penalty tax may apply to certain distributions made prior to the Owner reaching age 59½.  Special tax rules apply to Qualified Contracts, and distributions from Qualified Contracts may be subject to restrictions.  Governing federal tax statutes may be amended, revoked, or replaced by new legislation.  Changes in interpretation of these statutes may also occur.  We encourage you to consult your own tax adviser before making a purchase of the Contract.  (See “<a href="#FEDERALTAXSTATUS">FEDERAL TAX STATUS</a>”)</div><div style="text-align: justify; margin-bottom: 10pt;">You should consult a qualified tax adviser for assistance in all Contract-related tax matters.</div> <div style="text-align: justify; text-indent: 18pt; margin-bottom: 10pt;"><span style="font-weight: bold; font-style: italic;">Surrender and Partial Surrender (withdrawal) Risks</span>. During the first eight Contract Years, we will deduct a surrender charge from the Contract Value when you surrender the Contract, make a partial surrender (withdrawal), or if you elect a Non-Life Payment Option.  We will not deduct a surrender charge if the surrender occurs after eight full Contract Years, if the amount is not subject to a surrender charge, or if the requirements for the waiver are met.  (See “<a href="#SURRENDERCHARGE">SURRENDER CHARGE</a>”)  In no event will the total surrender charges we assess under a Contract exceed 8% of the total premiums paid.</div><div style="text-align: justify; margin-bottom: 10pt;">You should purchase the Contract only if you have the financial ability to keep it in force for a substantial period of time.  You should not purchase the Contract if you intend to surrender all or part of the Contract Value in the near future.  We designed the Contract to meet long-term financial goals. The Contract is not suitable as a short-term investment.</div><div style="text-align: justify; margin-bottom: 10pt;">A surrender or partial surrender may have tax consequences. (See "<a href="#FEDERALTAXSTATUS">FEDERAL TAX STATUS</a>")</div> <div style="text-align: justify; text-indent: 18pt; margin-bottom: 10pt;"><span style="font-weight: bold; font-style: italic;">Restrictions on Distributions from Contracts Used to Fund 403(b) retirement plans. </span>The Code restricts surrenders and partial surrenders from 403(b) annuity contracts of elective contributions made in years after December 31, 1988, of earning on such contributions and of earning in such years on amounts held as of the year beginning before January 1, 1989. Distributions of such amounts may occur only upon the death of the employee, attainment of age 59 ½, severance from employment, disability or financial hardship. Other exceptions may be applicable under certain circumstances.</div> <div style="text-align: justify; text-indent: 18pt; margin-bottom: 10pt;"><span style="font-weight: bold; font-style: italic;">Loan Risks</span>. If your Contract is a section 403(b) TSA Qualified Contract, you may have the option of taking a Contract loan at any time after the first Contract Year if permitted by your employer’s section 403(b) plan.  A loan, whether or not repaid, will have a permanent effect on the death benefit and Contract Values because the investment results will apply only to the non-loaned portion of the Contract Value. Depending on the investment results of the Subaccounts or credited interest rates for the unloaned value in the Fixed Account while the loan is outstanding, the effect could be favorable or unfavorable.</div><div style="text-align: justify; margin-bottom: 10pt;">A loan may have tax consequences. (See "<a href="#FEDERALTAXSTATUS">FEDERAL TAX STATUS</a>") In addition, allowing your contract to terminate due to indebtedness could have adverse tax consequences. (See “<a href="#CONTRACTLOANS">CONTRACT LOANS</a>”)</div> <div style="text-indent: 18pt; margin-bottom: 10pt;"><span style="font-weight: bold; font-style: italic;">Risk of Changes to the Contract.  </span>You are subject to a risk that Kansas City Life may make certain changes to the Contract. The Company reserves the rights to make the following changes: (1) Where permitted, limit the number and amount of additional premium payments, (2) subject to applicable law, make additions to, deletion from or substitutions of the Portfolio Companies available for allocation, (3) where permitted, suspend or modify the transfer privilege, and (4) add, remove or substitute Designated Subaccounts available for investment under the GMWB rider.</div> <div style="text-indent: 18pt; margin-bottom: 10pt;"><span style="font-weight: bold; font-style: italic;">Risk of Frequent Transfers</span>. We have policies and procedures that attempt to detect frequent, large, programmed, or short-term transfers among the Subaccounts that may adversely affect other Owners and persons with rights under the Contracts. We employ various means to try to detect such transfer activity, but the detection and deterrence of harmful trading activity involves judgments that are inherently subjective. Our ability to detect such transfer activity may be limited by operational and technological systems, as well as our ability to predict strategies employed by Owners to avoid such detection. Accordingly, there is no assurance that we will prevent all transfer activity that may adversely affect Owners and other persons with interests under the Contracts. In addition, we cannot guarantee that the Funds will not be harmed by transfer activity related to other insurance companies and/or retirement plans that may invest in the Funds.</div> <div style="margin-bottom: 10pt;"><span style="font-weight: bold; font-style: italic;">Risks Associated with Contract Benefits</span>. If you elect the Five Plus<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">SM</sup> Guaranteed Minimum Withdrawal Benefit, you must allocate all premiums and Contract Value to the Designated Subaccounts on and after the Rider Effective Date. For certain Designated Subaccounts, risk and volatility mitigation is part of the Portfolio’s investment strategy, which investment strategy could reduce your investment return. The value of the GMWB rider may be significantly reduced if you take annual withdrawals that are greater than the Guaranteed Withdrawal Amount of the Lifetime Income Amount (after the Lifetime Income Date).  Such reduction in value may be more than the amount of the withdrawal and may cause the rider to terminate.  Loans permitted by 403(b) contracts, whether or not repaid, will have a permanent effect on the death benefit and Contract Value.  The longer the loan is outstanding, the greater the effect is likely to be. Loans (particularly if not repaid) make Contract termination more likely.<span style="mso-spacerun:yes">  </span> </div><div style="text-align: justify; margin-bottom: 10pt;">If you select the Annual Ratchet Guaranteed Minimum Death Benefit Option or Enhanced Combination Guaranteed Minimum Death Benefit Option, issue requirements and the Monthly Guaranteed Minimum Death Benefit Charge will vary for each Guaranteed Minimum Death Benefit Option.  Withdrawals may reduce the amount payable under the GMDB by more than the amount of the withdrawal.  Any amount we pay in excess of your Contract Value is subject to our financial strength and claims-paying ability. There may also be tax consequences. Please consult your financial professional.</div> <div style="text-align: justify; text-indent: 18pt; margin-bottom: 10pt;"><span style="font-weight: bold; font-style: italic;">Cybersecurity and Business Continuity Risks. </span>We rely heavily on interconnected computer systems and digital data to conduct our variable product business activities. Because our variable product business is highly dependent upon the effective operation of our computer systems and those of our business partners, our business is vulnerable to disruptions from utility outages, and susceptible to operational and information security risks resulting from information systems failure (e.g., hardware and software malfunctions), and cyberattacks.  These risks include, among other things, the theft, misuse, corruption and destruction of data maintained online or digitally, interference with or denial of service, attacks on websites and other operational disruption and unauthorized release of confidential customer information.  Such systems failures and cyberattacks affecting us, any third-party administrator, the underlying funds, intermediaries and other affiliated or third-party service providers may adversely affect us and your Contract Value.  For instance, systems failures and cyberattacks may interfere with our processing of contract transactions, including the processing of orders from our website or with the underlying funds, impact our ability to calculate accumulation unit values, cause the release and possible destruction of confidential customer or business information, impede order processing, subject us and/or our service providers and intermediaries to regulatory fines and financial losses and/or cause reputational damage.  Cybersecurity risks may also impact the issuers of securities in which the underlying funds invest, which may cause the funds underlying your Contract to lose value.  There can be no assurance that we or the underlying funds or our service providers will avoid losses affecting your Contract due to cyberattacks or information security breaches in the future. The risk of cyberattacks may be higher during periods of geopolitical turmoil (such as the Russian invasion of Ukraine and the responses by the United States and other governments, and the recent military conflict between the United States and Iran).</div><div style="text-align: justify; margin-bottom: 10pt;">We are also exposed to risks related to natural and man-made disasters and catastrophes, such as storms, fires, earthquakes, epidemics and terrorist acts, which could adversely affect our ability to administer the Contracts. Natural and man-made disasters may require a significant contingent of our employees to work from remote locations. During these periods, we could experience decreased productivity. In addition, system outages could impair our ability to operate effectively by preventing the workforce from working remotely and impair our ability to process Contract-related transactions or to calculate Contract values.</div><div style="text-align: justify; margin-bottom: 10pt;">The Company outsources certain critical business functions to third parties and, in the event of a natural or man-made disaster, relies upon the successful implementation and execution of the business continuity planning of such entities. While the Company closely monitors the business continuity activities of these third parties, successful implementation and execution of their business continuity strategies are largely beyond the Company’s control. If one or more of the third parties to whom the Company outsources such critical business functions experience operational failures, the Company’s ability to administer the Contract could be impaired.</div> <div style="margin: 0in 0in 10pt; font-size: 10pt; text-align: justify; text-indent: 0.25in;"><b><i><span style="font-family: TimesNewRoman, Times New Roman, Times, Baskerville, Georgia, serif;">Defined Outcome Funds Risk.</span></i></b><span style="font-family: TimesNewRoman, Times New Roman, Times, Baskerville, Georgia, serif;"> Each Invesco V.I. S&amp;P 500 Buffer Fund (the "Fund") seeks, over a specified annual period (called an "Outcome Period"), to provide returns that match those of the S&amp;P 500^® Index (the “Index”) up to an upside cap, while providing a buffer against the first 10% of Index losses (prior to taking into account any fees and expenses of the Fund). To receive the full benefit of the 10% buffer protection, Contract Value should be allocated to the Fund prior to the beginning of the Outcome Period and remain allocated to the Fund until the end of the Outcome Period. If Contract Value is allocated after the commencement of the Outcome Period or withdrawn before the end of the Outcome Period, investment returns may vary significantly. You will bear all Index losses exceeding 10%.</span></div><div style="margin: 0in 0in 10pt; font-size: 10pt; text-align: justify;"><span style="font-family: TimesNewRoman, Times New Roman, Times, Baskerville, Georgia, serif;">The upside cap establishes the maximum percentage return that the Funds can achieve during the Outcome Period (prior to taking into account any fees and expenses of the Fund). During an Outcome Period when the Index is rising, this may limit the return on your investment in an Invesco V.I. S&amp;P 500 Buffer Fund.</span></div>The specified outcomes of the Invesco V.I. S&amp;P 500 Buffer Funds may not be achieved. Furthermore, the Invesco V.I. S&amp;P 500 Buffer Funds are not guaranteed and, unlike guarantees, are not backed by Kansas City Life <div style="margin-bottom: 10pt; font-size: 12pt; font-variant: small-caps; font-weight: bold;">BENEFITS AVAILABLE UNDER THE CONTRACT</div> <div style="font-weight: bold;">The following table summarizes information about the benefits available under the contract.</div> <div><br/> </div> <table cellpadding="0" id="z38ab3fb1c5124c42bbe32f9d8c628ced" style="font-size: 10pt; width: 100%; border-spacing: 0px; border-collapse: collapse;"> <tr> <td style="width: 12.37%; vertical-align: middle; background-color: #D9D9D9; border-bottom: #000000 2px solid;"> <div style="font-weight: bold;">Name of Benefit</div> </td> <td style="width: 21.3%; vertical-align: middle; background-color: #D9D9D9; border-bottom: #000000 2px solid;"> <div style="font-weight: bold;">Purpose</div> </td> <td style="width: 18.85%; vertical-align: middle; background-color: #D9D9D9; border-bottom: #000000 2px solid;"> <div style="font-weight: bold;">Is Benefit Standard or Optional</div> </td> <td style="width: 15.59%; vertical-align: middle; background-color: #D9D9D9; border-bottom: #000000 2px solid;"> <div style="font-weight: bold;">Maximum Fee</div> </td> <td style="width: 31.88%; vertical-align: middle; background-color: #D9D9D9; border-bottom: #000000 2px solid;"> <div style="font-weight: bold;">Brief Description or Restrictions / Limitations</div> </td> </tr> <tr> <td style="vertical-align: middle; border-bottom: 2px solid rgb(0, 0, 0);"><span style="letter-spacing: normal; text-align: start; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; float: none; display: inline !important;">Five Plus^SM Guaranteed Minimum Withdrawal Benefit</span></td> <td style="vertical-align: middle; border-bottom: 2px solid rgb(0, 0, 0);"><span style="letter-spacing: normal; text-align: start; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; float: none; display: inline !important;">Guarantees return of amounts invested in the Contract or minimum annual income payments provided that the conditions of the rider are satisfied</span></td> <td style="vertical-align: middle; border-bottom: 2px solid rgb(0, 0, 0);"><span style="letter-spacing: normal; text-align: start; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; float: none; display: inline !important;">Optional</span></td> <td style="vertical-align: middle; border-bottom: 2px solid rgb(0, 0, 0);"><span style="letter-spacing: normal; text-align: start; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; float: none; display: inline !important;">0.10% (monthly)  1.20%(annually) of the Guaranteed Withdrawal Balance</span></td> <td style="border-width: medium medium 2px; border-style: none none solid; border-color: currentcolor currentcolor rgb(0, 0, 0);"> <div>•     Covered Person must be between age 20 and 80</div><div>•     In order to receive certain benefits, the Covered Person must attain age 65 and remain living;</div><div>•     Must invest only in Designated Subaccounts, which may reduce investment return</div><div>•     Cannot invest in the Fixed Account</div><div>•     Additional premiums may be limited</div><div>•     Withdrawals that exceed specified limits in a Contract Year may reduce the value of the GMWB by more       than the amount of the withdrawal or the rider may terminate</div> </td> </tr> <tr> <td style="vertical-align: middle; border-bottom: 2px solid rgb(0, 0, 0);">Death Benefit    </td> <td style="vertical-align: middle; border-bottom: 2px solid rgb(0, 0, 0);">Provides death benefit equal to the Cash Surrender Value if the Owner predeceases the Annuitant</td> <td style="vertical-align: middle; border-bottom: 2px solid rgb(0, 0, 0);">Standard</td> <td style="vertical-align: middle; border-bottom: 2px solid rgb(0, 0, 0);">No Charge</td> <td style="vertical-align: middle; border-bottom: 2px solid rgb(0, 0, 0);"><span style="letter-spacing: normal; text-align: start; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; font-size: 12pt;">•   </span><span style="letter-spacing: normal; text-align: start; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; float: none; display: inline !important;">Only applies if Owner and Annuitant are not the same individual</span></td> </tr><tr> <td style="width: 12.37%; vertical-align: middle; border-bottom: #000000 2px solid;"> <div>Base Guaranteed Minimum Death Benefit Option</div> </td> <td style="border-width: medium medium 2px; border-style: none none solid; border-color: currentcolor currentcolor rgb(0, 0, 0);"> <div>Provides death benefit equal to the greater of:</div> <div>•    Premiums paid, proportionately adjusted for partial surrenders,       less any loan balance; or</div><div>•    Contract Value less any loan balance</div> </td> <td style="width: 18.85%; vertical-align: middle; border-bottom: #000000 2px solid;"> <div>Standard</div> </td> <td style="width: 15.59%; vertical-align: middle; border-bottom: #000000 2px solid;"> <div>No Charge</div> </td> <td style="width: 31.88%; vertical-align: middle; border-bottom: #000000 2px solid;"><span style="letter-spacing: normal; text-align: start; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; font-size: 12pt;">•   </span><span style="letter-spacing: normal; text-align: start; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; float: none; display: inline !important;">Available at issue and any time after</span><br/> <div><span style="font-size: 12pt;">•</span><span class="TRGRRTFtoHTMLTab" style="display: inline-block; font-size: 1px; width: 9pt;"> </span>Withdrawals may reduce the value of the GMDB by more than the amount of the withdrawal</div> </td> </tr> <tr> <td style="width: 12.37%; vertical-align: middle; border-bottom: #000000 2px solid;"> <div>Annual Ratchet Guaranteed Minimum Death Benefit Option</div> </td> <td style="border-bottom: 2px solid rgb(0, 0, 0); border-top: none; border-left: none; border-right: none;"> <div>Provides death benefit generally equal to the greater of:</div> <div>•    Base Guaranteed Minimum Death Benefit Option amount; or</div><div>•    Highest Contract Value as of a prior Contract Anniversary,      proportionately adjusted for partial surrenders, less any loan balance</div><div>For ages above 80, the death benefit will equal the greater of (i) the death benefit described above plus any additional premiums paid; or (ii) the Contract Value.</div> </td> <td style="width: 18.85%; vertical-align: middle; border-bottom: #000000 2px solid;"> <div>Optional</div> </td> <td style="width: 15.59%; vertical-align: middle; border-bottom: #000000 2px solid;"> <div>0.20%</div> </td> <td style="width: 31.88%; vertical-align: middle; border-bottom: #000000 2px solid;"> <div><span style="letter-spacing: normal; text-align: start; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; float: none; display: inline !important;">•    Only available at issue of the Contract</span></div><span style="letter-spacing: normal; text-align: start; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; float: none; display: inline !important;">•    Only available to Annuitants with Issue Ages of 75 or below</span><div><span style="letter-spacing: normal; text-align: start; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; float: none; display: inline !important;">•    Withdrawals may reduce the value of the GMDB by more than the amount of the withdrawal</span></div> </td> </tr> <tr> <td style="width: 12.37%; vertical-align: middle; border-bottom: #000000 2px solid;"> <div>Enhanced Combination Guaranteed Minimum Death Benefit Option</div> </td> <td style="border-bottom: 2px solid rgb(0, 0, 0); border-top: none; border-left: none; border-right: none;"> <div>Provides death benefit generally equal to the greatest of:</div> <div> •    Base Guaranteed Minimum Death Benefit Option amount; or</div><div> •    Premiums paid, accumulated annually at 5% interest of two times       total premiums paid, less surrenders and any loan balance; or</div><div> •    Highest Contract Value as of a prior Contract Anniversary,       proportionately adjusted for partial surrenders, less any loan balance</div><div>For ages above 80, the death benefit will equal the greater of (i) the death benefit described above as of the Contract Anniversary following the Annuitant's 80th birthday, adjusted proportionately for partial surrenders, less any loan balance and plus any premiums paid since that date; or (ii) the Contract Value.</div> </td> <td style="width: 18.85%; vertical-align: middle; border-bottom: #000000 2px solid;"> <div>Optional</div> </td> <td style="width: 15.59%; vertical-align: middle; border-bottom: #000000 2px solid;"> <div>0.35%</div> </td> <td style="width: 31.88%; vertical-align: middle; border-bottom: #000000 2px solid;"> <div><span style="letter-spacing: normal; text-align: start; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; float: none; display: inline !important;">•    Only available at issue of the Contract</span></div><span style="letter-spacing: normal; text-align: start; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; float: none; display: inline !important;">•    Only available to Annuitants with Issue Ages of 70 or below</span><div><span style="letter-spacing: normal; text-align: start; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; float: none; display: inline !important;">•    Withdrawals may reduce the value of the GMDB by more than the amount of the withdrawal</span></div> </td> </tr> <tr> <td style="width: 12.37%; vertical-align: middle; border-bottom: #000000 2px solid;"> <div>Nursing Home Waiver of Surrender Charge</div> </td> <td style="width: 21.3%; vertical-align: middle; border-bottom: #000000 2px solid;"> <div style="margin-left: 1.5pt;">Waiver of Surrender Charge if you are admitted to a nursing home</div> </td> <td style="width: 18.85%; vertical-align: middle; border-bottom: #000000 2px solid;"> <div>Standard</div> </td> <td style="width: 15.59%; vertical-align: middle; border-bottom: #000000 2px solid;"> <div>No Charge</div> </td> <td style="width: 31.88%; vertical-align: middle; border-bottom: #000000 2px solid;"> <div>•     Must provide satisfactory proof of admission to licensed nursing home;</div> <div>•     Contract Value must be paid out in equal amounts over a period of at least three years; and</div> <div>•     Must be confined to a licensed nursing home at least 90 days before waiver</div> </td> </tr><tr> <td style="vertical-align: middle; border-bottom: 2px solid rgb(0, 0, 0);">Contract Loan</td> <td style="vertical-align: middle; border-bottom: 2px solid rgb(0, 0, 0);">Allows you to borrow from the Contract using your Contract Value as collateral</td> <td style="vertical-align: middle; border-bottom: 2px solid rgb(0, 0, 0);">Standard</td> <td style="vertical-align: middle; border-bottom: 2px solid rgb(0, 0, 0);">5% net loan interest (as a percentage of amounts held in the loan account)</td> <td style="border-bottom: 2px solid rgb(0, 0, 0); border-top: none; border-left: none; border-right: none;"> <div>•     Only available under section 403(b) TSA Qualified Contracts, if permitted by employer's section 403(b)        plan</div><div>•     Only one loan per Contract Year</div><div>•     Minimum and maximum loan amounts apply</div><div>•     Loans may have adverse tax consequences</div> </td> </tr><tr> <td style="vertical-align: middle; border-bottom: 2px solid rgb(0, 0, 0);">Dollar Cost Averaging Plan</td> <td style="vertical-align: middle; border-bottom: 2px solid rgb(0, 0, 0);">Allows you to automatically transfer amounts from the Federated Hermes Government Money Fund II Subaccount to other Subaccounts on a monthly basis</td> <td style="vertical-align: middle; border-bottom: 2px solid rgb(0, 0, 0);">Standard</td> <td style="vertical-align: middle; border-bottom: 2px solid rgb(0, 0, 0);">No Charge</td> <td style="border-bottom: 2px solid rgb(0, 0, 0); border-top: none; border-left: none; border-right: none;"> <div>•     Minimum $250 transfer amount each month</div><div>•     Not allowed at the same time as Portfolio Rebalancing</div> </td> </tr><tr> <td style="vertical-align: middle; border-bottom: 2px solid rgb(0, 0, 0);">Portfolio Rebalancing Plan</td> <td style="vertical-align: middle; border-bottom: 2px solid rgb(0, 0, 0);">Automatically redistributes the accumulated balance of each Subaccount to equal a specified percentage of the Variable Account Value on a quarterly basis</td> <td style="vertical-align: middle; border-bottom: 2px solid rgb(0, 0, 0);">Standard</td> <td style="vertical-align: middle; border-bottom: 2px solid rgb(0, 0, 0);">No Charge</td> <td style="vertical-align: middle; border-bottom: 2px solid rgb(0, 0, 0);"><span style="letter-spacing: normal; text-align: start; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; font-size: 12pt; font-family: TimesNewRoman, Times New Roman, Times, Baskerville, Georgia, serif;"><span style="font-size: 10pt">•     Not allowed at the same time as Dollar Cost Averaging</span></span></td> </tr><tr> <td style="vertical-align: middle; border-bottom: 2px solid rgb(0, 0, 0);">Systematic Partial Surrender Plan</td> <td style="vertical-align: middle; border-bottom: 2px solid rgb(0, 0, 0);">Automatically surrenders a specified dollar amount from the Contract on a monthly, quarterly, semi-annual or annual basis</td> <td style="vertical-align: middle; border-bottom: 2px solid rgb(0, 0, 0);">Standard</td> <td style="vertical-align: middle; border-bottom: 2px solid rgb(0, 0, 0);">No Charge</td> <td style="border-bottom: 2px solid rgb(0, 0, 0); border-top: none; border-left: none; border-right: none;"> <div>•     Minimum $100 partial surrender amount</div><div>•     Partial surrenders may have adverse tax consequences</div> </td> </tr> </table><div style="margin-bottom: 10pt; font-weight: bold;">OPTIONAL RIDER</div><div style="text-align: justify; margin-bottom: 10pt; font-variant: small-caps; font-weight: bold;">FIVE PLUS<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">SM</sup> GUARANTEED MINIMUM WITHDRAWAL BENEFIT</div><div style="text-align: justify; margin-bottom: 10pt; font-weight: bold;">IMPORTANT TERMS</div> <div style="text-align: justify; text-indent: 18pt; margin-bottom: 10pt;"><span style="font-weight: bold; font-style: italic;">Covered Person</span> means:  the person whose life we use to determine the duration of the Lifetime Income Amount payments.  You should carefully consider who will be the Covered Person under the Five Plus<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">SM</sup> Guaranteed Minimum Withdrawal Benefit (the "GMWB") rider.  Under Qualified Contracts, the Covered Person must be the Owner.  Under Non-Qualified Contracts, the Covered Person must be the Owner, Annuitant, or Beneficiary.  Certain benefits under this rider depend on the age of the Covered Person and the relationship of the Owner to the Beneficiary.  (See "<a href="#LifetimeIncomeAmount">LIFETIME INCOME AMOUNT</a>" and "<a href="#DEATHBENEFITS">DEATH BENEFITS</a>")</div> <div style="text-align: justify; text-indent: 18pt; margin-bottom: 10pt;"><span style="font-weight: bold; font-style: italic;">Designated Subaccounts</span> means:  the Designated Subaccounts to which you can allocate premium and Contract Value under this rider.  The Designated Subaccounts available depend on the Rider Effective Date.</div> <div style="text-align: justify; text-indent: 18pt; margin-bottom: 10pt;"><span style="font-weight: bold; font-style: italic;">Excess Withdrawal</span> means:  a withdrawal, and any subsequent withdrawals in that Contract Year, that causes total withdrawals during a Contract Year to exceed the Guaranteed Withdrawal Amount; or a withdrawal, and any subsequent withdrawals in that Contract Year, that causes total withdrawals during a Contract Year after the Lifetime Income Date to exceed the Lifetime Income Amount.</div><div style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left; color: #000000; "> <div> <div style="text-align: justify; text-indent: 18pt; margin-bottom: 10pt;"><span style="font-weight: bold; font-style: italic;">Guaranteed Withdrawal Balance</span> means:  the total amount available for future periodic guaranteed withdrawals.</div> <div style="text-align: justify; text-indent: 18pt; margin-bottom: 10pt;"><span style="font-weight: bold; font-style: italic;">Guaranteed Withdrawal Amount</span> means:  the amount we guarantee to be available each Contract Year for withdrawal until the Guaranteed Withdrawal Balance reduces to zero.</div> <div style="text-align: justify; text-indent: 18pt; margin-bottom: 10pt;"><span style="font-weight: bold; font-style: italic;">Investment Strategy</span> means:  the currently available Designated Subaccounts to which you must allocate premium and Contract Value for this rider to remain in effect.</div> <div style="text-align: justify; text-indent: 18pt; margin-bottom: 10pt;"><span style="font-weight: bold; font-style: italic;">Rider Effective Date</span> means:  the Contract Anniversary date that the Five Plus<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">SM</sup> Guaranteed Minimum Withdrawal Benefit (the "GMWB") is effective from.</div> <div style="text-align: justify; text-indent: 18pt; margin-bottom: 10pt;"><span style="font-weight: bold; font-style: italic;">Lifetime Income Amount</span> means:  the amount we guarantee to be available each Contract Year for withdrawal during the life of the Covered Person while this rider is in effect.  The Lifetime Income Amount reduces to zero upon the death of the Covered Person or upon a change in a Non-Qualified Contract that removes the Covered Person from the Contract as an Owner, Beneficiary, or Annuitant or upon a change in a Qualified Contract that removes the Covered Person from the Contract as an Owner.</div> <div style="text-align: justify; text-indent: 18pt; margin-bottom: 10pt;"><span style="font-weight: bold; font-style: italic;">Lifetime Income Date</span> means:  the Contract Anniversary on or after the Covered Person reaches age 65, or the Rider Effective Date if the Covered Person is already age 65 or older at the time the rider is elected.</div> <div style="text-align: justify; text-indent: 18pt; margin-bottom: 10pt;"><span style="font-weight: bold; font-style: italic;">Withdrawal</span> means:  the amounts partially surrendered as described in the Contract, including any applicable surrender charges.</div> <div style="text-align: justify; text-indent: 18pt; margin-bottom: 10pt;"><span style="font-weight: bold; font-style: italic;">Settlement Phase</span> occurs:  when total withdrawals during the Contract Year are equal to or less than the Guaranteed Withdrawal Amount; and when the Contract Value reduces to zero; and either the Guaranteed Withdrawal Balance or the Lifetime Income Amount immediately after the withdrawal is greater than zero.</div> <div style="text-align: justify; margin-bottom: 10pt; font-style: italic;">Note: Illustrations of how the Guaranteed Minimum Withdrawal Benefit rider works are provided in <a href="#APPENDIXBGMWBRIDEREXAMPLE">Appendix B</a> to this Prospectus.</div> <div style="text-align: justify; margin-bottom: 10pt; font-weight: bold;">DESCRIPTION OF THE GMWB RIDER</div> <div style="text-align: justify; margin-bottom: 10pt;">If you are concerned that poor investment performance or market volatility in the Subaccounts may adversely impact the amount of money you can withdraw from the Contract, we offer for an additional charge an optional GMWB rider.  The GMWB provides alternative guarantees - which guarantee you receive depends on the amount of the withdrawals you take and the age of the Covered Person.  First, the GMWB guarantees the return of the amount of the single premium you have invested in the Contract, as long as you limit your withdrawals each Contract Year to the Guaranteed Withdrawal Amount (this guarantee is available both before and after the Lifetime Income Date).  Second, on and after the Lifetime Income Date, as long as you limit your annual withdrawals to the Lifetime Income Amount, the GMWB guarantees you annual payments of that amount for the rest of the Covered Person’s life, no matter how long the Covered Person lives, even after you have recovered your investment in the Contract and even if your Contract Value reduces to zero.  However, the maximum amount you may be able to withdraw as a Lifetime Income Amount may be less than if you continued to take withdrawals as a Guaranteed Withdrawal Amount.</div> <div style="text-align: justify; margin-bottom: 10pt; font-weight: bold;">Example:</div> <div style="text-align: justify; margin-bottom: 10pt;">Assume that you purchase a Contract with the GMWB when you are 55.  Your premium payment is $100,000.  You make annual withdrawals in each of the next ten years equal to the Guaranteed Withdrawal Amount, or $5,000 (5% of the premium payment of $100,000).  Assuming 0% net investment experience and no annual bonus amounts credited during each of the ten years, after the 10th Contract Year your Contract Value will be $50,000 and your Guaranteed Withdrawal Balance will be $50,000.  You are the Covered Person under the Contract and are now 65 years old.  You have reached the Lifetime Income Date.  If, in each Contract Year thereafter, you limited your annual withdrawals to the Lifetime Income Amount of $2,500 (5% of $50,000 on the Lifetime Income Date), you would be eligible to receive the Lifetime Income Amount of $2,500 annually for the rest of your life.  However, if you continued to withdraw $5,000 annually, you would be guaranteed to receive back your entire $100,000 premium payment because your annual withdrawals did not exceed the Guaranteed Withdrawal Amount.  You would then not be guaranteed to receive the Lifetime Income Amount annually for the rest of your life, because your annual withdrawals exceeded the Lifetime Income Amount of $2,500.</div> <div style="text-align: justify; margin-bottom: 10pt; font-style: italic; font-weight: bold;">The GMWB does not guarantee Contract Value or the performance of any investment option.</div> <div style="text-align: justify; margin-bottom: 10pt; font-style: italic; font-weight: bold;"> <br/> </div> <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">  </div></div></div><div style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left; color: #000000; "> <div> <div style="text-align: justify; margin-bottom: 10pt; font-weight: bold;">IMPORTANT CONSIDERATIONS</div> <table cellpadding="0" class="DSPFListTable" id="z15baf2fb617047859c91f053155eb1c7" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000; border-spacing: 0px;"> <tr> <td style="width: 18pt; vertical-align: top;">•</td> <td style="width: auto; vertical-align: top; text-align: justify;"> <div style="font-weight: bold;">If your annual withdrawals are greater than the Guaranteed Withdrawal Amount or the Lifetime Income Amount (after the Lifetime Income Date), the value of the GMWB rider may be significantly reduced.</div> </td> </tr> </table> <table cellpadding="0" class="DSPFListTable" id="zd81be19da5d146f3bbd4ddc891be536e" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000; border-spacing: 0px;"> <tr> <td style="width: 18pt; vertical-align: top;">•</td> <td style="width: auto; vertical-align: top; text-align: justify;"> <div style="font-weight: bold;">You must allocate your single premium payment and Contract Value to the Investment Strategy (described below) on and after the Rider Effective Date.</div> </td> </tr> </table> <table cellpadding="0" class="DSPFListTable" id="z38c4216e64bb4429bbf1da88c9269f2f" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000; border-spacing: 0px;"> <tr> <td style="width: 18pt; vertical-align: top;">•</td> <td style="width: auto; vertical-align: top; text-align: justify;"> <div>To maximize your potential to receive payments under the GMWB rider, you must limit your withdrawals to withdrawals that are not Excess Withdrawals each Contract Year and allocate your Contract Value according to the Investment Strategy options described below.  These restrictions are intended to minimize the risk that your Contract Value will be reduced to zero before death, thereby requiring us to make settlement payments.</div> </td> </tr> </table> <table cellpadding="0" class="DSPFListTable" id="zca861c39b510425b8105d101e4976693" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000; border-spacing: 0px;"> <tr> <td style="width: 18pt;"><br/> </td> <td style="width: 18pt; vertical-align: top;">•</td> <td style="width: auto; vertical-align: top; text-align: justify;"> <div>Accordingly, a significant risk against which the rider protects, i.e., that your Contract Value will reduce to zero (other than due to an Excess Withdrawal) while you are alive, may be minimal.</div> </td> </tr> </table> <table cellpadding="0" class="DSPFListTable" id="zebda6ffb2a83435f97e5a2c067e6b7ee" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000; border-spacing: 0px;"> <tr> <td style="width: 18pt;"><br/> </td> <td style="width: 18pt; vertical-align: top;">•</td> <td style="width: auto; vertical-align: top; text-align: justify;"> <div>Moreover, because these restrictions lessen the risk that your Contract Value will be reduced to zero while you are still alive, they also significantly reduce the risk that we will make any settlement payments.</div> </td> </tr> </table> <table cellpadding="0" class="DSPFListTable" id="z74311283cf994b60a762a185c0dd6526" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000; border-spacing: 0px;"> <tr> <td style="width: 18pt;"><br/> </td> <td style="width: 18pt; vertical-align: top;">•</td> <td style="width: auto; vertical-align: top; text-align: justify;"> <div>In fact, if your Contract’s investment performance over time is sufficient to generate gains that can sustain periodic withdrawals equal to or greater than the Guaranteed Withdrawal Balance, then your Contract Value will never be reduced to zero and we will never make settlement payments.</div> </td> </tr> </table> <table cellpadding="0" class="DSPFListTable" id="zd6f12fdac329478d9d6d4c1816406b23" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000; border-spacing: 0px;"> <tr> <td style="width: 18pt; vertical-align: top;">•</td> <td style="width: auto; vertical-align: top; text-align: justify;"> <div>For certain Designated Subaccounts, risk and volatility mitigation is part of the Portfolio’s investment strategy.  That investment strategy could reduce your investment return.</div> </td> </tr> </table> <table cellpadding="0" class="DSPFListTable" id="zc0d901666dbd4aaf9152cd170f9d1e31" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000; border-spacing: 0px;"> <tr> <td style="width: 18pt; vertical-align: top;">•</td> <td style="width: auto; vertical-align: top; text-align: justify;"> <div>The GMWB rider will end on the Maturity Date unless we are making payments under the Settlement Phase of the GMWB rider.</div> </td> </tr> </table> <table cellpadding="0" class="DSPFListTable" id="z22bfd2a4dfb34bd6be67e6f4d9b6a54c" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000; border-spacing: 0px;"> <tr> <td style="width: 18pt; vertical-align: top;">•</td> <td style="width: auto; vertical-align: top; text-align: justify;"> <div>We do not automatically increase your Guaranteed Withdrawal Balance when your Contract appreciates in value.  We will only increase your Guaranteed Withdrawal Balance if there is a step-up or bonus.</div> </td> </tr> </table> <table cellpadding="0" class="DSPFListTable" id="zab0e57dd80244566b293340b3166c56d" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000; border-spacing: 0px;"> <tr> <td style="width: 18pt; vertical-align: top;">•</td> <td style="width: auto; vertical-align: top; text-align: justify;"> <div>Please remember that all withdrawals, including those made under the GMWB rider, reduce your Contract Value and death benefit, may result in receipt of taxable income to the Owner under federal and state law, and if made before the Owner attains age 59½, may be subject to a 10% penalty tax.</div> </td> </tr> </table> <table cellpadding="0" class="DSPFListTable" id="z66d3838edc1e4aeb88c7c01d6ac5b9f7" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000; border-spacing: 0px;"> <tr> <td style="width: 18pt; vertical-align: top;">•</td> <td style="width: auto; vertical-align: top; text-align: justify;"> <div>Withdrawals under the GMWB rider are not annuity payments.  Annuity payments generally receive more favorable tax treatment than withdrawals.  (See "<a href="#FEDERALTAXISSUES">FEDERAL TAX ISSUES</a>")</div> </td> </tr> </table> <table cellpadding="0" class="DSPFListTable" id="z1396415b048b4723a50a44af51c35c6e" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000; border-spacing: 0px;"> <tr> <td style="width: 18pt; vertical-align: top;">•</td> <td style="width: auto; vertical-align: top; text-align: justify;"> <div>You will begin paying the GMWB rider charge as of the Rider Effective Date, even if you do not begin taking withdrawals for many years.</div> </td> </tr> </table> <table cellpadding="0" class="DSPFListTable" id="z3abde7e097ed4283b85cf99351538e72" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000; border-spacing: 0px;"> <tr> <td style="width: 18pt; vertical-align: top;">•</td> <td style="width: auto; vertical-align: top; text-align: justify;"> <div>If the Covered Person dies or is no longer an Owner, Beneficiary, or Annuitant of the Non-Qualified Contract or is no longer an Owner of the Qualified Contract, the Lifetime Income Amount reduces to zero.</div> </td> </tr> </table> <table cellpadding="0" class="DSPFListTable" id="ze566b6086a7a459989e2becbbc4f3245" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000; border-spacing: 0px;"> <tr> <td style="width: 18pt; vertical-align: top;">•</td> <td style="width: auto; vertical-align: top; text-align: justify;"> <div>To receive the full benefit of withdrawals for your lifetime, your Contract Value must be reduced to zero and the Annuitant must be living at that time.</div> </td> </tr> </table> <table cellpadding="0" class="DSPFListTable" id="z341551648b7848b797cfb3f4459cad7d" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000; border-spacing: 0px;"> <tr> <td style="width: 18pt; vertical-align: top;">•</td> <td style="width: auto; vertical-align: top; text-align: justify;"> <div>If you choose to not take withdrawals equal to or less than the Guaranteed Withdrawal Amount during each Contract Year, the remaining Guaranteed Withdrawal Amount may not be carried forward to any other Contract Year.</div> </td> </tr> </table> <table cellpadding="0" class="DSPFListTable" id="zec485488d08f433cb0b09705e7ac4b62" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000; border-spacing: 0px;"> <tr> <td style="width: 18pt; vertical-align: top;">•</td> <td style="width: auto; vertical-align: top; text-align: justify;"> <div>The GMWB rider may not be available in all states, and we may otherwise limit its availability.</div> </td> </tr> </table> <table cellpadding="0" class="DSPFListTable" id="zb0d53766e35b4b6994f2c47f1ddad5e4" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000; border-spacing: 0px;"> <tr> <td style="width: 18pt; vertical-align: top;">•</td> <td style="width: auto; vertical-align: top; text-align: justify;"> <div>If the Covered Person is the Owner and the Owner dies before the Settlement Phase, the Lifetime Income Amount will reduce to zero.  The benefits provided by this rider will only continue if the Beneficiary is the surviving spouse of the Owner, the death benefit or the Guaranteed Withdrawal Balance is greater than zero at the time the death benefit is determined, and the Beneficiary does not take the death benefit under the terms of the Contract.</div> </td> </tr> </table> <table cellpadding="0" class="DSPFListTable" id="z6a9052466afb4616a672c8099a16b67c" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000; border-spacing: 0px;"> <tr> <td style="width: 18pt; vertical-align: top;">•</td> <td style="width: auto; vertical-align: top; text-align: justify;"> <div>Surrender charges will apply to the withdrawals you take.  (See "<a href="#CHARGESANDDEDUCTIONS">CHARGES AND DEDUCTIONS</a>")</div> </td> </tr> </table> <table cellpadding="0" class="DSPFListTable" id="z48bbc9f380ed425d827504cf4a8b65a5" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000; border-spacing: 0px;"> <tr> <td style="width: 18pt; vertical-align: top;">•</td> <td style="width: auto; vertical-align: top; text-align: justify;"> <div>Inflation may impact the value of the GMWB rider.</div> </td> </tr> </table> <table cellpadding="0" class="DSPFListTable" id="z831539e6a27346a0941544a627d99b75" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000; border-spacing: 0px;"> <tr> <td style="width: 18pt; vertical-align: top;">•</td> <td style="width: auto; vertical-align: top; text-align: justify;"> <div>The addition of the GMWB rider to your Contract will not automatically cancel any Systematic Partial Surrender Plan you have established.  Since withdrawals more than your Guaranteed Withdrawal Amount may significantly reduce or eliminate your ability to make withdrawals on and after the Lifetime Income Date, you should consider adjusting your existing Systematic Partial Surrender Plan.</div> </td> </tr> </table> <table cellpadding="0" class="DSPFListTable" id="zb52ee30e86d64497be7f10534095d53d" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000; border-spacing: 0px;"> <tr> <td style="width: 18pt; vertical-align: top;">•</td> <td style="width: auto; vertical-align: top; text-align: justify;"> <div>Withdrawals for more than your Guaranteed Withdrawal Amount may eliminate your ability to make withdrawals on or after the Lifetime Income Date and, if certain conditions are met, may increase the likelihood that your Contract could be terminated.</div> </td> </tr> </table> <table cellpadding="0" class="DSPFListTable" id="z9e78fa5c491541f8aee1d864ba203a7e" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000; margin-bottom: 10pt; border-spacing: 0px;"> <tr> <td style="width: 18pt; vertical-align: top;">•</td> <td style="width: auto; vertical-align: top; text-align: justify;"> <div>Any amount we pay in excess of your Contract Value is subject to our financial strength and claims-paying ability.</div> </td> </tr> </table> <div style="text-align: justify; text-indent: 18pt; margin-bottom: 10pt; font-weight: bold;">You should not purchase the GMWB if:</div> <table cellpadding="0" class="DSPFListTable" id="z7dda786248a443ad948516629dbb299e" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000; border-spacing: 0px;"> <tr> <td style="width: 18pt; vertical-align: top;">•</td> <td style="width: auto; vertical-align: top; text-align: justify;"> <div>you expect to take annual withdrawals in excess of the Guaranteed Withdrawal Amount or the Lifetime Income Amount (after the Lifetime Income Date) because such Excess Withdrawals may significantly reduce or eliminate the value of the benefit;</div> </td> </tr> </table> <table cellpadding="0" class="DSPFListTable" id="z27b24b996cea470c835126ee965a6972" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000; border-spacing: 0px;"> <tr> <td style="width: 18pt; vertical-align: top;">•</td> <td style="width: auto; vertical-align: top; text-align: justify;"> <div>you are primarily interested in maximizing the Contract’s potential for long-term accumulation rather than building a Guaranteed Withdrawal Balance that will provide guaranteed withdrawals;</div> </td> </tr> </table> <table cellpadding="0" class="DSPFListTable" id="z61566da4dae2478c8eff516ba21e7637" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000; border-spacing: 0px;"> <tr> <td style="width: 18pt; vertical-align: top;">•</td> <td style="width: auto; vertical-align: top; text-align: justify;"> <div>your Contract is a Qualified Contract that has withdrawal restrictions that prevent you from taking withdrawals;</div> </td> </tr> </table> <table cellpadding="0" class="DSPFListTable" id="z1dd8264355dc4444b7862a41768d9432" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000; border-spacing: 0px;"> <tr> <td style="width: 18pt; vertical-align: top;">•</td> <td style="width: auto; vertical-align: top; text-align: justify;"> <div>you do not expect to take withdrawals; or</div> </td> </tr> </table> <table cellpadding="0" class="DSPFListTable" id="zd604c99ba9ad424697529bed976c3604" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000; margin-bottom: 10pt; border-spacing: 0px;"> <tr> <td style="width: 18pt; vertical-align: top;">•</td> <td style="width: auto; vertical-align: top; text-align: justify;"> <div>your intent is to be able to invest additional premium payments that would be covered by the GMWB.</div> </td> </tr> </table> <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">  </div></div></div><div style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left; color: #000000; "> <div> <div style="text-align: justify; margin-bottom: 10pt;"><br/> In considering whether to purchase the GMWB rider, you must consider your desire for protection and the cost of the rider versus the possibility that had you not purchased the GMWB rider, your Contract Value may have been higher.  The rider may not be appropriate for you if you plan to take Excess Withdrawals.  You should consult your financial professional to discuss whether the GMWB rider suits your needs.</div> <div style="text-align: justify; margin-bottom: 10pt; font-weight: bold;">WHEN TO TAKE WITHDRAWALS</div> <div style="text-align: justify; margin-bottom: 10pt;">You should carefully consider when to begin taking withdrawals if you have elected the GMWB rider.  If you begin taking withdrawals too soon, you may limit the value of the GMWB rider.  For example, you may not be able to increase your Guaranteed Withdrawal Balance and you may lose the potential for increases though step-ups and bonuses.  If you delay taking withdrawals for too long, you may limit the number of years available for you to take withdrawals in the future (due to life expectancy) and you may be paying for a benefit you are not using.</div> <div style="text-align: justify; margin-bottom: 10pt; font-weight: bold;">PURCHASING THE GMWB RIDER</div> <div style="text-align: justify; margin-bottom: 10pt;">You may elect the GMWB rider at the time you purchase a Contract or the rider may be added to an existing Contract provided:</div> <table cellpadding="0" class="DSPFListTable" id="z3c2a7f847a5f4d16bff75dbd5bac9b3d" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000; border-spacing: 0px;"> <tr> <td style="width: 18pt; vertical-align: top;">•</td> <td style="width: auto; vertical-align: top; text-align: justify;"> <div>the rider is available for sale in the state where the Contract is sold;</div> </td> </tr> </table> <table cellpadding="0" class="DSPFListTable" id="zf7e14ce0ff8d48d9b7f4babd9eadc243" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000; border-spacing: 0px;"> <tr> <td style="width: 18pt; vertical-align: top;">•</td> <td style="width: auto; vertical-align: top; text-align: justify;"> <div>you limit the investment of your single premium payment and Contract Value to the Investment Strategy options we make available with the rider;</div> </td> </tr> </table> <table cellpadding="0" class="DSPFListTable" id="zf2298692bf5b450d8144d350d6512bb6" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000; border-spacing: 0px;"> <tr> <td style="width: 18pt; vertical-align: top;">•</td> <td style="width: auto; vertical-align: top; text-align: justify;"> <div>the Covered Person has attained age 20 and has not yet attained age 81; and</div> </td> </tr> </table> <table cellpadding="0" class="DSPFListTable" id="z12228ad887b4473bac1c0c3ad8e1b69f" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000; margin-bottom: 10pt; border-spacing: 0px;"> <tr> <td style="width: 18pt; vertical-align: top;">•</td> <td style="width: auto; vertical-align: top; text-align: justify;"> <div>the Contract does not have a loan balance.</div> </td> </tr> </table> <div style="text-align: justify; margin-bottom: 10pt;">We reserve the right to refuse to issue the GMWB rider at our sole discretion.</div> <div style="text-align: justify; margin-bottom: 10pt; font-weight: bold;">GUARANTEED WITHDRAWAL BALANCE</div> <div style="text-align: justify; margin-bottom: 10pt;">The Guaranteed Withdrawal Balance<span style="font-weight: bold;"> </span>is used to calculate the Guaranteed Withdrawal Amount and Lifetime Income Amount.  Your Guaranteed Withdrawal Balance<span style="font-weight: bold;"> </span>is not permitted to exceed $5 million.  The initial Guaranteed Withdrawal Balance is equal to your premium, or if the GMWB rider is added after the Contract Date, the initial Guaranteed Withdrawal Balance is the Contract Value on the Rider Effective Date.  The Guaranteed Withdrawal Balance may increase as a result of a bonus or step-up and it will decrease as a result of a withdrawal.  (See "<a href="#BONUS">BONUS</a>," "<a href="#STEP-UPS">STEP-UPS</a>," and "<a href="#EffectofWithdrawalsontheG">EFFECT OF WITHDRAWALS ON THE GUARANTEED WITHDRAWAL BALANCE AND THE GUARANTEED WITHDRAWAL AMOUNT</a>")  The Guaranteed Withdrawal Balance is not a cash value or surrender value, is not available to the Owner, Annuitant or Beneficiary, is not a minimum return for any Subaccount, is not a guarantee of Contract Value, and may not be withdrawn as a lump sum.</div> <div style="text-align: justify; margin-bottom: 10pt; font-weight: bold;">GUARANTEED WITHDRAWAL AMOUNT</div> <div style="text-align: justify; margin-bottom: 10pt;">The Guaranteed Withdrawal Amount is the amount we guarantee to be available each Contract Year for withdrawal until the Guaranteed Withdrawal Balance reduces to zero while the GMWB rider is in effect.  The maximum Guaranteed Withdrawal Amount at any time is $250,000.  The initial Guaranteed Withdrawal Amount is equal to 5% of the initial Guaranteed Withdrawal Balance.</div> <div style="text-align: justify; margin-bottom: 10pt; font-weight: bold;">LIFETIME INCOME AMOUNT</div> <div style="text-align: justify; margin-bottom: 10pt;">The Lifetime Income Amount is the amount we guarantee to be available each Contract Year, on and after the Lifetime Income Date, for withdrawal during the life of the Covered Person while the GMWB rider is in effect.  We determine the initial Lifetime Income Amount on the Lifetime Income Date. The initial Lifetime Income Amount is equal to 5% of the Guaranteed Withdrawal Balance at the time we make our determination.  The Lifetime Income Amount reduces to zero upon the death of the Covered Person or upon a change on a Non-Qualified Contract that removes the Covered Person from the Contract as an Owner, Beneficiary, or Annuitant or upon a change on a Qualified Contract that removes the Covered Person from the Contract as an Owner.</div> <div style="text-align: justify; margin-bottom: 10pt;"><span style="font-weight: bold; font-style: italic;">Effect of Withdrawals on the Guaranteed Withdrawal Balance and the Guaranteed Withdrawal Amount.</span>  If your total withdrawals during a Contract Year are less than or equal to the Guaranteed Withdrawal Amount, we will decrease the Guaranteed Withdrawal Balance by the amount of the withdrawals.  If a withdrawal causes total withdrawals during a Contract Year to exceed the Guaranteed Withdrawal Amount or if total withdrawals during a Contract Year have already </div> <div style="text-align: justify; margin-bottom: 10pt;"> <br/> </div> <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">  </div></div></div><div style="text-align: justify; margin-bottom: 10pt;">exceeded the Guaranteed Withdrawal Amount (referred to as "Excess Withdrawals"), we will automatically reset the Guaranteed Withdrawal Balance to equal the lesser of:</div> <table cellpadding="0" class="DSPFListTable" id="za3d7725a9d8b4275a813a2a6950bcf53" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000; border-spacing: 0px;"> <tr> <td style="width: 18pt; vertical-align: top;">•</td> <td style="width: auto; vertical-align: top; text-align: justify;"> <div>the Contract Value immediately after the Excess Withdrawal; or</div> </td> </tr> </table> <table cellpadding="0" class="DSPFListTable" id="ze2758aa354ff4c92a0a92fb69c74591d" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000; margin-bottom: 10pt; border-spacing: 0px;"> <tr> <td style="width: 18pt; vertical-align: top;">•</td> <td style="width: auto; vertical-align: top; text-align: justify;"> <div>the Guaranteed Withdrawal Balance immediately prior to the Excess Withdrawal minus the amount of the Excess Withdrawal.</div> </td> </tr> </table> <div style="text-align: justify; margin-bottom: 10pt;">Each time we reset the Guaranteed Withdrawal Balance, we also recalculate the Guaranteed Withdrawal Amount.</div> <div style="text-align: justify; margin-bottom: 10pt;">The Guaranteed Withdrawal Amount will equal the lesser<span style="font-style: italic;"> </span>of:</div> <table cellpadding="0" class="DSPFListTable" id="z4634f53755564260878e808728991e44" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000; border-spacing: 0px;"> <tr> <td style="width: 18pt; vertical-align: top;">•</td> <td style="width: auto; vertical-align: top; text-align: justify;"> <div>the Guaranteed Withdrawal Amount immediately prior to the Excess Withdrawal; or</div> </td> </tr> </table> <table cellpadding="0" class="DSPFListTable" id="z9b592524282f4cd8b5543887134cf368" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000; border-spacing: 0px;"> <tr> <td style="width: 18pt; vertical-align: top;">•</td> <td style="width: auto; vertical-align: top; text-align: justify;"> <div>5% multiplied by the greater of:</div> </td> </tr> </table> <table cellpadding="0" class="DSPFListTable" id="ze7c62e4773684845affc09750125bbdc" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000; border-spacing: 0px;"> <tr> <td style="width: 18pt;"><br/> </td> <td style="width: 18pt; vertical-align: top;">•</td> <td style="width: auto; vertical-align: top; text-align: justify;"> <div>the Contract Value immediately after the Excess Withdrawal; or</div> </td> </tr> </table> <table cellpadding="0" class="DSPFListTable" id="z84e467e434924bacaf956f155a3dc868" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000; margin-bottom: 10pt; border-spacing: 0px;"> <tr> <td style="width: 18pt;"><br/> </td> <td style="width: 18pt; vertical-align: top;">•</td> <td style="width: auto; vertical-align: top; text-align: justify;"> <div>the Guaranteed Withdrawal Balance immediately after the Excess Withdrawal.</div> </td> </tr> </table> <div style="text-align: justify; margin-bottom: 10pt;">We do not recalculate your Guaranteed Withdrawal Amount when you make a withdrawal that is less than or equal to the Guaranteed Withdrawal Amount and total withdrawals during that Contract Year remain below or equal to the Guaranteed Withdrawal Amount.</div> <div style="text-align: justify; margin-bottom: 10pt;"><span style="font-weight: bold; font-style: italic;">Effect of Withdrawals on the Lifetime Income Amount.  </span>On or<span style="font-weight: bold; font-style: italic;"> </span>after the Lifetime Income Date, we will recalculate the Lifetime Income Amount if a withdrawal causes total withdrawals during a Contract Year to exceed the Lifetime Income Amount or if total withdrawals during a Contract Year have already exceeded the Lifetime Income Amount (also referred to as "Excess Withdrawals").  The Lifetime Income Amount will be automatically reset to equal the lesser<span style="font-style: italic;"> </span>of:</div> <table cellpadding="0" class="DSPFListTable" id="za76bb53262e6464eaac5cb38573fcce4" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000; border-spacing: 0px;"> <tr> <td style="width: 18pt; vertical-align: top;">•</td> <td style="width: auto; vertical-align: top; text-align: justify;"> <div>the Lifetime Income Amount immediately prior to the Excess Withdrawal; or</div> </td> </tr> </table> <table cellpadding="0" class="DSPFListTable" id="z1cbb24d05a5143ebb789484050f3a4ce" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000; border-spacing: 0px;"> <tr> <td style="width: 18pt; vertical-align: top;">•</td> <td style="width: auto; vertical-align: top; text-align: justify;"> <div>5% multiplied by the greater of:</div> </td> </tr> </table> <table cellpadding="0" class="DSPFListTable" id="zcb5280c82e7442858e7b575a644fba96" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000; border-spacing: 0px;"> <tr> <td style="width: 18pt;"><br/> </td> <td style="width: 18pt; vertical-align: top;">•</td> <td style="width: auto; vertical-align: top; text-align: justify;"> <div>the Contract Value immediately after the Excess Withdrawal; or</div> </td> </tr> </table> <table cellpadding="0" class="DSPFListTable" id="z8b1d73c3290845339bdd408c227cbdac" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000; margin-bottom: 10pt; border-spacing: 0px;"> <tr> <td style="width: 18pt;"><br/> </td> <td style="width: 18pt; vertical-align: top;">•</td> <td style="width: auto; vertical-align: top; text-align: justify;"> <div>the Guaranteed Withdrawal Balance immediately after the Excess Withdrawal.</div> </td> </tr> </table> <div style="text-align: justify; margin-bottom: 10pt;">We do not recalculate your Lifetime Income Amount when you make a withdrawal that is less than or equal to the Lifetime Income Amount and total withdrawals during that Contract Year remain below or equal to the Lifetime Income Amount.  In certain circumstances, however, we will not reset the Guaranteed Withdrawal Balance, Guaranteed Withdrawal Amount and/or the Lifetime Income Amount, even where a withdrawal would exceed the Guaranteed Withdrawal Amount and/or Lifetime Income Amount for a Contract Year.  These involve withdrawals taken as Required Minimum Distributions.  (See "<a href="#REQUIREDMINIMUMDISTRIBUTI">REQUIRED MINIMUM DISTRIBUTIONS</a>")</div> <div style="text-align: justify; margin-bottom: 10pt;">Please note if you take any withdrawals before the Lifetime Income Date, the initial amount of the Lifetime Income Amount may be less than the Guaranteed Withdrawal Amount.  Although you may continue to take withdrawals up to the Guaranteed Withdrawal Amount after the Lifetime Income Date without reduction of the Guaranteed Withdrawal Amount (as long as the Guaranteed Withdrawal Balance has not reduced to zero) your Lifetime Income Amount may be reduced if the amount you withdraw exceeds the Lifetime Income Amount.  You could eventually lose any benefit based on the Lifetime Income Amount if you continue to take withdrawals in excess of the Lifetime Income Amount.</div> <div style="text-align: justify; margin-bottom: 10pt;">Remember:</div> <table cellpadding="0" class="DSPFListTable" id="z7ac89658853c45bc9e91450001993d52" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000; border-spacing: 0px;"> <tr> <td style="width: 18pt; vertical-align: top;">•</td> <td style="width: auto; vertical-align: top; text-align: justify;"> <div>Excess Withdrawals could reduce your Guaranteed Withdrawal Balance by substantially more than the actual amount of the withdrawal.</div> </td> </tr> </table> <table cellpadding="0" class="DSPFListTable" id="z1df083ad94f54f24bf72d2c898a13420" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000; margin-bottom: 10pt; border-spacing: 0px;"> <tr> <td style="width: 18pt; vertical-align: top;">•</td> <td style="width: auto; vertical-align: top; text-align: justify;"> <div>Excess Withdrawals may significantly reduce or eliminate future Guaranteed Withdrawal Amounts and Lifetime Income Amounts.</div> </td> </tr> </table> <div style="text-align: justify; margin-bottom: 10pt; font-weight: bold;">BONUS</div> <div style="text-align: justify; margin-bottom: 10pt;">We will increase the Guaranteed Withdrawal Balance at the end of each Contract Year during the GMWB rider’s bonus period if you take no withdrawals during that Contract Year.  The bonus period is the first 10 Contract Years after the Rider Effective Date while the Covered Person is less than age 80.  Each time you qualify for a bonus:</div> <div style="text-align: justify; margin-bottom: 10pt;"><span style="font-weight: bold; font-style: italic;">If the Guaranteed Withdrawal Balance was not previously stepped-up or reset,</span><span style="font-size: 12pt; font-weight: bold; font-style: italic;"> </span>we will increase the Guaranteed Withdrawal Balance by:</div> <table cellpadding="0" class="DSPFListTable" id="z5777d9b63f5a41b793efb2e306ad6846" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000; border-spacing: 0px;"> <tr> <td style="width: 18pt; vertical-align: top;">•</td> <td style="width: auto; vertical-align: top; text-align: justify;"> <div>an amount equal to 5% of the single premium paid to the Contract if the rider is issued on the Contract Date; or</div> </td> </tr> </table> <table cellpadding="0" class="DSPFListTable" id="z323aae047bd141c3900c1ad1191ebd64" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000; margin-bottom: 10pt; border-spacing: 0px;"> <tr> <td style="width: 18pt; vertical-align: top;">•</td> <td style="width: auto; vertical-align: top; text-align: justify;"> <div>an amount equal to 5% of the initial Guaranteed Withdrawal Balance if this rider is added after the Contract Date.</div> </td> </tr> </table><div style="text-align: justify; margin-bottom: 10pt;"><span style="font-weight: bold; font-style: italic;">If the Guaranteed Withdrawal Balance was previously stepped-up or reset,</span><span style="font-size: 12pt;"> </span>we will increase the Guaranteed Withdrawal Balance by an amount equal to 5% of the sum of the Guaranteed Withdrawal Balance immediately after the latest step-up or reset.</div> <div style="text-align: justify; margin-bottom: 10pt;">Each time we apply a bonus to the Guaranteed Withdrawal Balance, we will also recalculate the Guaranteed Withdrawal Amount and the Lifetime Income Amount as follows:</div> <table cellpadding="0" class="DSPFListTable" id="z3f9c06d28b4244538041978ba4b46cb3" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000; border-spacing: 0px;"> <tr> <td style="width: 18pt; vertical-align: top;">•</td> <td style="width: auto; vertical-align: top; text-align: justify;"> <div>The Guaranteed Withdrawal Amount will equal the greater of the Guaranteed Withdrawal Amount immediately prior to the bonus or 5% of the Guaranteed Withdrawal Balance immediately after the bonus; and</div> </td> </tr> </table> <table cellpadding="0" class="DSPFListTable" id="z76b63938841b47b4ae88c1d4941ca4de" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000; margin-bottom: 10pt; border-spacing: 0px;"> <tr> <td style="width: 18pt; vertical-align: top;">•</td> <td style="width: auto; vertical-align: top; text-align: justify;"> <div>The Lifetime Income Amount will equal the greater of the Lifetime Income Amount immediately prior to the bonus or 5% of the Guaranteed Withdrawal Balance immediately after the bonus.</div> </td> </tr> </table> <div style="text-align: justify; margin-bottom: 10pt; font-weight: bold;">Bonuses, when applied, will increase the Guaranteed Withdrawal Balance and consequently, will increase the rider charges (because such charges are based on a greater Guaranteed Withdrawal Balance).  Further, bonuses may increase the Guaranteed Withdrawal Amount and the Lifetime Income Amount.  Bonuses do not increase the Contract Value of the Contract.</div><div style="text-align: justify; margin-bottom: 10pt; font-weight: bold;">STEP-UPS</div> <div style="text-align: justify; margin-bottom: 10pt;">If the Contract Value on any step-up date is greater than the Guaranteed Withdrawal Balance on that date, we will automatically increase ("step-up") the Guaranteed Withdrawal Balance to equal the Contract Value (subject to the maximum Guaranteed Withdrawal Balance limit of $5 million). Upon a step-up, we will also recalculate the Guaranteed Withdrawal Amount, the Lifetime Income Amount, and the current monthly rider charge percentage.  (See "<a href="#GMWBRIDERCHARGE">GMWB RIDER CHARGE</a>")</div> <div style="text-align: justify; margin-bottom: 10pt;">The Guaranteed Withdrawal Amount will equal the greater of:</div> <table cellpadding="0" class="DSPFListTable" id="zf121c7144bd24ae8a6d015bd07899a5c" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000; border-spacing: 0px;"> <tr> <td style="width: 18pt; vertical-align: top;">•</td> <td style="width: auto; vertical-align: top; text-align: justify;"> <div>the Guaranteed Withdrawal Amount immediately prior to the step-up; or</div> </td> </tr> </table> <table cellpadding="0" class="DSPFListTable" id="z621009bec79c4074b706538798087be3" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000; margin-bottom: 10pt; border-spacing: 0px;"> <tr> <td style="width: 18pt; vertical-align: top;">•</td> <td style="width: auto; vertical-align: top; text-align: justify;"> <div>5% multiplied by the Guaranteed Withdrawal Balance immediately after the step-up.</div> </td> </tr> </table> <div style="text-align: justify; margin-bottom: 10pt;">The Lifetime Income Amount will equal the greater of:</div> <table cellpadding="0" class="DSPFListTable" id="zd06f704fb22c42ca9f10e357ded12020" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000; border-spacing: 0px;"> <tr> <td style="width: 18pt; vertical-align: top;">•</td> <td style="width: auto; vertical-align: top; text-align: justify;"> <div>the Lifetime Income Amount immediately prior to the step-up; or</div> </td> </tr> </table> <table cellpadding="0" class="DSPFListTable" id="z351876db344044779d00107d341853b6" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000; margin-bottom: 10pt; border-spacing: 0px;"> <tr> <td style="width: 18pt; vertical-align: top;">•</td> <td style="width: auto; vertical-align: top; text-align: justify;"> <div>5% multiplied by the Guaranteed Withdrawal Balance immediately after the step-up.</div> </td> </tr> </table> <div style="text-align: justify; margin-bottom: 10pt;">We reserve the right to increase the current monthly rider charge percentage up to 0.10%.  If we decide to increase the current monthly rider charge percentage at the time of a step-up, you will receive advance notice and be given the opportunity to decline the automatic step-up.  (See "<a href="#GMWBRIDERCHARGE">GMWB RIDER CHARGE</a>")</div> <div style="text-align: justify; margin-bottom: 10pt;">The step-up dates occur only while the GMWB rider is in effect.  <span style="font-weight: bold;">For Contracts with a GMWB Rider with a Rider Effective Date before May 29, 2012, </span>the step-up dates occur on each of the 3rd, 6th, and 9th Contract Anniversaries after the Rider Effective Date.  After the 9th Contract Anniversary, the step-up dates occur on each succeeding Contract Anniversary (e.g., the 10th, 11th, 12th etc.) up to and including the 30th Contract Anniversary after the Rider Effective Date.  <span style="font-weight: bold;">For Contracts with a GMWB Rider with a Rider Effective Date of May 29, 2012 or after, </span>the step-up dates occur on each Contract Anniversary after the Rider Effective Date up to and including the 30th Contract Anniversary after the Rider Effective Date.  If you decline an automatic step-up, you will have the option to elect to step-up the Guaranteed Withdrawal Balance (as well as the Guaranteed Withdrawal Amount and Lifetime Income Amount) within 30 days of subsequent step-up dates.  If you decide to step-up the Guaranteed Withdrawal Balance, we will thereafter resume automatic step-ups.</div> <div style="text-align: justify; margin-bottom: 10pt;">Please note that the automatic step-up may be of limited benefit if you intend to make a single premium payment that would cause your Contract Value to approach $5 million, since the Guaranteed Withdrawal Balance is not permitted to exceed $5 million.</div> <div style="text-align: justify; margin-bottom: 10pt; font-style: italic; font-weight: bold;">Step-ups will increase the Guaranteed Withdrawal Balance and may increase the Guaranteed Withdrawal Amount and the Lifetime Income Amount.</div><div style="text-align: justify; margin-bottom: 10pt; font-weight: bold;">INVESTMENT STRATEGY</div> <div style="text-align: justify; margin-bottom: 6pt;">The Investment Strategy includes the Designated Subaccounts.  If you elect the GMWB rider, you must allocate your Contract Value to one or more of the Designated Subaccounts available to you.  As discussed below, the Designated Subaccounts that are available to you will vary based on your GMWB rider effective date.  (See "<a href="#AVAILABLEDESIGNATEDSUBACC">AVAILABLE DESIGNATED SUBACCOUNTS</a>")  You must choose one of these available Designated Subaccounts and your premium </div><div style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left; color: #000000; "> <div> <div style="text-align: justify; margin-bottom: 6pt;">payment (in the case of a new application) or Contract Value, as applicable, will be allocated to the Designated Subaccounts you select.  Contract Value will be rebalanced quarterly to maintain the current allocations.  We selected the Designated Subaccounts to minimize the risk that your Contract Value will be reduced to zero because of guaranteed withdrawals before the Annuitant’s death, thereby requiring Kansas City Life to make settlement payments to you during the Settlement Phase.</div> <div style="text-align: justify; margin-bottom: 6pt;">This rider will remain in effect only if your premium and Contract Value are allocated at all times to one or more of the currently available Designated Subaccounts in accordance with the requirements of this rider.  Solely for the purposes of the Dollar Cost Averaging Plan, under our current administrative procedures, we deem the Federated Hermes Government Money Fund II Subaccount to be a Designated Subaccount.  (See "<a href="#AVAILABLEDESIGNATEDSUBACC">AVAILABLE DESIGNATED SUBACCOUNTS</a>")</div> <div style="text-align: justify; margin-bottom: 10pt;">Unless you request otherwise, withdrawals will be taken in proportion to the Contract Value in the Subaccounts; you may specify the Subaccounts from which a withdrawal is to be made.</div> <div style="text-align: justify; margin-bottom: 10pt; font-style: italic; font-weight: bold;">You should consult with your financial professional to assist you in determining which Designated Subaccount available with the GMWB rider is best suited for your financial needs and risk tolerance.</div> <div style="text-align: justify; margin-bottom: 10pt; font-weight: bold;">AVAILABLE DESIGNATED SUBACCOUNTS</div> <div style="text-align: justify; margin-bottom: 10pt;">You must allocate your entire Contract Value to one or more of the Designated Subaccounts that are available to you.  Solely for the purposes of the Dollar Cost Averaging Plan, under our current administrative procedures, we deem the Federated Hermes Government Money Fund II Subaccount to be a Designated Subaccount.  On a quarterly basis, we will rebalance your entire Contract Value to the Subaccounts in accordance with the percentages specified in the Designated Subaccounts you elected.</div> <div style="text-align: justify; margin-bottom: 10pt;">Under our Dollar Cost Averaging Plan, you may elect to allocate your premium and Contract Value over time to one or more of the Designated Subaccounts that you have selected.  If you elect the Dollar Cost Averaging Plan and you have elected the GMWB rider, transfers will occur on a monthly basis for a period you choose, ranging from 3 to 12 months.</div> <div style="text-align: justify; margin-bottom: 10pt;">We offer Designated Subaccounts with different risk profiles.  You need to determine which Designated Subaccounts are best for you.  You should consult with your financial adviser on this decision.  Your financial adviser can help you determine which Designated Subaccounts are best suited to your financial needs, investment time horizon, and willingness to accept investment risk.  You should periodically review these factors with your financial adviser to determine if you should change Designated Subaccounts to keep up with changes in your personal circumstances.  Your financial adviser can assist you in completing the proper forms to make a change to the Designated Subaccounts you have elected.  You should not regard the Designated Subaccounts as investment advice.  Kansas City Life bears no responsibility for your decision to select or change Designated Subaccounts.</div> <div style="text-align: justify; margin-bottom: 10pt; font-weight: bold;">For Contracts with a GMWB Rider with a Rider Effective Date before May 29, 2012</div> <div style="text-align: justify; margin-bottom: 10pt;">You may allocate your premium and Contract Value among any of the Designated Subaccounts.  Allocation percentages must be whole percentages only and the total of allocation percentages in the Designated Subaccounts must equal 100%.</div> <div style="text-align: justify; margin-bottom: 10pt;">The available Designated Subaccounts are:</div> <table cellpadding="0" class="DSPFListTable" id="z5e7000d82205406eb23c302dbad89f33" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000; border-spacing: 0px;"> <tr> <td style="width: 18pt; vertical-align: top;">•</td> <td style="width: auto; vertical-align: top; text-align: justify;"> <div>American Funds Insurance Series<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">®</sup> Managed Risk Asset Allocation Fund – Class P2 Shares</div> </td> </tr> </table> <table cellpadding="0" class="DSPFListTable" id="zea96ab80824e48c8ade10dcd5fbf2d50" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000; border-spacing: 0px;"> <tr> <td style="width: 18pt; vertical-align: top;">•</td> <td style="width: auto; vertical-align: top; text-align: justify;"> <div>American Funds Insurance Series<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">®</sup> Managed Risk Washington Mutual Investors Fund<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">SM</sup> – Class P2 Shares</div> </td> </tr> </table> <table cellpadding="0" class="DSPFListTable" id="z08787a86dfba4bb6a78b3b997e5b057b" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000; border-spacing: 0px;"> <tr> <td style="width: 18pt; vertical-align: top;">•</td> <td style="width: auto; vertical-align: top; text-align: justify;"> <div>American Funds Insurance Series<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">®</sup> Managed Risk Growth Fund – Class P2 Shares</div> </td> </tr> </table> <table cellpadding="0" class="DSPFListTable" id="z73357e1828344e29ab1f6d6a5e28d093" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000; border-spacing: 0px;"> <tr> <td style="width: 18pt; vertical-align: top;">•</td> <td style="width: auto; vertical-align: top; text-align: justify;"> <div>American Funds Insurance Series<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">®</sup> Managed Risk Growth-Income Fund – Class P2 Shares</div> </td> </tr> </table> <table cellpadding="0" class="DSPFListTable" id="z11a1f10e11ee44ceb257ed2b886bef8c" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000; border-spacing: 0px;"> <tr> <td style="width: 18pt; vertical-align: top;">•</td> <td style="width: auto; vertical-align: top; text-align: justify;"> <div>American Funds Insurance Series<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">®</sup> Managed Risk International Fund – Class P2 Shares</div> </td> </tr> </table> <table cellpadding="0" class="DSPFListTable" id="zbc75d6891fcf4f8e9ef0d7778f813af2" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000; border-spacing: 0px;"> <tr> <td style="width: 18pt; vertical-align: top;">•</td> <td style="width: auto; vertical-align: top; text-align: justify;"> <div>Fidelity<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">®</sup> VIP Freedom 2010 Portfolio<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">SM</sup> – Service Class 2</div> </td> </tr> </table> <table cellpadding="0" class="DSPFListTable" id="z82a679f6bed34d69b2221e4d249bfdce" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000; border-spacing: 0px;"> <tr> <td style="width: 18pt; vertical-align: top;">•</td> <td style="width: auto; vertical-align: top; text-align: justify;"> <div>Fidelity<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">®</sup> VIP Freedom 2015 Portfolio<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">SM</sup> – Service Class 2</div> </td> </tr> </table> <table cellpadding="0" class="DSPFListTable" id="zf7fb22ff634a487180007e2b34e15f4f" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000; border-spacing: 0px;"> <tr> <td style="width: 18pt; vertical-align: top;">•</td> <td style="width: auto; vertical-align: top; text-align: justify;"> <div>Fidelity<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">®</sup> VIP Freedom 2020 Portfolio<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">SM</sup> – Service Class 2</div> </td> </tr> </table> <table cellpadding="0" class="DSPFListTable" id="z642ac87dd1a140148b97b578353b308f" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000; border-spacing: 0px;"> <tr> <td style="width: 18pt; vertical-align: top;">•</td> <td style="width: auto; vertical-align: top; text-align: justify;"> <div>Fidelity<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">®</sup> VIP Freedom Income Portfolio<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">SM</sup> – Service Class 2</div> </td> </tr> </table> <table cellpadding="0" class="DSPFListTable" id="z403fcd59afe34fe4b10468e21aed181a" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000; border-spacing: 0px;"> <tr> <td style="width: 18pt; vertical-align: top;">•</td> <td style="width: auto; vertical-align: top; text-align: justify;"> <div>TOPS<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">® </sup>Managed Risk Balanced ETF Portfolio – Class 2 Shares</div> </td> </tr> </table> <table cellpadding="0" class="DSPFListTable" id="zd3cbbae0379640f781f7a9b1e345447a" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000; border-spacing: 0px;"> <tr> <td style="width: 18pt; vertical-align: top;">•</td> <td style="width: auto; vertical-align: top; text-align: justify;"> <div>TOPS<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">® </sup>Managed Risk Moderate Growth ETF Portfolio – Class 2 Shares</div> </td> </tr> </table> <table cellpadding="0" class="DSPFListTable" id="zefc3c7cd999241fe821e4276ca3f387d" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000; margin-bottom: 10pt; border-spacing: 0px;"> <tr> <td style="width: 18pt; vertical-align: top;">•</td> <td style="width: auto; vertical-align: top; text-align: justify;"> <div>TOPS<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">® </sup>Managed Risk Growth ETF Portfolio – Class 2 Shares</div> </td> </tr> </table> <div style="text-align: justify; text-indent: -18pt; margin-left: 18pt; margin-bottom: 10pt; font-weight: bold;">For Contracts with a GMWB Rider with a Rider Effective Date of May 29, 2012 or after</div> <div style="text-align: justify; margin-bottom: 10pt;">You may allocate your premium and Contract Value among any of the Designated Subaccounts.  Allocation percentages must be whole percentages only and the total of allocation percentages in the Designated Subaccounts must equal 100%.</div> <div style="text-align: justify; margin-bottom: 10pt;"> <br/> </div> <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">  </div></div></div><div style="text-align: justify; margin-bottom: 10pt;">The available Designated Subaccounts are:</div> <table cellpadding="0" class="DSPFListTable" id="z9d5cc8090a974dabbc44f4d7f09c58bf" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000; border-spacing: 0px;"> <tr> <td style="width: 18pt; vertical-align: top;">•</td> <td style="width: auto; vertical-align: top; text-align: justify;"> <div>American Funds Insurance Series<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">®</sup> Managed Risk Asset Allocation Fund – Class P2 Shares</div> </td> </tr> </table> <table cellpadding="0" class="DSPFListTable" id="z275bd8dec0e44febab922243583359c6" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000; border-spacing: 0px;"> <tr> <td style="width: 18pt; vertical-align: top;">•</td> <td style="width: auto; vertical-align: top; text-align: justify;"> <div>American Funds Insurance Series<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">®</sup> Managed Risk Washington Mutual Investors Fund<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">SM</sup> – Class P2 Shares</div> </td> </tr> </table> <table cellpadding="0" class="DSPFListTable" id="z0c497b4659884bb5b32a42e9305fabde" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000; border-spacing: 0px;"> <tr> <td style="width: 18pt; vertical-align: top;">•</td> <td style="width: auto; vertical-align: top; text-align: justify;"> <div>American Funds Insurance Series<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">®</sup> Managed Risk Growth Fund – Class P2 Shares</div> </td> </tr> </table> <table cellpadding="0" class="DSPFListTable" id="zee5575eff4a344c6ad591fdcf72c7a24" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000; border-spacing: 0px;"> <tr> <td style="width: 18pt; vertical-align: top;">•</td> <td style="width: auto; vertical-align: top; text-align: justify;"> <div>American Funds Insurance Series<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">®</sup> Managed Risk Growth-Income Fund – Class P2 Shares</div> </td> </tr> </table> <table cellpadding="0" class="DSPFListTable" id="z81d9ffc008774f8e858f69748fe2d735" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000; border-spacing: 0px;"> <tr> <td style="width: 18pt; vertical-align: top;">•</td> <td style="width: auto; vertical-align: top; text-align: justify;"> <div>American Funds Insurance Series<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">®</sup> Managed Risk International Fund – Class P2 Shares</div> </td> </tr> </table> <table cellpadding="0" class="DSPFListTable" id="z559acabeffab45b3a17259b1333ce4d6" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000; border-spacing: 0px;"> <tr> <td style="width: 18pt; vertical-align: top;">•</td> <td style="width: auto; vertical-align: top; text-align: justify;"> <div>TOPS<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">® </sup>Managed Risk Balanced ETF Portfolio – Class 2 Shares</div> </td> </tr> </table> <table cellpadding="0" class="DSPFListTable" id="zb04cabaf0af64be0b95aab89bb75298f" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000; border-spacing: 0px;"> <tr> <td style="width: 18pt; vertical-align: top;">•</td> <td style="width: auto; vertical-align: top; text-align: justify;"> <div>TOPS<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">® </sup>Managed Risk Moderate Growth ETF Portfolio – Class 2 Shares</div> </td> </tr> </table> <table cellpadding="0" class="DSPFListTable" id="z6a979c1f34a44f49ae1fba8f897e5d67" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000; margin-bottom: 10pt; border-spacing: 0px;"> <tr> <td style="width: 18pt; vertical-align: top;">•</td> <td style="width: auto; vertical-align: top; text-align: justify;"> <div>TOPS<sup style="vertical-align: text-top; line-height: 1; font-size: smaller;">® </sup>Managed Risk Growth ETF Portfolio – Class 2 Shares</div> </td> </tr> </table> <div style="text-align: justify; margin-bottom: 10pt;">We periodically evaluate the Designated Subaccounts, and may add, remove, or substitute the Designated Subaccounts that are available to you.</div> <div style="text-align: justify; margin-bottom: 10pt;">We will notify you at least 30 days in advance of any substitution, removal, or change to a Designated Subaccount that you have selected.  You should carefully review these notices.  If a Designated Subaccount to which you have allocated some or all of your Contract Value is no longer available under the GMWB rider, you must transfer that Contract Value to a Designated Subaccount that is currently available in order to keep the rider in effect.  If you do not wish to make such transfer, you may terminate the GMWB rider.</div> <div style="text-align: justify; margin-bottom: 10pt; font-weight: bold;">For more information regarding each Portfolio that we permit you to invest in through a Designated Subaccount, including information relating to that Fund’s investment objectives, policies and restrictions, and the risks of investing in that Fund, please see the "<a href="#KANSASCITYLIFETHEVARIABLE">Kansas City Life, the Variable Account and the Funds</a>" section of this Prospectus as well as the Fund’s prospectus.  You can obtain a Prospectus containing more complete information on each of the Funds by contacting Variable Administration at 1-800-616-3670.  You should read the Fund’s prospectus carefully before investing.</div> <div style="text-align: justify; margin-bottom: 10pt;">You may transfer your Contract Value among the Designated Subaccounts that are available to you, at any time, by Written Request.  Any change will be effective on the date we receive your Written Request.  You may not make transfers between the Designated Subaccounts and the Fixed Account.  We will waive the restrictions defined in "<a href="#TRANSFERPRIVILEGE">Transfer Privilege</a>" if the applicable transfer is required under the terms of the GMWB rider.</div> <div style="text-align: justify; margin-bottom: 10pt;">A Designated Subaccount may not perform as intended.  Investment performance of your Contract Value could be better or worse than expected.  One purpose of requiring you to invest in a Designated Subaccount is to limit Kansas City Life’s exposure under the GMWB rider.  This is done by ensuring that your Contract Value is diversified and not concentrated in the riskiest Subaccounts.  You should not purchase the GMWB rider if you wish to allocate your Contract Value in a non-diversified or highly aggressive manner.</div> <div style="text-align: justify; margin-bottom: 10pt;">The timing of your investment and the frequency of automatic rebalancing may affect performance.  Your Contract Value will fluctuate, and when redeemed, may be worth more or less than the original cost.</div> <div style="text-align: justify; margin-bottom: 10pt; font-style: italic; font-weight: bold;">If you elect to purchase the GMWB rider you may invest your Contract Value only in the Designated Subaccounts we make available with this benefit.</div> <div style="text-align: justify; margin-bottom: 10pt; font-weight: bold;">REQUIRED MINIMUM DISTRIBUTIONS</div> <div style="text-align: justify; margin-bottom: 10pt;">For purposes of the GMWB rider, withdrawals considered Required Minimum Distributions are distributions within a calendar year that are intended to be paid to you as required by section 401(a)(9), section 403(b)(10), section 408(b)(3), or section 408A(c) of the Code.</div> <div style="text-align: justify; margin-bottom: 10pt;">Under our Required Minimum Distributions program, each withdrawal will be in an amount that we determine to be your Required Minimum Distribution under your Contract, considering only that Contract.  Our calculation will be based on information that you provide and our understanding of the Code.  We reserve the right to make any changes we deem necessary to comply with the Code and Treasury Regulations.</div> <div style="text-align: justify; margin-bottom: 10pt; font-style: italic; font-weight: bold;">You should discuss these matters with your tax adviser prior to electing the GMWB rider.</div> <div style="text-align: justify; margin-bottom: 10pt;">Each withdrawal under our Required Minimum Distributions program will reduce your Contract Value and your Guaranteed Withdrawal Balance.  We will not, however, reset your Guaranteed Withdrawal Balance, Guaranteed Withdrawal Amount or Lifetime Income Amount if a withdrawal under our Required Minimum Distributions program (based on our current understanding and interpretation of the tax law) causes total withdrawals during a Contract Year to exceed the Guaranteed Withdrawal Amount or Lifetime Income Amount, as applicable.</div><div style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left; color: #000000; "> <div> <div style="text-align: justify; margin-bottom: 10pt; font-weight: bold;">We will not make any further withdrawals under our Required Minimum Distributions program if both the Contract Value and the Guaranteed Withdrawal Balance reduce to zero.  We will make distributions as part of the GMWB rider’s Settlement Phase, however, if the Lifetime Income Amount is greater than zero and the Covered Person is living at that time.</div> <div style="text-align: justify; margin-bottom: 10pt; font-weight: bold;">Required Minimum Distributions provide minimum lifetime distributions as described or as required under certain sections of the Code.  Withdrawals under our Required Minimum Distributions program will not be treated as Excess Withdrawals and will not reset the Guaranteed Withdrawal Balance, Guaranteed Withdrawal Amount or Lifetime Income Amount.</div> <div style="text-align: justify; margin-bottom: 10pt; font-weight: bold;">SETTLEMENT PHASE</div> <div style="text-align: justify; margin-bottom: 10pt;">We automatically make settlement payments during the GMWB rider’s Settlement Phase.  The Settlement Phase begins if total withdrawals during the Contract Year:</div> <table cellpadding="0" class="DSPFListTable" id="zd1abd07760324d888708a352faaea758" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000; border-spacing: 0px;"> <tr> <td style="width: 18pt; vertical-align: top;">•</td> <td style="width: auto; vertical-align: top; text-align: justify;"> <div>are equal to or less than the Guaranteed Withdrawal Amount; and</div> </td> </tr> </table> <table cellpadding="0" class="DSPFListTable" id="zdfc6caefa655424f86b7405a09d1df64" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000; margin-bottom: 10pt; border-spacing: 0px;"> <tr> <td style="width: 18pt; vertical-align: top;">•</td> <td style="width: auto; vertical-align: top; text-align: justify;"> <div>the Contract Value reduces to zero and either the Guaranteed Withdrawal Balance or the Lifetime Income Amount immediately after the withdrawal is still greater than zero.</div> </td> </tr> </table> <div style="text-align: justify; margin-bottom: 10pt;">During this phase, the Contract will continue but all other rights and benefits under the Contract, including death benefits and any additional riders, terminate.  We will not deduct any charge for the GMWB rider during the Settlement Phase.</div> <div style="text-align: justify; margin-bottom: 10pt;">At the beginning of the Settlement Phase, you generally may choose an annual settlement payment amount that we will automatically pay to you.  The settlement payment amount we permit you to choose varies:</div> <table cellpadding="0" class="DSPFListTable" id="z5f5074fbdc1a4b2d933de0ff695cd5ff" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000; border-spacing: 0px;"> <tr> <td style="width: 18pt; vertical-align: top;">•</td> <td style="width: auto; vertical-align: top; text-align: justify;"> <div>You may choose an amount that is equal to, or no greater than, the Guaranteed Withdrawal Amount if the Guaranteed Withdrawal Balance is greater than zero at the beginning of the Settlement Phase.  We reduce any remaining Guaranteed Withdrawal Balance each time we make a settlement payment, and automatically pay the settlement amount to you each Contract Year while the Covered Person is alive until the Guaranteed Withdrawal Balance reduces to zero.  After that, we will make settlement payments to you each Contract Year during the Covered Person’s lifetime in an amount that is equal to any remaining Lifetime Income Amount.  Keep in mind that in certain circumstances the Lifetime Income Amount may be less than the Guaranteed Withdrawal Amount, and under those circumstances your choice of an amount in excess of the Lifetime Income Amount could result in a reduction of the Lifetime Income Amount.  (See "<a href="#EffectofWithdrawalsontheL">EFFECT OF WITHDRAWALS ON THE LIFETIME INCOME AMOUNT</a>")</div> </td> </tr> </table> <table cellpadding="0" class="DSPFListTable" id="z29223808ffe247d5afef13dd1045a910" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000; border-spacing: 0px;"> <tr> <td style="width: 18pt; vertical-align: top;">•</td> <td style="width: auto; vertical-align: top; text-align: justify;"> <div>You may choose to continue to receive distribution payments under the Required Minimum Distribution program if the program is in effect and the Guaranteed Withdrawal Balance is greater than zero at the beginning of the Settlement Phase. If you do, we will reduce any remaining Guaranteed Withdrawal Balance each time we make a distribution payment and automatically make distribution payments each Contract Year while the Covered Person is alive until the Guaranteed Withdrawal Balance reduces to zero.  (See "<a href="#REQUIREDMINIMUMDISTRIBUTI">REQUIRED MINIMUM DISTRIBUTIONS</a>")  After that, we will make settlement payments to you each Contract Year during the Covered Person’s lifetime in an amount that is equal to any remaining Lifetime Income Amount.</div> </td> </tr> </table> <table cellpadding="0" class="DSPFListTable" id="z42bf67bd74af4df091c59cca84b5bd4c" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000; border-spacing: 0px;"> <tr> <td style="width: 18pt; vertical-align: top;">•</td> <td style="width: auto; vertical-align: top; text-align: justify;"> <div>We will make annual settlement payments to you each Contract Year during the Covered Person’s lifetime in an amount that is equal to the Lifetime Income Amount if there is no remaining Guaranteed Withdrawal Balance at the beginning of the Settlement Phase.</div> </td> </tr> </table> <table cellpadding="0" class="DSPFListTable" id="zb4a2bc3e0de64bdabe63d8a9494e01c7" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000; margin-bottom: 10pt; border-spacing: 0px;"> <tr> <td style="width: 18pt; vertical-align: top;">•</td> <td style="width: auto; vertical-align: top; text-align: justify;"> <div>After the Lifetime Income Date, if you choose to receive a settlement payment that is in excess of the Lifetime Income Amount, we will recalculate the Lifetime Income Amount in the same manner as a withdrawal that exceeds the Lifetime Income Amount.  (See "<a href="#EffectofWithdrawalsontheL">EFFECT OF WITHDRAWALS ON THE LIFETIME INCOME AMOUNT</a>")  We do not recalculate the Lifetime Income Amount, however, if you receive distribution payments under the Required Minimum Distribution program.</div> </td> </tr> </table> <div style="text-align: justify; margin-bottom: 10pt;">Any withdrawal you make under the GMWB rider before the Settlement Phase is a withdrawal from your Contract Value. We are only required to start using our own money to make payments when the GMWB rider Settlement Phase begins.</div> <div style="text-align: justify; margin-bottom: 10pt;">Withdrawals under the GMWB rider are not annuity payouts.  Annuity payouts generally receive a more favorable tax treatment than other withdrawals.</div> <div style="text-align: justify; margin-bottom: 6pt; font-weight: bold;">DEATH BENEFITS</div> <div style="text-align: justify; margin-bottom: 6pt; font-style: italic; font-weight: bold;">Death benefits before the Settlement Phase</div> <div style="text-align: justify; margin-bottom: 10pt;">If you die while the GMWB rider is in effect but before<span style="font-style: italic;"> </span>the Settlement Phase, the GMWB rider generally will terminate.  This means Kansas City Life will make no more payments under this rider.</div> <div style="text-align: justify; margin-bottom: 10pt;"> <br/> </div> <div class="BRPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">  </div></div></div><div style="text-align: justify; margin-bottom: 10pt;">However, if (i) you die while the GMWB rider is in effect but before the Settlement Phase, (ii) the sole Beneficiary is your surviving spouse, and (iii) your surviving spouse does not elect to take the death benefit under the terms of the Contract, the following will apply:</div> <table cellpadding="0" id="z4e8fee7998774c639a7893fb3a898743" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000; border-spacing: 0px;"> <tr> <td style="width: 27.93%; vertical-align: middle; background-color: #D9D9D9; border-bottom: #000000 2px solid;"> <div style="text-align: center; font-weight: bold;">If:</div> </td> <td style="width: 72.07%; vertical-align: middle; background-color: #D9D9D9; border-bottom: #000000 2px solid;"> <div style="text-align: center; font-weight: bold;">Then the GMWB rider:</div> </td> </tr> <tr> <td style="width: 27.93%; vertical-align: middle; border-bottom: #000000 2px solid;"> <div>the Covered Person is no longer alive</div> </td> <td style="width: 72.07%; vertical-align: middle; border-bottom: #000000 2px solid;"> <div style="text-align: justify; text-indent: -13.55pt; margin-left: 13.55pt;">•<span class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 13.55pt"> </span>Does not continue with respect to the Lifetime Income Amount, but continues with respect to the Guaranteed Withdrawal Amount if the death benefit or the Guaranteed Withdrawal Balance is greater than zero. We will automatically step-up the Guaranteed Withdrawal Balance to equal the death benefit on the date it is determined, if the death benefit on that date is greater than the Guaranteed Withdrawal Balance.</div> <div style="text-align: justify; text-indent: -13.55pt; margin-left: 13.55pt;">•<span class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 13.55pt"> </span>Enters the Settlement Phase if a withdrawal would reduce the Contract Value to zero, and the Guaranteed Withdrawal Balance is still greater than zero.</div> <div style="text-align: justify; text-indent: -13.55pt; margin-left: 13.55pt;">•<span class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 13.55pt"> </span>Continues to impose the GMWB rider charge.</div> <div style="text-align: justify; text-indent: -13.55pt; margin-left: 13.55pt;">•<span class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 13.55pt"> </span>Continues to be eligible for any remaining bonuses and step-ups. We will permit the spouse to opt out of the initial death benefit step-up, if any, and any future step-ups if we would increase the rate of the GMWB rider charge at that time.</div> </td> </tr> <tr> <td style="width: 27.93%; vertical-align: middle; border-bottom: #000000 2px solid;"> <div>the Covered Person is alive</div> <div>(e.g.  if the Beneficiary is the Covered Person)</div> </td> <td style="width: 72.07%; vertical-align: middle; border-bottom: #000000 2px solid;"> <div style="text-align: justify; text-indent: -13.55pt; margin-left: 13.55pt;">•<span class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 13.55pt"> </span>Continues with respect to the Lifetime Income Amount for the Beneficiary. If the Lifetime Income Amount has not been determined prior to the payment of the death benefit, we will determine the initial Lifetime Income Amount on the first Contract Anniversary after the Covered Person has reached age 65.</div> <div style="text-align: justify; text-indent: -13.55pt; margin-left: 13.55pt;">•<span class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 13.55pt"> </span>Continues with respect to the Guaranteed Withdrawal Amount if the death benefit or the Guaranteed Withdrawal Balance is greater than zero. <span style="font-weight: bold;"> </span>We will automatically step-up the Guaranteed Withdrawal Balance to equal the death benefit on the date it is determined, if the death benefit on that date is greater than the Guaranteed Withdrawal Balance.</div> <div style="text-align: justify; text-indent: -13.55pt; margin-left: 13.55pt;">•<span class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 13.55pt"> </span>Enters the Settlement Phase if a withdrawal would reduce the Contract Value to zero, and either the Lifetime Income Amount or the Guaranteed Withdrawal Balance is still greater than zero.</div> <div style="text-align: justify; text-indent: -13.55pt; margin-left: 13.55pt;">•<span class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 13.55pt"> </span>Continues to impose the GMWB rider charge.</div> <div style="text-align: justify; text-indent: -13.55pt; margin-left: 13.55pt;">•<span class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 13.55pt"> </span>Continues to be eligible for any remaining bonuses and step-ups. We will permit the spouse to opt out of the initial death benefit step-up, if any, and any future step-ups if we would increase the rate of the GMWB rider charge at that time.</div> </td> </tr> </table> <div><br/> </div> <div style="text-align: justify; margin-bottom: 10pt;">Note that under Qualified Contracts other than IRAs, spousal continuation will not satisfy Required Minimum Distributions.  Consult a tax adviser.</div> <div style="text-align: justify; margin-bottom: 10pt; font-style: italic; font-weight: bold;">Death benefit during the Settlement Phase</div> <div style="text-align: justify; margin-bottom: 10pt;">If the Covered Person dies during the Settlement Phase, no death benefit under the Contract will be payable.  The only death benefit we provide are the remaining settlement payments that may become due under the GMWB rider.  Those payments will be made at least as rapidly as they were being paid before the death of the Covered Person. Additional restrictions may apply to Qualified Contracts in order to satisfy Required Minimum Distributions.</div> <div style="text-align: justify; margin-bottom: 10pt; font-weight: bold;">TERMINATION</div> <div style="text-align: justify; margin-bottom: 6pt;">Although the GMWB rider provides that you may not terminate the rider for five years from the Rider Effective Date, we are currently waiving this provision.  Therefore, you may currently terminate your GMWB rider at any time.</div> <div style="text-align: justify; margin-bottom: 10pt;">In addition, there are circumstances under which your GMWB rider will terminate automatically.  The GMWB rider will terminate upon the earliest of:</div> <table cellpadding="0" class="DSPFListTable" id="z72f1343c477248e7ac6672bdf45198cb" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000; border-spacing: 0px;"> <tr> <td style="width: 18pt; vertical-align: top;">•</td> <td style="width: auto; vertical-align: top; text-align: justify;"> <div style="font-weight: bold;">the date the Contract terminates for any reason; or</div> </td> </tr> </table> <table cellpadding="0" class="DSPFListTable" id="zac0b82d4ccd94306b06b31536c546a2b" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000; border-spacing: 0px;"> <tr> <td style="width: 18pt; vertical-align: top;">•</td> <td style="width: auto; vertical-align: top; text-align: justify;"> <div style="font-weight: bold;">the date this rider is cancelled by you; or</div> </td> </tr> </table> <table cellpadding="0" class="DSPFListTable" id="z282886899eb744fcb574619799484df1" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000; border-spacing: 0px;"> <tr> <td style="width: 18pt; vertical-align: top;">•</td> <td style="width: auto; vertical-align: top; text-align: justify;"> <div>the date a death benefit is payable upon the death of any Owner, unless the surviving spouse is the sole Beneficiary; or</div> </td> </tr> </table> <table cellpadding="0" class="DSPFListTable" id="z28f171e3a097405ca5a36a023b84715d" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000; border-spacing: 0px;"> <tr> <td style="width: 18pt; vertical-align: top;">•</td> <td style="width: auto; vertical-align: top; text-align: justify;"> <div>the date a death benefit is payable upon the death of the Owner and the Beneficiary takes the death benefit under the terms of the Contract; or</div> </td> </tr> </table> <table cellpadding="0" class="DSPFListTable" id="z3cae6eafdf624c81bdd2bfa41ed76fad" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000; border-spacing: 0px;"> <tr> <td style="width: 18pt; vertical-align: top;">•</td> <td style="width: auto; vertical-align: top; text-align: justify;"> <div>the date a death benefit is payable upon the death of the Annuitant who is not the Owner; or</div> </td> </tr> </table> <table cellpadding="0" class="DSPFListTable" id="z13aeeae1101e4f2aa6f429a847766199" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000; border-spacing: 0px;"> <tr> <td style="width: 18pt; vertical-align: top;">•</td> <td style="width: auto; vertical-align: top; text-align: justify;"> <div>the date an annuity option under the Contract begins; or</div> </td> </tr> </table> <table cellpadding="0" class="DSPFListTable" id="z251dae6b81ed4de78201565b2e56f3b4" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000; border-spacing: 0px;"> <tr> <td style="width: 18pt; vertical-align: top;">•</td> <td style="width: auto; vertical-align: top; text-align: justify;"> <div>the date the Contract Value, the Guaranteed Withdrawal Balance, and the Lifetime Income Amount all equal zero; or</div> </td> </tr> </table> <table cellpadding="0" class="DSPFListTable" id="ze3570477d1f14f64ac3b3e499c1be3e8" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000; margin-bottom: 10pt; border-spacing: 0px;"> <tr> <td style="width: 18pt; vertical-align: top;">•</td> <td style="width: auto; vertical-align: top; text-align: justify;"> <div>the date you change your allocation instructions or transfer Contract Value to an investment option other than to an Investment Strategy option.</div> </td> </tr> </table><div style="text-align: justify; margin-bottom: 10pt;">Upon termination of the GMWB rider, your Guaranteed Withdrawal Balance will decline to zero, and we will not refund any GMWB rider charge that you previously paid. (See “<a href="#GMWBRIDERCHARGE">GMWB RIDER CHARGE</a>”) Before cancelling the GMWB rider or taking any other action that would cause the rider to terminate, such as allocating Contract Value to an investment option other than an Investment Strategy option, you should carefully consider your current and future need for the benefits provided by the rider.</div> <div style="text-align: justify; margin-bottom: 10pt; font-weight: bold;">GMWB RIDER CHARGE</div> <div style="text-align: justify; margin-bottom: 10pt;">We charge an additional monthly charge on the Monthly Anniversary Day for the GMWB rider.  The current GMWB rider charge is equal to 0.079% (0.95% annually) multiplied by the Guaranteed Withdrawal Balance.  We deduct the rider charge from each Subaccount in the same proportion that the value of each Subaccount is to the Contract Value.  We do not deduct the rider charge during the GMWB rider’s Settlement Phase.</div> <div style="text-align: justify; margin-bottom: 10pt; font-weight: bold;">We reserve the right to increase the current monthly rider charge percentage on the effective date of each step-up.  However, the current monthly rider charge percentage will never exceed 0.10% (1.20% annually).</div> <div style="text-align: justify; margin-bottom: 10pt; font-weight: bold;">The addition of the GMWB rider to a Contract may not always be in your interest since an additional charge is deducted monthly for this benefit and the Covered Person must attain age 65 and remain living for you to receive certain benefits.  Furthermore, the GMWB rider limits the investment options otherwise available under the Contract, contains age caps and limitations on an Owner’s rights and benefits at certain ages and values, and provides no guaranteed withdrawal benefits once payments begin under any of the payment options described in this Prospectus.  You should carefully consider each of these factors before deciding if the GMWB rider is suitable for your needs, especially at older ages.</div><div style="text-align: justify; margin-bottom: 10pt; font-weight: bold;">FEDERAL TAX ISSUES</div> <div style="text-align: justify; margin-bottom: 10pt;">The application of certain tax rules to the GMWB rider, particularly those rules relating to distributions from your Contract, are not entirely clear.  In this regard, we intend to treat any amounts received by you under the GMWB rider during the Settlement Phase as annuity payments for tax purposes.  However, we intend to treat the payments made to you prior to the Settlement Phase or to our establishing an annuity date, as withdrawals for tax purposes.  (See "<a href="#FEDERALTAXSTATUS">FEDERAL TAX STATUS</a>")  In view of this uncertainty, you should consult a tax adviser before purchasing a GMWB rider.</div> <div style="text-align: justify; margin-bottom: 10pt;">The value of the GMWB rider may need to be included in calculating Required Minimum Distributions under Qualified Contracts.  Consult a tax adviser.</div><div style="margin-bottom: 10pt; font-weight: bold;">THE FIXED ACCOUNT</div> <div style="text-align: justify; margin-bottom: 10pt;">You may allocate some or all of the premium and transfer some or all of the Variable Account Value to the Fixed Account. You may also make transfers from the Fixed Account, but restrictions may apply.  (See "<a href="#TRANSFERSFROMFIXEDACCOUNT">TRANSFERS FROM FIXED ACCOUNT</a>")  The Fixed Account is part of our general account and pays interest at declared rates guaranteed for each calendar year.  We guarantee the amount of premium paid plus guaranteed interest and less applicable deductions.  Information regarding the features of the Fixed Account investment option, including its term and minimum guaranteed interest, is available in Appendix A to this prospectus. (See "<a href="#APPENDIXAPORTFOLIOCOMPANI">Appendix A - Investment Options Available Under The Contract</a>").</div> <div style="text-align: justify; margin-bottom: 10pt;">Our general account supports our insurance and annuity obligations.  Since the Fixed Account is part of our general account, we assume the risk of investment gain or loss on this amount.  All assets in the general account are subject to our general liabilities from business operations.</div> <div style="text-align: justify; margin-bottom: 10pt;">The Fixed Account is not registered under the Securities Act of 1933 and is not registered as an investment company under the Investment Company Act of 1940.  Certain general provisions of the Federal securities laws relating to the accuracy and completeness of statements made in prospectuses still apply.</div><div style="text-align: justify; margin-bottom: 10pt; font-weight: bold;">GUARANTEED AND CURRENT INTEREST RATES</div> <div style="text-align: justify; margin-bottom: 10pt;">There are two interest rates that are applicable to the Fixed Account – the guaranteed interest rate and the current interest rate.  The actual rate credited to the Fixed Account Value is the greater of the guaranteed interest rate and the current interest rate.</div> <div style="text-align: justify; margin-bottom: 10pt;"><span style="font-weight: bold;">Guaranteed interest rate for Contracts issued on or after May 31, 2011, if approved in your state.</span>  The guaranteed interest rate is the minimum interest rate that we will credit to the Fixed Account Value.  We guarantee that this rate will be at least 1% but not more than 3% per year.</div><div style="text-align: justify; margin-bottom: 10pt;">We determine the guaranteed interest rate on your Contract Date and on each Redetermination Date thereafter which occurs on your first Contract Anniversary and each subsequent Contract Anniversary.  The guaranteed interest rate will be in effect from the Contract Date until the first Redetermination Date, and thereafter, from each Redetermination Date until the next Redetermination Date.</div> <div style="text-align: justify; margin-bottom: 10pt;">The redetermined guaranteed interest rate for the Fixed Account is based on the 5-year Constant Treasury Maturity monthly average rate for November of the previous calendar year published by the Federal Reserve (the "Treasury Rate"). The redetermined guaranteed interest rate for the Fixed Account will be calculated as the Treasury Rate rounded to the nearest five-hundredths of one percent (0.05%) reduced by 1.25%, and will be at least 1% and not more than 3% annually. We will notify you when your guaranteed interest rate is redetermined.</div> <div style="text-align: justify; margin-bottom: 10pt;"><span style="font-weight: bold;">Guaranteed interest rate for Contracts issued before May 31, 2011 and for Contracts issued on and after May 31, 2011 where the guaranteed interest rate described above has not been approved by your state.</span>  The guaranteed interest rate is the minimum interest rate that we will credit to the Fixed Account Value.  The guaranteed interest rate is 3% per year.</div> <div style="text-align: justify; margin-bottom: 10pt;"><span style="font-weight: bold;">Current Interest Rate.</span>  We may credit a current interest rate in excess of the guaranteed interest rate. Current interest rates are influenced by, but do not necessarily correspond to, prevailing market interest rates.  We will determine current interest rates at our discretion.  You assume the risk that the interest rate we credit may not exceed the guaranteed interest rate.  Since we anticipate changing the current interest rate from time to time, we may credit different allocations with different current interest rates, based upon the date amounts are allocated to the Fixed Account.  We will not change the current interest rate credited to funds in the Fixed Account more often than once each year. </div> <div style="text-align: justify; margin-bottom: 10pt;">For the purpose of crediting interest, we currently account for amounts deducted from the Fixed Account on a last-in, first out ("LIFO") basis.  We may change the method of crediting interest from time to time, provided that such changes do not have the effect of reducing the guaranteed rate of interest.  We may also shorten the period for which the interest rate applies to less than a year (except for the year in which such amount is received or transferred).  Contact your registered representative or the Home Office for current interest information.</div><div style="text-align: justify; margin-bottom: 10pt; font-variant: small-caps; font-weight: bold;">CALCULATION OF FIXED ACCOUNT VALUE</div> <div style="text-align: justify; margin-bottom: 10pt;">On the Contract Date, the Fixed Account Value is equal to the portion of the premium allocated to the Fixed Account.</div> <div style="text-align: justify; margin-bottom: 10pt;">On each Valuation Day thereafter, the Fixed Account Value is equal to:</div> <table cellpadding="0" class="DSPFListTable" id="z8877372d2cb24cca9f576778f25250f2" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000; border-spacing: 0px;"> <tr> <td style="width: 18pt; vertical-align: top;">•</td> <td style="width: auto; vertical-align: top; text-align: justify;"> <div>Fixed Account Value on the preceding Valuation Day; plus</div> </td> </tr> </table> <table cellpadding="0" class="DSPFListTable" id="z5161c442da7a4bf282c1c39caf1df938" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000; border-spacing: 0px;"> <tr> <td style="width: 18pt; vertical-align: top;">•</td> <td style="width: auto; vertical-align: top; text-align: justify;"> <div>amounts allocated or transferred to the Fixed Account; plus</div> </td> </tr> </table> <table cellpadding="0" class="DSPFListTable" id="z1d866ffda517443e9dd639a77f85dffe" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000; border-spacing: 0px;"> <tr> <td style="width: 18pt; vertical-align: top;">•</td> <td style="width: auto; vertical-align: top; text-align: justify;"> <div>interest credited; less</div> </td> </tr> </table> <table cellpadding="0" class="DSPFListTable" id="z0fd45503a6414244b79d50326aa760e1" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000; margin-bottom: 10pt; border-spacing: 0px;"> <tr> <td style="width: 18pt; vertical-align: top;">•</td> <td style="width: auto; vertical-align: top; text-align: justify;"> <div>amounts deducted, transferred, or surrendered from the Fixed Account since the preceding Valuation Day, including any interest.</div> </td> </tr> </table><div style="text-align: justify; margin-bottom: 10pt; font-variant: small-caps; font-weight: bold;">TRANSFERS FROM FIXED ACCOUNT</div> <div style="text-align: justify; margin-bottom: 10pt;">We allow one transfer each Contract Year from the Fixed Account.  During the first eight Contract Years, the amount transferred from the Fixed Account may not exceed the greatest of:</div> <table cellpadding="0" class="DSPFListTable" id="z09566408361b4f82ac4a1a4ac5a9103a" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000; border-spacing: 0px;"> <tr> <td style="width: 18pt; vertical-align: top;">•</td> <td style="width: auto; vertical-align: top; text-align: justify;"> <div>25% of the unloaned Fixed Account Value in the Fixed Account on the date of transfer (unless the balance after the transfer is less than $250, in which case we will transfer the entire amount); or</div> </td> </tr> </table> <table cellpadding="0" class="DSPFListTable" id="z197a4b5a9a22481c932e57f2c8cdf73b" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000; border-spacing: 0px;"> <tr> <td style="width: 18pt; vertical-align: top;">•</td> <td style="width: auto; vertical-align: top; text-align: justify;"> <div>the amount transferred out of the Fixed Account in the prior Contract Year; or</div> </td> </tr> </table> <table cellpadding="0" class="DSPFListTable" id="z8e26785f6145420d9b237a6109c5466d" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000; margin-bottom: 10pt; border-spacing: 0px;"> <tr> <td style="width: 18pt; vertical-align: top;">•</td> <td style="width: auto; vertical-align: top; text-align: justify;"> <div>$2,000 (or the unloaned Fixed Account Value, if less).</div> </td> </tr> </table> <div style="text-align: justify; margin-bottom: 10pt;">Beginning in the 9th Contract Year, there is no limitation on the amount transferred from the Fixed Account.</div> <div style="text-align: justify; margin-bottom: 10pt;">Because of the transfer limitations during the first eight Contract Years, it may take you several years to transfer all your Fixed Account Contract Value to the Variable Account.  You should carefully consider whether the Fixed Account meets your investment criteria.</div><div style="text-align: justify; margin-bottom: 10pt; font-variant: small-caps; font-weight: bold;">DELAY OF PAYMENT</div> <div style="text-align: justify; margin-bottom: 10pt;">We have the right to defer payment of any surrender, partial surrender, or transfer from the Fixed Account for up to six months from the date we receive Written Notice for a partial surrender, full surrender, or transfer.  If we do not make the payment within 30 days after we receive the documentation required to complete the transaction, we will add 3% interest to the amount paid from the date we receive documentation.  Some states may require that we pay interest on periods of delay less than 30 days and some states may require us to pay an interest rate higher than 3% when we delay payment Proceeds.</div><div style="margin-bottom: 10pt; font-weight: bold;">PAYMENT OPTIONS</div> <div style="text-align: justify; margin-bottom: 10pt;">The Contract offers a variety of ways, in addition to a lump sum, for you to receive Proceeds payable under the Contract.  Payment options are available for use with various types of Proceeds, such as surrender, death or maturity.  We summarize these payment options below.  All of these options are forms of fixed-benefit annuities which do not vary with the investment performance of a separate account.</div> <div style="text-align: justify; margin-bottom: 10pt;">The Contract ends on the Maturity Date (See "<a href="#PROCEEDSONMATURITYDATE">DESCRIPTION OF THE CONTRACT - PROCEEDS ON MATURITY DATE</a>") and we will pay the Proceeds to the payee under the payment option selected.  The amount we apply to the payment option will vary depending upon which payment option you select.  If you elect a Life Payment Option (Options 4 and 5 described below), we will apply the full Contract Value to that option.  If you elect a Non-Life Payment Option (Options 1, 2, and 3 described below) or you have elected to receive a lump sum payment, we will apply the Cash Surrender Value.  If you have not filed an election of a payment option with us on the Maturity Date, we will pay the Contract Proceeds as a life annuity with payments guaranteed for ten years.</div> <div style="text-align: justify; margin-bottom: 10pt;">You may also apply Contract Proceeds under a payment option prior to the Maturity Date.  If you elect a Life Payment Option, we will apply the full Contract Value.  If you elect a Non-Life Payment Option or a lump sum payment, we will apply the Cash Surrender Value.</div> <div style="text-align: justify; margin-bottom: 10pt;">You must apply 100% of the Contract Proceeds to a payment option. You may allocate your Contract Proceeds among a lump sum payment and one Life or Non-Life Payment Option.</div> <div style="text-align: justify; margin-bottom: 10pt;">The Beneficiary may also apply a death benefit (upon the Annuitant’s death) under a payment option.</div> <div style="text-align: justify; margin-bottom: 10pt;">Naming different persons as Owner and Annuitant can affect whether the death benefit is payable, the amount of the benefit, and who will receive it.  Use care when naming Owners, Annuitants and Beneficiaries, and consult your registered representative if you have questions.</div> <div style="text-align: justify; margin-bottom: 10pt;">We will deduct any premium tax applicable from Proceeds at the time payments start.  In order for us to pay Proceeds under a payment option or a lump sum, the Contract must be surrendered.</div> <div style="text-align: justify; margin-bottom: 10pt;">We describe the payment options available below.  The term "payee" means a person who is entitled to receive payment under that option.</div> <div style="text-align: justify; margin-bottom: 10pt;">If we have options or rates available on a more favorable basis than those guaranteed at the time a payment option is elected, the more favorable benefits will apply.</div> <div style="text-align: justify; margin-bottom: 10pt;">Annuity payments may be less than withdrawal amounts guaranteed under the GMWB rider, and the GMWB rider may not be suitable for Contract Owners who plan to annuitize.</div><div style="text-align: justify; margin-bottom: 10pt; font-variant: small-caps; font-weight: bold;">ELECTION OF OPTIONS</div> <div style="text-align: justify; margin-bottom: 10pt;">You may elect, revoke or change an option at any time before the Maturity Date while the Annuitant is living.  If the payee is not the Owner, we must provide our consent for the election of a payment option.  If an election is not in effect at the Annuitant's death or if payment is to be made in one sum under an existing election, the Beneficiary may elect one of the options after the Annuitant’s death.</div> <div style="text-align: justify; margin-bottom: 10pt;">An election of a payment option and any revocation or change must be made by Written Notice.  Proceeds of at least $2,000 are required for all payment options.  If Proceeds are insufficient for a payment option, the Proceeds will be paid in a lump sum.  You may not elect an option if any periodic payment under the election would be less than $50.  We may make payments less frequently so that each payment is at least $50.  Subject to this condition, we will make payments annually or monthly at the end of such period.</div><div style="text-align: justify; margin-bottom: 10pt; font-variant: small-caps; font-weight: bold;">DESCRIPTION OF OPTIONS</div> <div style="text-align: justify; text-indent: 18pt; margin-bottom: 10pt;"><span style="font-weight: bold; font-style: italic;">Option 1: Interest Payments.</span> We will make guaranteed interest payments to the payee annually or monthly as elected.  We will pay interest on the Proceeds at the guaranteed rate per year.  We may pay additional interest annually.  The Proceeds and any unpaid interest may be withdrawn in full at any time.</div> <div style="text-align: justify; text-indent: 18pt; margin-bottom: 10pt;"><span style="font-weight: bold; font-style: italic;">Option 2: Installments of a Specified Amount.</span> We will make annual or monthly payments until the Proceeds plus interest are fully paid.  We will pay interest on the Proceeds at the guaranteed rate per year.  We may pay additional interest.  The present value of any unpaid installments may be withdrawn at any time.<br/> <br/> </div><div style="text-align: justify; text-indent: 18pt; margin-bottom: 10pt;"><span style="font-weight: bold; font-style: italic;">Option 3: Installments for a Specified Period.</span> We will pay the Proceeds in equal annual or monthly payments for a specified number of years.  We will pay interest on the Proceeds at the guaranteed rate per year.  We may also pay additional interest.  The present value of any unpaid installments may be withdrawn at any time.</div> <div style="text-align: justify; text-indent: 18pt; margin-bottom: 10pt;"><span style="font-weight: bold; font-style: italic;">Option 4: Life Income</span>. We will pay an income during the payee's lifetime.  A minimum guaranteed payment period may be chosen.  Another form of minimum guaranteed payment period is the installment refund option under which we will make payments until the total income payments received equal the Proceeds applied.  If no minimum guaranteed payment period is chosen, it is possible for an Annuitant who dies after the first payment to receive only one annuity payment.</div> <div style="text-align: justify; text-indent: 18pt; margin-bottom: 10pt;"><span style="font-weight: bold; font-style: italic;">Option 5: Joint and Survivor Income</span>. We will pay an income during the lifetime of two persons and will continue to pay an income as long as either person is living.  A minimum guaranteed payment period of ten years may be chosen.</div> <div style="text-align: justify; text-indent: 18pt; margin-bottom: 10pt;"><span style="font-weight: bold; font-style: italic;">Choice of Options</span>: You may choose an option by Written Notice during the Annuitant’s lifetime.  If an option for payment of Proceeds is not in effect at the Annuitant’s death, the Beneficiary may make a choice.</div> <div style="margin-bottom: 10pt;">If you have a Qualified Contract, not all options will satisfy required minimum distribution requirements, particularly as those rules apply to your designated beneficiary after your death. For deaths occurring on or after January 1, 2020, subject to certain exceptions, most non-spouse beneficiaries must now complete their distributions within ten years of the death in order to satisfy required minimum distribution rules. Consult a tax advisor before electing an annuity income option under a Qualified Contract. If you elect Options 2 or 3 and withdraw the unpaid installments, our obligation under the payment option will end.</div> <table cellpadding="0" id="z38ab3fb1c5124c42bbe32f9d8c628ced" style="font-size: 10pt; width: 100%; border-spacing: 0px; border-collapse: collapse;"> <tr> <td style="width: 12.37%; vertical-align: middle; background-color: #D9D9D9; border-bottom: #000000 2px solid;"> <div style="font-weight: bold;">Name of Benefit</div> </td> <td style="width: 21.3%; vertical-align: middle; background-color: #D9D9D9; border-bottom: #000000 2px solid;"> <div style="font-weight: bold;">Purpose</div> </td> <td style="width: 18.85%; vertical-align: middle; background-color: #D9D9D9; border-bottom: #000000 2px solid;"> <div style="font-weight: bold;">Is Benefit Standard or Optional</div> </td> <td style="width: 15.59%; vertical-align: middle; background-color: #D9D9D9; border-bottom: #000000 2px solid;"> <div style="font-weight: bold;">Maximum Fee</div> </td> <td style="width: 31.88%; vertical-align: middle; background-color: #D9D9D9; border-bottom: #000000 2px solid;"> <div style="font-weight: bold;">Brief Description or Restrictions / Limitations</div> </td> </tr> <tr> <td style="vertical-align: middle; border-bottom: 2px solid rgb(0, 0, 0);"><span style="letter-spacing: normal; text-align: start; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; float: none; display: inline !important;">Five Plus^SM Guaranteed Minimum Withdrawal Benefit</span></td> <td style="vertical-align: middle; border-bottom: 2px solid rgb(0, 0, 0);"><span style="letter-spacing: normal; text-align: start; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; float: none; display: inline !important;">Guarantees return of amounts invested in the Contract or minimum annual income payments provided that the conditions of the rider are satisfied</span></td> <td style="vertical-align: middle; border-bottom: 2px solid rgb(0, 0, 0);"><span style="letter-spacing: normal; text-align: start; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; float: none; display: inline !important;">Optional</span></td> <td style="vertical-align: middle; border-bottom: 2px solid rgb(0, 0, 0);"><span style="letter-spacing: normal; text-align: start; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; float: none; display: inline !important;">0.10% (monthly)  1.20%(annually) of the Guaranteed Withdrawal Balance</span></td> <td style="border-width: medium medium 2px; border-style: none none solid; border-color: currentcolor currentcolor rgb(0, 0, 0);"> <div>•     Covered Person must be between age 20 and 80</div><div>•     In order to receive certain benefits, the Covered Person must attain age 65 and remain living;</div><div>•     Must invest only in Designated Subaccounts, which may reduce investment return</div><div>•     Cannot invest in the Fixed Account</div><div>•     Additional premiums may be limited</div><div>•     Withdrawals that exceed specified limits in a Contract Year may reduce the value of the GMWB by more       than the amount of the withdrawal or the rider may terminate</div> </td> </tr> <tr> <td style="vertical-align: middle; border-bottom: 2px solid rgb(0, 0, 0);">Death Benefit    </td> <td style="vertical-align: middle; border-bottom: 2px solid rgb(0, 0, 0);">Provides death benefit equal to the Cash Surrender Value if the Owner predeceases the Annuitant</td> <td style="vertical-align: middle; border-bottom: 2px solid rgb(0, 0, 0);">Standard</td> <td style="vertical-align: middle; border-bottom: 2px solid rgb(0, 0, 0);">No Charge</td> <td style="vertical-align: middle; border-bottom: 2px solid rgb(0, 0, 0);"><span style="letter-spacing: normal; text-align: start; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; font-size: 12pt;">•   </span><span style="letter-spacing: normal; text-align: start; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; float: none; display: inline !important;">Only applies if Owner and Annuitant are not the same individual</span></td> </tr><tr> <td style="width: 12.37%; vertical-align: middle; border-bottom: #000000 2px solid;"> <div>Base Guaranteed Minimum Death Benefit Option</div> </td> <td style="border-width: medium medium 2px; border-style: none none solid; border-color: currentcolor currentcolor rgb(0, 0, 0);"> <div>Provides death benefit equal to the greater of:</div> <div>•    Premiums paid, proportionately adjusted for partial surrenders,       less any loan balance; or</div><div>•    Contract Value less any loan balance</div> </td> <td style="width: 18.85%; vertical-align: middle; border-bottom: #000000 2px solid;"> <div>Standard</div> </td> <td style="width: 15.59%; vertical-align: middle; border-bottom: #000000 2px solid;"> <div>No Charge</div> </td> <td style="width: 31.88%; vertical-align: middle; border-bottom: #000000 2px solid;"><span style="letter-spacing: normal; text-align: start; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; font-size: 12pt;">•   </span><span style="letter-spacing: normal; text-align: start; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; float: none; display: inline !important;">Available at issue and any time after</span><br/> <div><span style="font-size: 12pt;">•</span><span class="TRGRRTFtoHTMLTab" style="display: inline-block; font-size: 1px; width: 9pt;"> </span>Withdrawals may reduce the value of the GMDB by more than the amount of the withdrawal</div> </td> </tr> <tr> <td style="width: 12.37%; vertical-align: middle; border-bottom: #000000 2px solid;"> <div>Annual Ratchet Guaranteed Minimum Death Benefit Option</div> </td> <td style="border-bottom: 2px solid rgb(0, 0, 0); border-top: none; border-left: none; border-right: none;"> <div>Provides death benefit generally equal to the greater of:</div> <div>•    Base Guaranteed Minimum Death Benefit Option amount; or</div><div>•    Highest Contract Value as of a prior Contract Anniversary,      proportionately adjusted for partial surrenders, less any loan balance</div><div>For ages above 80, the death benefit will equal the greater of (i) the death benefit described above plus any additional premiums paid; or (ii) the Contract Value.</div> </td> <td style="width: 18.85%; vertical-align: middle; border-bottom: #000000 2px solid;"> <div>Optional</div> </td> <td style="width: 15.59%; vertical-align: middle; border-bottom: #000000 2px solid;"> <div>0.20%</div> </td> <td style="width: 31.88%; vertical-align: middle; border-bottom: #000000 2px solid;"> <div><span style="letter-spacing: normal; text-align: start; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; float: none; display: inline !important;">•    Only available at issue of the Contract</span></div><span style="letter-spacing: normal; text-align: start; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; float: none; display: inline !important;">•    Only available to Annuitants with Issue Ages of 75 or below</span><div><span style="letter-spacing: normal; text-align: start; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; float: none; display: inline !important;">•    Withdrawals may reduce the value of the GMDB by more than the amount of the withdrawal</span></div> </td> </tr> <tr> <td style="width: 12.37%; vertical-align: middle; border-bottom: #000000 2px solid;"> <div>Enhanced Combination Guaranteed Minimum Death Benefit Option</div> </td> <td style="border-bottom: 2px solid rgb(0, 0, 0); border-top: none; border-left: none; border-right: none;"> <div>Provides death benefit generally equal to the greatest of:</div> <div> •    Base Guaranteed Minimum Death Benefit Option amount; or</div><div> •    Premiums paid, accumulated annually at 5% interest of two times       total premiums paid, less surrenders and any loan balance; or</div><div> •    Highest Contract Value as of a prior Contract Anniversary,       proportionately adjusted for partial surrenders, less any loan balance</div><div>For ages above 80, the death benefit will equal the greater of (i) the death benefit described above as of the Contract Anniversary following the Annuitant's 80th birthday, adjusted proportionately for partial surrenders, less any loan balance and plus any premiums paid since that date; or (ii) the Contract Value.</div> </td> <td style="width: 18.85%; vertical-align: middle; border-bottom: #000000 2px solid;"> <div>Optional</div> </td> <td style="width: 15.59%; vertical-align: middle; border-bottom: #000000 2px solid;"> <div>0.35%</div> </td> <td style="width: 31.88%; vertical-align: middle; border-bottom: #000000 2px solid;"> <div><span style="letter-spacing: normal; text-align: start; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; float: none; display: inline !important;">•    Only available at issue of the Contract</span></div><span style="letter-spacing: normal; text-align: start; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; float: none; display: inline !important;">•    Only available to Annuitants with Issue Ages of 70 or below</span><div><span style="letter-spacing: normal; text-align: start; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; float: none; display: inline !important;">•    Withdrawals may reduce the value of the GMDB by more than the amount of the withdrawal</span></div> </td> </tr> <tr> <td style="width: 12.37%; vertical-align: middle; border-bottom: #000000 2px solid;"> <div>Nursing Home Waiver of Surrender Charge</div> </td> <td style="width: 21.3%; vertical-align: middle; border-bottom: #000000 2px solid;"> <div style="margin-left: 1.5pt;">Waiver of Surrender Charge if you are admitted to a nursing home</div> </td> <td style="width: 18.85%; vertical-align: middle; border-bottom: #000000 2px solid;"> <div>Standard</div> </td> <td style="width: 15.59%; vertical-align: middle; border-bottom: #000000 2px solid;"> <div>No Charge</div> </td> <td style="width: 31.88%; vertical-align: middle; border-bottom: #000000 2px solid;"> <div>•     Must provide satisfactory proof of admission to licensed nursing home;</div> <div>•     Contract Value must be paid out in equal amounts over a period of at least three years; and</div> <div>•     Must be confined to a licensed nursing home at least 90 days before waiver</div> </td> </tr><tr> <td style="vertical-align: middle; border-bottom: 2px solid rgb(0, 0, 0);">Contract Loan</td> <td style="vertical-align: middle; border-bottom: 2px solid rgb(0, 0, 0);">Allows you to borrow from the Contract using your Contract Value as collateral</td> <td style="vertical-align: middle; border-bottom: 2px solid rgb(0, 0, 0);">Standard</td> <td style="vertical-align: middle; border-bottom: 2px solid rgb(0, 0, 0);">5% net loan interest (as a percentage of amounts held in the loan account)</td> <td style="border-bottom: 2px solid rgb(0, 0, 0); border-top: none; border-left: none; border-right: none;"> <div>•     Only available under section 403(b) TSA Qualified Contracts, if permitted by employer's section 403(b)        plan</div><div>•     Only one loan per Contract Year</div><div>•     Minimum and maximum loan amounts apply</div><div>•     Loans may have adverse tax consequences</div> </td> </tr><tr> <td style="vertical-align: middle; border-bottom: 2px solid rgb(0, 0, 0);">Dollar Cost Averaging Plan</td> <td style="vertical-align: middle; border-bottom: 2px solid rgb(0, 0, 0);">Allows you to automatically transfer amounts from the Federated Hermes Government Money Fund II Subaccount to other Subaccounts on a monthly basis</td> <td style="vertical-align: middle; border-bottom: 2px solid rgb(0, 0, 0);">Standard</td> <td style="vertical-align: middle; border-bottom: 2px solid rgb(0, 0, 0);">No Charge</td> <td style="border-bottom: 2px solid rgb(0, 0, 0); border-top: none; border-left: none; border-right: none;"> <div>•     Minimum $250 transfer amount each month</div><div>•     Not allowed at the same time as Portfolio Rebalancing</div> </td> </tr><tr> <td style="vertical-align: middle; border-bottom: 2px solid rgb(0, 0, 0);">Portfolio Rebalancing Plan</td> <td style="vertical-align: middle; border-bottom: 2px solid rgb(0, 0, 0);">Automatically redistributes the accumulated balance of each Subaccount to equal a specified percentage of the Variable Account Value on a quarterly basis</td> <td style="vertical-align: middle; border-bottom: 2px solid rgb(0, 0, 0);">Standard</td> <td style="vertical-align: middle; border-bottom: 2px solid rgb(0, 0, 0);">No Charge</td> <td style="vertical-align: middle; border-bottom: 2px solid rgb(0, 0, 0);"><span style="letter-spacing: normal; text-align: start; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; font-size: 12pt; font-family: TimesNewRoman, Times New Roman, Times, Baskerville, Georgia, serif;"><span style="font-size: 10pt">•     Not allowed at the same time as Dollar Cost Averaging</span></span></td> </tr><tr> <td style="vertical-align: middle; border-bottom: 2px solid rgb(0, 0, 0);">Systematic Partial Surrender Plan</td> <td style="vertical-align: middle; border-bottom: 2px solid rgb(0, 0, 0);">Automatically surrenders a specified dollar amount from the Contract on a monthly, quarterly, semi-annual or annual basis</td> <td style="vertical-align: middle; border-bottom: 2px solid rgb(0, 0, 0);">Standard</td> <td style="vertical-align: middle; border-bottom: 2px solid rgb(0, 0, 0);">No Charge</td> <td style="border-bottom: 2px solid rgb(0, 0, 0); border-top: none; border-left: none; border-right: none;"> <div>•     Minimum $100 partial surrender amount</div><div>•     Partial surrenders may have adverse tax consequences</div> </td> </tr> </table> <span style="letter-spacing: normal; text-align: start; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; float: none; display: inline !important;">Five Plus^SM Guaranteed Minimum Withdrawal Benefit</span> <span style="letter-spacing: normal; text-align: start; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; float: none; display: inline !important;">Guarantees return of amounts invested in the Contract or minimum annual income payments provided that the conditions of the rider are satisfied</span> true 0.001 0.012 <div>•     Covered Person must be between age 20 and 80</div><div>•     In order to receive certain benefits, the Covered Person must attain age 65 and remain living;</div><div>•     Must invest only in Designated Subaccounts, which may reduce investment return</div><div>•     Cannot invest in the Fixed Account</div><div>•     Additional premiums may be limited</div><div>•     Withdrawals that exceed specified limits in a Contract Year may reduce the value of the GMWB by more       than the amount of the withdrawal or the rider may terminate</div> Death Benefit Provides death benefit equal to the Cash Surrender Value if the Owner predeceases the Annuitant true <span style="letter-spacing: normal; text-align: start; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; font-size: 12pt;">•   </span><span style="letter-spacing: normal; text-align: start; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; float: none; display: inline !important;">Only applies if Owner and Annuitant are not the same individual</span> Base Guaranteed Minimum Death Benefit Option <div>Provides death benefit equal to the greater of:</div> <div>•    Premiums paid, proportionately adjusted for partial surrenders,       less any loan balance; or</div><div>•    Contract Value less any loan balance</div> true <span style="letter-spacing: normal; text-align: start; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; font-size: 12pt;">•   </span><span style="letter-spacing: normal; text-align: start; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; float: none; display: inline !important;">Available at issue and any time after</span><br/> <div><span style="font-size: 12pt;">•</span><span class="TRGRRTFtoHTMLTab" style="display: inline-block; font-size: 1px; width: 9pt;"> </span>Withdrawals may reduce the value of the GMDB by more than the amount of the withdrawal</div> Annual Ratchet Guaranteed Minimum Death Benefit Option <div>Provides death benefit generally equal to the greater of:</div> <div>•    Base Guaranteed Minimum Death Benefit Option amount; or</div><div>•    Highest Contract Value as of a prior Contract Anniversary,      proportionately adjusted for partial surrenders, less any loan balance</div><div>For ages above 80, the death benefit will equal the greater of (i) the death benefit described above plus any additional premiums paid; or (ii) the Contract Value.</div> true 0.002 <div><span style="letter-spacing: normal; text-align: start; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; float: none; display: inline !important;">•    Only available at issue of the Contract</span></div><span style="letter-spacing: normal; text-align: start; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; float: none; display: inline !important;">•    Only available to Annuitants with Issue Ages of 75 or below</span><div><span style="letter-spacing: normal; text-align: start; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; float: none; display: inline !important;">•    Withdrawals may reduce the value of the GMDB by more than the amount of the withdrawal</span></div> Enhanced Combination Guaranteed Minimum Death Benefit Option <div>Provides death benefit generally equal to the greatest of:</div> <div> •    Base Guaranteed Minimum Death Benefit Option amount; or</div><div> •    Premiums paid, accumulated annually at 5% interest of two times       total premiums paid, less surrenders and any loan balance; or</div><div> •    Highest Contract Value as of a prior Contract Anniversary,       proportionately adjusted for partial surrenders, less any loan balance</div><div>For ages above 80, the death benefit will equal the greater of (i) the death benefit described above as of the Contract Anniversary following the Annuitant's 80th birthday, adjusted proportionately for partial surrenders, less any loan balance and plus any premiums paid since that date; or (ii) the Contract Value.</div> true 0.0035 <div><span style="letter-spacing: normal; text-align: start; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; float: none; display: inline !important;">•    Only available at issue of the Contract</span></div><span style="letter-spacing: normal; text-align: start; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; float: none; display: inline !important;">•    Only available to Annuitants with Issue Ages of 70 or below</span><div><span style="letter-spacing: normal; text-align: start; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; float: none; display: inline !important;">•    Withdrawals may reduce the value of the GMDB by more than the amount of the withdrawal</span></div> Nursing Home Waiver of Surrender Charge Waiver of Surrender Charge if you are admitted to a nursing home true <div>•     Must provide satisfactory proof of admission to licensed nursing home;</div> <div>•     Contract Value must be paid out in equal amounts over a period of at least three years; and</div> <div>•     Must be confined to a licensed nursing home at least 90 days before waiver</div> Contract Loan Allows you to borrow from the Contract using your Contract Value as collateral true 0.05 <div>•     Only available under section 403(b) TSA Qualified Contracts, if permitted by employer's section 403(b)        plan</div><div>•     Only one loan per Contract Year</div><div>•     Minimum and maximum loan amounts apply</div><div>•     Loans may have adverse tax consequences</div> Dollar Cost Averaging Plan Allows you to automatically transfer amounts from the Federated Hermes Government Money Fund II Subaccount to other Subaccounts on a monthly basis true <div>•     Minimum $250 transfer amount each month</div><div>•     Not allowed at the same time as Portfolio Rebalancing</div> Portfolio Rebalancing Plan Automatically redistributes the accumulated balance of each Subaccount to equal a specified percentage of the Variable Account Value on a quarterly basis true <span style="letter-spacing: normal; text-align: start; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; font-size: 12pt; font-family: TimesNewRoman, Times New Roman, Times, Baskerville, Georgia, serif;"><span style="font-size: 10pt">•     Not allowed at the same time as Dollar Cost Averaging</span></span> Systematic Partial Surrender Plan Automatically surrenders a specified dollar amount from the Contract on a monthly, quarterly, semi-annual or annual basis true <div>•     Minimum $100 partial surrender amount</div><div>•     Partial surrenders may have adverse tax consequences</div> <div style="text-align: justify; margin-bottom: 6pt; font-weight: bold;">DEATH BENEFITS</div><div style="text-align: justify; margin-bottom: 6pt; font-style: italic; font-weight: bold;">Death benefits before the Settlement Phase</div><div style="text-align: justify; margin-bottom: 10pt;">If you die while the GMWB rider is in effect but before<span style="font-style: italic;"> </span>the Settlement Phase, the GMWB rider generally will terminate.  This means Kansas City Life will make no more payments under this rider.</div><div style="text-align: justify; margin-bottom: 10pt;">However, if (i) you die while the GMWB rider is in effect but before the Settlement Phase, (ii) the sole Beneficiary is your surviving spouse, and (iii) your surviving spouse does not elect to take the death benefit under the terms of the Contract, the following will apply:</div><table cellpadding="0" id="z4e8fee7998774c639a7893fb3a898743" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000; border-spacing: 0px;"> <tr> <td style="width: 27.93%; vertical-align: middle; background-color: #D9D9D9; border-bottom: #000000 2px solid;"> <div style="text-align: center; font-weight: bold;">If:</div> </td> <td style="width: 72.07%; vertical-align: middle; background-color: #D9D9D9; border-bottom: #000000 2px solid;"> <div style="text-align: center; font-weight: bold;">Then the GMWB rider:</div> </td> </tr> <tr> <td style="width: 27.93%; vertical-align: middle; border-bottom: #000000 2px solid;"> <div>the Covered Person is no longer alive</div> </td> <td style="width: 72.07%; vertical-align: middle; border-bottom: #000000 2px solid;"> <div style="text-align: justify; text-indent: -13.55pt; margin-left: 13.55pt;">•<span class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 13.55pt"> </span>Does not continue with respect to the Lifetime Income Amount, but continues with respect to the Guaranteed Withdrawal Amount if the death benefit or the Guaranteed Withdrawal Balance is greater than zero. We will automatically step-up the Guaranteed Withdrawal Balance to equal the death benefit on the date it is determined, if the death benefit on that date is greater than the Guaranteed Withdrawal Balance.</div> <div style="text-align: justify; text-indent: -13.55pt; margin-left: 13.55pt;">•<span class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 13.55pt"> </span>Enters the Settlement Phase if a withdrawal would reduce the Contract Value to zero, and the Guaranteed Withdrawal Balance is still greater than zero.</div> <div style="text-align: justify; text-indent: -13.55pt; margin-left: 13.55pt;">•<span class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 13.55pt"> </span>Continues to impose the GMWB rider charge.</div> <div style="text-align: justify; text-indent: -13.55pt; margin-left: 13.55pt;">•<span class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 13.55pt"> </span>Continues to be eligible for any remaining bonuses and step-ups. We will permit the spouse to opt out of the initial death benefit step-up, if any, and any future step-ups if we would increase the rate of the GMWB rider charge at that time.</div> </td> </tr> <tr> <td style="width: 27.93%; vertical-align: middle; border-bottom: #000000 2px solid;"> <div>the Covered Person is alive</div> <div>(e.g.  if the Beneficiary is the Covered Person)</div> </td> <td style="width: 72.07%; vertical-align: middle; border-bottom: #000000 2px solid;"> <div style="text-align: justify; text-indent: -13.55pt; margin-left: 13.55pt;">•<span class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 13.55pt"> </span>Continues with respect to the Lifetime Income Amount for the Beneficiary. If the Lifetime Income Amount has not been determined prior to the payment of the death benefit, we will determine the initial Lifetime Income Amount on the first Contract Anniversary after the Covered Person has reached age 65.</div> <div style="text-align: justify; text-indent: -13.55pt; margin-left: 13.55pt;">•<span class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 13.55pt"> </span>Continues with respect to the Guaranteed Withdrawal Amount if the death benefit or the Guaranteed Withdrawal Balance is greater than zero. <span style="font-weight: bold;"> </span>We will automatically step-up the Guaranteed Withdrawal Balance to equal the death benefit on the date it is determined, if the death benefit on that date is greater than the Guaranteed Withdrawal Balance.</div> <div style="text-align: justify; text-indent: -13.55pt; margin-left: 13.55pt;">•<span class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 13.55pt"> </span>Enters the Settlement Phase if a withdrawal would reduce the Contract Value to zero, and either the Lifetime Income Amount or the Guaranteed Withdrawal Balance is still greater than zero.</div> <div style="text-align: justify; text-indent: -13.55pt; margin-left: 13.55pt;">•<span class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 13.55pt"> </span>Continues to impose the GMWB rider charge.</div> <div style="text-align: justify; text-indent: -13.55pt; margin-left: 13.55pt;">•<span class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 13.55pt"> </span>Continues to be eligible for any remaining bonuses and step-ups. We will permit the spouse to opt out of the initial death benefit step-up, if any, and any future step-ups if we would increase the rate of the GMWB rider charge at that time.</div> </td> </tr> </table><div style="text-align: justify; margin-bottom: 10pt;">Note that under Qualified Contracts other than IRAs, spousal continuation will not satisfy Required Minimum Distributions.  Consult a tax adviser.</div><div style="text-align: justify; margin-bottom: 10pt; font-style: italic; font-weight: bold;">Death benefit during the Settlement Phase</div><div style="text-align: justify; margin-bottom: 10pt;">If the Covered Person dies during the Settlement Phase, no death benefit under the Contract will be payable.  The only death benefit we provide are the remaining settlement payments that may become due under the GMWB rider.  Those payments will be made at least as rapidly as they were being paid before the death of the Covered Person. Additional restrictions may apply to Qualified Contracts in order to satisfy Required Minimum Distributions.</div><div style="text-align: justify; margin-bottom: 10pt; font-weight: bold;">TERMINATION</div><div style="text-align: justify; margin-bottom: 6pt;">Although the GMWB rider provides that you may not terminate the rider for five years from the Rider Effective Date, we are currently waiving this provision.  Therefore, you may currently terminate your GMWB rider at any time.</div><div style="text-align: justify; margin-bottom: 10pt;">In addition, there are circumstances under which your GMWB rider will terminate automatically.  The GMWB rider will terminate upon the earliest of:</div><table cellpadding="0" class="DSPFListTable" id="z72f1343c477248e7ac6672bdf45198cb" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000; border-spacing: 0px;"> <tr> <td style="width: 18pt; vertical-align: top;">•</td> <td style="width: auto; vertical-align: top; text-align: justify;"> <div style="font-weight: bold;">the date the Contract terminates for any reason; or</div> </td> </tr> </table><table cellpadding="0" class="DSPFListTable" id="zac0b82d4ccd94306b06b31536c546a2b" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000; border-spacing: 0px;"> <tr> <td style="width: 18pt; vertical-align: top;">•</td> <td style="width: auto; vertical-align: top; text-align: justify;"> <div style="font-weight: bold;">the date this rider is cancelled by you; or</div> </td> </tr> </table><table cellpadding="0" class="DSPFListTable" id="z282886899eb744fcb574619799484df1" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000; border-spacing: 0px;"> <tr> <td style="width: 18pt; vertical-align: top;">•</td> <td style="width: auto; vertical-align: top; text-align: justify;"> <div>the date a death benefit is payable upon the death of any Owner, unless the surviving spouse is the sole Beneficiary; or</div> </td> </tr> </table><table cellpadding="0" class="DSPFListTable" id="z28f171e3a097405ca5a36a023b84715d" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000; border-spacing: 0px;"> <tr> <td style="width: 18pt; vertical-align: top;">•</td> <td style="width: auto; vertical-align: top; text-align: justify;"> <div>the date a death benefit is payable upon the death of the Owner and the Beneficiary takes the death benefit under the terms of the Contract; or</div> </td> </tr> </table><table cellpadding="0" class="DSPFListTable" id="z3cae6eafdf624c81bdd2bfa41ed76fad" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000; border-spacing: 0px;"> <tr> <td style="width: 18pt; vertical-align: top;">•</td> <td style="width: auto; vertical-align: top; text-align: justify;"> <div>the date a death benefit is payable upon the death of the Annuitant who is not the Owner; or</div> </td> </tr> </table><table cellpadding="0" class="DSPFListTable" id="z13aeeae1101e4f2aa6f429a847766199" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000; border-spacing: 0px;"> <tr> <td style="width: 18pt; vertical-align: top;">•</td> <td style="width: auto; vertical-align: top; text-align: justify;"> <div>the date an annuity option under the Contract begins; or</div> </td> </tr> </table><table cellpadding="0" class="DSPFListTable" id="z251dae6b81ed4de78201565b2e56f3b4" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000; border-spacing: 0px;"> <tr> <td style="width: 18pt; vertical-align: top;">•</td> <td style="width: auto; vertical-align: top; text-align: justify;"> <div>the date the Contract Value, the Guaranteed Withdrawal Balance, and the Lifetime Income Amount all equal zero; or</div> </td> </tr> </table><table cellpadding="0" class="DSPFListTable" id="ze3570477d1f14f64ac3b3e499c1be3e8" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000; margin-bottom: 10pt; border-spacing: 0px;"> <tr> <td style="width: 18pt; vertical-align: top;">•</td> <td style="width: auto; vertical-align: top; text-align: justify;"> <div>the date you change your allocation instructions or transfer Contract Value to an investment option other than to an Investment Strategy option.</div> </td> </tr> </table><div style="text-align: justify; margin-bottom: 10pt;">Upon termination of the GMWB rider, your Guaranteed Withdrawal Balance will decline to zero, and we will not refund any GMWB rider charge that you previously paid. (See “<a href="#GMWBRIDERCHARGE">GMWB RIDER CHARGE</a>”) Before cancelling the GMWB rider or taking any other action that would cause the rider to terminate, such as allocating Contract Value to an investment option other than an Investment Strategy option, you should carefully consider your current and future need for the benefits provided by the rider.</div><div style="text-align: justify; margin-bottom: 10pt; font-weight: bold;">GMWB RIDER CHARGE</div><div style="text-align: justify; margin-bottom: 10pt;">We charge an additional monthly charge on the Monthly Anniversary Day for the GMWB rider.  The current GMWB rider charge is equal to 0.079% (0.95% annually) multiplied by the Guaranteed Withdrawal Balance.  We deduct the rider charge from each Subaccount in the same proportion that the value of each Subaccount is to the Contract Value.  We do not deduct the rider charge during the GMWB rider’s Settlement Phase.</div><div style="text-align: justify; margin-bottom: 10pt; font-weight: bold;">We reserve the right to increase the current monthly rider charge percentage on the effective date of each step-up.  However, the current monthly rider charge percentage will never exceed 0.10% (1.20% annually).</div><div style="text-align: justify; margin-bottom: 10pt; font-weight: bold;">The addition of the GMWB rider to a Contract may not always be in your interest since an additional charge is deducted monthly for this benefit and the Covered Person must attain age 65 and remain living for you to receive certain benefits.  Furthermore, the GMWB rider limits the investment options otherwise available under the Contract, contains age caps and limitations on an Owner’s rights and benefits at certain ages and values, and provides no guaranteed withdrawal benefits once payments begin under any of the payment options described in this Prospectus.  You should carefully consider each of these factors before deciding if the GMWB rider is suitable for your needs, especially at older ages.</div><div style="text-align: justify; margin-bottom: 10pt; font-weight: bold;">FEDERAL TAX ISSUES</div><div style="text-align: justify; margin-bottom: 10pt;">The application of certain tax rules to the GMWB rider, particularly those rules relating to distributions from your Contract, are not entirely clear.  In this regard, we intend to treat any amounts received by you under the GMWB rider during the Settlement Phase as annuity payments for tax purposes.  However, we intend to treat the payments made to you prior to the Settlement Phase or to our establishing an annuity date, as withdrawals for tax purposes.  (See "<a href="#FEDERALTAXSTATUS">FEDERAL TAX STATUS</a>")  In view of this uncertainty, you should consult a tax adviser before purchasing a GMWB rider.</div><div style="text-align: justify; margin-bottom: 10pt;">The value of the GMWB rider may need to be included in calculating Required Minimum Distributions under Qualified Contracts.  Consult a tax adviser.</div><div style="margin-bottom: 10pt; font-weight: bold;">THE FIXED ACCOUNT</div><div style="text-align: justify; margin-bottom: 10pt;">You may allocate some or all of the premium and transfer some or all of the Variable Account Value to the Fixed Account. You may also make transfers from the Fixed Account, but restrictions may apply.  (See "<a href="#TRANSFERSFROMFIXEDACCOUNT">TRANSFERS FROM FIXED ACCOUNT</a>")  The Fixed Account is part of our general account and pays interest at declared rates guaranteed for each calendar year.  We guarantee the amount of premium paid plus guaranteed interest and less applicable deductions.  Information regarding the features of the Fixed Account investment option, including its term and minimum guaranteed interest, is available in Appendix A to this prospectus. (See "<a href="#APPENDIXAPORTFOLIOCOMPANI">Appendix A - Investment Options Available Under The Contract</a>").</div><div style="text-align: justify; margin-bottom: 10pt;">Our general account supports our insurance and annuity obligations.  Since the Fixed Account is part of our general account, we assume the risk of investment gain or loss on this amount.  All assets in the general account are subject to our general liabilities from business operations.</div><div style="text-align: justify; margin-bottom: 10pt;">The Fixed Account is not registered under the Securities Act of 1933 and is not registered as an investment company under the Investment Company Act of 1940.  Certain general provisions of the Federal securities laws relating to the accuracy and completeness of statements made in prospectuses still apply.</div><div style="text-align: justify; margin-bottom: 10pt; font-weight: bold;">GUARANTEED AND CURRENT INTEREST RATES</div><div style="text-align: justify; margin-bottom: 10pt;">There are two interest rates that are applicable to the Fixed Account – the guaranteed interest rate and the current interest rate.  The actual rate credited to the Fixed Account Value is the greater of the guaranteed interest rate and the current interest rate.</div><div style="text-align: justify; margin-bottom: 10pt;"><span style="font-weight: bold;">Guaranteed interest rate for Contracts issued on or after May 31, 2011, if approved in your state.</span>  The guaranteed interest rate is the minimum interest rate that we will credit to the Fixed Account Value.  We guarantee that this rate will be at least 1% but not more than 3% per year.</div><div style="text-align: justify; margin-bottom: 10pt;">We determine the guaranteed interest rate on your Contract Date and on each Redetermination Date thereafter which occurs on your first Contract Anniversary and each subsequent Contract Anniversary.  The guaranteed interest rate will be in effect from the Contract Date until the first Redetermination Date, and thereafter, from each Redetermination Date until the next Redetermination Date.</div><div style="text-align: justify; margin-bottom: 10pt;">The redetermined guaranteed interest rate for the Fixed Account is based on the 5-year Constant Treasury Maturity monthly average rate for November of the previous calendar year published by the Federal Reserve (the "Treasury Rate"). The redetermined guaranteed interest rate for the Fixed Account will be calculated as the Treasury Rate rounded to the nearest five-hundredths of one percent (0.05%) reduced by 1.25%, and will be at least 1% and not more than 3% annually. We will notify you when your guaranteed interest rate is redetermined.</div><div style="text-align: justify; margin-bottom: 10pt;"><span style="font-weight: bold;">Guaranteed interest rate for Contracts issued before May 31, 2011 and for Contracts issued on and after May 31, 2011 where the guaranteed interest rate described above has not been approved by your state.</span>  The guaranteed interest rate is the minimum interest rate that we will credit to the Fixed Account Value.  The guaranteed interest rate is 3% per year.</div><div style="text-align: justify; margin-bottom: 10pt;"><span style="font-weight: bold;">Current Interest Rate.</span>  We may credit a current interest rate in excess of the guaranteed interest rate. Current interest rates are influenced by, but do not necessarily correspond to, prevailing market interest rates.  We will determine current interest rates at our discretion.  You assume the risk that the interest rate we credit may not exceed the guaranteed interest rate.  Since we anticipate changing the current interest rate from time to time, we may credit different allocations with different current interest rates, based upon the date amounts are allocated to the Fixed Account.  We will not change the current interest rate credited to funds in the Fixed Account more often than once each year. </div><div style="text-align: justify; margin-bottom: 10pt;">For the purpose of crediting interest, we currently account for amounts deducted from the Fixed Account on a last-in, first out ("LIFO") basis.  We may change the method of crediting interest from time to time, provided that such changes do not have the effect of reducing the guaranteed rate of interest.  We may also shorten the period for which the interest rate applies to less than a year (except for the year in which such amount is received or transferred).  Contact your registered representative or the Home Office for current interest information.</div><div style="text-align: justify; margin-bottom: 10pt; font-variant: small-caps; font-weight: bold;">CALCULATION OF FIXED ACCOUNT VALUE</div><div style="text-align: justify; margin-bottom: 10pt;">On the Contract Date, the Fixed Account Value is equal to the portion of the premium allocated to the Fixed Account.</div><div style="text-align: justify; margin-bottom: 10pt;">On each Valuation Day thereafter, the Fixed Account Value is equal to:</div><table cellpadding="0" class="DSPFListTable" id="z8877372d2cb24cca9f576778f25250f2" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000; border-spacing: 0px;"> <tr> <td style="width: 18pt; vertical-align: top;">•</td> <td style="width: auto; vertical-align: top; text-align: justify;"> <div>Fixed Account Value on the preceding Valuation Day; plus</div> </td> </tr> </table><table cellpadding="0" class="DSPFListTable" id="z5161c442da7a4bf282c1c39caf1df938" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000; border-spacing: 0px;"> <tr> <td style="width: 18pt; vertical-align: top;">•</td> <td style="width: auto; vertical-align: top; text-align: justify;"> <div>amounts allocated or transferred to the Fixed Account; plus</div> </td> </tr> </table><table cellpadding="0" class="DSPFListTable" id="z1d866ffda517443e9dd639a77f85dffe" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000; border-spacing: 0px;"> <tr> <td style="width: 18pt; vertical-align: top;">•</td> <td style="width: auto; vertical-align: top; text-align: justify;"> <div>interest credited; less</div> </td> </tr> </table><table cellpadding="0" class="DSPFListTable" id="z0fd45503a6414244b79d50326aa760e1" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000; margin-bottom: 10pt; border-spacing: 0px;"> <tr> <td style="width: 18pt; vertical-align: top;">•</td> <td style="width: auto; vertical-align: top; text-align: justify;"> <div>amounts deducted, transferred, or surrendered from the Fixed Account since the preceding Valuation Day, including any interest.</div> </td> </tr> </table><div style="text-align: justify; margin-bottom: 10pt; font-variant: small-caps; font-weight: bold;">TRANSFERS FROM FIXED ACCOUNT</div><div style="text-align: justify; margin-bottom: 10pt;">We allow one transfer each Contract Year from the Fixed Account.  During the first eight Contract Years, the amount transferred from the Fixed Account may not exceed the greatest of:</div><table cellpadding="0" class="DSPFListTable" id="z09566408361b4f82ac4a1a4ac5a9103a" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000; border-spacing: 0px;"> <tr> <td style="width: 18pt; vertical-align: top;">•</td> <td style="width: auto; vertical-align: top; text-align: justify;"> <div>25% of the unloaned Fixed Account Value in the Fixed Account on the date of transfer (unless the balance after the transfer is less than $250, in which case we will transfer the entire amount); or</div> </td> </tr> </table><table cellpadding="0" class="DSPFListTable" id="z197a4b5a9a22481c932e57f2c8cdf73b" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000; border-spacing: 0px;"> <tr> <td style="width: 18pt; vertical-align: top;">•</td> <td style="width: auto; vertical-align: top; text-align: justify;"> <div>the amount transferred out of the Fixed Account in the prior Contract Year; or</div> </td> </tr> </table><table cellpadding="0" class="DSPFListTable" id="z8e26785f6145420d9b237a6109c5466d" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000; margin-bottom: 10pt; border-spacing: 0px;"> <tr> <td style="width: 18pt; vertical-align: top;">•</td> <td style="width: auto; vertical-align: top; text-align: justify;"> <div>$2,000 (or the unloaned Fixed Account Value, if less).</div> </td> </tr> </table><div style="text-align: justify; margin-bottom: 10pt;">Beginning in the 9th Contract Year, there is no limitation on the amount transferred from the Fixed Account.</div><div style="text-align: justify; margin-bottom: 10pt;">Because of the transfer limitations during the first eight Contract Years, it may take you several years to transfer all your Fixed Account Contract Value to the Variable Account.  You should carefully consider whether the Fixed Account meets your investment criteria.</div><div style="text-align: justify; margin-bottom: 10pt; font-variant: small-caps; font-weight: bold;">DELAY OF PAYMENT</div><div style="text-align: justify; margin-bottom: 10pt;">We have the right to defer payment of any surrender, partial surrender, or transfer from the Fixed Account for up to six months from the date we receive Written Notice for a partial surrender, full surrender, or transfer.  If we do not make the payment within 30 days after we receive the documentation required to complete the transaction, we will add 3% interest to the amount paid from the date we receive documentation.  Some states may require that we pay interest on periods of delay less than 30 days and some states may require us to pay an interest rate higher than 3% when we delay payment Proceeds.</div><div style="margin-bottom: 10pt; font-weight: bold;">PAYMENT OPTIONS</div><div style="text-align: justify; margin-bottom: 10pt;">The Contract offers a variety of ways, in addition to a lump sum, for you to receive Proceeds payable under the Contract.  Payment options are available for use with various types of Proceeds, such as surrender, death or maturity.  We summarize these payment options below.  All of these options are forms of fixed-benefit annuities which do not vary with the investment performance of a separate account.</div><div style="text-align: justify; margin-bottom: 10pt;">The Contract ends on the Maturity Date (See "<a href="#PROCEEDSONMATURITYDATE">DESCRIPTION OF THE CONTRACT - PROCEEDS ON MATURITY DATE</a>") and we will pay the Proceeds to the payee under the payment option selected.  The amount we apply to the payment option will vary depending upon which payment option you select.  If you elect a Life Payment Option (Options 4 and 5 described below), we will apply the full Contract Value to that option.  If you elect a Non-Life Payment Option (Options 1, 2, and 3 described below) or you have elected to receive a lump sum payment, we will apply the Cash Surrender Value.  If you have not filed an election of a payment option with us on the Maturity Date, we will pay the Contract Proceeds as a life annuity with payments guaranteed for ten years.</div><div style="text-align: justify; margin-bottom: 10pt;">You may also apply Contract Proceeds under a payment option prior to the Maturity Date.  If you elect a Life Payment Option, we will apply the full Contract Value.  If you elect a Non-Life Payment Option or a lump sum payment, we will apply the Cash Surrender Value.</div><div style="text-align: justify; margin-bottom: 10pt;">You must apply 100% of the Contract Proceeds to a payment option. You may allocate your Contract Proceeds among a lump sum payment and one Life or Non-Life Payment Option.</div><div style="text-align: justify; margin-bottom: 10pt;">The Beneficiary may also apply a death benefit (upon the Annuitant’s death) under a payment option.</div><div style="text-align: justify; margin-bottom: 10pt;">Naming different persons as Owner and Annuitant can affect whether the death benefit is payable, the amount of the benefit, and who will receive it.  Use care when naming Owners, Annuitants and Beneficiaries, and consult your registered representative if you have questions.</div><div style="text-align: justify; margin-bottom: 10pt;">We will deduct any premium tax applicable from Proceeds at the time payments start.  In order for us to pay Proceeds under a payment option or a lump sum, the Contract must be surrendered.</div><div style="text-align: justify; margin-bottom: 10pt;">We describe the payment options available below.  The term "payee" means a person who is entitled to receive payment under that option.</div><div style="text-align: justify; margin-bottom: 10pt;">If we have options or rates available on a more favorable basis than those guaranteed at the time a payment option is elected, the more favorable benefits will apply.</div><div style="text-align: justify; margin-bottom: 10pt;">Annuity payments may be less than withdrawal amounts guaranteed under the GMWB rider, and the GMWB rider may not be suitable for Contract Owners who plan to annuitize.</div><div style="text-align: justify; margin-bottom: 10pt; font-variant: small-caps; font-weight: bold;">ELECTION OF OPTIONS</div><div style="text-align: justify; margin-bottom: 10pt;">You may elect, revoke or change an option at any time before the Maturity Date while the Annuitant is living.  If the payee is not the Owner, we must provide our consent for the election of a payment option.  If an election is not in effect at the Annuitant's death or if payment is to be made in one sum under an existing election, the Beneficiary may elect one of the options after the Annuitant’s death.</div><div style="text-align: justify; margin-bottom: 10pt;">An election of a payment option and any revocation or change must be made by Written Notice.  Proceeds of at least $2,000 are required for all payment options.  If Proceeds are insufficient for a payment option, the Proceeds will be paid in a lump sum.  You may not elect an option if any periodic payment under the election would be less than $50.  We may make payments less frequently so that each payment is at least $50.  Subject to this condition, we will make payments annually or monthly at the end of such period.</div><div style="text-align: justify; margin-bottom: 10pt; font-variant: small-caps; font-weight: bold;">DESCRIPTION OF OPTIONS</div><div style="text-align: justify; text-indent: 18pt; margin-bottom: 10pt;"><span style="font-weight: bold; font-style: italic;">Option 1: Interest Payments.</span> We will make guaranteed interest payments to the payee annually or monthly as elected.  We will pay interest on the Proceeds at the guaranteed rate per year.  We may pay additional interest annually.  The Proceeds and any unpaid interest may be withdrawn in full at any time.</div><div style="text-align: justify; text-indent: 18pt; margin-bottom: 10pt;"><span style="font-weight: bold; font-style: italic;">Option 2: Installments of a Specified Amount.</span> We will make annual or monthly payments until the Proceeds plus interest are fully paid.  We will pay interest on the Proceeds at the guaranteed rate per year.  We may pay additional interest.  The present value of any unpaid installments may be withdrawn at any time.<br/> <br/> </div><div style="text-align: justify; text-indent: 18pt; margin-bottom: 10pt;"><span style="font-weight: bold; font-style: italic;">Option 3: Installments for a Specified Period.</span> We will pay the Proceeds in equal annual or monthly payments for a specified number of years.  We will pay interest on the Proceeds at the guaranteed rate per year.  We may also pay additional interest.  The present value of any unpaid installments may be withdrawn at any time.</div><div style="text-align: justify; text-indent: 18pt; margin-bottom: 10pt;"><span style="font-weight: bold; font-style: italic;">Option 4: Life Income</span>. We will pay an income during the payee's lifetime.  A minimum guaranteed payment period may be chosen.  Another form of minimum guaranteed payment period is the installment refund option under which we will make payments until the total income payments received equal the Proceeds applied.  If no minimum guaranteed payment period is chosen, it is possible for an Annuitant who dies after the first payment to receive only one annuity payment.</div><div style="text-align: justify; text-indent: 18pt; margin-bottom: 10pt;"><span style="font-weight: bold; font-style: italic;">Option 5: Joint and Survivor Income</span>. We will pay an income during the lifetime of two persons and will continue to pay an income as long as either person is living.  A minimum guaranteed payment period of ten years may be chosen.</div><div style="text-align: justify; text-indent: 18pt; margin-bottom: 10pt;"><span style="font-weight: bold; font-style: italic;">Choice of Options</span>: You may choose an option by Written Notice during the Annuitant’s lifetime.  If an option for payment of Proceeds is not in effect at the Annuitant’s death, the Beneficiary may make a choice.</div><div style="margin-bottom: 10pt;">If you have a Qualified Contract, not all options will satisfy required minimum distribution requirements, particularly as those rules apply to your designated beneficiary after your death. For deaths occurring on or after January 1, 2020, subject to certain exceptions, most non-spouse beneficiaries must now complete their distributions within ten years of the death in order to satisfy required minimum distribution rules. Consult a tax advisor before electing an annuity income option under a Qualified Contract. If you elect Options 2 or 3 and withdraw the unpaid installments, our obligation under the payment option will end.</div> <div style="text-align: justify; margin-bottom: 6pt; font-style: italic; font-weight: bold;">Death benefits before the Settlement Phase</div><div style="text-align: justify; margin-bottom: 10pt;">If you die while the GMWB rider is in effect but before<span style="font-style: italic;"> </span>the Settlement Phase, the GMWB rider generally will terminate.  This means Kansas City Life will make no more payments under this rider.</div><div style="text-align: justify; margin-bottom: 10pt;">However, if (i) you die while the GMWB rider is in effect but before the Settlement Phase, (ii) the sole Beneficiary is your surviving spouse, and (iii) your surviving spouse does not elect to take the death benefit under the terms of the Contract, the following will apply:</div><table cellpadding="0" id="z4e8fee7998774c639a7893fb3a898743" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000; border-spacing: 0px;"> <tr> <td style="width: 27.93%; vertical-align: middle; background-color: #D9D9D9; border-bottom: #000000 2px solid;"> <div style="text-align: center; font-weight: bold;">If:</div> </td> <td style="width: 72.07%; vertical-align: middle; background-color: #D9D9D9; border-bottom: #000000 2px solid;"> <div style="text-align: center; font-weight: bold;">Then the GMWB rider:</div> </td> </tr> <tr> <td style="width: 27.93%; vertical-align: middle; border-bottom: #000000 2px solid;"> <div>the Covered Person is no longer alive</div> </td> <td style="width: 72.07%; vertical-align: middle; border-bottom: #000000 2px solid;"> <div style="text-align: justify; text-indent: -13.55pt; margin-left: 13.55pt;">•<span class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 13.55pt"> </span>Does not continue with respect to the Lifetime Income Amount, but continues with respect to the Guaranteed Withdrawal Amount if the death benefit or the Guaranteed Withdrawal Balance is greater than zero. We will automatically step-up the Guaranteed Withdrawal Balance to equal the death benefit on the date it is determined, if the death benefit on that date is greater than the Guaranteed Withdrawal Balance.</div> <div style="text-align: justify; text-indent: -13.55pt; margin-left: 13.55pt;">•<span class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 13.55pt"> </span>Enters the Settlement Phase if a withdrawal would reduce the Contract Value to zero, and the Guaranteed Withdrawal Balance is still greater than zero.</div> <div style="text-align: justify; text-indent: -13.55pt; margin-left: 13.55pt;">•<span class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 13.55pt"> </span>Continues to impose the GMWB rider charge.</div> <div style="text-align: justify; text-indent: -13.55pt; margin-left: 13.55pt;">•<span class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 13.55pt"> </span>Continues to be eligible for any remaining bonuses and step-ups. We will permit the spouse to opt out of the initial death benefit step-up, if any, and any future step-ups if we would increase the rate of the GMWB rider charge at that time.</div> </td> </tr> <tr> <td style="width: 27.93%; vertical-align: middle; border-bottom: #000000 2px solid;"> <div>the Covered Person is alive</div> <div>(e.g.  if the Beneficiary is the Covered Person)</div> </td> <td style="width: 72.07%; vertical-align: middle; border-bottom: #000000 2px solid;"> <div style="text-align: justify; text-indent: -13.55pt; margin-left: 13.55pt;">•<span class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 13.55pt"> </span>Continues with respect to the Lifetime Income Amount for the Beneficiary. If the Lifetime Income Amount has not been determined prior to the payment of the death benefit, we will determine the initial Lifetime Income Amount on the first Contract Anniversary after the Covered Person has reached age 65.</div> <div style="text-align: justify; text-indent: -13.55pt; margin-left: 13.55pt;">•<span class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 13.55pt"> </span>Continues with respect to the Guaranteed Withdrawal Amount if the death benefit or the Guaranteed Withdrawal Balance is greater than zero. <span style="font-weight: bold;"> </span>We will automatically step-up the Guaranteed Withdrawal Balance to equal the death benefit on the date it is determined, if the death benefit on that date is greater than the Guaranteed Withdrawal Balance.</div> <div style="text-align: justify; text-indent: -13.55pt; margin-left: 13.55pt;">•<span class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 13.55pt"> </span>Enters the Settlement Phase if a withdrawal would reduce the Contract Value to zero, and either the Lifetime Income Amount or the Guaranteed Withdrawal Balance is still greater than zero.</div> <div style="text-align: justify; text-indent: -13.55pt; margin-left: 13.55pt;">•<span class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 13.55pt"> </span>Continues to impose the GMWB rider charge.</div> <div style="text-align: justify; text-indent: -13.55pt; margin-left: 13.55pt;">•<span class="TRGRRTFtoHTMLTab" style="display: inline-block; text-indent: 0px; font-size: 1px; width: 13.55pt"> </span>Continues to be eligible for any remaining bonuses and step-ups. We will permit the spouse to opt out of the initial death benefit step-up, if any, and any future step-ups if we would increase the rate of the GMWB rider charge at that time.</div> </td> </tr> </table><div style="text-align: justify; margin-bottom: 10pt;">Note that under Qualified Contracts other than IRAs, spousal continuation will not satisfy Required Minimum Distributions.  Consult a tax adviser.</div><div style="text-align: justify; margin-bottom: 10pt; font-style: italic; font-weight: bold;">Death benefit during the Settlement Phase</div><div style="text-align: justify; margin-bottom: 10pt;">If the Covered Person dies during the Settlement Phase, no death benefit under the Contract will be payable.  The only death benefit we provide are the remaining settlement payments that may become due under the GMWB rider.  Those payments will be made at least as rapidly as they were being paid before the death of the Covered Person. Additional restrictions may apply to Qualified Contracts in order to satisfy Required Minimum Distributions.</div><div style="text-align: justify; margin-bottom: 10pt; font-weight: bold;">TERMINATION</div><div style="text-align: justify; margin-bottom: 6pt;">Although the GMWB rider provides that you may not terminate the rider for five years from the Rider Effective Date, we are currently waiving this provision.  Therefore, you may currently terminate your GMWB rider at any time.</div><div style="text-align: justify; margin-bottom: 10pt;">In addition, there are circumstances under which your GMWB rider will terminate automatically.  The GMWB rider will terminate upon the earliest of:</div><table cellpadding="0" class="DSPFListTable" id="z72f1343c477248e7ac6672bdf45198cb" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000; border-spacing: 0px;"> <tr> <td style="width: 18pt; vertical-align: top;">•</td> <td style="width: auto; vertical-align: top; text-align: justify;"> <div style="font-weight: bold;">the date the Contract terminates for any reason; or</div> </td> </tr> </table><table cellpadding="0" class="DSPFListTable" id="zac0b82d4ccd94306b06b31536c546a2b" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000; border-spacing: 0px;"> <tr> <td style="width: 18pt; vertical-align: top;">•</td> <td style="width: auto; vertical-align: top; text-align: justify;"> <div style="font-weight: bold;">the date this rider is cancelled by you; or</div> </td> </tr> </table><table cellpadding="0" class="DSPFListTable" id="z282886899eb744fcb574619799484df1" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000; border-spacing: 0px;"> <tr> <td style="width: 18pt; vertical-align: top;">•</td> <td style="width: auto; vertical-align: top; text-align: justify;"> <div>the date a death benefit is payable upon the death of any Owner, unless the surviving spouse is the sole Beneficiary; or</div> </td> </tr> </table><table cellpadding="0" class="DSPFListTable" id="z28f171e3a097405ca5a36a023b84715d" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000; border-spacing: 0px;"> <tr> <td style="width: 18pt; vertical-align: top;">•</td> <td style="width: auto; vertical-align: top; text-align: justify;"> <div>the date a death benefit is payable upon the death of the Owner and the Beneficiary takes the death benefit under the terms of the Contract; or</div> </td> </tr> </table><table cellpadding="0" class="DSPFListTable" id="z3cae6eafdf624c81bdd2bfa41ed76fad" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000; border-spacing: 0px;"> <tr> <td style="width: 18pt; vertical-align: top;">•</td> <td style="width: auto; vertical-align: top; text-align: justify;"> <div>the date a death benefit is payable upon the death of the Annuitant who is not the Owner; or</div> </td> </tr> </table><table cellpadding="0" class="DSPFListTable" id="z13aeeae1101e4f2aa6f429a847766199" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000; border-spacing: 0px;"> <tr> <td style="width: 18pt; vertical-align: top;">•</td> <td style="width: auto; vertical-align: top; text-align: justify;"> <div>the date an annuity option under the Contract begins; or</div> </td> </tr> </table><table cellpadding="0" class="DSPFListTable" id="z251dae6b81ed4de78201565b2e56f3b4" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000; border-spacing: 0px;"> <tr> <td style="width: 18pt; vertical-align: top;">•</td> <td style="width: auto; vertical-align: top; text-align: justify;"> <div>the date the Contract Value, the Guaranteed Withdrawal Balance, and the Lifetime Income Amount all equal zero; or</div> </td> </tr> </table><table cellpadding="0" class="DSPFListTable" id="ze3570477d1f14f64ac3b3e499c1be3e8" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; text-align: left; color: #000000; margin-bottom: 10pt; border-spacing: 0px;"> <tr> <td style="width: 18pt; vertical-align: top;">•</td> <td style="width: auto; vertical-align: top; text-align: justify;"> <div>the date you change your allocation instructions or transfer Contract Value to an investment option other than to an Investment Strategy option.</div> </td> </tr> </table><div style="text-align: justify; margin-bottom: 10pt;">Upon termination of the GMWB rider, your Guaranteed Withdrawal Balance will decline to zero, and we will not refund any GMWB rider charge that you previously paid. (See “<a href="#GMWBRIDERCHARGE">GMWB RIDER CHARGE</a>”) Before cancelling the GMWB rider or taking any other action that would cause the rider to terminate, such as allocating Contract Value to an investment option other than an Investment Strategy option, you should carefully consider your current and future need for the benefits provided by the rider.</div> <div style="text-align: justify; text-indent: 18pt; margin-bottom: 10pt;"><span style="font-weight: bold; font-style: italic;">Option 1: Interest Payments.</span> We will make guaranteed interest payments to the payee annually or monthly as elected.  We will pay interest on the Proceeds at the guaranteed rate per year.  We may pay additional interest annually.  The Proceeds and any unpaid interest may be withdrawn in full at any time.</div><div style="text-align: justify; text-indent: 18pt; margin-bottom: 10pt;"><span style="font-weight: bold; font-style: italic;">Option 2: Installments of a Specified Amount.</span> We will make annual or monthly payments until the Proceeds plus interest are fully paid.  We will pay interest on the Proceeds at the guaranteed rate per year.  We may pay additional interest.  The present value of any unpaid installments may be withdrawn at any time.<br/> <br/> </div><div style="text-align: justify; text-indent: 18pt; margin-bottom: 10pt;"><span style="font-weight: bold; font-style: italic;">Option 3: Installments for a Specified Period.</span> We will pay the Proceeds in equal annual or monthly payments for a specified number of years.  We will pay interest on the Proceeds at the guaranteed rate per year.  We may also pay additional interest.  The present value of any unpaid installments may be withdrawn at any time.</div><div style="text-align: justify; text-indent: 18pt; margin-bottom: 10pt;"><span style="font-weight: bold; font-style: italic;">Option 4: Life Income</span>. We will pay an income during the payee's lifetime.  A minimum guaranteed payment period may be chosen.  Another form of minimum guaranteed payment period is the installment refund option under which we will make payments until the total income payments received equal the Proceeds applied.  If no minimum guaranteed payment period is chosen, it is possible for an Annuitant who dies after the first payment to receive only one annuity payment.</div><div style="text-align: justify; text-indent: 18pt; margin-bottom: 10pt;"><span style="font-weight: bold; font-style: italic;">Option 5: Joint and Survivor Income</span>. We will pay an income during the lifetime of two persons and will continue to pay an income as long as either person is living.  A minimum guaranteed payment period of ten years may be chosen.</div><div style="text-align: justify; text-indent: 18pt; margin-bottom: 10pt;"><span style="font-weight: bold; font-style: italic;">Choice of Options</span>: You may choose an option by Written Notice during the Annuitant’s lifetime.  If an option for payment of Proceeds is not in effect at the Annuitant’s death, the Beneficiary may make a choice.</div><div style="margin-bottom: 10pt;">If you have a Qualified Contract, not all options will satisfy required minimum distribution requirements, particularly as those rules apply to your designated beneficiary after your death. For deaths occurring on or after January 1, 2020, subject to certain exceptions, most non-spouse beneficiaries must now complete their distributions within ten years of the death in order to satisfy required minimum distribution rules. Consult a tax advisor before electing an annuity income option under a Qualified Contract. If you elect Options 2 or 3 and withdraw the unpaid installments, our obligation under the payment option will end.</div> <div style="margin-bottom: 10pt; font-size: 12pt; font-variant: small-caps; font-weight: bold;"> <div style="margin-bottom: 10pt; font-variant: small-caps; font-weight: bold;">APPENDIX A – INVESTMENT OPTIONS AVAILABLE UNDER THE CONTRACT</div> <div style="text-align: justify; margin-bottom: 8pt; font-variant: normal; font-weight: normal;">The following is a list of Portfolio Companies available under the Contract.  Depending on the optional benefits you choose, you may not be able to invest in certain Portfolio Companies, as noted below.  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 https://www.kclife.com/prospectus/default.htm.  You can also request this information at no cost by calling us at (800)-616-3670 or by sending an email request to statecompliance@kclife.com.</div> <span style="font-variant: normal; font-weight: normal;"> </span> <div style="text-align: justify; font-variant: normal; font-weight: normal;">The current expenses and performance information below reflects the fees and expenses of the Portfolio Companies but do not reflect the other fees and charges that the Contract 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.</div> <div style="text-align: justify; font-variant: normal; font-weight: normal;"> </div></div><table style="font-size: 10pt; border-spacing: 0px; border-collapse: collapse; margin-left: -0.25pt; width: 96%;"> <tr style="vertical-align: top; height: 4.7pt;"> <td rowspan="3" style="padding: 0px 5.4pt; width: 149.65pt; border-width: 1pt; border-style: solid; border-color: black; background-color: rgb(217, 217, 217); vertical-align: middle;"> <div style="margin-bottom: 2pt; margin-top: 2pt; text-align: center;"> <span style="font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; font-weight: bold;">Investment Objective</span> </div> </td> <td rowspan="3" style="padding: 0px 5.4pt; width: 178.85pt; border-width: 1pt; border-style: solid; border-color: black; background-color: rgb(217, 217, 217); vertical-align: middle;"> <div style="margin-bottom: 2pt; margin-top: 2pt; text-align: center;"> <span style="font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; font-weight: bold;">Portfolio Company and Adviser/Subadvisor</span> </div> </td> <td rowspan="3" style="padding: 0px 5.4pt; width: 63pt; border-width: 1pt; border-style: solid; border-color: black; background-color: rgb(217, 217, 217); vertical-align: middle;"> <div style="margin-bottom: 2pt; margin-top: 2pt; text-align: center;"> <span style="font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; font-weight: bold;">Current Expenses</span> </div> </td> <td colspan="3" style="padding: 0px 5.4pt; border-top: 1pt solid black; border-left: 1pt solid black; border-right: 1pt solid black; background-color: rgb(217, 217, 217); vertical-align: middle;"> <div style="margin-bottom: 2pt; margin-top: 2pt; text-align: center;"> <span style="font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; font-weight: bold;">Average Annual Total Returns</span> </div> </td> </tr> <tr style="vertical-align: top; height: 4.7pt;"> <td colspan="3" style="padding: 0; border-bottom: 1pt solid black; border-left: 1pt solid black; border-right: 1pt solid black; padding-left: 5.4pt; padding-right: 5.4pt; background-color: #D9D9D9; vertical-align: middle;"> <div style="margin-bottom: 2pt; margin-top: 2pt; text-align: center;"> <span style="font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; font-weight: bold;">(as of 12/31/2025)</span> </div> </td> </tr> <tr style="vertical-align: top; height: 4.7pt;"> <td style="padding: 0; width: 49.5pt; border-top: 1pt solid black; border-bottom: 1pt solid black; border-left: 1pt solid black; border-right: 1pt solid black; padding-left: 5.4pt; padding-right: 5.4pt; background-color: #D9D9D9; vertical-align: middle;"> <div style="margin-bottom: 2pt; margin-top: 2pt; text-align: center;"> <span style="font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; font-weight: bold;">1 year</span> </div> </td> <td style="padding: 0; width: 49.5pt; border-top: 1pt solid black; border-bottom: 1pt solid black; border-left: 1pt solid black; border-right: 1pt solid black; padding-left: 5.4pt; padding-right: 5.4pt; background-color: #D9D9D9; vertical-align: middle;"> <div style="margin-bottom: 2pt; margin-top: 2pt; text-align: center;"> <span style="font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; font-weight: bold;">5 year</span> </div> </td> <td style="padding: 0; width: 49.5pt; border-top: 1pt solid black; border-bottom: 1pt solid black; border-left: 1pt solid black; border-right: 1pt solid black; padding-left: 5.4pt; padding-right: 5.4pt; background-color: #D9D9D9; vertical-align: middle;"> <div style="margin-bottom: 2pt; margin-top: 2pt; text-align: center;"> <span style="font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; font-weight: bold;">10 year</span> </div> </td> </tr> </table><table style="font-size: 10pt; border-spacing: 0px; border-collapse: collapse; margin-left: -0.25pt; width: 96%;"> <tr style="vertical-align: top;"> <td style="padding: 0; width: 149.65pt; border-top: 1pt solid black; border-bottom: 1pt solid black; border-left: 1pt solid black; border-right: 1pt solid black; padding-left: 5.4pt; padding-right: 5.4pt;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> Capital growth </div> </td> <td style="padding: 0; width: 178.85pt; border-top: 1pt solid black; border-bottom: 1pt solid black; border-left: 1pt solid black; border-right: 1pt solid black; padding-left: 5.4pt; padding-right: 5.4pt;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> AIM Variable Insurance Funds Invesco V.I. American Franchise Fund – Series I Shares (Adviser: Invesco Advisers, Inc.). </div> </td> <td style="padding: 0; width: 63pt; border-top: 1pt solid black; border-bottom: 1pt solid black; border-left: 1pt solid black; border-right: 1pt solid black; padding-left: 5.4pt; padding-right: 5.4pt; vertical-align: middle;"> <div style="margin-bottom: 4pt; margin-top: 4pt; text-align: center;"> 0.85% </div> </td> <td style="padding: 0; width: 49.5pt; border-top: 1pt solid black; border-bottom: 1pt solid black; border-left: 1pt solid black; border-right: 1pt solid black; padding-left: 5.4pt; padding-right: 5.4pt; vertical-align: middle;"> <div style="margin-bottom: 4pt; margin-top: 4pt; text-align: center;"> 11.67% </div> </td> <td style="padding: 0; width: 49.5pt; border-top: 1pt solid black; border-bottom: 1pt solid black; border-left: 1pt solid black; border-right: 1pt solid black; padding-left: 5.4pt; padding-right: 5.4pt; vertical-align: middle;"> <div style="margin-bottom: 4pt; margin-top: 4pt; text-align: center;"> 10.35% </div> </td> <td style="padding: 0; width: 49.5pt; border-top: 1pt solid black; border-bottom: 1pt solid black; border-left: 1pt solid black; border-right: 1pt solid black; padding-left: 5.4pt; padding-right: 5.4pt; vertical-align: middle;"> <div style="margin-bottom: 4pt; margin-top: 4pt; text-align: center;"> 14.87% </div> </td> </tr> <tr style="vertical-align: top;"> <td style="padding: 0; width: 149.65pt; border-top: 1pt solid black; border-bottom: 1pt solid black; border-left: 1pt solid black; border-right: 1pt solid black; padding-left: 5.4pt; padding-right: 5.4pt;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> Long-term growth of capital </div> </td> <td style="padding: 0; width: 178.85pt; border-top: 1pt solid black; border-bottom: 1pt solid black; border-left: 1pt solid black; border-right: 1pt solid black; padding-left: 5.4pt; padding-right: 5.4pt;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> AIM Variable Insurance Funds Invesco V.I. Core Equity Fund – Series I Shares (Adviser: Invesco Advisers, Inc.). </div> </td> <td style="padding: 0; width: 63pt; border-top: 1pt solid black; border-bottom: 1pt solid black; border-left: 1pt solid black; border-right: 1pt solid black; padding-left: 5.4pt; padding-right: 5.4pt; vertical-align: middle;"> <div style="margin-bottom: 4pt; margin-top: 4pt; text-align: center;"> 0.80% </div> </td> <td style="padding: 0; width: 49.5pt; border-top: 1pt solid black; border-bottom: 1pt solid black; border-left: 1pt solid black; border-right: 1pt solid black; padding-left: 5.4pt; padding-right: 5.4pt; vertical-align: middle;"> <div style="margin-bottom: 4pt; margin-top: 4pt; text-align: center;"> 16.17% </div> </td> <td style="padding: 0; width: 49.5pt; border-top: 1pt solid black; border-bottom: 1pt solid black; border-left: 1pt solid black; border-right: 1pt solid black; padding-left: 5.4pt; padding-right: 5.4pt; vertical-align: middle;"> <div style="margin-bottom: 4pt; margin-top: 4pt; text-align: center;"> 12.81% </div> </td> <td style="padding: 0; width: 49.5pt; border-top: 1pt solid black; border-bottom: 1pt solid black; border-left: 1pt solid black; border-right: 1pt solid black; padding-left: 5.4pt; padding-right: 5.4pt; vertical-align: middle;"> <div style="margin-bottom: 4pt; margin-top: 4pt; text-align: center;"> 11.73% </div> </td> </tr> <tr style="vertical-align: top;"> <td style="padding: 0; width: 149.65pt; border-top: 1pt solid black; border-bottom: 1pt solid black; border-left: 1pt solid black; border-right: 1pt solid black; padding-left: 5.4pt; padding-right: 5.4pt;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> Long-term growth of capital by investing in health care companies </div> </td> <td style="padding: 0; width: 178.85pt; border-top: 1pt solid black; border-bottom: 1pt solid black; border-left: 1pt solid black; border-right: 1pt solid black; padding-left: 5.4pt; padding-right: 5.4pt;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> AIM Variable Insurance Funds Invesco V.I. Health Care Fund - Series I Shares (Adviser: Invesco Advisers, Inc.) </div> </td> <td style="padding: 0; width: 63pt; border-top: 1pt solid black; border-bottom: 1pt solid black; border-left: 1pt solid black; border-right: 1pt solid black; padding-left: 5.4pt; padding-right: 5.4pt; vertical-align: middle;"> <div style="margin-bottom: 4pt; margin-top: 4pt; text-align: center;"> 0.98% </div> </td> <td style="padding: 0; width: 49.5pt; border-top: 1pt solid black; border-bottom: 1pt solid black; border-left: 1pt solid black; border-right: 1pt solid black; padding-left: 5.4pt; padding-right: 5.4pt; vertical-align: middle;"> <div style="margin-bottom: 4pt; margin-top: 4pt; text-align: center;"> 15.33% </div> </td> <td style="padding: 0; width: 49.5pt; border-top: 1pt solid black; border-bottom: 1pt solid black; border-left: 1pt solid black; border-right: 1pt solid black; padding-left: 5.4pt; padding-right: 5.4pt; vertical-align: middle;"> <div style="margin-bottom: 4pt; margin-top: 4pt; text-align: center;"> 3.80% </div> </td> <td style="padding: 0; width: 49.5pt; border-top: 1pt solid black; border-bottom: 1pt solid black; border-left: 1pt solid black; border-right: 1pt solid black; padding-left: 5.4pt; padding-right: 5.4pt; vertical-align: middle;"> <div style="margin-bottom: 4pt; margin-top: 4pt; text-align: center;"> 6.58% </div> </td> </tr> <tr style="vertical-align: top;"> <td style="padding: 0; width: 149.65pt; border-top: 1pt solid black; border-bottom: 1pt solid black; border-left: 1pt solid black; border-right: 1pt solid black; padding-left: 5.4pt; padding-right: 5.4pt;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> The Fund seeks, over a specified annual outcome period, to provide investors with returns that match those of the S&amp;P 500^® Index (the “Index”) up to an upside cap (maximum percentage return), while providing a buffer against the first 10% of Index losses (prior to taking into account any fees and expenses of the Fund)ⁱⁱ </div> </td> <td style="padding: 0; width: 178.85pt; border-top: 1pt solid black; border-bottom: 1pt solid black; border-left: 1pt solid black; border-right: 1pt solid black; padding-left: 5.4pt; padding-right: 5.4pt;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> AIM Variable Insurance Funds Invesco V.I. S&amp;P 500 Buffer Fund - December - Series I Shares (Adviser: Invesco Advisers, Inc.) </div> </td> <td style="padding: 0; width: 63pt; border-top: 1pt solid black; border-bottom: 1pt solid black; border-left: 1pt solid black; border-right: 1pt solid black; padding-left: 5.4pt; padding-right: 5.4pt; vertical-align: middle;"> <div style="margin-bottom: 4pt; margin-top: 4pt; text-align: center;"> 0.70%<sup style="font-size: 4.5pt;">i</sup> </div> </td> <td style="padding: 0; width: 49.5pt; border-top: 1pt solid black; border-bottom: 1pt solid black; border-left: 1pt solid black; border-right: 1pt solid black; padding-left: 5.4pt; padding-right: 5.4pt; vertical-align: middle;"> <div style="margin-bottom: 4pt; margin-top: 4pt; text-align: center;"> 13.81% </div> </td> <td style="padding: 0; width: 49.5pt; border-top: 1pt solid black; border-bottom: 1pt solid black; border-left: 1pt solid black; border-right: 1pt solid black; padding-left: 5.4pt; padding-right: 5.4pt; vertical-align: middle;"> <div style="margin-bottom: 4pt; margin-top: 4pt; text-align: center;"> <span style="-sec-ix-hidden: hidden-fact-0">-</span> </div> </td> <td style="padding: 0; width: 49.5pt; border-top: 1pt solid black; border-bottom: 1pt solid black; border-left: 1pt solid black; border-right: 1pt solid black; padding-left: 5.4pt; padding-right: 5.4pt; vertical-align: middle;"> <div style="margin-bottom: 4pt; margin-top: 4pt; text-align: center;"> <span style="-sec-ix-hidden: hidden-fact-1">-</span> </div> </td> </tr> <tr style="vertical-align: top;"> <td style="padding: 0; width: 149.65pt; border-top: 1pt solid black; border-bottom: 1pt solid black; border-left: 1pt solid black; border-right: 1pt solid black; padding-left: 5.4pt; padding-right: 5.4pt;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> The Fund seeks, over a specified annual outcome period, to provide investors with returns that match those of the S&amp;P 500^® Index (the “Index”) up to an upside cap (maximum percentage return), while providing a buffer against the first 10% of Index losses (prior to taking into account any fees and expenses of the Fund)ⁱⁱ </div> </td> <td style="padding: 0; width: 178.85pt; border-top: 1pt solid black; border-bottom: 1pt solid black; border-left: 1pt solid black; border-right: 1pt solid black; padding-left: 5.4pt; padding-right: 5.4pt;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> AIM Variable Insurance Funds Invesco V.I. S&amp;P 500 Buffer Fund - June - Series I Shares (Adviser: Invesco Advisers, Inc.) </div> </td> <td style="padding: 0; width: 63pt; border-top: 1pt solid black; border-bottom: 1pt solid black; border-left: 1pt solid black; border-right: 1pt solid black; padding-left: 5.4pt; padding-right: 5.4pt; vertical-align: middle;"> <div style="margin-bottom: 4pt; margin-top: 4pt; text-align: center;"> 0.70%<sup style="font-size: 4.5pt;">i</sup> </div> </td> <td style="padding: 0; width: 49.5pt; border-top: 1pt solid black; border-bottom: 1pt solid black; border-left: 1pt solid black; border-right: 1pt solid black; padding-left: 5.4pt; padding-right: 5.4pt; vertical-align: middle;"> <div style="margin-bottom: 4pt; margin-top: 4pt; text-align: center;"> 13.65% </div> </td> <td style="padding: 0; width: 49.5pt; border-top: 1pt solid black; border-bottom: 1pt solid black; border-left: 1pt solid black; border-right: 1pt solid black; padding-left: 5.4pt; padding-right: 5.4pt; vertical-align: middle;"> <div style="margin-bottom: 4pt; margin-top: 4pt; text-align: center;"> <span style="-sec-ix-hidden: hidden-fact-2">-</span> </div> </td> <td style="padding: 0; width: 49.5pt; border-top: 1pt solid black; border-bottom: 1pt solid black; border-left: 1pt solid black; border-right: 1pt solid black; padding-left: 5.4pt; padding-right: 5.4pt; vertical-align: middle;"> <div style="margin-bottom: 4pt; margin-top: 4pt; text-align: center;"> <span style="-sec-ix-hidden: hidden-fact-3">-</span> </div> </td> </tr> <tr style="vertical-align: top;"> <td style="padding: 0; width: 149.65pt; border-top: 1pt solid black; border-bottom: 1pt solid black; border-left: 1pt solid black; border-right: 1pt solid black; padding-left: 5.4pt; padding-right: 5.4pt;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> The Fund seeks, over a specified annual outcome period, to provide investors with returns that match those of the S&amp;P 500^® Index (the “Index”) up to an upside cap (maximum percentage return), while providing a buffer against the first 10% of Index losses (prior to taking into account any fees and expenses of the Fund)ⁱⁱ </div> </td> <td style="padding: 0; width: 178.85pt; border-top: 1pt solid black; border-bottom: 1pt solid black; border-left: 1pt solid black; border-right: 1pt solid black; padding-left: 5.4pt; padding-right: 5.4pt;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> AIM Variable Insurance Funds Invesco V.I. S&amp;P 500 Buffer Fund - March - Series I Shares (Adviser: Invesco Advisers, Inc.) </div> </td> <td style="padding: 0; width: 63pt; border-top: 1pt solid black; border-bottom: 1pt solid black; border-left: 1pt solid black; border-right: 1pt solid black; padding-left: 5.4pt; padding-right: 5.4pt; vertical-align: middle;"> <div style="margin-bottom: 4pt; margin-top: 4pt; text-align: center;"> 0.70%<sup style="font-size: 4.5pt;">i</sup> </div> </td> <td style="padding: 0; width: 49.5pt; border-top: 1pt solid black; border-bottom: 1pt solid black; border-left: 1pt solid black; border-right: 1pt solid black; padding-left: 5.4pt; padding-right: 5.4pt; vertical-align: middle;"> <div style="margin-bottom: 4pt; margin-top: 4pt; text-align: center;"> 7.64% </div> </td> <td style="padding: 0; width: 49.5pt; border-top: 1pt solid black; border-bottom: 1pt solid black; border-left: 1pt solid black; border-right: 1pt solid black; padding-left: 5.4pt; padding-right: 5.4pt; vertical-align: middle;"> <div style="margin-bottom: 4pt; margin-top: 4pt; text-align: center;"> <span style="-sec-ix-hidden: hidden-fact-4">-</span> </div> </td> <td style="padding: 0; width: 49.5pt; border-top: 1pt solid black; border-bottom: 1pt solid black; border-left: 1pt solid black; border-right: 1pt solid black; padding-left: 5.4pt; padding-right: 5.4pt; vertical-align: middle;"> <div style="margin-bottom: 4pt; margin-top: 4pt; text-align: center;"> <span style="-sec-ix-hidden: hidden-fact-5">-</span> </div> </td> </tr> </table><table style="font-size: 10pt; border-spacing: 0px; border-collapse: collapse; margin-left: -0.25pt; width: 96%;"> <tr style="vertical-align: top;"> <td style="padding: 0px 5.4pt 0px 5px; width: 148pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> The Fund seeks, over a specified annual outcome period, to provide investors with returns that match those of the S&amp;P 500<span style="letter-spacing: normal; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; float: none; display: inline !important;">^®</span> Index (the “Index”) up to an upside cap (maximum percentage return), while providing a buffer against the first 10% of Index losses (prior to taking into account any fees and expenses of the Fund) <span style="font-size: .83em; vertical-align: super;">ii</span></div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 175pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> AIM Variable Insurance Funds Invesco V.I. S&amp;P 500 Buffer Fund - September - Series I Shares (Adviser: Invesco Advisers, Inc.) </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 63pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 0.70% <span style="font-size: .83em; vertical-align: super;">i</span></div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 12.78% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> <span style="-sec-ix-hidden: hidden-fact-6">-</span> </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> <span style="-sec-ix-hidden: hidden-fact-7">-</span> </div> </td> </tr> <tr style="vertical-align: top;"> <td style="padding: 0px 5.4pt 0px 5px; width: 148pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> Long-term growth of capital </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 175pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> AIM Variable Insurance Funds Invesco V.I. Technology Fund – Series I Shares (Adviser: Invesco Advisers, Inc.). </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 63pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 0.96% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 20.47% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 10.30% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 15.78% </div> </td> </tr> <tr style="vertical-align: top;"> <td style="padding: 0px 5.4pt 0px 5px; width: 148pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> Provide high total return (including income and capital gains) consistent with preservation of capital over the long term </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 175pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> American Funds Insurance Series<span style="font-size: medium; letter-spacing: normal; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; float: none; display: inline !important;">^®</span> Asset Allocation Fund – Class 2 Shares (Adviser: Capital Research and Management Company^SM). </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 63pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 0.54% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 15.85% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 8.97% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 9.77% </div> </td> </tr> <tr style="vertical-align: top;"> <td style="padding: 0px 5.4pt 0px 5px; width: 148pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> Provide a level of current income that exceeds the average yield on U.S. stocks generally and provide a growing stream of income over the years. Providing growth of capital is a secondary objective </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 175pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> American Funds Insurance Series<span style="font-size: medium; letter-spacing: normal; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; float: none; display: inline !important;">^®</span> Capital Income Builder<span style="font-size: medium; letter-spacing: normal; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; float: none; display: inline !important;">^®</span> – Class 2 Shares (Adviser: Capital Research and Management Company^SM). </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 63pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 0.52% <span style="font-size: .83em; vertical-align: super;">i</span></div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 20.41% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 9.08% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 7.59% </div> </td> </tr> <tr style="vertical-align: top;"> <td style="padding: 0px 5.4pt 0px 5px; width: 148pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> Provide, over the long term, a high level of total return consistent with prudent investment management. Total return comprises the income generated by the fund and the changes in the market value of the fund’s investments. </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 175pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> American Funds Insurance Series<span style="font-size: medium; letter-spacing: normal; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; float: none; display: inline !important;">^®</span> Capital World Bond Fund<span style="font-size: medium; letter-spacing: normal; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; float: none; display: inline !important;">^®</span> – Class 2 Shares (Adviser: Capital Research and Management Company^SM). </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 63pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 0.73% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 9.39% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> -2.50% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 1.23% </div> </td> </tr> <tr style="vertical-align: top;"> <td style="padding: 0px 5.4pt 0px 5px; width: 148pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> Long-term growth of capital </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 175pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> American Funds Insurance Series<span style="font-size: medium; letter-spacing: normal; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; float: none; display: inline !important;">^®</span> Global Growth Fund – Class 2 Shares (Adviser: Capital Research and Management Company^SM). </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 63pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 0.65% <span style="font-size: .83em; vertical-align: super;">i</span></div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 21.62% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 8.23% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 12.17% </div> </td> </tr> <tr style="vertical-align: top;"> <td style="padding: 0px 5.4pt 0px 5px; width: 148pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> Achieve long-term growth of capital and income </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 175pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> American Funds Insurance Series<span style="font-size: medium; letter-spacing: normal; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; float: none; display: inline !important;">^®</span> Growth-Income Fund – Class 2 Shares (Adviser: Capital Research and Management Company^SM). </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 63pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 0.53% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 18.06% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 13.90% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 13.92% </div> </td> </tr> <tr style="vertical-align: top;"> <td style="padding: 0px 5.4pt 0px 5px; width: 148pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> Long-term capital appreciation </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 175pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> American Funds Insurance Series<span style="font-size: medium; letter-spacing: normal; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; float: none; display: inline !important;">^®</span> New World Fund<span style="font-size: medium; letter-spacing: normal; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; float: none; display: inline !important;">^®</span> – Class 2 Shares (Adviser: Capital Research and Management Company^SM). </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 63pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 0.82% <span style="font-size: .83em; vertical-align: super;">i</span></div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 28.29% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 5.33% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 9.25% </div> </td> </tr> </table><table style="font-size: 10pt; border-spacing: 0px; border-collapse: collapse; margin-left: -0.25pt; width: 96%;"> <tr style="vertical-align: top;"> <td style="padding: 0px 5.4pt 0px 5px; width: 148pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> Provide high total return (including income and capital gains) consistent with preservation of capital over the long term while seeking to manage volatility and provide downside protection </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 175pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> American Funds Insurance Series<span style="font-size: medium; letter-spacing: normal; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; float: none; display: inline !important;">^®</span> Managed Risk Funds, Managed Risk Asset Allocation Fund – Class P2 Shares (Adviser: Capital Research and Management Company; Subadvisor: Milliman Financial Risk Management LLC). </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 63pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 0.90% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 11.67% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 6.43% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 7.17% </div> </td> </tr> <tr style="vertical-align: top;"> <td style="padding: 0px 5.4pt 0px 5px; width: 148pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> Produce income and to provide an opportunity for growth of principal consistent with sound common stock investing, while seeking to manage volatility and provide downside protection </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 175pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> American Funds Insurance Series<span style="font-size: medium; letter-spacing: normal; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; float: none; display: inline !important;">^®</span> Managed Risk Funds, Managed Risk Washington Mutual Investors Fund^SM – Class P2 Shares (Adviser: Capital Research and Management Company; Subadvisor: Milliman Financial Risk Management LLC). </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 63pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 0.88% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 10.65% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 8.04% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 7.18% </div> </td> </tr> <tr style="vertical-align: top;"> <td style="padding: 0px 5.4pt 0px 5px; width: 148pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> Growth of capital while seeking to manage volatility and provide downside protection </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 175pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;">American Funds Insurance Series<span style="font-size: medium; letter-spacing: normal; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; float: none; display: inline !important;">^®</span> Managed Risk Funds, Managed Risk Growth Fund – Class P2 Shares (Adviser: Capital Research and Management Company^SM; Subadvisor: Milliman Financial Risk Management LLC). </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 63pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 0.93% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 13.41% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 7.96% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 11.74% </div> </td> </tr> <tr style="vertical-align: top;"> <td style="padding: 0px 5.4pt 0px 5px; width: 148pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> Achieve long-term growth of capital and income while seeking to manage volatility and provide downside protection </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 175pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;">American Funds Insurance Series<span style="font-size: medium; letter-spacing: normal; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; float: none; display: inline !important;">^®</span> Managed Risk Funds, Managed Risk Growth-Income Fund – Class P2 Shares (Adviser: Capital Research and Management Company^SM; Subadvisor: Milliman Financial Risk Management LLC). </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 63pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 0.88% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 11.17% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 7.70% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 8.98% </div> </td> </tr> <tr style="vertical-align: top;"> <td style="padding: 0px 5.4pt 0px 5px; width: 148pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> Provide long-term growth of capital while seeking to manage volatility and provide downside protection </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 175pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> American Funds Insurance Series<span style="font-size: medium; letter-spacing: normal; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; float: none; display: inline !important;">^®</span> Managed Risk Funds, Managed Risk EUPAC Fund – Class P2 Shares (Formerly American Funds Insurance Series<span style="font-size: medium; letter-spacing: normal; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; float: none; display: inline !important;">^®</span> Managed Risk Funds, Managed Risk International Fund – Class P2 Shares) (Adviser: Capital Research and Management Company^SM; Subadvisor: Milliman Financial Risk Management LLC). </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 63pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 1.06% <span style="font-size: .83em; vertical-align: super;">i</span></div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 15.09% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> -0.29% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 2.90% </div> </td> </tr> <tr style="vertical-align: top;"> <td style="padding: 0px 5.4pt 0px 5px; width: 148pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> The fund seeks long-term capital growth consistent with the preservation of capital.  Its secondary goal is current income. </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 175pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> BNY Mellon Variable Investment Fund Appreciation Portfolio – Initial Shares (Adviser: BNY Mellon Investment Adviser, Inc.; Sub-Investment Advisor: Fayez Sarofim Co., LLC (Sarofim &amp; Co.)). </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 63pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 0.85% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 10.07% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 9.37% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 12.92% </div> </td> </tr> </table><table style="font-size: 10pt; border-spacing: 0px; border-collapse: collapse; margin-left: -0.25pt; width: 96%;"> <tr style="vertical-align: top;"> <td style="padding: 0px 5.4pt 0px 5px; width: 148pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> The fund seeks capital growth. </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 175pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> BNY Mellon Variable Investment Fund Small Cap Portfolio – Initial Shares (Formerly BNY Mellon Variable Investment Fund Opportunistic Small Cap Portfolio – Initial Shares) (Adviser: BNY Mellon Investment Adviser, Inc.; Sub-Investment Advisor: Newton Investment Management North America, LLC) </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 63pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 0.83% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 10.99% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 4.26% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 7.83% </div> </td> </tr> <tr style="vertical-align: top;"> <td style="padding: 0px 5.4pt 0px 5px; width: 148pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> The fund seeks to match the total return of the S&amp;P 500® Index. </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 175pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> BNY Mellon Stock Index Fund, Inc. – Initial Shares (Adviser: BNY Mellon Investment Adviser, Inc.; Sub-Investment Advisor: Mellon Investments Corporation) </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 63pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 0.27% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 17.53% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 14.11% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 14.52% </div> </td> </tr> <tr style="vertical-align: top;"> <td style="padding: 0px 5.4pt 0px 5px; width: 148pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> The fund seeks long-term capital appreciation. </div> <div style="margin-bottom: 4pt; margin-top: 4pt;">  </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 175pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> BNY Mellon Sustainable U.S. Equity Portfolio, Inc. – Initial Shares (Adviser: BNY Mellon Investment Adviser, Inc.; Sub-Investment Advisor: Newton Investment Management Limited). </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 63pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 0.66% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 15.97% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 11.93% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 13.56% </div> </td> </tr> <tr style="vertical-align: top;"> <td style="padding: 0px 5.4pt 0px 5px; width: 148pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> High long-term total return through growth and current income </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 175pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> Calamos<span style="font-size: medium; letter-spacing: normal; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; float: none; display: inline !important;">^®</span> Advisors Trust, Calamos Growth and Income Portfolio (Adviser: Calamos Advisors LLC). </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 63pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 1.27% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 17.40% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 10.90% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 11.72% </div> </td> </tr> <tr style="vertical-align: top;"> <td style="padding: 0px 5.4pt 0px 5px; width: 148pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> Growth of capital </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 175pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> Columbia Funds Variable Series Trust II, Columbia Variable Portfolio – Select Mid Cap Growth Fund (Class 2) (Adviser: Columbia Management Investment Advisers, LLC.). </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 63pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 1.07% <span style="font-size: .83em; vertical-align: super;">i</span></div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 14.86% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 7.26% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 11.89% </div> </td> </tr> <tr style="vertical-align: top;"> <td style="padding: 0px 5.4pt 0px 5px; width: 148pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> Long-term capital appreciation </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 175pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> Columbia Funds Variable Series Trust II, Columbia Variable Portfolio – Seligman Global Technology Fund (Class 2) (Adviser: Columbia Management Investment Advisers, LLC.). </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 63pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 1.20% <span style="font-size: .83em; vertical-align: super;">i</span></div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 34.37% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 18.42% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 22.70% </div> </td> </tr> <tr style="vertical-align: top;"> <td style="padding: 0px 5.4pt 0px 5px; width: 148pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> Long-term capital growth </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 175pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> Columbia Funds Variable Series Trust II, Columbia Variable Portfolio – Select Small Cap Value Fund (Class 2) (Adviser: Columbia Management Investment Advisers, LLC.). </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 63pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 1.10% <span style="font-size: .83em; vertical-align: super;">i</span></div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 6.30% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 8.66% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 7.97% </div> </td> </tr> <tr style="vertical-align: top;"> <td style="padding: 0px 5.4pt 0px 5px; width: 148pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> Achieve high current income and moderate capital appreciation </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 175pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> Federated Hermes Insurance Series Federated Hermes Managed Volatility Fund II – P (Adviser: Federated Hermes Global Investment Management Corp.; Sub-Adviser: Federated Hermes Investment Management Company). </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 63pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 0.97% <span style="font-size: .83em; vertical-align: super;">i</span></div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 7.03% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 6.56% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 6.85% </div> </td> </tr> </table><table style="font-size: 10pt; border-spacing: 0px; border-collapse: collapse; margin-left: -0.25pt; width: 96%;"> <tr style="vertical-align: top;"> <td style="padding: 0px 5.4pt 0px 5px; width: 148pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> Seek high current income </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 175pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> Federated Hermes Insurance Series Federated Hermes High Income Bond Fund II – P (Adviser: Federated Hermes Investment Management Company). </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 63pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 0.81% <span style="font-size: .83em; vertical-align: super;">i</span></div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 8.23% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 3.70% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 5.59% </div> </td> </tr> <tr style="vertical-align: top;"> <td style="padding: 0px 5.4pt 0px 5px; width: 148pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> Provide current income consistent with stability of principal and liquidity </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 175pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> Federated Hermes Insurance Series Federated Hermes Government Money Fund II – S (Adviser: Federated Hermes Investment Management Company). </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 63pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 0.63% <span style="font-size: .83em; vertical-align: super;">i</span></div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 3.73% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 2.80% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 1.73% </div> </td> </tr> <tr style="vertical-align: top;"> <td style="padding: 0px 5.4pt 0px 5px; width: 148pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> Long-term capital appreciation </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 175pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> Fidelity^®Variable Insurance Products Contrafund^® Portfolio – Service Class 2 (Adviser: Fidelity Management &amp; Research Company (FMR); Sub-Advisors: FMR Co., Inc. (FMRC) and other investment advisers serve as sub-advisers for the fund). </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 63pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 0.79% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 21.24% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 15.08% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 15.49% </div> </td> </tr> <tr style="vertical-align: top;"> <td style="padding: 0px 5.4pt 0px 5px; width: 148pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> High total return (Principal preservation is a secondary objective) </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 175pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> Fidelity^® Variable Insurance Products Freedom Retirement Portfolio – Service Class 2 (Formerly Fidelity^®Variable Insurance Products Freedom Income Portfolio – Service Class 2) (Adviser: FMR Co., Inc. (FMRC)). </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 63pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 0.61% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 9.31% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 2.08% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 4.17% </div> </td> </tr> <tr style="vertical-align: top;"> <td style="padding: 0px 5.4pt 0px 5px; width: 148pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> High total return (Principal preservation as the Fund approaches its target date is a secondary objective) </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 175pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> Fidelity® Variable Insurance Products Freedom 2010 Portfolio – Service Class 2 (Adviser: FMR Co., Inc. (FMRC)). </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 63pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 0.63% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 10.26% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 2.89% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 5.46% </div> </td> </tr> <tr style="vertical-align: top;"> <td style="padding: 0px 5.4pt 0px 5px; width: 148pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> High total return (Principal preservation as the Fund approaches its target date is a secondary objective) </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 175pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> Fidelity^® Variable Insurance Products Freedom 2015 Portfolio – Service Class 2 (Adviser: FMR Co., Inc. (FMRC)). </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 63pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 0.66% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 11.66% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 3.73% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 6.33% </div> </td> </tr> <tr style="vertical-align: top;"> <td style="padding: 0px 5.4pt 0px 5px; width: 148pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> High total return (Principal preservation as the Fund approaches its target date is a secondary objective) </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 175pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> Fidelity<span style="font-size: medium; letter-spacing: normal; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; float: none; display: inline !important;">^®</span> Variable Insurance Products Freedom 2020 Portfolio – Service Class 2 (Adviser: FMR Co., Inc. (FMRC)). </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 63pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 0.69% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 12.99% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 4.57% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 7.11% </div> </td> </tr> <tr style="vertical-align: top;"> <td style="padding: 0px 5.4pt 0px 5px; width: 148pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> High total return (Principal preservation as the Fund approaches its target date is a secondary objective) </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 175pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> Fidelity<span style="font-size: medium; letter-spacing: normal; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; float: none; display: inline !important;">^®</span> Variable Insurance Products Freedom 2025 Portfolio – Service Class 2 (Adviser: FMR Co., Inc. (FMRC)). </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 63pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 0.71% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 14.23% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 5.25% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 7.75% </div> </td> </tr> <tr style="vertical-align: top;"> <td style="padding: 0px 5.4pt 0px 5px; width: 148pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> High total return (Principal preservation as the Fund approaches its target date is a secondary objective) </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 175pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> Fidelity<span style="font-size: medium; letter-spacing: normal; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; float: none; display: inline !important;">^®</span> Variable Insurance Products Freedom 2030 Portfolio – Service Class 2 (Adviser: FMR Co., Inc. (FMRC)). </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 63pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 0.74% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 15.16% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 5.98% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 8.61% </div> </td> </tr> <tr style="vertical-align: top;"> <td style="padding: 0px 5.4pt 0px 5px; width: 148pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> High total return (Principal preservation as the Fund approaches its target date is a secondary objective) </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 175pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> Fidelity<span style="font-size: medium; letter-spacing: normal; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; float: none; display: inline !important;">^®</span> Variable Insurance Products Freedom 2035 Portfolio – Service Class 2 (Adviser: FMR Co., Inc. (FMRC)). </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 63pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 0.78% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 16.42% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 7.28% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 9.72% </div> </td> </tr> </table><table style="font-size: 10pt; border-spacing: 0px; border-collapse: collapse; margin-left: -0.25pt; width: 96%;"> <tr style="vertical-align: top;"> <td style="padding: 0px 5.4pt 0px 5px; width: 148pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> High total return (Principal preservation as the Fund approaches its target date is a secondary objective) </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 175pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> Fidelity<span style="font-size: medium; letter-spacing: normal; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; float: none; display: inline !important;">^®</span> Variable Insurance Products Freedom 2040 Portfolio – Service Class 2 (Adviser: FMR Co., Inc. (FMRC)). </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 63pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 0.82% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 18.44% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 8.73% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 10.59% </div> </td> </tr> <tr style="vertical-align: top;"> <td style="padding: 0px 5.4pt 0px 5px; width: 148pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> High total return (Principal preservation as the Fund approaches its target date is a secondary objective) </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 175pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> Fidelity<span style="font-size: medium; letter-spacing: normal; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; float: none; display: inline !important;">^®</span> Variable Insurance Products Freedom 2045 Portfolio – Service Class 2 (Adviser: FMR Co., Inc. (FMRC)). </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 63pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 0.85% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 19.53% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 9.16% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 10.82% </div> </td> </tr> <tr style="vertical-align: top;"> <td style="padding: 0px 5.4pt 0px 5px; width: 148pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> High total return (Principal preservation as the Fund approaches its target date is a secondary objective) </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 175pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> Fidelity<span style="font-size: medium; letter-spacing: normal; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; float: none; display: inline !important;">^®</span> Variable Insurance Products Freedom 2050 Portfolio – Service Class 2 (Adviser: FMR Co., Inc. (FMRC)). </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 63pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 0.85% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 19.50% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 9.15% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 10.81% </div> </td> </tr> <tr style="vertical-align: top;"> <td style="padding: 0px 5.4pt 0px 5px; width: 148pt; border-width: 1pt; border-style: solid; border-color: black;"> <div> High total return </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 175pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> Franklin Templeton Variable Insurance Products Trust, Franklin Global Real Estate VIP Fund – Class 2 (Adviser: Franklin Templeton Institutional, LLC). </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 63pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 1.25% <span style="font-size: .83em; vertical-align: super;">i</span></div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 7.93% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 2.36% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 3.03% </div> </td> </tr> <tr style="vertical-align: top;"> <td style="padding: 0px 5.4pt 0px 5px; width: 148pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> Long-term capital growth </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 175pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> Franklin Templeton Variable Insurance Products Trust, Franklin Small-Mid Cap Growth VIP Fund – Class 2 (Adviser: Franklin Advisers, Inc.). </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 63pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 1.08%  <span style="font-size: .83em; vertical-align: super;">i</span></div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 2.52% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 1.03% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 9.89% </div> </td> </tr> <tr style="vertical-align: top;"> <td style="padding: 0px 5.4pt 0px 5px; width: 148pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> Long-term capital appreciation </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 175pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> Franklin Templeton Variable Insurance Products Trust, Templeton Developing Markets VIP Fund – Class 2 (Adviser: Templeton Asset Management Ltd.). </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 63pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 1.36% <span style="font-size: .83em; vertical-align: super;">i</span></div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 46.27% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 5.46% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 10.40% </div> </td> </tr> <tr style="vertical-align: top;"> <td style="padding: 0px 5.4pt 0px 5px; width: 148pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> Long-term capital growth </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 175pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> Franklin Templeton Variable Insurance Products Trust, Templeton Foreign VIP Fund – Class 2 (Adviser: Templeton Investment Counsel, LLC). </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 63pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 1.07% <span style="font-size: .83em; vertical-align: super;">i</span></div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 29.19% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 8.25% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 5.75% </div> </td> </tr> <tr style="vertical-align: top;"> <td style="padding: 0px 5.4pt 0px 5px; width: 148pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> Capital growth </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 175pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> LVIP American Century Capital Appreciation Fund – Standard Class II (Adviser: Lincoln Financial Investments Corporation; Sub-Adviser: American Century Investment Management, Inc.). </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 63pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 0.79% <span style="font-size: .83em; vertical-align: super;">i</span></div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 6.72% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 5.16% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 11.47% </div> </td> </tr> <tr style="vertical-align: top;"> <td style="padding: 0px 5.4pt 0px 5px; width: 148pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> Capital growth by investing in common stocks (Income is a secondary objective) </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 175pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> LVIP American Century Disciplined Core Value Fund – Standard Class II (Adviser: Lincoln Financial Investments Corporation; Sub-Adviser: American Century Investment Management, Inc.). </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 63pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 0.71% <span style="font-size: .83em; vertical-align: super;">i</span></div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 14.86% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 8.78% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 10.39% </div> </td> </tr> </table><table style="font-size: 10pt; border-spacing: 0px; border-collapse: collapse; margin-left: -0.25pt; width: 96%;"> <tr style="vertical-align: top;"> <td style="padding: 0px 5.4pt 0px 5px; width: 148pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> Capital growth </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 175pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> LVIP American Century International Fund – Standard Class II (Adviser: Lincoln Financial Investments Corporation; Sub-Adviser: American Century Investment Management, Inc.). </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 63pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 0.95% <span style="font-size: .83em; vertical-align: super;">i</span></div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 15.98% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 1.85% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 6.42% </div> </td> </tr> <tr style="vertical-align: top;"> <td style="padding: 0px 5.4pt 0px 5px; width: 148pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> Long-term capital growth (Income is a secondary objective) </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 175pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> LVIP American Century Mid-Cap Value Fund – Standard Class II (Adviser: Lincoln Financial Investments Corporation; Sub-Adviser: American Century Investment Management, Inc.). </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 63pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 0.86%  <span style="font-size: .83em; vertical-align: super;">i</span></div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 8.99% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 8.89% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 9.12% </div> </td> </tr> <tr style="vertical-align: top;"> <td style="padding: 0px 5.4pt 0px 5px; width: 148pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> Long-term capital growth </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 175pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> LVIP American Century Ultra® Fund – Standard Class II (Adviser: Lincoln Financial Investments Corporation; Sub-Adviser: American Century Investment Management, Inc.). </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 63pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 0.75% <span style="font-size: .83em; vertical-align: super;">i</span></div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 12.84% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 11.68% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 17.16% </div> </td> </tr> <tr style="vertical-align: top;"> <td style="padding: 0px 5.4pt 0px 5px; width: 148pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> Long-term capital growth (Income is a secondary objective) </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 175pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> LVIP American Century Value Fund – Standard Class II (Adviser: Lincoln Financial Investments Corporation; Sub-Adviser: American Century Investment Management, Inc.). </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 63pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 0.71% <span style="font-size: .83em; vertical-align: super;">i</span></div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 16.82% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 11.65% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 10.23% </div> </td> </tr> <tr style="vertical-align: top;"> <td style="padding: 0px 5.4pt 0px 5px; width: 148pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> Long-term total return using a strategy that seeks to protect against U.S. inflation </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 175pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> LVIP American Century Inflation Protection Fund – Service Class (Adviser: Lincoln Financial Investments Corporation; Sub-Adviser: American Century Investment Management, Inc.). </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 63pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle;"> <div style="margin-bottom: 4pt; margin-top: 4pt;">                                  0.71% <span style="font-size: .83em; vertical-align: super;">i</span></div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 6.33% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 0.62% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 2.61% </div> </td> </tr> <tr style="vertical-align: top;"> <td style="padding: 0px 5.4pt 0px 5px; width: 148pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> Capital appreciation (Achieving current income by investing primarily in equity securities is a secondary objective) </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 175pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> LVIP JPMorgan Mid Cap Value Fund – Standard Class Shares (Adviser: Lincoln Financial Investments Corporation; Sub-Adviser: J.P. Morgan Investment Management Inc.). </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 63pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 0.74% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 4.72% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 9.63% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 8.77% </div> </td> </tr> <tr style="vertical-align: top;"> <td style="padding: 0px 5.4pt 0px 5px; width: 148pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> Capital growth over the long term </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 175pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> LVIP JPMorgan Small Cap Core Fund – Standard Class Shares (Adviser: Lincoln Financial Investments Corporation; Sub-Adviser: J.P. Morgan Investment Management Inc.). </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 63pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 0.77% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 10.27% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 6.40% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 8.95% </div> </td> </tr> <tr style="vertical-align: top;"> <td style="padding: 0px 5.4pt 0px 5px; width: 148pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> Provide high total return from a portfolio of selected equity securities </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 175pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> LVIP JPMorgan U.S. Equity Fund – Standard Class Shares (Adviser: Lincoln Financial Investments Corporation; Sub-Adviser: J.P. Morgan Investment Management Inc.). </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 63pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 0.63% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 14.54% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 13.69% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 14.84% </div> </td> </tr> </table><table style="font-size: 10pt; border-spacing: 0px; border-collapse: collapse; margin-left: -0.25pt; width: 96%;"> <tr style="vertical-align: top;"> <td style="padding: 0px 5.4pt 0px 5px; width: 148pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> Capital appreciation </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 175pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> MFS^® Variable Insurance Trust, MFS^®Growth Series – Initial Class Shares (Adviser: Massachusetts Financial Services Company). </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 63pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 0.73% <span style="font-size: .83em; vertical-align: super;">i</span></div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 12.19% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 11.10% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 15.60% </div> </td> </tr> <tr style="vertical-align: top;"> <td style="padding: 0px 5.4pt 0px 5px; width: 148pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> Capital appreciation </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 175pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> MFS^® Variable Insurance Trust, MFS^® Research Series – Initial Class Shares (Adviser: Massachusetts Financial Services Company). </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 63pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 0.74% <span style="font-size: .83em; vertical-align: super;">i</span></div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 12.85% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 11.15% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 12.93% </div> </td> </tr> <tr style="vertical-align: top;"> <td style="padding: 0px 5.4pt 0px 5px; width: 148pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> Total return with an emphasis on current income, but also considering capital appreciation </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 175pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> MFS^® Variable Insurance Trust, MFS^{<span style="font-size: medium; letter-spacing: normal; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; float: none; display: inline !important;">®</span>}Total Return Bond Series – Initial Class Shares (Adviser: Massachusetts Financial Services Company). </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 63pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 0.53% <span style="font-size: .83em; vertical-align: super;">i</span></div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 7.17% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 0.15% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 2.63% </div> </td> </tr> <tr style="vertical-align: top;"> <td style="padding: 0px 5.4pt 0px 5px; width: 148pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> Total return </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 175pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> MFS<span style="font-size: medium; letter-spacing: normal; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; float: none; display: inline !important;">^®</span> Variable Insurance Trust, MFS<span style="font-size: medium; letter-spacing: normal; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; float: none; display: inline !important;">^®</span> Total Return Series – Initial Class Shares (Adviser: Massachusetts Financial Services Company). </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 63pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 0.61% <span style="font-size: .83em; vertical-align: super;">i</span></div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 11.16% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 6.42% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 7.63% </div> </td> </tr> <tr style="vertical-align: top;"> <td style="padding: 0px 5.4pt 0px 5px; width: 148pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> Total return </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 175pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> MFS^{<span style="font-size: medium; letter-spacing: normal; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; float: none; display: inline !important;">®</span>}Variable Insurance Trust, MFS^{<span style="font-size: medium; letter-spacing: normal; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; float: none; display: inline !important;">®</span>}Utilities Series – Initial Class Shares (Adviser: Massachusetts Financial Services Company). </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 63pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 0.78% <span style="font-size: .83em; vertical-align: super;">i</span></div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 15.01% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 7.64% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 9.49% </div> </td> </tr> <tr style="vertical-align: top;"> <td style="padding: 0px 5.4pt 0px 5px; width: 148pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> Total return with an emphasis on high current income, but also considering capital appreciation </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 175pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> MFS<span style="font-size: medium; letter-spacing: normal; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; float: none; display: inline !important;">^®</span> Variable Insurance Trust II MFS<span style="font-size: medium; letter-spacing: normal; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; float: none; display: inline !important;">^® </span>Income Portfolio – Initial Class Shares (Adviser: Massachusetts Financial Services Company). </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 63pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 0.67% <span style="font-size: .83em; vertical-align: super;">i</span></div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 7.33% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 0.66% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 3.58% </div> </td> </tr> <tr style="vertical-align: top;"> <td style="padding: 0px 5.4pt 0px 5px; width: 148pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> Provide income and capital appreciation with less volatility than the fixed income and equity markets as a whole </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 175pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> Northern Lights Variable Trust, TOPS<span style="font-size: medium; letter-spacing: normal; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; float: none; display: inline !important;">^®</span> Managed Risk Balanced ETF Portfolio – Class 2 Shares (Adviser: ValMark Advisers, Inc.; Sub-Adviser Portfolio Manager: Milliman Financial Risk Management LLC). </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 63pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 0.76% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 9.03% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 3.83% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 4.92% </div> </td> </tr> <tr style="vertical-align: top;"> <td style="padding: 0px 5.4pt 0px 5px; width: 148pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> Capital appreciation with less volatility than the equity markets as a whole </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 175pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> Northern Lights Variable Trust, TOPS<span style="font-size: medium; letter-spacing: normal; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; float: none; display: inline !important;">^®</span> Managed Moderately Aggressive ETF Portfolio – Class 2 Shares (Formerly Northern Lights Variable Trust, TOPS<span style="font-size: medium; letter-spacing: normal; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; float: none; display: inline !important;">^®</span> Managed Risk Growth ETF Portfolio – Class 2 Shares) (Adviser: ValMark Advisers, Inc.; Sub-Adviser Portfolio Manager: Milliman Financial Risk Management LLC). </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 63pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 0.75% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 11.65% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 5.36% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 6.13% </div> </td> </tr> </table><table style="font-size: 10pt; border-spacing: 0px; border-collapse: collapse; margin-left: -0.25pt; width: 96%;"> <tr style="height: 0px; font-size: 0px;"> <td style="width: 148pt;"> </td> <td style="width: 175pt;"> </td> <td style="width: 63pt;"> </td> <td style="width: 49.5pt;"> </td> <td style="width: 49.5pt;"> </td> <td style="width: 49.5pt;"> </td> </tr> <tr style="vertical-align: top;"> <td style="padding: 0px 5.4pt 0px 5px; width: 148pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> Capital appreciation with less volatility than the equity markets as a whole </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 175pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> Northern Lights Variable Trust, TOPS<span style="font-size: medium; letter-spacing: normal; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; float: none; display: inline !important;">^®</span> Managed Risk Moderate ETF Portfolio – Class 2 Shares (Formerly Northern Lights Variable Trust, TOPS<span style="font-size: medium; letter-spacing: normal; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; float: none; display: inline !important;">^®</span> Managed Risk Moderate Growth ETF Portfolio – Class 2 Shares) (Adviser: ValMark Advisers, Inc.; Sub-Adviser Portfolio Manager: Milliman Financial Risk Management LLC). </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 63pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 0.75% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 10.36% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 4.74% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 5.72% </div> </td> </tr> </table><div> </div><div style="font-size: 10pt;"> ⁱDenotes Fund Portfolio and their investment adviser have entered into temporary expense reimbursements and/or fee waivers. See the prospectus for the Fund Portfolio for further information.</div><div style="font-size: 10pt;"> ⁱⁱ  See “<a href="#DefinedOutcomeFundRisk">PRINCIPAL RISKS OF INVESTING IN THE CONTRACT – Defined Outcome Funds Risks</a>” in the prospectus and the prospectuses for the Funds for a description of the risks associated with investing in the Invesco V.I. S&amp;P 500 Buffer Funds.</div><div style="font-family: 'Times New Roman',Times,serif; font-weight: bold; background-color: rgb(255, 255, 255);">The Fixed Account</div> <span style="background-color: rgb(255, 255, 255);"> </span> <div><br/> </div> <span style="background-color: rgb(255, 255, 255);"> </span> <div style="background-color: rgb(255, 255, 255);">The following table describes the Fixed Account investment option that is currently available under the Contract. We may change certain features of the Fixed Account investment option or offer a new Fixed Account investment option. We will provide you with written notice before doing so. Depending on the optional benefits you choose, you may not be able to invest in the Fixed Account, as noted below.</div><span style="background-color: rgb(255, 255, 255);"> </span> <div><span style="font-family: 'Times New Roman',Times,serif; background-color: rgb(255, 255, 255);">See</span><span style="font-family: 'Times New Roman',Times,serif; font-weight: bold; background-color: rgb(255, 255, 255);"> The Fixed Account </span><span style="font-family: 'Times New Roman',Times,serif; background-color: rgb(255, 255, 255);">for additional information.</span></div> <span style="background-color: rgb(255, 255, 255);"> </span> <table cellpadding="0" class="cfttable" id="zf4ed096b5685491ea002020b7f548d00" style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 70%; border-spacing: 0px; text-align: center; margin-left: auto; margin-right: auto; border-collapse: collapse;"> <tr> <td style="vertical-align: bottom; padding-bottom: 2px;" valign="bottom"> <div style="font-weight: bold;">Name</div> </td> <td style="vertical-align: bottom; padding-bottom: 2px;" valign="bottom"> <div style="font-weight: bold;">Segment Term Period</div> </td> <td class="cftguttercell" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;" valign="bottom"> </td> <td colspan="2" rowspan="1" style="vertical-align: bottom; border-width: medium; border-style: none; border-color: currentcolor;" valign="bottom"> <div style="font-weight: bold;">Minimum Guaranteed Interest Rate</div> </td> </tr> <tr style="background-color: rgb(204, 238, 255);"> <td style="vertical-align: top; width: 44%; padding-bottom: 2px; text-align: left;" valign="bottom"> <div>Fixed Account</div> </td> <td style="vertical-align: top; width: 44%; padding-bottom: 2px;" valign="bottom"> <div>1 Year<span style="font-size: .83em; vertical-align: super;">i</span></div> </td> <td class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" valign="bottom"> </td> <td class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%; border-width: medium; border-style: none; border-color: currentcolor;" valign="bottom"> </td> <td class="cftnumcell" colspan="1" style="vertical-align: bottom; width: 9%; border-width: medium; border-style: none; border-color: currentcolor;" valign="bottom"> <div>1.00%</div> </td> </tr><tr> <td style="vertical-align: top; text-align: left;" valign="bottom">Fixed Account (for Contracts issued prior to May 31, 2011 and for Contracts issued on or after May 31, 2011 in states where the state regulator has not approved a lower guaranteed interest rate)</td> <td style="vertical-align: middle;" valign="bottom">1 Year ⁱ</td> <td class="cftguttercell" colspan="1" style="vertical-align: bottom;" valign="bottom"> </td> <td class="cftcurrcell" colspan="1" style="vertical-align: bottom; border-width: medium; border-style: none; border-color: currentcolor;" valign="bottom"> </td> <td class="cftnumcell" colspan="1" style="border-width: medium; border-style: none; border-color: currentcolor; vertical-align: middle;" valign="bottom">3.00%</td> </tr> </table><div style="font-family: &quot;Times New Roman&quot;, Times, serif; background-color: rgb(255, 255, 255); font-size: 10pt;"><span style="font-family: 'Times New Roman', Times, serif;">ⁱThe Company reserves the right to shorten the period the interest rate applies to less than one year, except for the year in which such amount is received or transferred.</span></div> <div style="text-align: justify; margin-bottom: 8pt; font-variant: normal; font-weight: normal;">The following is a list of Portfolio Companies available under the Contract.  Depending on the optional benefits you choose, you may not be able to invest in certain Portfolio Companies, as noted below.  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 https://www.kclife.com/prospectus/default.htm.  You can also request this information at no cost by calling us at (800)-616-3670 or by sending an email request to statecompliance@kclife.com.</div><div style="text-align: justify; font-variant: normal; font-weight: normal;">The current expenses and performance information below reflects the fees and expenses of the Portfolio Companies but do not reflect the other fees and charges that the Contract 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.</div> <table style="font-size: 10pt; border-spacing: 0px; border-collapse: collapse; margin-left: -0.25pt; width: 96%;"> <tr style="vertical-align: top; height: 4.7pt;"> <td rowspan="3" style="padding: 0px 5.4pt; width: 149.65pt; border-width: 1pt; border-style: solid; border-color: black; background-color: rgb(217, 217, 217); vertical-align: middle;"> <div style="margin-bottom: 2pt; margin-top: 2pt; text-align: center;"> <span style="font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; font-weight: bold;">Investment Objective</span> </div> </td> <td rowspan="3" style="padding: 0px 5.4pt; width: 178.85pt; border-width: 1pt; border-style: solid; border-color: black; background-color: rgb(217, 217, 217); vertical-align: middle;"> <div style="margin-bottom: 2pt; margin-top: 2pt; text-align: center;"> <span style="font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; font-weight: bold;">Portfolio Company and Adviser/Subadvisor</span> </div> </td> <td rowspan="3" style="padding: 0px 5.4pt; width: 63pt; border-width: 1pt; border-style: solid; border-color: black; background-color: rgb(217, 217, 217); vertical-align: middle;"> <div style="margin-bottom: 2pt; margin-top: 2pt; text-align: center;"> <span style="font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; font-weight: bold;">Current Expenses</span> </div> </td> <td colspan="3" style="padding: 0px 5.4pt; border-top: 1pt solid black; border-left: 1pt solid black; border-right: 1pt solid black; background-color: rgb(217, 217, 217); vertical-align: middle;"> <div style="margin-bottom: 2pt; margin-top: 2pt; text-align: center;"> <span style="font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; font-weight: bold;">Average Annual Total Returns</span> </div> </td> </tr> <tr style="vertical-align: top; height: 4.7pt;"> <td colspan="3" style="padding: 0; border-bottom: 1pt solid black; border-left: 1pt solid black; border-right: 1pt solid black; padding-left: 5.4pt; padding-right: 5.4pt; background-color: #D9D9D9; vertical-align: middle;"> <div style="margin-bottom: 2pt; margin-top: 2pt; text-align: center;"> <span style="font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; font-weight: bold;">(as of 12/31/2025)</span> </div> </td> </tr> <tr style="vertical-align: top; height: 4.7pt;"> <td style="padding: 0; width: 49.5pt; border-top: 1pt solid black; border-bottom: 1pt solid black; border-left: 1pt solid black; border-right: 1pt solid black; padding-left: 5.4pt; padding-right: 5.4pt; background-color: #D9D9D9; vertical-align: middle;"> <div style="margin-bottom: 2pt; margin-top: 2pt; text-align: center;"> <span style="font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; font-weight: bold;">1 year</span> </div> </td> <td style="padding: 0; width: 49.5pt; border-top: 1pt solid black; border-bottom: 1pt solid black; border-left: 1pt solid black; border-right: 1pt solid black; padding-left: 5.4pt; padding-right: 5.4pt; background-color: #D9D9D9; vertical-align: middle;"> <div style="margin-bottom: 2pt; margin-top: 2pt; text-align: center;"> <span style="font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; font-weight: bold;">5 year</span> </div> </td> <td style="padding: 0; width: 49.5pt; border-top: 1pt solid black; border-bottom: 1pt solid black; border-left: 1pt solid black; border-right: 1pt solid black; padding-left: 5.4pt; padding-right: 5.4pt; background-color: #D9D9D9; vertical-align: middle;"> <div style="margin-bottom: 2pt; margin-top: 2pt; text-align: center;"> <span style="font-variant-numeric: normal; font-variant-east-asian: normal; font-variant-alternates: normal; font-variant-position: normal; font-variant-emoji: normal; font-weight: bold;">10 year</span> </div> </td> </tr> </table><table style="font-size: 10pt; border-spacing: 0px; border-collapse: collapse; margin-left: -0.25pt; width: 96%;"> <tr style="vertical-align: top;"> <td style="padding: 0; width: 149.65pt; border-top: 1pt solid black; border-bottom: 1pt solid black; border-left: 1pt solid black; border-right: 1pt solid black; padding-left: 5.4pt; padding-right: 5.4pt;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> Capital growth </div> </td> <td style="padding: 0; width: 178.85pt; border-top: 1pt solid black; border-bottom: 1pt solid black; border-left: 1pt solid black; border-right: 1pt solid black; padding-left: 5.4pt; padding-right: 5.4pt;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> AIM Variable Insurance Funds Invesco V.I. American Franchise Fund – Series I Shares (Adviser: Invesco Advisers, Inc.). </div> </td> <td style="padding: 0; width: 63pt; border-top: 1pt solid black; border-bottom: 1pt solid black; border-left: 1pt solid black; border-right: 1pt solid black; padding-left: 5.4pt; padding-right: 5.4pt; vertical-align: middle;"> <div style="margin-bottom: 4pt; margin-top: 4pt; text-align: center;"> 0.85% </div> </td> <td style="padding: 0; width: 49.5pt; border-top: 1pt solid black; border-bottom: 1pt solid black; border-left: 1pt solid black; border-right: 1pt solid black; padding-left: 5.4pt; padding-right: 5.4pt; vertical-align: middle;"> <div style="margin-bottom: 4pt; margin-top: 4pt; text-align: center;"> 11.67% </div> </td> <td style="padding: 0; width: 49.5pt; border-top: 1pt solid black; border-bottom: 1pt solid black; border-left: 1pt solid black; border-right: 1pt solid black; padding-left: 5.4pt; padding-right: 5.4pt; vertical-align: middle;"> <div style="margin-bottom: 4pt; margin-top: 4pt; text-align: center;"> 10.35% </div> </td> <td style="padding: 0; width: 49.5pt; border-top: 1pt solid black; border-bottom: 1pt solid black; border-left: 1pt solid black; border-right: 1pt solid black; padding-left: 5.4pt; padding-right: 5.4pt; vertical-align: middle;"> <div style="margin-bottom: 4pt; margin-top: 4pt; text-align: center;"> 14.87% </div> </td> </tr> <tr style="vertical-align: top;"> <td style="padding: 0; width: 149.65pt; border-top: 1pt solid black; border-bottom: 1pt solid black; border-left: 1pt solid black; border-right: 1pt solid black; padding-left: 5.4pt; padding-right: 5.4pt;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> Long-term growth of capital </div> </td> <td style="padding: 0; width: 178.85pt; border-top: 1pt solid black; border-bottom: 1pt solid black; border-left: 1pt solid black; border-right: 1pt solid black; padding-left: 5.4pt; padding-right: 5.4pt;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> AIM Variable Insurance Funds Invesco V.I. Core Equity Fund – Series I Shares (Adviser: Invesco Advisers, Inc.). </div> </td> <td style="padding: 0; width: 63pt; border-top: 1pt solid black; border-bottom: 1pt solid black; border-left: 1pt solid black; border-right: 1pt solid black; padding-left: 5.4pt; padding-right: 5.4pt; vertical-align: middle;"> <div style="margin-bottom: 4pt; margin-top: 4pt; text-align: center;"> 0.80% </div> </td> <td style="padding: 0; width: 49.5pt; border-top: 1pt solid black; border-bottom: 1pt solid black; border-left: 1pt solid black; border-right: 1pt solid black; padding-left: 5.4pt; padding-right: 5.4pt; vertical-align: middle;"> <div style="margin-bottom: 4pt; margin-top: 4pt; text-align: center;"> 16.17% </div> </td> <td style="padding: 0; width: 49.5pt; border-top: 1pt solid black; border-bottom: 1pt solid black; border-left: 1pt solid black; border-right: 1pt solid black; padding-left: 5.4pt; padding-right: 5.4pt; vertical-align: middle;"> <div style="margin-bottom: 4pt; margin-top: 4pt; text-align: center;"> 12.81% </div> </td> <td style="padding: 0; width: 49.5pt; border-top: 1pt solid black; border-bottom: 1pt solid black; border-left: 1pt solid black; border-right: 1pt solid black; padding-left: 5.4pt; padding-right: 5.4pt; vertical-align: middle;"> <div style="margin-bottom: 4pt; margin-top: 4pt; text-align: center;"> 11.73% </div> </td> </tr> <tr style="vertical-align: top;"> <td style="padding: 0; width: 149.65pt; border-top: 1pt solid black; border-bottom: 1pt solid black; border-left: 1pt solid black; border-right: 1pt solid black; padding-left: 5.4pt; padding-right: 5.4pt;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> Long-term growth of capital by investing in health care companies </div> </td> <td style="padding: 0; width: 178.85pt; border-top: 1pt solid black; border-bottom: 1pt solid black; border-left: 1pt solid black; border-right: 1pt solid black; padding-left: 5.4pt; padding-right: 5.4pt;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> AIM Variable Insurance Funds Invesco V.I. Health Care Fund - Series I Shares (Adviser: Invesco Advisers, Inc.) </div> </td> <td style="padding: 0; width: 63pt; border-top: 1pt solid black; border-bottom: 1pt solid black; border-left: 1pt solid black; border-right: 1pt solid black; padding-left: 5.4pt; padding-right: 5.4pt; vertical-align: middle;"> <div style="margin-bottom: 4pt; margin-top: 4pt; text-align: center;"> 0.98% </div> </td> <td style="padding: 0; width: 49.5pt; border-top: 1pt solid black; border-bottom: 1pt solid black; border-left: 1pt solid black; border-right: 1pt solid black; padding-left: 5.4pt; padding-right: 5.4pt; vertical-align: middle;"> <div style="margin-bottom: 4pt; margin-top: 4pt; text-align: center;"> 15.33% </div> </td> <td style="padding: 0; width: 49.5pt; border-top: 1pt solid black; border-bottom: 1pt solid black; border-left: 1pt solid black; border-right: 1pt solid black; padding-left: 5.4pt; padding-right: 5.4pt; vertical-align: middle;"> <div style="margin-bottom: 4pt; margin-top: 4pt; text-align: center;"> 3.80% </div> </td> <td style="padding: 0; width: 49.5pt; border-top: 1pt solid black; border-bottom: 1pt solid black; border-left: 1pt solid black; border-right: 1pt solid black; padding-left: 5.4pt; padding-right: 5.4pt; vertical-align: middle;"> <div style="margin-bottom: 4pt; margin-top: 4pt; text-align: center;"> 6.58% </div> </td> </tr> <tr style="vertical-align: top;"> <td style="padding: 0; width: 149.65pt; border-top: 1pt solid black; border-bottom: 1pt solid black; border-left: 1pt solid black; border-right: 1pt solid black; padding-left: 5.4pt; padding-right: 5.4pt;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> The Fund seeks, over a specified annual outcome period, to provide investors with returns that match those of the S&amp;P 500^® Index (the “Index”) up to an upside cap (maximum percentage return), while providing a buffer against the first 10% of Index losses (prior to taking into account any fees and expenses of the Fund)ⁱⁱ </div> </td> <td style="padding: 0; width: 178.85pt; border-top: 1pt solid black; border-bottom: 1pt solid black; border-left: 1pt solid black; border-right: 1pt solid black; padding-left: 5.4pt; padding-right: 5.4pt;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> AIM Variable Insurance Funds Invesco V.I. S&amp;P 500 Buffer Fund - December - Series I Shares (Adviser: Invesco Advisers, Inc.) </div> </td> <td style="padding: 0; width: 63pt; border-top: 1pt solid black; border-bottom: 1pt solid black; border-left: 1pt solid black; border-right: 1pt solid black; padding-left: 5.4pt; padding-right: 5.4pt; vertical-align: middle;"> <div style="margin-bottom: 4pt; margin-top: 4pt; text-align: center;"> 0.70%<sup style="font-size: 4.5pt;">i</sup> </div> </td> <td style="padding: 0; width: 49.5pt; border-top: 1pt solid black; border-bottom: 1pt solid black; border-left: 1pt solid black; border-right: 1pt solid black; padding-left: 5.4pt; padding-right: 5.4pt; vertical-align: middle;"> <div style="margin-bottom: 4pt; margin-top: 4pt; text-align: center;"> 13.81% </div> </td> <td style="padding: 0; width: 49.5pt; border-top: 1pt solid black; border-bottom: 1pt solid black; border-left: 1pt solid black; border-right: 1pt solid black; padding-left: 5.4pt; padding-right: 5.4pt; vertical-align: middle;"> <div style="margin-bottom: 4pt; margin-top: 4pt; text-align: center;"> <span style="-sec-ix-hidden: hidden-fact-0">-</span> </div> </td> <td style="padding: 0; width: 49.5pt; border-top: 1pt solid black; border-bottom: 1pt solid black; border-left: 1pt solid black; border-right: 1pt solid black; padding-left: 5.4pt; padding-right: 5.4pt; vertical-align: middle;"> <div style="margin-bottom: 4pt; margin-top: 4pt; text-align: center;"> <span style="-sec-ix-hidden: hidden-fact-1">-</span> </div> </td> </tr> <tr style="vertical-align: top;"> <td style="padding: 0; width: 149.65pt; border-top: 1pt solid black; border-bottom: 1pt solid black; border-left: 1pt solid black; border-right: 1pt solid black; padding-left: 5.4pt; padding-right: 5.4pt;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> The Fund seeks, over a specified annual outcome period, to provide investors with returns that match those of the S&amp;P 500^® Index (the “Index”) up to an upside cap (maximum percentage return), while providing a buffer against the first 10% of Index losses (prior to taking into account any fees and expenses of the Fund)ⁱⁱ </div> </td> <td style="padding: 0; width: 178.85pt; border-top: 1pt solid black; border-bottom: 1pt solid black; border-left: 1pt solid black; border-right: 1pt solid black; padding-left: 5.4pt; padding-right: 5.4pt;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> AIM Variable Insurance Funds Invesco V.I. S&amp;P 500 Buffer Fund - June - Series I Shares (Adviser: Invesco Advisers, Inc.) </div> </td> <td style="padding: 0; width: 63pt; border-top: 1pt solid black; border-bottom: 1pt solid black; border-left: 1pt solid black; border-right: 1pt solid black; padding-left: 5.4pt; padding-right: 5.4pt; vertical-align: middle;"> <div style="margin-bottom: 4pt; margin-top: 4pt; text-align: center;"> 0.70%<sup style="font-size: 4.5pt;">i</sup> </div> </td> <td style="padding: 0; width: 49.5pt; border-top: 1pt solid black; border-bottom: 1pt solid black; border-left: 1pt solid black; border-right: 1pt solid black; padding-left: 5.4pt; padding-right: 5.4pt; vertical-align: middle;"> <div style="margin-bottom: 4pt; margin-top: 4pt; text-align: center;"> 13.65% </div> </td> <td style="padding: 0; width: 49.5pt; border-top: 1pt solid black; border-bottom: 1pt solid black; border-left: 1pt solid black; border-right: 1pt solid black; padding-left: 5.4pt; padding-right: 5.4pt; vertical-align: middle;"> <div style="margin-bottom: 4pt; margin-top: 4pt; text-align: center;"> <span style="-sec-ix-hidden: hidden-fact-2">-</span> </div> </td> <td style="padding: 0; width: 49.5pt; border-top: 1pt solid black; border-bottom: 1pt solid black; border-left: 1pt solid black; border-right: 1pt solid black; padding-left: 5.4pt; padding-right: 5.4pt; vertical-align: middle;"> <div style="margin-bottom: 4pt; margin-top: 4pt; text-align: center;"> <span style="-sec-ix-hidden: hidden-fact-3">-</span> </div> </td> </tr> <tr style="vertical-align: top;"> <td style="padding: 0; width: 149.65pt; border-top: 1pt solid black; border-bottom: 1pt solid black; border-left: 1pt solid black; border-right: 1pt solid black; padding-left: 5.4pt; padding-right: 5.4pt;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> The Fund seeks, over a specified annual outcome period, to provide investors with returns that match those of the S&amp;P 500^® Index (the “Index”) up to an upside cap (maximum percentage return), while providing a buffer against the first 10% of Index losses (prior to taking into account any fees and expenses of the Fund)ⁱⁱ </div> </td> <td style="padding: 0; width: 178.85pt; border-top: 1pt solid black; border-bottom: 1pt solid black; border-left: 1pt solid black; border-right: 1pt solid black; padding-left: 5.4pt; padding-right: 5.4pt;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> AIM Variable Insurance Funds Invesco V.I. S&amp;P 500 Buffer Fund - March - Series I Shares (Adviser: Invesco Advisers, Inc.) </div> </td> <td style="padding: 0; width: 63pt; border-top: 1pt solid black; border-bottom: 1pt solid black; border-left: 1pt solid black; border-right: 1pt solid black; padding-left: 5.4pt; padding-right: 5.4pt; vertical-align: middle;"> <div style="margin-bottom: 4pt; margin-top: 4pt; text-align: center;"> 0.70%<sup style="font-size: 4.5pt;">i</sup> </div> </td> <td style="padding: 0; width: 49.5pt; border-top: 1pt solid black; border-bottom: 1pt solid black; border-left: 1pt solid black; border-right: 1pt solid black; padding-left: 5.4pt; padding-right: 5.4pt; vertical-align: middle;"> <div style="margin-bottom: 4pt; margin-top: 4pt; text-align: center;"> 7.64% </div> </td> <td style="padding: 0; width: 49.5pt; border-top: 1pt solid black; border-bottom: 1pt solid black; border-left: 1pt solid black; border-right: 1pt solid black; padding-left: 5.4pt; padding-right: 5.4pt; vertical-align: middle;"> <div style="margin-bottom: 4pt; margin-top: 4pt; text-align: center;"> <span style="-sec-ix-hidden: hidden-fact-4">-</span> </div> </td> <td style="padding: 0; width: 49.5pt; border-top: 1pt solid black; border-bottom: 1pt solid black; border-left: 1pt solid black; border-right: 1pt solid black; padding-left: 5.4pt; padding-right: 5.4pt; vertical-align: middle;"> <div style="margin-bottom: 4pt; margin-top: 4pt; text-align: center;"> <span style="-sec-ix-hidden: hidden-fact-5">-</span> </div> </td> </tr> </table><table style="font-size: 10pt; border-spacing: 0px; border-collapse: collapse; margin-left: -0.25pt; width: 96%;"> <tr style="vertical-align: top;"> <td style="padding: 0px 5.4pt 0px 5px; width: 148pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> The Fund seeks, over a specified annual outcome period, to provide investors with returns that match those of the S&amp;P 500<span style="letter-spacing: normal; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; float: none; display: inline !important;">^®</span> Index (the “Index”) up to an upside cap (maximum percentage return), while providing a buffer against the first 10% of Index losses (prior to taking into account any fees and expenses of the Fund) <span style="font-size: .83em; vertical-align: super;">ii</span></div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 175pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> AIM Variable Insurance Funds Invesco V.I. S&amp;P 500 Buffer Fund - September - Series I Shares (Adviser: Invesco Advisers, Inc.) </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 63pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 0.70% <span style="font-size: .83em; vertical-align: super;">i</span></div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 12.78% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> <span style="-sec-ix-hidden: hidden-fact-6">-</span> </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> <span style="-sec-ix-hidden: hidden-fact-7">-</span> </div> </td> </tr> <tr style="vertical-align: top;"> <td style="padding: 0px 5.4pt 0px 5px; width: 148pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> Long-term growth of capital </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 175pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> AIM Variable Insurance Funds Invesco V.I. Technology Fund – Series I Shares (Adviser: Invesco Advisers, Inc.). </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 63pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 0.96% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 20.47% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 10.30% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 15.78% </div> </td> </tr> <tr style="vertical-align: top;"> <td style="padding: 0px 5.4pt 0px 5px; width: 148pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> Provide high total return (including income and capital gains) consistent with preservation of capital over the long term </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 175pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> American Funds Insurance Series<span style="font-size: medium; letter-spacing: normal; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; float: none; display: inline !important;">^®</span> Asset Allocation Fund – Class 2 Shares (Adviser: Capital Research and Management Company^SM). </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 63pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 0.54% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 15.85% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 8.97% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 9.77% </div> </td> </tr> <tr style="vertical-align: top;"> <td style="padding: 0px 5.4pt 0px 5px; width: 148pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> Provide a level of current income that exceeds the average yield on U.S. stocks generally and provide a growing stream of income over the years. Providing growth of capital is a secondary objective </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 175pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> American Funds Insurance Series<span style="font-size: medium; letter-spacing: normal; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; float: none; display: inline !important;">^®</span> Capital Income Builder<span style="font-size: medium; letter-spacing: normal; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; float: none; display: inline !important;">^®</span> – Class 2 Shares (Adviser: Capital Research and Management Company^SM). </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 63pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 0.52% <span style="font-size: .83em; vertical-align: super;">i</span></div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 20.41% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 9.08% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 7.59% </div> </td> </tr> <tr style="vertical-align: top;"> <td style="padding: 0px 5.4pt 0px 5px; width: 148pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> Provide, over the long term, a high level of total return consistent with prudent investment management. Total return comprises the income generated by the fund and the changes in the market value of the fund’s investments. </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 175pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> American Funds Insurance Series<span style="font-size: medium; letter-spacing: normal; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; float: none; display: inline !important;">^®</span> Capital World Bond Fund<span style="font-size: medium; letter-spacing: normal; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; float: none; display: inline !important;">^®</span> – Class 2 Shares (Adviser: Capital Research and Management Company^SM). </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 63pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 0.73% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 9.39% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> -2.50% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 1.23% </div> </td> </tr> <tr style="vertical-align: top;"> <td style="padding: 0px 5.4pt 0px 5px; width: 148pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> Long-term growth of capital </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 175pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> American Funds Insurance Series<span style="font-size: medium; letter-spacing: normal; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; float: none; display: inline !important;">^®</span> Global Growth Fund – Class 2 Shares (Adviser: Capital Research and Management Company^SM). </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 63pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 0.65% <span style="font-size: .83em; vertical-align: super;">i</span></div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 21.62% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 8.23% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 12.17% </div> </td> </tr> <tr style="vertical-align: top;"> <td style="padding: 0px 5.4pt 0px 5px; width: 148pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> Achieve long-term growth of capital and income </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 175pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> American Funds Insurance Series<span style="font-size: medium; letter-spacing: normal; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; float: none; display: inline !important;">^®</span> Growth-Income Fund – Class 2 Shares (Adviser: Capital Research and Management Company^SM). </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 63pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 0.53% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 18.06% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 13.90% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 13.92% </div> </td> </tr> <tr style="vertical-align: top;"> <td style="padding: 0px 5.4pt 0px 5px; width: 148pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> Long-term capital appreciation </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 175pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> American Funds Insurance Series<span style="font-size: medium; letter-spacing: normal; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; float: none; display: inline !important;">^®</span> New World Fund<span style="font-size: medium; letter-spacing: normal; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; float: none; display: inline !important;">^®</span> – Class 2 Shares (Adviser: Capital Research and Management Company^SM). </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 63pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 0.82% <span style="font-size: .83em; vertical-align: super;">i</span></div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 28.29% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 5.33% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 9.25% </div> </td> </tr> </table><table style="font-size: 10pt; border-spacing: 0px; border-collapse: collapse; margin-left: -0.25pt; width: 96%;"> <tr style="vertical-align: top;"> <td style="padding: 0px 5.4pt 0px 5px; width: 148pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> Provide high total return (including income and capital gains) consistent with preservation of capital over the long term while seeking to manage volatility and provide downside protection </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 175pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> American Funds Insurance Series<span style="font-size: medium; letter-spacing: normal; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; float: none; display: inline !important;">^®</span> Managed Risk Funds, Managed Risk Asset Allocation Fund – Class P2 Shares (Adviser: Capital Research and Management Company; Subadvisor: Milliman Financial Risk Management LLC). </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 63pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 0.90% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 11.67% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 6.43% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 7.17% </div> </td> </tr> <tr style="vertical-align: top;"> <td style="padding: 0px 5.4pt 0px 5px; width: 148pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> Produce income and to provide an opportunity for growth of principal consistent with sound common stock investing, while seeking to manage volatility and provide downside protection </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 175pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> American Funds Insurance Series<span style="font-size: medium; letter-spacing: normal; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; float: none; display: inline !important;">^®</span> Managed Risk Funds, Managed Risk Washington Mutual Investors Fund^SM – Class P2 Shares (Adviser: Capital Research and Management Company; Subadvisor: Milliman Financial Risk Management LLC). </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 63pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 0.88% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 10.65% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 8.04% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 7.18% </div> </td> </tr> <tr style="vertical-align: top;"> <td style="padding: 0px 5.4pt 0px 5px; width: 148pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> Growth of capital while seeking to manage volatility and provide downside protection </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 175pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;">American Funds Insurance Series<span style="font-size: medium; letter-spacing: normal; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; float: none; display: inline !important;">^®</span> Managed Risk Funds, Managed Risk Growth Fund – Class P2 Shares (Adviser: Capital Research and Management Company^SM; Subadvisor: Milliman Financial Risk Management LLC). </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 63pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 0.93% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 13.41% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 7.96% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 11.74% </div> </td> </tr> <tr style="vertical-align: top;"> <td style="padding: 0px 5.4pt 0px 5px; width: 148pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> Achieve long-term growth of capital and income while seeking to manage volatility and provide downside protection </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 175pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;">American Funds Insurance Series<span style="font-size: medium; letter-spacing: normal; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; float: none; display: inline !important;">^®</span> Managed Risk Funds, Managed Risk Growth-Income Fund – Class P2 Shares (Adviser: Capital Research and Management Company^SM; Subadvisor: Milliman Financial Risk Management LLC). </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 63pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 0.88% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 11.17% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 7.70% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 8.98% </div> </td> </tr> <tr style="vertical-align: top;"> <td style="padding: 0px 5.4pt 0px 5px; width: 148pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> Provide long-term growth of capital while seeking to manage volatility and provide downside protection </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 175pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> American Funds Insurance Series<span style="font-size: medium; letter-spacing: normal; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; float: none; display: inline !important;">^®</span> Managed Risk Funds, Managed Risk EUPAC Fund – Class P2 Shares (Formerly American Funds Insurance Series<span style="font-size: medium; letter-spacing: normal; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; float: none; display: inline !important;">^®</span> Managed Risk Funds, Managed Risk International Fund – Class P2 Shares) (Adviser: Capital Research and Management Company^SM; Subadvisor: Milliman Financial Risk Management LLC). </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 63pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 1.06% <span style="font-size: .83em; vertical-align: super;">i</span></div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 15.09% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> -0.29% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 2.90% </div> </td> </tr> <tr style="vertical-align: top;"> <td style="padding: 0px 5.4pt 0px 5px; width: 148pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> The fund seeks long-term capital growth consistent with the preservation of capital.  Its secondary goal is current income. </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 175pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> BNY Mellon Variable Investment Fund Appreciation Portfolio – Initial Shares (Adviser: BNY Mellon Investment Adviser, Inc.; Sub-Investment Advisor: Fayez Sarofim Co., LLC (Sarofim &amp; Co.)). </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 63pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 0.85% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 10.07% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 9.37% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 12.92% </div> </td> </tr> </table><table style="font-size: 10pt; border-spacing: 0px; border-collapse: collapse; margin-left: -0.25pt; width: 96%;"> <tr style="vertical-align: top;"> <td style="padding: 0px 5.4pt 0px 5px; width: 148pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> The fund seeks capital growth. </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 175pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> BNY Mellon Variable Investment Fund Small Cap Portfolio – Initial Shares (Formerly BNY Mellon Variable Investment Fund Opportunistic Small Cap Portfolio – Initial Shares) (Adviser: BNY Mellon Investment Adviser, Inc.; Sub-Investment Advisor: Newton Investment Management North America, LLC) </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 63pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 0.83% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 10.99% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 4.26% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 7.83% </div> </td> </tr> <tr style="vertical-align: top;"> <td style="padding: 0px 5.4pt 0px 5px; width: 148pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> The fund seeks to match the total return of the S&amp;P 500® Index. </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 175pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> BNY Mellon Stock Index Fund, Inc. – Initial Shares (Adviser: BNY Mellon Investment Adviser, Inc.; Sub-Investment Advisor: Mellon Investments Corporation) </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 63pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 0.27% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 17.53% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 14.11% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 14.52% </div> </td> </tr> <tr style="vertical-align: top;"> <td style="padding: 0px 5.4pt 0px 5px; width: 148pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> The fund seeks long-term capital appreciation. </div> <div style="margin-bottom: 4pt; margin-top: 4pt;">  </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 175pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> BNY Mellon Sustainable U.S. Equity Portfolio, Inc. – Initial Shares (Adviser: BNY Mellon Investment Adviser, Inc.; Sub-Investment Advisor: Newton Investment Management Limited). </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 63pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 0.66% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 15.97% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 11.93% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 13.56% </div> </td> </tr> <tr style="vertical-align: top;"> <td style="padding: 0px 5.4pt 0px 5px; width: 148pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> High long-term total return through growth and current income </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 175pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> Calamos<span style="font-size: medium; letter-spacing: normal; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; float: none; display: inline !important;">^®</span> Advisors Trust, Calamos Growth and Income Portfolio (Adviser: Calamos Advisors LLC). </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 63pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 1.27% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 17.40% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 10.90% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 11.72% </div> </td> </tr> <tr style="vertical-align: top;"> <td style="padding: 0px 5.4pt 0px 5px; width: 148pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> Growth of capital </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 175pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> Columbia Funds Variable Series Trust II, Columbia Variable Portfolio – Select Mid Cap Growth Fund (Class 2) (Adviser: Columbia Management Investment Advisers, LLC.). </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 63pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 1.07% <span style="font-size: .83em; vertical-align: super;">i</span></div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 14.86% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 7.26% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 11.89% </div> </td> </tr> <tr style="vertical-align: top;"> <td style="padding: 0px 5.4pt 0px 5px; width: 148pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> Long-term capital appreciation </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 175pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> Columbia Funds Variable Series Trust II, Columbia Variable Portfolio – Seligman Global Technology Fund (Class 2) (Adviser: Columbia Management Investment Advisers, LLC.). </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 63pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 1.20% <span style="font-size: .83em; vertical-align: super;">i</span></div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 34.37% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 18.42% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 22.70% </div> </td> </tr> <tr style="vertical-align: top;"> <td style="padding: 0px 5.4pt 0px 5px; width: 148pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> Long-term capital growth </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 175pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> Columbia Funds Variable Series Trust II, Columbia Variable Portfolio – Select Small Cap Value Fund (Class 2) (Adviser: Columbia Management Investment Advisers, LLC.). </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 63pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 1.10% <span style="font-size: .83em; vertical-align: super;">i</span></div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 6.30% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 8.66% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 7.97% </div> </td> </tr> <tr style="vertical-align: top;"> <td style="padding: 0px 5.4pt 0px 5px; width: 148pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> Achieve high current income and moderate capital appreciation </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 175pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> Federated Hermes Insurance Series Federated Hermes Managed Volatility Fund II – P (Adviser: Federated Hermes Global Investment Management Corp.; Sub-Adviser: Federated Hermes Investment Management Company). </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 63pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 0.97% <span style="font-size: .83em; vertical-align: super;">i</span></div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 7.03% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 6.56% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 6.85% </div> </td> </tr> </table><table style="font-size: 10pt; border-spacing: 0px; border-collapse: collapse; margin-left: -0.25pt; width: 96%;"> <tr style="vertical-align: top;"> <td style="padding: 0px 5.4pt 0px 5px; width: 148pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> Seek high current income </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 175pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> Federated Hermes Insurance Series Federated Hermes High Income Bond Fund II – P (Adviser: Federated Hermes Investment Management Company). </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 63pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 0.81% <span style="font-size: .83em; vertical-align: super;">i</span></div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 8.23% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 3.70% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 5.59% </div> </td> </tr> <tr style="vertical-align: top;"> <td style="padding: 0px 5.4pt 0px 5px; width: 148pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> Provide current income consistent with stability of principal and liquidity </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 175pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> Federated Hermes Insurance Series Federated Hermes Government Money Fund II – S (Adviser: Federated Hermes Investment Management Company). </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 63pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 0.63% <span style="font-size: .83em; vertical-align: super;">i</span></div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 3.73% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 2.80% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 1.73% </div> </td> </tr> <tr style="vertical-align: top;"> <td style="padding: 0px 5.4pt 0px 5px; width: 148pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> Long-term capital appreciation </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 175pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> Fidelity^®Variable Insurance Products Contrafund^® Portfolio – Service Class 2 (Adviser: Fidelity Management &amp; Research Company (FMR); Sub-Advisors: FMR Co., Inc. (FMRC) and other investment advisers serve as sub-advisers for the fund). </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 63pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 0.79% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 21.24% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 15.08% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 15.49% </div> </td> </tr> <tr style="vertical-align: top;"> <td style="padding: 0px 5.4pt 0px 5px; width: 148pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> High total return (Principal preservation is a secondary objective) </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 175pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> Fidelity^® Variable Insurance Products Freedom Retirement Portfolio – Service Class 2 (Formerly Fidelity^®Variable Insurance Products Freedom Income Portfolio – Service Class 2) (Adviser: FMR Co., Inc. (FMRC)). </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 63pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 0.61% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 9.31% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 2.08% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 4.17% </div> </td> </tr> <tr style="vertical-align: top;"> <td style="padding: 0px 5.4pt 0px 5px; width: 148pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> High total return (Principal preservation as the Fund approaches its target date is a secondary objective) </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 175pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> Fidelity® Variable Insurance Products Freedom 2010 Portfolio – Service Class 2 (Adviser: FMR Co., Inc. (FMRC)). </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 63pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 0.63% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 10.26% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 2.89% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 5.46% </div> </td> </tr> <tr style="vertical-align: top;"> <td style="padding: 0px 5.4pt 0px 5px; width: 148pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> High total return (Principal preservation as the Fund approaches its target date is a secondary objective) </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 175pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> Fidelity^® Variable Insurance Products Freedom 2015 Portfolio – Service Class 2 (Adviser: FMR Co., Inc. (FMRC)). </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 63pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 0.66% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 11.66% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 3.73% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 6.33% </div> </td> </tr> <tr style="vertical-align: top;"> <td style="padding: 0px 5.4pt 0px 5px; width: 148pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> High total return (Principal preservation as the Fund approaches its target date is a secondary objective) </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 175pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> Fidelity<span style="font-size: medium; letter-spacing: normal; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; float: none; display: inline !important;">^®</span> Variable Insurance Products Freedom 2020 Portfolio – Service Class 2 (Adviser: FMR Co., Inc. (FMRC)). </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 63pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 0.69% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 12.99% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 4.57% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 7.11% </div> </td> </tr> <tr style="vertical-align: top;"> <td style="padding: 0px 5.4pt 0px 5px; width: 148pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> High total return (Principal preservation as the Fund approaches its target date is a secondary objective) </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 175pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> Fidelity<span style="font-size: medium; letter-spacing: normal; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; float: none; display: inline !important;">^®</span> Variable Insurance Products Freedom 2025 Portfolio – Service Class 2 (Adviser: FMR Co., Inc. (FMRC)). </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 63pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 0.71% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 14.23% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 5.25% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 7.75% </div> </td> </tr> <tr style="vertical-align: top;"> <td style="padding: 0px 5.4pt 0px 5px; width: 148pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> High total return (Principal preservation as the Fund approaches its target date is a secondary objective) </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 175pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> Fidelity<span style="font-size: medium; letter-spacing: normal; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; float: none; display: inline !important;">^®</span> Variable Insurance Products Freedom 2030 Portfolio – Service Class 2 (Adviser: FMR Co., Inc. (FMRC)). </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 63pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 0.74% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 15.16% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 5.98% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 8.61% </div> </td> </tr> <tr style="vertical-align: top;"> <td style="padding: 0px 5.4pt 0px 5px; width: 148pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> High total return (Principal preservation as the Fund approaches its target date is a secondary objective) </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 175pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> Fidelity<span style="font-size: medium; letter-spacing: normal; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; float: none; display: inline !important;">^®</span> Variable Insurance Products Freedom 2035 Portfolio – Service Class 2 (Adviser: FMR Co., Inc. (FMRC)). </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 63pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 0.78% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 16.42% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 7.28% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 9.72% </div> </td> </tr> </table><table style="font-size: 10pt; border-spacing: 0px; border-collapse: collapse; margin-left: -0.25pt; width: 96%;"> <tr style="vertical-align: top;"> <td style="padding: 0px 5.4pt 0px 5px; width: 148pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> High total return (Principal preservation as the Fund approaches its target date is a secondary objective) </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 175pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> Fidelity<span style="font-size: medium; letter-spacing: normal; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; float: none; display: inline !important;">^®</span> Variable Insurance Products Freedom 2040 Portfolio – Service Class 2 (Adviser: FMR Co., Inc. (FMRC)). </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 63pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 0.82% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 18.44% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 8.73% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 10.59% </div> </td> </tr> <tr style="vertical-align: top;"> <td style="padding: 0px 5.4pt 0px 5px; width: 148pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> High total return (Principal preservation as the Fund approaches its target date is a secondary objective) </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 175pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> Fidelity<span style="font-size: medium; letter-spacing: normal; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; float: none; display: inline !important;">^®</span> Variable Insurance Products Freedom 2045 Portfolio – Service Class 2 (Adviser: FMR Co., Inc. (FMRC)). </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 63pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 0.85% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 19.53% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 9.16% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 10.82% </div> </td> </tr> <tr style="vertical-align: top;"> <td style="padding: 0px 5.4pt 0px 5px; width: 148pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> High total return (Principal preservation as the Fund approaches its target date is a secondary objective) </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 175pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> Fidelity<span style="font-size: medium; letter-spacing: normal; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; float: none; display: inline !important;">^®</span> Variable Insurance Products Freedom 2050 Portfolio – Service Class 2 (Adviser: FMR Co., Inc. (FMRC)). </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 63pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 0.85% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 19.50% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 9.15% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 10.81% </div> </td> </tr> <tr style="vertical-align: top;"> <td style="padding: 0px 5.4pt 0px 5px; width: 148pt; border-width: 1pt; border-style: solid; border-color: black;"> <div> High total return </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 175pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> Franklin Templeton Variable Insurance Products Trust, Franklin Global Real Estate VIP Fund – Class 2 (Adviser: Franklin Templeton Institutional, LLC). </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 63pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 1.25% <span style="font-size: .83em; vertical-align: super;">i</span></div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 7.93% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 2.36% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 3.03% </div> </td> </tr> <tr style="vertical-align: top;"> <td style="padding: 0px 5.4pt 0px 5px; width: 148pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> Long-term capital growth </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 175pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> Franklin Templeton Variable Insurance Products Trust, Franklin Small-Mid Cap Growth VIP Fund – Class 2 (Adviser: Franklin Advisers, Inc.). </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 63pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 1.08%  <span style="font-size: .83em; vertical-align: super;">i</span></div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 2.52% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 1.03% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 9.89% </div> </td> </tr> <tr style="vertical-align: top;"> <td style="padding: 0px 5.4pt 0px 5px; width: 148pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> Long-term capital appreciation </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 175pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> Franklin Templeton Variable Insurance Products Trust, Templeton Developing Markets VIP Fund – Class 2 (Adviser: Templeton Asset Management Ltd.). </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 63pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 1.36% <span style="font-size: .83em; vertical-align: super;">i</span></div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 46.27% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 5.46% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 10.40% </div> </td> </tr> <tr style="vertical-align: top;"> <td style="padding: 0px 5.4pt 0px 5px; width: 148pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> Long-term capital growth </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 175pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> Franklin Templeton Variable Insurance Products Trust, Templeton Foreign VIP Fund – Class 2 (Adviser: Templeton Investment Counsel, LLC). </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 63pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 1.07% <span style="font-size: .83em; vertical-align: super;">i</span></div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 29.19% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 8.25% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 5.75% </div> </td> </tr> <tr style="vertical-align: top;"> <td style="padding: 0px 5.4pt 0px 5px; width: 148pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> Capital growth </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 175pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> LVIP American Century Capital Appreciation Fund – Standard Class II (Adviser: Lincoln Financial Investments Corporation; Sub-Adviser: American Century Investment Management, Inc.). </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 63pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 0.79% <span style="font-size: .83em; vertical-align: super;">i</span></div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 6.72% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 5.16% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 11.47% </div> </td> </tr> <tr style="vertical-align: top;"> <td style="padding: 0px 5.4pt 0px 5px; width: 148pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> Capital growth by investing in common stocks (Income is a secondary objective) </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 175pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> LVIP American Century Disciplined Core Value Fund – Standard Class II (Adviser: Lincoln Financial Investments Corporation; Sub-Adviser: American Century Investment Management, Inc.). </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 63pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 0.71% <span style="font-size: .83em; vertical-align: super;">i</span></div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 14.86% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 8.78% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 10.39% </div> </td> </tr> </table><table style="font-size: 10pt; border-spacing: 0px; border-collapse: collapse; margin-left: -0.25pt; width: 96%;"> <tr style="vertical-align: top;"> <td style="padding: 0px 5.4pt 0px 5px; width: 148pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> Capital growth </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 175pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> LVIP American Century International Fund – Standard Class II (Adviser: Lincoln Financial Investments Corporation; Sub-Adviser: American Century Investment Management, Inc.). </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 63pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 0.95% <span style="font-size: .83em; vertical-align: super;">i</span></div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 15.98% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 1.85% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 6.42% </div> </td> </tr> <tr style="vertical-align: top;"> <td style="padding: 0px 5.4pt 0px 5px; width: 148pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> Long-term capital growth (Income is a secondary objective) </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 175pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> LVIP American Century Mid-Cap Value Fund – Standard Class II (Adviser: Lincoln Financial Investments Corporation; Sub-Adviser: American Century Investment Management, Inc.). </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 63pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 0.86%  <span style="font-size: .83em; vertical-align: super;">i</span></div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 8.99% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 8.89% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 9.12% </div> </td> </tr> <tr style="vertical-align: top;"> <td style="padding: 0px 5.4pt 0px 5px; width: 148pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> Long-term capital growth </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 175pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> LVIP American Century Ultra® Fund – Standard Class II (Adviser: Lincoln Financial Investments Corporation; Sub-Adviser: American Century Investment Management, Inc.). </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 63pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 0.75% <span style="font-size: .83em; vertical-align: super;">i</span></div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 12.84% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 11.68% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 17.16% </div> </td> </tr> <tr style="vertical-align: top;"> <td style="padding: 0px 5.4pt 0px 5px; width: 148pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> Long-term capital growth (Income is a secondary objective) </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 175pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> LVIP American Century Value Fund – Standard Class II (Adviser: Lincoln Financial Investments Corporation; Sub-Adviser: American Century Investment Management, Inc.). </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 63pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 0.71% <span style="font-size: .83em; vertical-align: super;">i</span></div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 16.82% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 11.65% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 10.23% </div> </td> </tr> <tr style="vertical-align: top;"> <td style="padding: 0px 5.4pt 0px 5px; width: 148pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> Long-term total return using a strategy that seeks to protect against U.S. inflation </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 175pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> LVIP American Century Inflation Protection Fund – Service Class (Adviser: Lincoln Financial Investments Corporation; Sub-Adviser: American Century Investment Management, Inc.). </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 63pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle;"> <div style="margin-bottom: 4pt; margin-top: 4pt;">                                  0.71% <span style="font-size: .83em; vertical-align: super;">i</span></div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 6.33% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 0.62% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 2.61% </div> </td> </tr> <tr style="vertical-align: top;"> <td style="padding: 0px 5.4pt 0px 5px; width: 148pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> Capital appreciation (Achieving current income by investing primarily in equity securities is a secondary objective) </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 175pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> LVIP JPMorgan Mid Cap Value Fund – Standard Class Shares (Adviser: Lincoln Financial Investments Corporation; Sub-Adviser: J.P. Morgan Investment Management Inc.). </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 63pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 0.74% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 4.72% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 9.63% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 8.77% </div> </td> </tr> <tr style="vertical-align: top;"> <td style="padding: 0px 5.4pt 0px 5px; width: 148pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> Capital growth over the long term </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 175pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> LVIP JPMorgan Small Cap Core Fund – Standard Class Shares (Adviser: Lincoln Financial Investments Corporation; Sub-Adviser: J.P. Morgan Investment Management Inc.). </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 63pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 0.77% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 10.27% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 6.40% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 8.95% </div> </td> </tr> <tr style="vertical-align: top;"> <td style="padding: 0px 5.4pt 0px 5px; width: 148pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> Provide high total return from a portfolio of selected equity securities </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 175pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> LVIP JPMorgan U.S. Equity Fund – Standard Class Shares (Adviser: Lincoln Financial Investments Corporation; Sub-Adviser: J.P. Morgan Investment Management Inc.). </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 63pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 0.63% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 14.54% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 13.69% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 14.84% </div> </td> </tr> </table><table style="font-size: 10pt; border-spacing: 0px; border-collapse: collapse; margin-left: -0.25pt; width: 96%;"> <tr style="vertical-align: top;"> <td style="padding: 0px 5.4pt 0px 5px; width: 148pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> Capital appreciation </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 175pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> MFS^® Variable Insurance Trust, MFS^®Growth Series – Initial Class Shares (Adviser: Massachusetts Financial Services Company). </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 63pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 0.73% <span style="font-size: .83em; vertical-align: super;">i</span></div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 12.19% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 11.10% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 15.60% </div> </td> </tr> <tr style="vertical-align: top;"> <td style="padding: 0px 5.4pt 0px 5px; width: 148pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> Capital appreciation </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 175pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> MFS^® Variable Insurance Trust, MFS^® Research Series – Initial Class Shares (Adviser: Massachusetts Financial Services Company). </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 63pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 0.74% <span style="font-size: .83em; vertical-align: super;">i</span></div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 12.85% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 11.15% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 12.93% </div> </td> </tr> <tr style="vertical-align: top;"> <td style="padding: 0px 5.4pt 0px 5px; width: 148pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> Total return with an emphasis on current income, but also considering capital appreciation </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 175pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> MFS^® Variable Insurance Trust, MFS^{<span style="font-size: medium; letter-spacing: normal; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; float: none; display: inline !important;">®</span>}Total Return Bond Series – Initial Class Shares (Adviser: Massachusetts Financial Services Company). </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 63pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 0.53% <span style="font-size: .83em; vertical-align: super;">i</span></div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 7.17% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 0.15% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 2.63% </div> </td> </tr> <tr style="vertical-align: top;"> <td style="padding: 0px 5.4pt 0px 5px; width: 148pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> Total return </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 175pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> MFS<span style="font-size: medium; letter-spacing: normal; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; float: none; display: inline !important;">^®</span> Variable Insurance Trust, MFS<span style="font-size: medium; letter-spacing: normal; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; float: none; display: inline !important;">^®</span> Total Return Series – Initial Class Shares (Adviser: Massachusetts Financial Services Company). </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 63pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 0.61% <span style="font-size: .83em; vertical-align: super;">i</span></div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 11.16% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 6.42% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 7.63% </div> </td> </tr> <tr style="vertical-align: top;"> <td style="padding: 0px 5.4pt 0px 5px; width: 148pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> Total return </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 175pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> MFS^{<span style="font-size: medium; letter-spacing: normal; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; float: none; display: inline !important;">®</span>}Variable Insurance Trust, MFS^{<span style="font-size: medium; letter-spacing: normal; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; float: none; display: inline !important;">®</span>}Utilities Series – Initial Class Shares (Adviser: Massachusetts Financial Services Company). </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 63pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 0.78% <span style="font-size: .83em; vertical-align: super;">i</span></div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 15.01% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 7.64% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 9.49% </div> </td> </tr> <tr style="vertical-align: top;"> <td style="padding: 0px 5.4pt 0px 5px; width: 148pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> Total return with an emphasis on high current income, but also considering capital appreciation </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 175pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> MFS<span style="font-size: medium; letter-spacing: normal; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; float: none; display: inline !important;">^®</span> Variable Insurance Trust II MFS<span style="font-size: medium; letter-spacing: normal; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; float: none; display: inline !important;">^® </span>Income Portfolio – Initial Class Shares (Adviser: Massachusetts Financial Services Company). </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 63pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 0.67% <span style="font-size: .83em; vertical-align: super;">i</span></div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 7.33% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 0.66% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 3.58% </div> </td> </tr> <tr style="vertical-align: top;"> <td style="padding: 0px 5.4pt 0px 5px; width: 148pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> Provide income and capital appreciation with less volatility than the fixed income and equity markets as a whole </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 175pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> Northern Lights Variable Trust, TOPS<span style="font-size: medium; letter-spacing: normal; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; float: none; display: inline !important;">^®</span> Managed Risk Balanced ETF Portfolio – Class 2 Shares (Adviser: ValMark Advisers, Inc.; Sub-Adviser Portfolio Manager: Milliman Financial Risk Management LLC). </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 63pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 0.76% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 9.03% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 3.83% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 4.92% </div> </td> </tr> <tr style="vertical-align: top;"> <td style="padding: 0px 5.4pt 0px 5px; width: 148pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> Capital appreciation with less volatility than the equity markets as a whole </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 175pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> Northern Lights Variable Trust, TOPS<span style="font-size: medium; letter-spacing: normal; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; float: none; display: inline !important;">^®</span> Managed Moderately Aggressive ETF Portfolio – Class 2 Shares (Formerly Northern Lights Variable Trust, TOPS<span style="font-size: medium; letter-spacing: normal; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; float: none; display: inline !important;">^®</span> Managed Risk Growth ETF Portfolio – Class 2 Shares) (Adviser: ValMark Advisers, Inc.; Sub-Adviser Portfolio Manager: Milliman Financial Risk Management LLC). </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 63pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 0.75% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 11.65% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 5.36% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 6.13% </div> </td> </tr> </table><table style="font-size: 10pt; border-spacing: 0px; border-collapse: collapse; margin-left: -0.25pt; width: 96%;"> <tr style="height: 0px; font-size: 0px;"> <td style="width: 148pt;"> </td> <td style="width: 175pt;"> </td> <td style="width: 63pt;"> </td> <td style="width: 49.5pt;"> </td> <td style="width: 49.5pt;"> </td> <td style="width: 49.5pt;"> </td> </tr> <tr style="vertical-align: top;"> <td style="padding: 0px 5.4pt 0px 5px; width: 148pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> Capital appreciation with less volatility than the equity markets as a whole </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 175pt; border-width: 1pt; border-style: solid; border-color: black;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> Northern Lights Variable Trust, TOPS<span style="font-size: medium; letter-spacing: normal; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; float: none; display: inline !important;">^®</span> Managed Risk Moderate ETF Portfolio – Class 2 Shares (Formerly Northern Lights Variable Trust, TOPS<span style="font-size: medium; letter-spacing: normal; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; float: none; display: inline !important;">^®</span> Managed Risk Moderate Growth ETF Portfolio – Class 2 Shares) (Adviser: ValMark Advisers, Inc.; Sub-Adviser Portfolio Manager: Milliman Financial Risk Management LLC). </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 63pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 0.75% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 10.36% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 4.74% </div> </td> <td style="padding: 0px 5.4pt 0px 5px; width: 49.5pt; border-width: 1pt; border-style: solid; border-color: black; vertical-align: middle; text-align: center;"> <div style="margin-bottom: 4pt; margin-top: 4pt;"> 5.72% </div> </td> </tr> </table><div style="font-size: 10pt;"> ⁱDenotes Fund Portfolio and their investment adviser have entered into temporary expense reimbursements and/or fee waivers. See the prospectus for the Fund Portfolio for further information.</div><div style="font-size: 10pt;"> ⁱⁱ  See “<a href="#DefinedOutcomeFundRisk">PRINCIPAL RISKS OF INVESTING IN THE CONTRACT – Defined Outcome Funds Risks</a>” in the prospectus and the prospectuses for the Funds for a description of the risks associated with investing in the Invesco V.I. S&amp;P 500 Buffer Funds.</div> Capital growth AIM Variable Insurance Funds Invesco V.I. American Franchise Fund – Series I Shares Invesco Advisers, Inc. 0.0085 0.1167 0.1035 0.1487 Long-term growth of capital AIM Variable Insurance Funds Invesco V.I. Core Equity Fund – Series I Shares Invesco Advisers, Inc. 0.008 0.1617 0.1281 0.1173 Long-term growth of capital by investing in health care companies AIM Variable Insurance Funds Invesco V.I. Health Care Fund - Series I Shares Invesco Advisers, Inc. 0.0098 0.1533 0.038 0.0658 The Fund seeks, over a specified annual outcome period, to provide investors with returns that match those of the S&amp;P 500^® Index (the “Index”) up to an upside cap (maximum percentage return), while providing a buffer against the first 10% of Index losses (prior to taking into account any fees and expenses of the Fund) AIM Variable Insurance Funds Invesco V.I. S&amp;P 500 Buffer Fund - December - Series I Shares Invesco Advisers, Inc. 0.007 0.1381 The Fund seeks, over a specified annual outcome period, to provide investors with returns that match those of the S&amp;P 500^® Index (the “Index”) up to an upside cap (maximum percentage return), while providing a buffer against the first 10% of Index losses (prior to taking into account any fees and expenses of the Fund) AIM Variable Insurance Funds Invesco V.I. S&amp;P 500 Buffer Fund - June - Series I Shares Invesco Advisers, Inc. 0.007 0.1365 The Fund seeks, over a specified annual outcome period, to provide investors with returns that match those of the S&amp;P 500^® Index (the “Index”) up to an upside cap (maximum percentage return), while providing a buffer against the first 10% of Index losses (prior to taking into account any fees and expenses of the Fund) AIM Variable Insurance Funds Invesco V.I. S&amp;P 500 Buffer Fund - March - Series I Shares Invesco Advisers, Inc. 0.007 0.0764 The Fund seeks, over a specified annual outcome period, to provide investors with returns that match those of the S&amp;P 500<span style="letter-spacing: normal; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; float: none; display: inline !important;">^®</span> Index (the “Index”) up to an upside cap (maximum percentage return), while providing a buffer against the first 10% of Index losses (prior to taking into account any fees and expenses of the Fund) AIM Variable Insurance Funds Invesco V.I. S&amp;P 500 Buffer Fund - September - Series I Shares Invesco Advisers, Inc. 0.007 0.1278 Long-term growth of capital AIM Variable Insurance Funds Invesco V.I. Technology Fund – Series I Shares Invesco Advisers, Inc. 0.0096 0.2047 0.103 0.1578 Provide high total return (including income and capital gains) consistent with preservation of capital over the long term American Funds Insurance Series<span style="font-size: medium; letter-spacing: normal; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; float: none; display: inline !important;">^®</span> Asset Allocation Fund – Class 2 Shares Capital Research and Management Company^SM 0.0054 0.1585 0.0897 0.0977 Provide a level of current income that exceeds the average yield on U.S. stocks generally and provide a growing stream of income over the years. Providing growth of capital is a secondary objective American Funds Insurance Series<span style="font-size: medium; letter-spacing: normal; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; float: none; display: inline !important;">^®</span> Capital Income Builder<span style="font-size: medium; letter-spacing: normal; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; float: none; display: inline !important;">^®</span> – Class 2 Shares Capital Research and Management Company^SM 0.0052 0.2041 0.0908 0.0759 Provide, over the long term, a high level of total return consistent with prudent investment management. Total return comprises the income generated by the fund and the changes in the market value of the fund’s investments. American Funds Insurance Series<span style="font-size: medium; letter-spacing: normal; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; float: none; display: inline !important;">^®</span> Capital World Bond Fund<span style="font-size: medium; letter-spacing: normal; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; float: none; display: inline !important;">^®</span> – Class 2 Shares Capital Research and Management Company^SM 0.0073 0.0939 -0.025 0.0123 Long-term growth of capital American Funds Insurance Series<span style="font-size: medium; letter-spacing: normal; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; float: none; display: inline !important;">^®</span> Global Growth Fund – Class 2 Shares Capital Research and Management Company^SM 0.0065 0.2162 0.0823 0.1217 Achieve long-term growth of capital and income American Funds Insurance Series<span style="font-size: medium; letter-spacing: normal; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; float: none; display: inline !important;">^®</span> Growth-Income Fund – Class 2 Shares Capital Research and Management Company^SM 0.0053 0.1806 0.139 0.1392 Long-term capital appreciation American Funds Insurance Series<span style="font-size: medium; letter-spacing: normal; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; float: none; display: inline !important;">^®</span> New World Fund<span style="font-size: medium; letter-spacing: normal; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; float: none; display: inline !important;">^®</span> – Class 2 Shares Capital Research and Management Company^SM 0.0082 0.2829 0.0533 0.0925 Provide high total return (including income and capital gains) consistent with preservation of capital over the long term while seeking to manage volatility and provide downside protection American Funds Insurance Series<span style="font-size: medium; letter-spacing: normal; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; float: none; display: inline !important;">^®</span> Managed Risk Funds, Managed Risk Asset Allocation Fund – Class P2 Shares Capital Research and Management Company Milliman Financial Risk Management LLC 0.009 0.1167 0.0643 0.0717 Produce income and to provide an opportunity for growth of principal consistent with sound common stock investing, while seeking to manage volatility and provide downside protection American Funds Insurance Series<span style="font-size: medium; letter-spacing: normal; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; float: none; display: inline !important;">^®</span> Managed Risk Funds, Managed Risk Washington Mutual Investors Fund^SM – Class P2 Shares Capital Research and Management Company Milliman Financial Risk Management LLC 0.0088 0.1065 0.0804 0.0718 Growth of capital while seeking to manage volatility and provide downside protection American Funds Insurance Series<span style="font-size: medium; letter-spacing: normal; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; float: none; display: inline !important;">^®</span> Managed Risk Funds, Managed Risk Growth Fund – Class P2 Shares Capital Research and Management Company^SM Milliman Financial Risk Management LLC 0.0093 0.1341 0.0796 0.1174 Achieve long-term growth of capital and income while seeking to manage volatility and provide downside protection American Funds Insurance Series<span style="font-size: medium; letter-spacing: normal; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; float: none; display: inline !important;">^®</span> Managed Risk Funds, Managed Risk Growth-Income Fund – Class P2 Shares Capital Research and Management Company^SM Milliman Financial Risk Management LLC 0.0088 0.1117 0.077 0.0898 Provide long-term growth of capital while seeking to manage volatility and provide downside protection American Funds Insurance Series<span style="font-size: medium; letter-spacing: normal; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; float: none; display: inline !important;">^®</span> Managed Risk Funds, Managed Risk EUPAC Fund – Class P2 Shares (Formerly American Funds Insurance Series<span style="font-size: medium; letter-spacing: normal; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; float: none; display: inline !important;">^®</span> Managed Risk Funds, Managed Risk International Fund – Class P2 Shares) Capital Research and Management Company^SM Milliman Financial Risk Management LLC 0.0106 0.1509 -0.0029 0.029 The fund seeks long-term capital growth consistent with the preservation of capital.  Its secondary goal is current income. BNY Mellon Variable Investment Fund Appreciation Portfolio – Initial Shares BNY Mellon Investment Adviser, Inc. Fayez Sarofim Co., LLC (Sarofim &amp; Co.) 0.0085 0.1007 0.0937 0.1292 The fund seeks capital growth. BNY Mellon Variable Investment Fund Small Cap Portfolio – Initial Shares (Formerly BNY Mellon Variable Investment Fund Opportunistic Small Cap Portfolio – Initial Shares) BNY Mellon Investment Adviser, Inc. Newton Investment Management North America, LLC 0.0083 0.1099 0.0426 0.0783 The fund seeks to match the total return of the S&amp;P 500® Index. BNY Mellon Stock Index Fund, Inc. – Initial Shares BNY Mellon Investment Adviser, Inc. Mellon Investments Corporation 0.0027 0.1753 0.1411 0.1452 The fund seeks long-term capital appreciation. BNY Mellon Sustainable U.S. Equity Portfolio, Inc. – Initial Shares BNY Mellon Investment Adviser, Inc. Newton Investment Management Limited 0.0066 0.1597 0.1193 0.1356 High long-term total return through growth and current income Calamos<span style="font-size: medium; letter-spacing: normal; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; float: none; display: inline !important;">^®</span> Advisors Trust, Calamos Growth and Income Portfolio Calamos Advisors LLC 0.0127 0.174 0.109 0.1172 Growth of capital Columbia Funds Variable Series Trust II, Columbia Variable Portfolio – Select Mid Cap Growth Fund (Class 2) Columbia Management Investment Advisers, LLC. 0.0107 0.1486 0.0726 0.1189 Long-term capital appreciation Columbia Funds Variable Series Trust II, Columbia Variable Portfolio – Seligman Global Technology Fund (Class 2) Columbia Management Investment Advisers, LLC. 0.012 0.3437 0.1842 0.227 Long-term capital growth Columbia Funds Variable Series Trust II, Columbia Variable Portfolio – Select Small Cap Value Fund (Class 2) Columbia Management Investment Advisers, LLC. 0.011 0.063 0.0866 0.0797 Achieve high current income and moderate capital appreciation Federated Hermes Insurance Series Federated Hermes Managed Volatility Fund II – P Federated Hermes Global Investment Management Corp. Federated Hermes Investment Management Company 0.0097 0.0703 0.0656 0.0685 Seek high current income Federated Hermes Insurance Series Federated Hermes High Income Bond Fund II – P Federated Hermes Investment Management Company 0.0081 0.0823 0.037 0.0559 Provide current income consistent with stability of principal and liquidity Federated Hermes Insurance Series Federated Hermes Government Money Fund II – S Federated Hermes Investment Management Company 0.0063 0.0373 0.028 0.0173 Long-term capital appreciation Fidelity^®Variable Insurance Products Contrafund^® Portfolio – Service Class 2 Fidelity Management &amp; Research Company (FMR) FMR Co., Inc. (FMRC) and other investment advisers serve as sub-advisers for the fund 0.0079 0.2124 0.1508 0.1549 High total return (Principal preservation is a secondary objective) Fidelity^® Variable Insurance Products Freedom Retirement Portfolio – Service Class 2 (Formerly Fidelity^®Variable Insurance Products Freedom Income Portfolio – Service Class 2) FMR Co., Inc. (FMRC) 0.0061 0.0931 0.0208 0.0417 High total return (Principal preservation as the Fund approaches its target date is a secondary objective) Fidelity® Variable Insurance Products Freedom 2010 Portfolio – Service Class 2 FMR Co., Inc. (FMRC) 0.0063 0.1026 0.0289 0.0546 High total return (Principal preservation as the Fund approaches its target date is a secondary objective) Fidelity^® Variable Insurance Products Freedom 2015 Portfolio – Service Class 2 0.0066 0.1166 0.0373 0.0633 High total return (Principal preservation as the Fund approaches its target date is a secondary objective) Fidelity<span style="font-size: medium; letter-spacing: normal; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; float: none; display: inline !important;">^®</span> Variable Insurance Products Freedom 2020 Portfolio – Service Class 2 FMR Co., Inc. (FMRC) FMR Co., Inc. (FMRC) 0.0069 0.1299 0.0457 0.0711 High total return (Principal preservation as the Fund approaches its target date is a secondary objective) Fidelity<span style="font-size: medium; letter-spacing: normal; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; float: none; display: inline !important;">^®</span> Variable Insurance Products Freedom 2025 Portfolio – Service Class 2 FMR Co., Inc. (FMRC) 0.0071 0.1423 0.0525 0.0775 High total return (Principal preservation as the Fund approaches its target date is a secondary objective) Fidelity<span style="font-size: medium; letter-spacing: normal; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; float: none; display: inline !important;">^®</span> Variable Insurance Products Freedom 2030 Portfolio – Service Class 2 FMR Co., Inc. (FMRC) 0.0074 0.1516 0.0598 0.0861 High total return (Principal preservation as the Fund approaches its target date is a secondary objective) Fidelity<span style="font-size: medium; letter-spacing: normal; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; float: none; display: inline !important;">^®</span> Variable Insurance Products Freedom 2035 Portfolio – Service Class 2 FMR Co., Inc. (FMRC) 0.0078 0.1642 0.0728 0.0972 High total return (Principal preservation as the Fund approaches its target date is a secondary objective) Fidelity<span style="font-size: medium; letter-spacing: normal; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; float: none; display: inline !important;">^®</span> Variable Insurance Products Freedom 2040 Portfolio – Service Class 2 FMR Co., Inc. (FMRC) 0.0082 0.1844 0.0873 0.1059 High total return (Principal preservation as the Fund approaches its target date is a secondary objective) Fidelity<span style="font-size: medium; letter-spacing: normal; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; float: none; display: inline !important;">^®</span> Variable Insurance Products Freedom 2045 Portfolio – Service Class 2 FMR Co., Inc. (FMRC) 0.0085 0.1953 0.0916 0.1082 High total return (Principal preservation as the Fund approaches its target date is a secondary objective) Fidelity<span style="font-size: medium; letter-spacing: normal; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; float: none; display: inline !important;">^®</span> Variable Insurance Products Freedom 2050 Portfolio – Service Class 2 FMR Co., Inc. (FMRC) 0.0085 0.195 0.0915 0.1081 High total return Franklin Templeton Variable Insurance Products Trust, Franklin Global Real Estate VIP Fund – Class 2 Franklin Templeton Institutional, LLC 0.0125 0.0793 0.0236 0.0303 Long-term capital growth Franklin Templeton Variable Insurance Products Trust, Franklin Small-Mid Cap Growth VIP Fund – Class 2 Franklin Advisers, Inc. 0.0108 0.0252 0.0103 0.0989 Long-term capital appreciation Franklin Templeton Variable Insurance Products Trust, Templeton Developing Markets VIP Fund – Class 2 Templeton Asset Management Ltd. 0.0136 0.4627 0.0546 0.104 Long-term capital growth Franklin Templeton Variable Insurance Products Trust, Templeton Foreign VIP Fund – Class 2 Templeton Investment Counsel, LLC 0.0107 0.2919 0.0825 0.0575 Capital growth LVIP American Century Capital Appreciation Fund – Standard Class II Lincoln Financial Investments Corporation American Century Investment Management, Inc. 0.0079 0.0672 0.0516 0.1147 Capital growth by investing in common stocks (Income is a secondary objective) LVIP American Century Disciplined Core Value Fund – Standard Class II Lincoln Financial Investments Corporation American Century Investment Management, Inc. 0.0071 0.1486 0.0878 0.1039 Capital growth LVIP American Century International Fund – Standard Class II Lincoln Financial Investments Corporation American Century Investment Management, Inc. 0.0095 0.1598 0.0185 0.0642 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 Long-term capital growth LVIP American Century Ultra® Fund – Standard Class II Lincoln Financial Investments Corporation American Century Investment Management, Inc. 0.0075 0.1284 0.1168 0.1716 Long-term capital growth (Income is a secondary objective) LVIP American Century Value Fund – Standard Class II Lincoln Financial Investments Corporation American Century Investment Management, Inc. 0.0071 0.1682 0.1165 0.1023 Long-term total return using a strategy that seeks to protect against U.S. inflation LVIP American Century Inflation Protection Fund – Service Class Lincoln Financial Investments Corporation American Century Investment Management, Inc. 0.0071 0.0633 0.0062 0.0261 Capital appreciation (Achieving current income by investing primarily in equity securities is a secondary objective) LVIP JPMorgan Mid Cap Value Fund – Standard Class Shares Lincoln Financial Investments Corporation J.P. Morgan Investment Management Inc. 0.0074 0.0472 0.0963 0.0877 Capital growth over the long term LVIP JPMorgan Small Cap Core Fund – Standard Class Shares Lincoln Financial Investments Corporation J.P. Morgan Investment Management Inc. 0.0077 0.1027 0.064 0.0895 Provide high total return from a portfolio of selected equity securities LVIP JPMorgan U.S. Equity Fund – Standard Class Shares Lincoln Financial Investments Corporation J.P. Morgan Investment Management Inc. 0.0063 0.1454 0.1369 0.1484 Capital appreciation MFS^® Variable Insurance Trust, MFS^®Growth Series – Initial Class Shares Massachusetts Financial Services Company 0.0073 0.1219 0.111 0.156 Capital appreciation MFS^® Variable Insurance Trust, MFS^® Research Series – Initial Class Shares Massachusetts Financial Services Company 0.0074 0.1285 0.1115 0.1293 Total return with an emphasis on current income, but also considering capital appreciation MFS^® Variable Insurance Trust, MFS^{<span style="font-size: medium; letter-spacing: normal; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; float: none; display: inline !important;">®</span>}Total Return Bond Series – Initial Class Shares Massachusetts Financial Services Company 0.0053 0.0717 0.0015 0.0263 Total return MFS<span style="font-size: medium; letter-spacing: normal; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; float: none; display: inline !important;">^®</span> Variable Insurance Trust, MFS<span style="font-size: medium; letter-spacing: normal; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; float: none; display: inline !important;">^®</span> Total Return Series – Initial Class Shares Massachusetts Financial Services Company 0.0061 0.1116 0.0642 0.0763 Total return MFS^{<span style="font-size: medium; letter-spacing: normal; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; float: none; display: inline !important;">®</span>}Variable Insurance Trust, MFS^{<span style="font-size: medium; letter-spacing: normal; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; float: none; display: inline !important;">®</span>}Utilities Series – Initial Class Shares Massachusetts Financial Services Company 0.0078 0.1501 0.0764 0.0949 Total return with an emphasis on high current income, but also considering capital appreciation MFS<span style="font-size: medium; letter-spacing: normal; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; float: none; display: inline !important;">^®</span> Variable Insurance Trust II MFS<span style="font-size: medium; letter-spacing: normal; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; float: none; display: inline !important;">^® </span>Income Portfolio – Initial Class Shares Massachusetts Financial Services Company 0.0067 0.0733 0.0066 0.0358 Provide income and capital appreciation with less volatility than the fixed income and equity markets as a whole Northern Lights Variable Trust, TOPS<span style="font-size: medium; letter-spacing: normal; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; float: none; display: inline !important;">^®</span> Managed Risk Balanced ETF Portfolio – Class 2 Shares ValMark Advisers, Inc. Milliman Financial Risk Management LLC 0.0076 0.0903 0.0383 0.0492 Capital appreciation with less volatility than the equity markets as a whole Northern Lights Variable Trust, TOPS<span style="font-size: medium; letter-spacing: normal; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; float: none; display: inline !important;">^®</span> Managed Moderately Aggressive ETF Portfolio – Class 2 Shares (Formerly Northern Lights Variable Trust, TOPS<span style="font-size: medium; letter-spacing: normal; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; float: none; display: inline !important;">^®</span> Managed Risk Growth ETF Portfolio – Class 2 Shares) ValMark Advisers, Inc. Milliman Financial Risk Management LLC 0.0075 0.1165 0.0536 0.0613 Capital appreciation with less volatility than the equity markets as a whole Northern Lights Variable Trust, TOPS<span style="font-size: medium; letter-spacing: normal; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; float: none; display: inline !important;">^®</span> Managed Risk Moderate ETF Portfolio – Class 2 Shares (Formerly Northern Lights Variable Trust, TOPS<span style="font-size: medium; letter-spacing: normal; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial; float: none; display: inline !important;">^®</span> Managed Risk Moderate Growth ETF Portfolio – Class 2 Shares) ValMark Advisers, Inc. Milliman Financial Risk Management LLC 0.0075 0.1036 0.0474 0.0572 <div style="font-family: 'Times New Roman',Times,serif; font-weight: bold; background-color: rgb(255, 255, 255);">The Fixed Account</div><div style="background-color: rgb(255, 255, 255);">The following table describes the Fixed Account investment option that is currently available under the Contract. We may change certain features of the Fixed Account investment option or offer a new Fixed Account investment option. We will provide you with written notice before doing so. Depending on the optional benefits you choose, you may not be able to invest in the Fixed Account, as noted below.</div><div><span style="font-family: 'Times New Roman',Times,serif; background-color: rgb(255, 255, 255);">See</span><span style="font-family: 'Times New Roman',Times,serif; font-weight: bold; background-color: rgb(255, 255, 255);"> The Fixed Account </span><span style="font-family: 'Times New Roman',Times,serif; background-color: rgb(255, 255, 255);">for additional information.</span></div> <table cellpadding="0" class="cfttable" id="zf4ed096b5685491ea002020b7f548d00" style="font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 10pt; width: 70%; border-spacing: 0px; text-align: center; margin-left: auto; margin-right: auto; border-collapse: collapse;"> <tr> <td style="vertical-align: bottom; padding-bottom: 2px;" valign="bottom"> <div style="font-weight: bold;">Name</div> </td> <td style="vertical-align: bottom; padding-bottom: 2px;" valign="bottom"> <div style="font-weight: bold;">Segment Term Period</div> </td> <td class="cftguttercell" colspan="1" style="vertical-align: bottom; padding-bottom: 2px;" valign="bottom"> </td> <td colspan="2" rowspan="1" style="vertical-align: bottom; border-width: medium; border-style: none; border-color: currentcolor;" valign="bottom"> <div style="font-weight: bold;">Minimum Guaranteed Interest Rate</div> </td> </tr> <tr style="background-color: rgb(204, 238, 255);"> <td style="vertical-align: top; width: 44%; padding-bottom: 2px; text-align: left;" valign="bottom"> <div>Fixed Account</div> </td> <td style="vertical-align: top; width: 44%; padding-bottom: 2px;" valign="bottom"> <div>1 Year<span style="font-size: .83em; vertical-align: super;">i</span></div> </td> <td class="cftguttercell" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px;" valign="bottom"> </td> <td class="cftcurrcell" colspan="1" style="vertical-align: bottom; width: 1%; border-width: medium; border-style: none; border-color: currentcolor;" valign="bottom"> </td> <td class="cftnumcell" colspan="1" style="vertical-align: bottom; width: 9%; border-width: medium; border-style: none; border-color: currentcolor;" valign="bottom"> <div>1.00%</div> </td> </tr><tr> <td style="vertical-align: top; text-align: left;" valign="bottom">Fixed Account (for Contracts issued prior to May 31, 2011 and for Contracts issued on or after May 31, 2011 in states where the state regulator has not approved a lower guaranteed interest rate)</td> <td style="vertical-align: middle;" valign="bottom">1 Year ⁱ</td> <td class="cftguttercell" colspan="1" style="vertical-align: bottom;" valign="bottom"> </td> <td class="cftcurrcell" colspan="1" style="vertical-align: bottom; border-width: medium; border-style: none; border-color: currentcolor;" valign="bottom"> </td> <td class="cftnumcell" colspan="1" style="border-width: medium; border-style: none; border-color: currentcolor; vertical-align: middle;" valign="bottom">3.00%</td> </tr> </table> Fixed Account P1Y 0.01 Fixed Account (for Contracts issued prior to May 31, 2011 and for Contracts issued on or after May 31, 2011 in states where the state regulator has not approved a lower guaranteed interest rate) P1Y 0.03 0000940338 false 2025-12-31 As a percentage of average annual Variable Account Value during the accumulation period. As a percentage of Portfolio assets. As a percentage of the Guaranteed Withdrawal Balance. The Base Contract Expenses are comprised of a Mortality and Expense Risk Charge of 1.25% and an Asset Based Administrative Charge of 0.15%. The current annual charge for the FIVE PlusSM Guaranteed Minimum Withdrawal Benefit is 0.95% multiplied by the Guaranteed Withdrawal Balance (assessed monthly; the monthly rate is 0.079%). The maximum guaranteed net cost of loans (available under section 403(b) TSA Qualified Contract) is 5% annually.  The maximum guaranteed net cost of a loan is the difference between the maximum loan interest charged (8%) and the minimum amount credited to the loan account (3%). The portfolio expenses used to prepare this table were provided to Kansas City Life by the Fund(s) or their investment advisers.  The expenses shown are those incurred for the year ended December 31, 2025.  Current or future expenses may be greater or less than those shown.  If required by applicable law, Kansas City Life may deduct any redemption fees imposed by the Funds. We will waive the annual administration fee if Contract Value is equal to or greater than $50,000 at the beginning of the applicable Contract Year. We do not deduct a charge for sales expenses from the premium at the time it is paid.  However, we may deduct a surrender charge when the premium is withdrawn upon a surrender or partial surrender or applied to certain annuity options during the first eight Contract Years.  The surrender charge is calculated as a percentage of the premium payment being withdrawn or annuitized during the applicable Contract Year.  The amount of the surrender charge decreases over time.  The surrender charge percentages are shown below. See “PRINCIPAL RISKS OF INVESTING IN THE CONTRACT – Defined Outcome Funds Risks” in the prospectus and the prospectuses for the Funds for a description of the risks associated with investing in the Invesco V.I. S&P 500 Buffer Funds. The Company reserves the right to shorten the period the interest rate applies to less than one year, except for the year in which such amount is received or transferred. Denotes Fund Portfolio and their investment adviser have entered into temporary expense reimbursements and/or fee waivers. See the prospectus for the Fund Portfolio for further information.