FEE TABLE

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.

The first table describes the fees and charges that you will pay at the time 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.

 

TRANSACTION EXPENSES

(1)

The surrender charge is based upon Purchase Payments as of the date each Purchase Payment is applied to the Contract, and decreases over time. The total of surrender charges assessed will not exceed 9% of aggregate Purchase Payments. The surrender charge declines over time. (See “Determining the Surrender Charge.”)

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(2)

Protective Life currently does not charge this Transfer Fee, but reserves the right to do so in the future for each transfer after the first 12 transfers in any Contract Year. We will give written notice thirty (30) days before we impose a Transfer Fee. See “CHARGES AND DEDUCTIONS, Transfer Fee.”

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The next table describes the fees and expenses that you will pay each year during the time that you own the Contract, not including Fund fees and expenses. If you choose to purchase an optional death benefit, you will pay additional charges, as shown below.

 

ANNUAL CONTRACT EXPENSES

Optional Benefit Expenses

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(1)

Includes the annual contract maintenance fee. We will waive the annual contract maintenance fee if your Contract Value or aggregate Purchase Payments, reduced by surrenders and surrender charges, is $100,000 or more. (See “CHARGES AND DEDUCTIONS, Contract Maintenance Fee” in the Prospectus.)

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(2)

Base Contract Expenses include a mortality and expense risk charge equal on an annual basis to 0.90% of the average daily net assets of the Variable Account attributable to your Contract and an administration charge equal on an annual basis to 0.10% of average daily net assets of the Variable Account attributable to your Contract.

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(3)

There are two death benefits available under the Contract: (1) Contract Value Death Benefit; and (2) the Return of Purchase Payments Death Benefit. There is no death benefit fee for the Contract Value Death Benefit. For more information on these death benefit values and fees, and how they are calculated, please see the “DEATH BENEFIT” and “CHARGES AND DEDUCTIONS, Death Benefit Fee” sections of the Prospectus. The Return of Purchase Payments Death Benefit may not be available through your broker-dealer.

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The next table shows the minimum and maximum total operating expenses charged by the Funds that you may pay periodically during the time that you own the Contract. A complete list of Funds available under the Contract, including their annual expenses, can be found in an Appendix to this Prospectus. (See “APPENDIX: INVESTMENT OPTIONS AVAILABLE UNDER THE CONTRACT.”)

 

ANNUAL FUND EXPENSES

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Minimum​

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​

Maximum​

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Annual Fund Expenses before any waivers or expense reimbursements (expenses that are deducted from Fund assets, including management fees, distribution and/or service (12b-1) fees, and other expenses)

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​

​

​

0.34%

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​

​

​

​

5.82%

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Annual Fund Expenses after any waivers or expense reimbursements (1)

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​

​

​

0.34%

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​

​

​

​

5.67%

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(1)

The “Annual Fund Expenses after any waivers or expense reimbursements” line in the above table shows the range of minimum and maximum fees and expenses based on the expenses of all Funds after taking into account contractual fee waiver or expense reimbursement arrangements in place. Those contractual arrangements are designed to reduce total annual Fund operating expenses for Contract Owners and will continue past the current year.

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Example

The following example is intended to help you compare the cost of investing in the Contract with the cost of investing in other variable annuity contracts. The example shows the costs of investing in the Contract, including transaction expenses, the Administrative Expenses, Base Contract Expenses, and both maximum and minimum Annual Fund Expenses. The example also assumes that the Return of Purchase Payments Death Benefit is in effect, and that all Contract Value is allocated to the Variable Account. The example does not reflect transfer fees or premium taxes, which may range up to 3.5% depending on the jurisdiction.

The example assumes that you invest $100,000 in the Contract for the periods indicated. The example also assumes that your investment has a 5% return each year.

1.

If you surrender the Contract at the end of the applicable time period:

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​

​

​

1 year​

​

​

3 years​

​

​

5 years​

​

​

10 years​

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Maximum Fund Expense

​

​

​

$

10,126

​

​

​

​

$

16,979

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​

​

​

$

23,016

​

​

​

​

$

39,536

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​

Minimum Fund Expense

​

​

​

$

8,106

​

​

​

​

$

10,905

​

​

​

​

$

12,761

​

​

​

​

$

18,528

​

​

​

2.

If you annuitize(1) or remain invested in the Contract at the end of the applicable time period:

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​

​

​

1 year​

​

​

3 years​

​

​

5 years​

​

​

10 years​

​

Maximum Fund Expense

​

​

​

$

3,753

​

​

​

​

$

11,388

​

​

​

​

$

19,201

​

​

​

​

$

39,536

​

​

Minimum Fund Expense

​

​

​

$

1,594

​

​

​

​

$

4,940

​

​

​

​

$

8,511

​

​

​

​

$

18,528

​

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Please remember that the example is an illustration and does not guarantee the amount of 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% rate of return assumed in the example.

(1)

You may not annuitize your Contract within 3 years after we accept a Purchase Payment. For more information, see “ANNUITY PAYMENTS, Annuity Date, Changing the Annuity Date.” The death benefit fee does not apply after the Annuity Date.

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PRINCIPAL RISKS OF INVESTING IN THE CONTRACT

Unsuitable as Short-Term Savings Vehicle. The Contract is intended for retirement savings or other long-term investment purposes. It is not suitable as a short-term savings vehicle. This means if you plan to withdraw money or surrender the Contract for short-term needs, it may not be the right investment for you. A charge may be assessed on withdrawals and surrenders, and it could be substantial. Withdrawals may reduce the optional Return of Purchase Payments Death Benefit by more than the amount withdrawn. Please discuss your insurance needs and financial objectives with your financial professional.

Investment Risk. You bear the risk of any decline in the Contract Value of your Contract resulting from the performance of the Funds you have chosen. The Contract Value could decline very significantly, and there is a risk of loss of the entire amount invested. This risk varies with each Fund. This risk could have a significant negative impact on the death benefits and Annuity Options under the Contract. The investment risks are described in the prospectuses for the Funds.

Tax Consequences. Generally all earnings are tax-deferred until withdrawn or until annuity income payments begin. If you purchase the Contract through a tax-qualified plan or IRA, you do not get any additional tax deferred benefit. Distributions (which include surrenders, withdrawals, or payment of death benefits) from non-Qualified Contracts will generally result in taxable income if Contract Value has increased. Distributions from Qualified Contracts will generally result in taxable income even if Contract Value has not increased. All amounts includable in income with respect to the Contract are taxed at ordinary income tax rates. In certain circumstances, a 10% additional tax may also apply if the Owner takes a withdrawal before age 59½. See “Federal Tax Matters.”

Company Risk. An investment in the Contract is subject to the risks related to Protective Life. Any obligations (including under the Guaranteed Account and death benefits), guarantees, or benefits are subject to the claims-paying ability of Protective Life. More information about Protective Life, including its financial strength ratings, is available upon request at no charge by calling us at 1-800-456-6330 or writing to us at the address shown on the cover page of this Prospectus.

Purchase Payment Risk. We reserve the right to refuse any Purchase Payments and to limit your ability to make subsequent Purchase Payments. If we exercise our right to suspend, reject, and/or place limitations on the acceptance of subsequent Purchase Payments, you may be unable to, or limited in your ability to, increase your Contract Value through subsequent Purchase Payments and therefore may limit increases in the death benefits. This could also prevent you from making future contributions to a Qualified Contract, including periodic contributions to an employer-sponsored retirement plan or an IRA. We will also not accept Purchase Payments (i) on or after the earlier of the oldest Owner’s and Annuitant’s 86th birthday or (ii) within 3 years of the Annuity Date. For additional information about Purchase Payments, see “DESCRIPTION OF THE CONTRACT - Purchase Payments” in the Prospectus.

Business Disruption and Cyber-Security Risks. 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 cyber-attacks. 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 Owner information. Such systems failures and cyber-attacks affecting us, the Funds, intermediaries and other affiliated or third-party service providers may adversely affect us and your Contract Value. For instance, systems failures and cyber-attacks may interfere with our processing of Contract transactions, including the processing of orders from our website or with the Funds, impact our ability to calculate Contract Value, 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. Cyber security risks may also impact the issuers of securities in which the Funds invest, which may cause the Funds underlying your Contract to lose value. In addition, the risk of cyber-attacks 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). There can be no assurance that we or the Funds or our service providers will avoid losses affecting your Contract due to cyber-attacks or information security breaches in the future.

We are also exposed to risks related to natural and man-made disasters and catastrophes, such as storms, fires, floods, earthquakes, epidemics, pandemics, malicious acts, and terrorist acts, which could adversely affect our ability to conduct business. A natural or man-made disaster or catastrophe, including a pandemic (such as the coronavirus COVID-19), could affect the ability, or willingness, of our workforce and employees of service providers and third party administrators to perform their job responsibilities. Catastrophic events may negatively affect the computer and other systems on which we rely and may interfere with our processing of Contract-related transactions, including processing

In that regard, the post-death distribution requirements for Qualified Contracts and Non-Qualified Contracts are similar, but there are some significant differences. For a discussion of the post-death distribution requirements for Qualified Contracts, see “QUALIFIED RETIREMENT PLANS, Required Minimum Distributions Upon Your Death.”

The death benefit provisions of this Contract shall be interpreted to comply with the requirements of Section 72(s) of the Code in the case of a Non-Qualified Contract, and Section 401(a)(9) of the Code in the case of a Qualified Contract. We reserve the right to endorse the Contract, as necessary, to conform with regulatory requirements. We will send you a copy of any endorsement containing such Contract modifications.

Please note that any death benefit payment we make in excess of the Variable Account value is subject to our financial strength and claims-paying ability.

Payment of the Death Benefit

The Beneficiary may take the death benefit in one sum immediately, in which event the Contract will terminate. If the death benefit is not taken in one sum immediately, the death benefit will become the new Contract Value as of the end of the Valuation Period during which we receive Due Proof of Death of the Owner, and the entire interest in the Contract must be distributed under one of the following options:

1.

the entire Contract Value must be distributed over the life of the Beneficiary, or over a period not extending beyond the life expectancy of the Beneficiary, with distributions beginning within one year of the Owner’s death, and subject to certain further limits in the case of a Qualified Contract; or,

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2.

the entire Contract Value must be distributed (i) within 5 years of the Owner’s death if the Contract is a Non-Qualified Contract or, in some cases, a Qualified Contract, or (ii) within 10 years of the Owner’s death if the Contract is a Qualified Contract and the 5-year requirement does not apply under applicable federal tax rules.

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The tax rules for Qualified Contracts differ in some material respects from the tax rules for Non-Qualified Contracts, including by limiting the types of beneficiaries who can elect option 1 above and the circumstances in which a 5-year or 10-year distribution requirement will apply. See “QUALIFIED RETIREMENT PLANS, Temporary Rules under the CARES Act and Required Minimum Distributions Upon Your Death.”

If there is more than one Beneficiary, each Beneficiary must submit instructions in Good Order specifying the manner in which the Beneficiary wishes to receive his or her portion of the death benefit, and the value of each Beneficiary’s portion of the claim is established as of date we receive that Beneficiary’s claim. Until the death benefit is fully distributed, however, the undistributed portion of the death benefit will remain invested in accordance with the Owner’s allocation instructions. Accordingly, if we do not receive instructions in Good Order from the Beneficiary (or Beneficiaries) to make an immediate distribution or transfer all or part of the Beneficiary’s portion of the death benefit to the Fixed Account, the value of the portion of the death benefit that remains invested in the Sub-Accounts will be subject the investment performance of the underlying Funds, and may increase or decrease in value.

Automatic Transfers Upon the Death of an Owner. In the event of the Owner’s death, all automatic transfers under the Contract, such as dollar cost averaging, portfolio rebalancing, and Allocation Adjustment will cease upon receipt of Due Proof of Death of the Owner at our Administrative Office. A surviving spouse who elects to continue the Contract and become the new Owner may elect to participate in the dollar cost averaging or portfolio rebalancing program, subject to the requirements governing those programs described in this Prospectus. A surviving spouse who continues the Contract may also elect to participate in the Allocation Adjustment Program. Any Beneficiary who elects to receive payment of the Death Benefit over their lifetime or within 5 or 10 years of the Owner’s death (as applicable under federal tax rules), may elect to participate in the portfolio rebalancing or Allocation Adjustment program, or both, subject to the requirements governing those programs as described in this Prospectus. See “DEATH BENEFIT — Payment of the Death Benefit.”

Continuation of the Contract by a Surviving Spouse

In the case of non-Qualified Contracts and Contracts that are individual retirement annuities within the meaning of Code Section 408(b), if the Beneficiary is the deceased Owner’s spouse, the surviving spouse may elect, in lieu of receiving a death benefit, to continue the Contract and become the new Owner. This election is only available, however, if the deceased Owner’s spouse’s 86th birthday is after the Issue Date and 95th birthday is on or after the Annuity Date then in effect. The Contract will continue with the value of the death benefit having become the new Contract Value as of the end of the Valuation Period during which we received due proof of death. The death benefit is not terminated by a surviving spouse’s continuation of the contract. The surviving spouse may select a new Beneficiary. Upon this spouse’s death, the death benefit may be taken in one sum immediately and the Contract will terminate. If the death benefit is not taken in one sum immediately, the death benefit will become the new Contract Value as of the end of the Valuation Period during which we receive due proof of death and must be distributed to the new Beneficiary according to option (1) or (2), above.

A Contract may be continued by a surviving spouse only once. This benefit will not be available to any subsequent surviving spouse under the continued Contract.

The rights of a Beneficiary under an annuity contract depend in part upon whether the Beneficiary is recognized as a “spouse” under federal tax law. A Beneficiary who is recognized as a spouse is treated more favorably than a Beneficiary who is not a spouse for federal tax purposes. Specifically, a Beneficiary who is the spouse of the deceased Owner may continue the Contract and become the new Owner, as described above. In contrast, a Beneficiary who is not recognized as a spouse of the deceased Owner generally must surrender the Contract within 5 or 10 years of the Owner’s death, or take distributions from the Contract over the Beneficiary’s life or life expectancy, beginning within one year of the deceased Owner’s death, with the applicable rules different depending on whether the Contract is a Non-Qualified Contract or a Qualified Contract.

U.S. Treasury Department regulations provide that for federal tax purposes, the term “spouse” does not include individuals (whether of the opposite sex or the same sex) who have entered into a registered domestic partnership, civil union, or other similar formal relationship that is not denominated as a marriage under the laws of the state where the relationship was entered into, regardless of domicile. In addition, if the Owner and the Beneficiary are no longer married as of the date of death, such individuals are no longer treated as “spouses” for federal tax purposes. As a result, if a Beneficiary of a deceased Owner and the Owner were parties to a civil union or domestic partnership, or if the Beneficiary and the deceased Owner were no longer married as of the date of death, the Beneficiary will be required by federal tax law to take distributions from the Contract in the manner applicable to non-spouse Beneficiaries and will not be able to continue the Contract.

If you have questions concerning your status as a spouse for federal tax purposes and how that status might affect your rights under the Contract, you should consult your legal adviser.

Selecting a Death Benefit

This Contract offers two different death benefits: (1) the Contract Value Death Benefit and (2) the Return of Purchase Payments Death Benefit. The following table summarizes information about the death benefits available under the Contract.

You must determine the type of death benefit you want when you apply for your Contract. You may not change your death benefit selection after your Contract is issued.

The Contract Value Death Benefit is included with your Contract at no additional charge. You may select the optional Return of Purchase Payments Death Benefit for an additional fee.

You should carefully consider each of these death benefits and consult a qualified financial to help you carefully consider the death benefits offered with the Contract, and if you select the Return of Purchase Payments Death Benefit, the relative costs, benefits and risks of the fee options in your particular situation.

Contract Value Death Benefit

The Contract Value Death Benefit will equal the Contract Value.

Optional Return of Purchase Payments Death Benefit

The Return of Purchase Payments Death Benefit will equal the greater of  (1) the Contract Value, or (2) the aggregate Purchase Payments less an adjustment for each withdrawal provided however, that the Return of Purchase Payments Death Benefit will never be more than the Contract Value plus $1,000,000. The adjustment for each withdrawal in item (2) is the amount that reduces the Return of Purchase Payments Death Benefit at the time of the withdrawal in the same proportion that the amount withdrawn, including any associated surrender charges, reduces the Contract Value. If the value of the Return of Purchase Payments Death Benefit is greater than the Contract Value at the time of the withdrawal, the downward adjustment to the death benefit will be larger than the amount withdrawn. See Appendix: Example of Death Benefit Calculations for an example of the calculation of the Return of Purchase Payments Death Benefit.

It is possible that, at the time of an Owner’s death, the Return of Purchase Payments Death Benefit will be no greater than the Contract Value Death Benefit, for which we do not assess a fee. You should consult a financial advisor to carefully consider this possibility and the cost of the Return of Purchase Payments Death Benefit before you decide whether the Return of Purchase Payments Death Benefit is right for you.

Return of Purchase Payments Death Benefit Fee

We assess a fee for the Return of Purchase Payments Death Benefit. If you select this death benefit, you must pay a fee based on the value of the death benefit on the day the fee is assessed. This fee is assessed on a monthly basis. (See “CHARGES AND DEDUCTIONS, Death Benefit Fees.”)

Suspension of the Enhanced Value of the Return of Purchase Payments Death Benefit

For a period of one year after any change of ownership involving a natural person, the death benefit will equal the Contract Value, regardless of whether the Return of Purchase Payments Death Benefit option is selected (or purchased). During the one-year suspension period, we will continue to calculate the Return of Purchase Payments Death Benefit; however, if any Owner dies during this period we will only pay the Contract Value as of the end of the Valuation Period during which we receive Due Proof of Death at our Administrative Office. The Company will continue to assess the fee for Return of Purchase Payments Death Benefit during the one-year period of suspension. If death occurs after the one-year period has ended, we will include the value of the Return of Purchase Payments Death Benefit option when calculating the death benefit payable to the beneficiary.

Escheatment of Death Benefit

Every state has unclaimed property laws which generally declare annuity contracts to be abandoned after a period of inactivity of 3 to 5 years from the contract’s annuity commencement date or date the death benefit is due and payable. For example, if the payment of a death benefit has been triggered, but, if after a thorough search, we are still unable to locate the beneficiary of the death benefit, or the beneficiary does not come forward to claim the death benefit in a timely manner, the death benefit will be paid to the abandoned property division or unclaimed property office of the state in which the beneficiary or the Owner last resided, as shown on our books and records, or to our state of domicile. Once the death benefit has been paid or “escheated” to the state, however, your designated beneficiary may submit a claim to the state for payment of those funds. The state is obligated to pay the death benefit (without interest) if your beneficiary steps forward to claim the death benefit with the proper documentation. To prevent such escheatment, it is important that you update your beneficiary designations, including addresses, if and as they change. Such updates should be communicated in writing, by telephone, or other approved electronic means to our Administrative Office.

THE ALLOCATION ADJUSTMENT PROGRAM

Under the Allocation Adjustment Program, we will monitor the performance of each Sub-Account in which you invest other than the Unmonitored Sub-Accounts identified below. If, on any Monthly Anniversary Date, the Accumulation Unit value of a Sub-Account is the same as or drops below a specified level, the Sub-Account will be temporarily “restricted” from allocations of Purchase Payments and Contract Value and we will transfer all existing Contract Value in the Sub-Account to the Invesco® V.I. U.S. Government Money Portfolio Sub-Account. The Sub-Account will remain restricted until the Sub-Account’s Accumulation Unit value is greater than the specified level on a future Monthly Anniversary Date. By participating in this risk-mitigating program, you may be less susceptible to the impact of volatile market fluctuations in the value of Sub-Account Accumulation Units. However, we make no guarantee that this program will protect against loss. Also, this program may limit increases in your Contract Value during periods of growth in the market.

The Allocation Adjustment Program is optional and is available at no additional charge. You must elect whether you will or will not participate in the Allocation Adjustment Program when you purchase the Contract. If you do not indicate your election on your application, we will treat the application as incomplete. If you are enrolled in the Allocation Adjustment Program, you may subsequently suspend your participation in the Program.

Calculating the Simple Moving Average (SMA)

Under the Allocation Adjustment Program, we calculate a 12-month Simple Moving Average (“SMA”) for each Sub-Account on each Monthly Anniversary Date. Each Sub-Account’s SMA is the average Accumulation Unit value for that Sub-Account based on its Accumulation Unit value on the Monthly Anniversary Date and each of the last 11 Monthly Anniversary Dates.

•

For example, assume a Sub-Account’s Accumulation Unit values were $4.19, 3.81, 3.29, 2.98, 3.15, 3.33, 2.94, 3.73, 4.53, 5.35, 5.41, and 5.76 on each of the 12 most recent Monthly Anniversary Dates. Based on these Accumulation Unit values, its SMA on the most recent Monthly Anniversary Dates would be $4.04 (the sum of the 12 most recent Monthly Anniversary Dates’ Accumulation Unit values divided by 12).

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If a Sub-Account has not been in existence for 12 months, we will calculate the SMA using the net asset value of the Fund in which the Sub-Account invests, adjusted for Contract charges and expenses, for each month no Accumulation Unit value is available.

If any Monthly Anniversary Date is not a Valuation Date, we will effect the changes described herein as of the next Valuation Date.

For an example of the Allocation Adjustment Program, please see “Appendix: Example of Allocation Adjustment Program” in this Prospectus.

Restricting Access to a Sub-Account

Once we calculate a Sub-Account’s SMA on a Monthly Anniversary Date, we then compare that SMA to the Sub-Account’s Accumulation Unit value on that Monthly Anniversary Date. If the Sub-Account’s current Accumulation Unit value is equal to or less than the Sub-Account’s SMA on that date, then we will consider the Sub-Account to be temporarily restricted. This means:

•

On that Monthly Anniversary Date, we will transfer any Contract Value you have in the restricted Sub-Account to the Invesco® V.I. U.S. Government Money Portfolio Sub-Account;

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•

You may not allocate Purchase Payments or transfer Contract Value into a restricted Sub-Account;

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•

If we receive instructions from you on or after that Monthly Anniversary Date requesting an allocation or transfer to the restricted Sub-Account, we will allocate or transfer the requested amount to the restricted Sub-Account, and then immediately transfer the amount to the Invesco® V.I. U.S. Government Money Portfolio Sub-Account;

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•

When effecting periodic portfolio rebalancing (if elected), we will “re-balance” your Variable Account value according to your most recent allocation instructions, but will include the Invesco® V.I. U.S. Government Money Portfolio Sub-Account in place of the restricted Sub-Account; and

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•

Any automatic transfers from the DCA Account to the restricted Sub-Account will be redirected to the Invesco® V.I. U.S. Government Money Portfolio Sub-Account.

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You may submit new allocation instructions to allocate additional Purchase Payments, rebalance your Contract Value, and apply automatic DCA transfers to any non-restricted Sub-Accounts.

If you wish to transfer all or part of your Contract Value in the Invesco® V.I. U.S. Government Money Portfolio Sub-Account to an unrestricted Sub-Account, you must submit new allocation instructions. If we receive a transfer request that does not include allocation instructions, then we will consider the request to not be in Good Order and we will not process the transfer. When we receive a transfer request in Good Order, we will effect a one-time reallocation of your Contract Value in accordance with these instructions (in other words, we will allocate your Contract Value among the Investment Options in the percentages you specify). To the extent your new allocation instructions include allocations to a restricted Sub-Account, that portion of your contract value will remain in the Invesco® V.I. U.S. Government Money Portfolio Sub-Account until the Sub-Account is no longer restricted under the Allocation Adjustment Program. Following this reallocation, we will consider these instructions to be the Contract’s allocation instructions, and use them when allocating additional Purchase Payments and rebalancing your Contract Value (if you have elected portfolio rebalancing), unless you submit new allocation instructions.

Restoring Access to a Sub-Account

We will no longer consider a Sub-Account to be restricted when, on a subsequent Monthly Anniversary Date, the Sub-Account’s Accumulation Unit value is greater than its 12-month SMA. When that occurs, we will immediately transfer any Contract Value in the Invesco® V.I. U.S. Government Money Portfolio Sub-Account attributable to the previously restricted Sub-Account back to the previously restricted Sub-Account based on your current allocation percentages. At this time you also may resume allocating Purchase Payments and transferring Contract Value into the previously restricted Sub-Account, and we will resume any automated transactions involving the previously restricted Sub-Account.

Electing the Program

You must elect whether you will or will not participate in the Allocation Adjustment Program when you purchase the Contract. If you do not indicate your election on your application, we will treat the application as incomplete. We will not issue your Contract unless we have this information (see “Issuance of a Contract”). If you elect not to participate in the Allocation Adjustment Program when you purchase your Contract, you may enroll in the Program at any time before the Annuity Date by sending us Written Notice. If you participate in the Allocation Adjustment Program, we will monitor the performance of all Sub-Accounts in which you invest, other than any Unmonitored Sub-Accounts.

Your participation in the program will begin as of the end of the Valuation Period during which we receive your Written Notice to enroll in the program. If that day is a Monthly Anniversary Date, we will compare each Sub-Account’s Accumulation Unit value as of that date to its 12-month SMA as of that date. If that day is not a Monthly Anniversary Date, we will compare each Sub-Account’s Accumulation Unit value to its 12-month SMA as of the most recent prior Monthly Anniversary Date. If necessary, the 12-month SMA calculation will include months that occur prior to the Issue Date. If after making these comparisons we determine that a Sub-Account in which you are currently invested is restricted, we will take the actions described above, including transferring any Contract Value in that Sub-Account to the Invesco® V.I. U.S. Government Money Portfolio Sub-Account.

Note: Investing in Sub-Accounts that experience higher volatility, and therefore more volatile Accumulation Unit values, may increase the likelihood of those Sub-Accounts being restricted from investment. Therefore, the Allocation Adjustment Program may not be consistent with an aggressive investment strategy. You should consult with your registered representative to determine if this program is consistent with your investment objectives.

You should not view the Allocation Adjustment Program as a “market timing” or other type of investment program designed to enhance your earnings under the Contract. If we transfer Contract Value from one or more Sub-Accounts to the Invesco® V.I. U.S. Government Money Portfolio Sub-Account during a market downturn, your Contract Value will not be available to participate in any upside potential if there is a subsequent recovery until the next Monthly Anniversary when the Accumulation Unit Value of the Sub-Account rises above the SMA. Please see “Appendix: Allocation Adjustment Program” in this Prospectus for an example of the Allocation Adjustment Program.

The Allocation Adjustment Program ceases when we receive Due Proof of Death of the Owner at our Administrative Office. This means that we will no longer monitor the performance of the Sub-Accounts, and the Sub-Accounts can no longer be “restricted” from allocations of Contract Value based on the 12-month SMA. When Due Proof of Death is received at our Administrative Office, any Contract Value in the Invesco® V.I. U.S. Government Money Portfolio Sub-Account attributable to a restricted Sub-Account will remain in that Invesco® V.I. U.S. Government Money Portfolio Sub-Account and will not be transferred back to the previously restricted Sub-Account when that Sub-Account is no longer restricted.

We will not assess a transfer charge on transfers made pursuant to the Allocation Adjustment Program or count such transfers towards the 12 transfers allowed each Contract Year without charge. We will provide a written confirmation to you of any transfer or other allocation made pursuant to the Allocation Adjustment Program.

We reserve the right to use a different mathematical model for Contracts we issue in the future. We reserve the right to terminate the Allocation Adjustment Program at any time in our sole discretion by prior written notice.

Unmonitored Sub-Accounts

We determine in our sole discretion whether we will monitor the performance of a Sub-Account under the Allocation Adjustment Program. We currently do not monitor the following Sub-Accounts:

Invesco® V.I. Government Securities Fund

Invesco® V.I. U.S. Government Money Portfolio

Lord Abbett Series Fund - Bond Debenture Portfolio

Lord Abbett Series Fund - Short Duration Income Portfolio

MFS® VIT Total Return Bond Series

PIMCO VIT Global Diversified Allocation Portfolio

PIMCO VIT Long-Term U.S. Government Portfolio

PIMCO VIT Low Duration Portfolio

PIMCO VIT Real Return Portfolio

PIMCO VIT Short-Term Portfolio

PIMCO VIT Total Return Portfolio

Protective Life Dynamic Allocation Series - Conservative Portfolio

Protective Life Dynamic Allocation Series - Growth Portfolio

Protective Life Dynamic Allocation Series - Moderate Portfolio

Rydex Variable Trust Commodities Strategy Fund

Rydex Variable Trust Inverse Government Long Bond Strategy Fund

Templeton Global Bond VIP Fund

Western Asset Core Plus VIT Portfolio

We may change the list of Unmonitored Sub-Accounts at any time, in our sole discretion. We will provide you with written notice of any such changes.

Suspending Participation in the Program

You may instruct us by Written Notice to suspend your participation in the Allocation Adjustment Program at any time. We will end your participation in the program and remove any restrictions on Sub-Accounts as of the end of the Valuation Period during which we receive your Written Notice. You must provide Written Notice requesting the transfer of any Contract Value in the Invesco® V.I. U.S. Government Money Portfolio Sub-Account to another Investment Option. If you do not provide us with such instructions, any Contract Value allocated to the Invesco® V.I. U.S. Government Money Portfolio Sub-Account on the suspension date will remain there until you instruct us otherwise. You may later elect to begin participating in the Allocation Adjustment Program at any time prior to the Annuity Date if the program is available at that time. We reserve the right to limit the number of times you may begin participating in the Allocation Adjustment Program following suspension.

Termination of the Program

We will terminate your participation in the Allocation Adjustment Program and remove any restrictions on Sub-Accounts upon the earliest of:

1.

the Valuation Date the Contract is surrendered or terminated;

​

2.

the Annuity Date;

​

3.

the Valuation Date a rider that includes an allocation adjustment program is made a part of your Contract; or

​

4.

the Valuation Date we decide to no longer offer the Allocation Adjustment Program.

​

Following termination of the Allocation Adjustment Program, you must provide Written Notice requesting the transfer of any Contract Value in the the Invesco® V.I. U.S. Government Money Portfolio Sub-Account to another Investment Option. If you do not provide us with such instructions, any Contract Value allocated to the Invesco® V.I. U.S. Government Money Portfolio Sub-Account on the termination date will remain there until you instruct us otherwise.

OTHER OPTIONAL BENEFITS

In addition to the death benefits discussed elsewhere in the Prospectus, other optional benefits are available under the Contract. The following table summarizes information about these other benefits.

APPENDIX: INVESTMENT OPTIONS AVAILABLE UNDER THE CONTRACT

The current expenses and performance information below reflects fee and expenses of the Funds, but do not reflect the other fees and expenses that your Contract may charge. Expenses would be higher and performance would be lower if these other charges were included. Each Fund’s past performance is not necessarily an indication of future performance.

​

​

Asset Allocation Type

​

​

​

Portfolio Company - Investment Adviser; Sub- Adviser(s), as applicable

​

​

​

Current Expenses

​

​

​

Average Annual Total Returns (as of 12/31/2025)

​

​

​

1 Year

​

​

​

5 Year

​

​

​

10 Year

​

​

​

​

U.S. Equity

​

​

​

AB Variable Products Series Fund, Inc. - Discovery Value Portfolio - Class B - AllianceBernstein L.P. (5)

​

​

​

1.07%

​

​

​

2.64%

​

​

​

8.48%

​

​

​

8.27%

​

​

​

​

U.S. Equity

​

​

​

AB Variable Products Series Fund, Inc. - Large Cap Growth Portfolio - Class B - AllianceBernstein L.P.(5)

​

​

​

0.90%

​

​

​

12.85%

​

​

​

11.76%

​

​

​

15.88%

​

​

​

​

U.S. Equity

​

​

​

AB Variable Products Series Fund, Inc. - Relative Value Portfolio - Class B - AllianceBernstein L.P.(5)

​

​

​

0.85%

​

​

​

10.20%

​

​

​

11.15%

​

​

​

10.30%

​

​

​

​

U.S. Equity

​

​

​

AB Variable Products Series Fund, Inc. - Small Cap Growth Portfolio - Class B - AllianceBernstein L.P.(1)(5)

​

​

​

1.15%

​

​

​

4.45%

​

​

​

-0.69%

​

​

​

10.99%

​

​

​

​

Allocation

​

​

​

American Funds Insurance Series® Asset Allocation Fund - Class 4 - Capital Research and Management Company

​

​

​

0.79%

​

​

​

15.59%

​

​

​

8.70%

​

​

​

9.50%

​

​

​

​

Allocation

​

​

​

American Funds Insurance Series® Capital Income Builder® - Class 4 - Capital Research and Management Company(1)

​

​

​

0.77%

​

​

​

20.16%

​

​

​

8.82%

​

​

​

7.32%

​

​

​

​

International Equity

​

​

​

American Funds Insurance Series® Capital World Growth and Income Fund® - Class 4 - Capital Research and Management Company(1)

​

​

​

0.91%

​

​

​

24.46%

​

​

​

10.01%

​

​

​

10.74%

​

​

​

​

International Equity

​

​

​

American Funds Insurance Series® Global Growth Fund - Class 4 - Capital Research and Management Company(1)(5)

​

​

​

0.90%

​

​

​

21.34%

​

​

​

7.97%

​

​

​

11.89%

​

​

​

​

U.S. Equity

​

​

​

American Funds Insurance Series® Growth Fund - Class 4 - Capital Research and Management Company(5)

​

​

​

0.83%

​

​

​

19.93%

​

​

​

13.09%

​

​

​

17.67%

​

​

​

​

U.S. Equity

​

​

​

American Funds Insurance Series® Growth-Income Fund - Class 4 - Capital Research and Management Company

​

​

​

0.78%

​

​

​

17.77%

​

​

​

13.62%

​

​

​

13.63%

​

​

​

​

Taxable Bond

​

​

​

American Funds Insurance Series® The Bond Fund of America® - Class 4 - Capital Research and Management Company(1)

​

​

​

0.72%

​

​

​

6.98%

​

​

​

-0.38%

​

​

​

2.11%

​

​

​

​

Taxable Bond

​

​

​

American Funds Insurance Series® U.S. Government Securities Fund® - Class 4 - Capital Research and Management Company(1)

​

​

​

0.75%

​

​

​

7.54%

​

​

​

-0.49%

​

​

​

1.45%

​

​

​

​

Allocation

​

​

​

BlackRock 60/40 Target Allocation ETF V.I. Fund - Class III(1)(5)

​

​

​

0.58%

​

​

​

15.37%

​

​

​

7.05%

​

​

​

8.45%

​

​

​

​

Allocation

​

​

​

BlackRock Global Allocation V.I. Fund - Class III (1)(5)

​

​

​

1.01%

​

​

​

19.42%

​

​

​

5.51%

​

​

​

7.33%

​

​

​

​

U.S. Equity

​

​

​

ClearBridge Variable Mid Cap Portfolio - Class II - Franklin Templeton Fund Adviser, LLC(5)(6)

​

​

​

1.07%

​

​

​

4.08%

​

​

​

4.23%

​

​

​

7.24%

​

​

​

​

U.S. Equity

​

​

​

ClearBridge Variable Small Cap Growth Portfolio - Class II - Franklin Templeton Fund Adviser, LLC(5)

​

​

​

1.06%

​

​

​

8.97%

​

​

​

-0.42%

​

​

​

9.11%

​

​

​

​

Allocation

​

​

​

Columbia Variable Portfolio - Balanced Fund - Class 2(5)

​

​

​

1.00%

​

​

​

13.75%

​

​

​

8.45%

​

​

​

9.48%

​

​

​

​

Taxable Bond

​

​

​

Columbia Variable Portfolio - Intermediate Bond Fund - Class 2

​

​

​

0.77%

​

​

​

8.84%

​

​

​

-0.68%

​

​

​

2.52%

​

​

​

​

Asset Allocation Type

​

​

​

Portfolio Company - Investment Adviser; Sub- Adviser(s), as applicable

​

​

​

Current Expenses

​

​

​

Average Annual Total Returns (as of 12/31/2025)

​

​

​

1 Year

​

​

​

5 Year

​

​

​

10 Year

​

​

​

​

Taxable Bond

​

​

​

Columbia Variable Portfolio - Select Short Corporate Income Fund - Class 2 (formerly, Columbia Variable Portfolio-Limited Duration Credit Fund)(1)

​

​

​

0.66%

​

​

​

6.00%

​

​

​

1.90%

​

​

​

2.94%

​

​

​

​

U.S. Equity

​

​

​

Columbia Variable Portfolio - Select Mid Cap Value Fund - Class 2(1)(5)

​

​

​

1.07%

​

​

​

13.87%

​

​

​

10.90%

​

​

​

10.17%

​

​

​

​

Taxable Bond

​

​

​

Columbia Variable Portfolio - Strategic Income Fund - Class 2(1)(5)

​

​

​

0.94%

​

​

​

6.88%

​

​

​

1.87%

​

​

​

3.99%

​

​

​

​

Allocation

​

​

​

Fidelity® VIP Asset Manager 50% Portfolio - Service Class 2 - FMR Investment Management (UK) Limited; Fidelity Management & Research (Japan) Limited; Fidelity Management & Research (Hong Kong) Limited(1)(5)

​

​

​

0.76%

​

​

​

14.72%

​

​

​

5.41%

​

​

​

6.87%

​

​

​

​

Allocation

​

​

​

Fidelity® VIP Balanced Portfolio - Service Class 2 - FMR Investment Management (UK) Limited; Fidelity Management & Research (Japan) Limited; Fidelity Management & Research (Hong Kong) Limited(5)

​

​

​

0.66%

​

​

​

14.96%

​

​

​

9.24%

​

​

​

10.84%

​

​

​

​

U.S. Equity

​

​

​

Fidelity® VIP Contrafund® Portfolio - Service Class 2 - FMR Investment Management (UK) Limited; Fidelity Management & Research (Japan) Limited; Fidelity Management & Research (Hong Kong) Limited(5)

​

​

​

0.79%

​

​

​

21.24%

​

​

​

15.08%

​

​

​

15.49%

​

​

​

​

Sector Equity

​

​

​

Fidelity® VIP Energy Portfolio - Service Class 2 - FMR Investment Management (UK) Limited; Fidelity Management & Research (Japan) Limited; Fidelity Management & Research (Hong Kong) Limited(5)

​

​

​

0.85%

​

​

​

10.34%

​

​

​

23.86%

​

​

​

7.69%

​

​

​

​

Allocation

​

​

​

Fidelity® VIP FundsManager 20% Portfolio - Service Class 2(1)

​

​

​

0.62%

​

​

​

9.03%

​

​

​

3.00%

​

​

​

4.08%

​

​

​

​

Allocation

​

​

​

Fidelity® VIP FundsManager 85% Portfolio - Service Class 2(1)(5)

​

​

​

0.83%

​

​

​

19.26%

​

​

​

8.93%

​

​

​

10.34%

​

​

​

​

Sector Equity

​

​

​

Fidelity® VIP Health Care Portfolio - Service Class 2 - FMR Investment Management (UK) Limited; Fidelity Management & Research (Japan) Limited; Fidelity Management & Research (Hong Kong) Limited(5)

​

​

​

0.84%

​

​

​

14.10%

​

​

​

3.92%

​

​

​

_

​

​

​

​

U.S. Equity

​

​

​

Fidelity® VIP Index 500 Portfolio - Service Class 2 - Geode Capital Management, LLC(5)

​

​

​

0.34%

​

​

​

17.48%

​

​

​

14.03%

​

​

​

14.42%

​

​

​

​

Taxable Bond

​

​

​

Fidelity® VIP Investment Grade Bond Portfolio - Service Class 2 - FMR Investment Management (UK) Limited; Fidelity Management & Research (Japan) Limited; Fidelity Management & Research (Hong Kong) Limited

​

​

​

0.62%

​

​

​

6.93%

​

​

​

-0.21%

​

​

​

2.45%

​

​

​

​

U.S. Equity

​

​

​

Fidelity® VIP Mid Cap Portfolio - Service Class 2 - FMR Investment Management (UK) Limited; Fidelity Management & Research (Japan) Limited; Fidelity Management & Research (Hong Kong) Limited(5)

​

​

​

0.80%

​

​

​

11.49%

​

​

​

9.83%

​

​

​

10.31%

​

​

​

​

U.S. Equity

​

​

​

Franklin DynaTech VIP Fund - Class 2(5)

​

​

​

0.88%

​

​

​

18.13%

​

​

​

9.09%

​

​

​

14.08%

​

​

​

​

Allocation

​

​

​

Franklin Income VIP Fund - Class 2(5)

​

​

​

0.72%

​

​

​

12.56%

​

​

​

7.66%

​

​

​

7.30%

​

​

​

​

International Equity

​

​

​

Franklin Mutual Global Discovery VIP Fund - Class 2(4)

​

​

​

1.16%

​

​

​

23.34%

​

​

​

12.00%

​

​

​

8.52%

​

​

​

​

Allocation

​

​

​

Franklin Mutual Shares VIP Fund - Class 2(4)(5)

​

​

​

0.94%

​

​

​

11.52%

​

​

​

9.20%

​

​

​

7.53%

​

​

​

​

U.S. Equity

​

​

​

Franklin Rising Dividends VIP Fund - Class 2(5)

​

​

​

0.89%

​

​

​

11.80%

​

​

​

9.50%

​

​

​

12.10%

​

​

​

​

U.S. Equity

​

​

​

Franklin Small Cap Value VIP Fund - Class 2(1)(5)

​

​

​

0.91%

​

​

​

7.65%

​

​

​

8.86%

​

​

​

9.81%

​

​

​

​

U.S. Equity

​

​

​

Franklin Small-Mid Cap Growth VIP Fund - Class 2(5)

​

​

​

1.09%

​

​

​

2.52%

​

​

​

1.03%

​

​

​

9.89%

​

​

​

​

Taxable Bond

​

​

​

Franklin Strategic Income VIP Fund - Class 2(1)

​

​

​

1.07%

​

​

​

7.24%

​

​

​

1.92%

​

​

​

3.10%

​

​

​

​

Taxable Bond

​

​

​

Franklin U.S. Government Securities VIP Fund - Class 2

​

​

​

0.79%

​

​

​

6.69%

​

​

​

0.02%

​

​

​

1.14%

​

​

​

​

Asset Allocation Type

​

​

​

Portfolio Company - Investment Adviser; Sub- Adviser(s), as applicable

​

​

​

Current Expenses

​

​

​

Average Annual Total Returns (as of 12/31/2025)

​

​

​

1 Year

​

​

​

5 Year

​

​

​

10 Year

​

​

​

​

International Equity

​

​

​

Goldman Sachs VIT International Equity Insights Fund - Service Class(1)(5)

​

​

​

1.06%

​

​

​

38.15%

​

​

​

10.80%

​

​

​

7.96%

​

​

​

​

U.S. Equity

​

​

​

Goldman Sachs VIT Mid Cap Growth Fund - Service Class(1)(5)

​

​

​

0.98%

​

​

​

7.36%

​

​

​

4.67%

​

​

​

11.58%

​

​

​

​

U.S. Equity

​

​

​

Goldman Sachs VIT Mid Cap Value Fund - Service Class(1)(4)(5)

​

​

​

1.06%

​

​

​

9.13%

​

​

​

9.77%

​

​

​

9.75%

​

​

​

​

U.S. Equity

​

​

​

Goldman Sachs VIT Small Cap Equity Insights Fund - Service Class(1)(5)

​

​

​

1.07%

​

​

​

15.82%

​

​

​

10.19%

​

​

​

10.57%

​

​

​

​

U.S. Equity

​

​

​

Goldman Sachs VIT Strategic Growth Fund - Service Class(1)(5)

​

​

​

0.95%

​

​

​

17.58%

​

​

​

12.47%

​

​

​

16.13%

​

​

​

​

Allocation

​

​

​

Goldman Sachs VIT Trend Driven Allocation Fund - Service Class(1)

​

​

​

0.96%

​

​

​

9.89%

​

​

​

5.91%

​

​

​

5.77%

​

​

​

​

Taxable Bond

​

​

​

Guggenheim Variable Funds Trust - Series F (Floating Rate Strategies Series)(1)

​

​

​

1.15%

​

​

​

3.57%

​

​

​

4.56%

​

​

​

4.12%

​

​

​

​

Alternative

​

​

​

Guggenheim Variable Insurance Funds - Guggenheim Alternative Fund - Global Managed Futures Strategy Fund - Security Investors, LLC, operating under Guggenheim Investments(1)

​

​

​

2.18%

​

​

​

3.65%

​

​

​

3.94%

​

​

​

1.27%

​

​

​

​

Alternative

​

​

​

Guggenheim Variable Insurance Funds - Guggenheim Alternative Fund - Multi-Hedge Strategies Fund - Security Investors, LLC, operating under Guggenheim Investments(1)

​

​

​

1.75%

​

​

​

1.25%

​

​

​

1.23%

​

​

​

1.62%

​

​

​

​

U.S. Equity

​

​

​

Invesco® V.I. American Value Fund - Series II(5)

​

​

​

1.14%

​

​

​

20.76%

​

​

​

17.56%

​

​

​

12.01%

​

​

​

​

Allocation

​

​

​

Invesco® V.I. Balanced-Risk Allocation Fund - Series II(1)

​

​

​

1.13%

​

​

​

8.69%

​

​

​

2.27%

​

​

​

4.91%

​

​

​

​

U.S. Equity

​

​

​

Invesco® V.I. Comstock Fund - Series II(5)

​

​

​

1.00%

​

​

​

17.14%

​

​

​

15.14%

​

​

​

11.67%

​

​

​

​

U.S. Equity

​

​

​

Invesco® V.I. Discovery Large Cap Fund - Series II(1)(5)

​

​

​

1.05%

​

​

​

12.53%

​

​

​

11.41%

​

​

​

13.94%

​

​

​

​

U.S. Equity

​

​

​

Invesco® V.I. Discovery Mid Cap Growth Fund - Series II(5)

​

​

​

1.11%

​

​

​

4.53%

​

​

​

3.64%

​

​

​

11.10%

​

​

​

​

Allocation

​

​

​

Invesco® V.I. Equity and Income Fund - Series II(5)

​

​

​

0.82%

​

​

​

12.52%

​

​

​

8.68%

​

​

​

8.64%

​

​

​

​

International Equity

​

​

​

Invesco® V.I. EQV International Equity Fund - Series II(5)

​

​

​

1.15%

​

​

​

16.23%

​

​

​

3.42%

​

​

​

5.95%

​

​

​

​

International Equity

​

​

​

Invesco® V.I. Global Fund - Series II (5)

​

​

​

1.06%

​

​

​

15.02%

​

​

​

7.01%

​

​

​

10.72%

​

​

​

​

Sector Equity

​

​

​

Invesco® V.I. Global Real Estate Fund - Series II(5)

​

​

​

1.27%

​

​

​

7.61%

​

​

​

1.49%

​

​

​

2.18%

​

​

​

​

Taxable Bond

​

​

​

Invesco® V.I. Global Strategic Income Fund - Series II(1)(4)

​

​

​

1.20%

​

​

​

12.75%

​

​

​

1.39%

​

​

​

2.76%

​

​

​

​

Taxable Bond

​

​

​

Invesco® V.I. Government Securities Fund - Series II​

​

​

​

0.95%

​

​

​

6.95%

​

​

​

-0.22%

​

​

​

1.34%

​

​

​

​

U.S. Equity

​

​

​

Invesco® V.I. Growth and Income Fund - Series II(5)

​

​

​

1.00%

​

​

​

15.30%

​

​

​

12.56%

​

​

​

10.46%

​

​

​

​

U.S. Equity

​

​

​

Invesco® V.I. Main Street Fund® - Series II(1)(5)

​

​

​

1.05%

​

​

​

15.64%

​

​

​

12.19%

​

​

​

12.25%

​

​

​

​

U.S. Equity

​

​

​

Invesco® V.I. Main Street Small Cap Fund® - Series II(5)

​

​

​

1.09%

​

​

​

8.44%

​

​

​

8.07%

​

​

​

10.31%

​

​

​

​

U.S. Equity

​

​

​

Invesco® V.I. Small Cap Equity Fund - Series II(5)

​

​

​

1.21%

​

​

​

7.83%

​

​

​

7.06%

​

​

​

9.28%

​

​

​

​

Money Market

​

​

​

Invesco® V.I. U.S. Government Money Portfolio - Series I​

​

​

​

0.67%

​

​

​

3.64%

​

​

​

2.80%

​

​

​

1.76%

​

​

​

​

Taxable Bond

​

​

​

Lord Abbett Series Fund - Bond Debenture Portfolio - Class VC

​

​

​

0.98%

​

​

​

8.33%

​

​

​

2.10%

​

​

​

4.72%

​

​

​

​

U.S. Equity

​

​

​

Lord Abbett Series Fund - Dividend Growth Portfolio - Class VC(1)(5)

​

​

​

0.99%

​

​

​

15.98%

​

​

​

12.34%

​

​

​

13.06%

​

​

​

​

U.S. Equity

​

​

​

Lord Abbett Series Fund - Fundamental Equity Portfolio - Class VC(1)(5)

​

​

​

1.08%

​

​

​

14.29%

​

​

​

11.36%

​

​

​

9.75%

​

​

​

​

U.S. Equity

​

​

​

Lord Abbett Series Fund- Growth and Income Portfolio- Class VC(5)

​

​

​

0.93%

​

​

​

17.29%

​

​

​

13.34%

​

​

​

11.12%

​

​

​

​

U.S. Equity

​

​

​

Lord Abbett Series Fund - Growth Opportunities Portfolio - Class VC(5)

​

​

​

1.15%

​

​

​

12.94%

​

​

​

3.23%

​

​

​

10.41%

​

​

​

​

Asset Allocation Type

​

​

​

Portfolio Company - Investment Adviser; Sub- Adviser(s), as applicable

​

​

​

Current Expenses

​

​

​

Average Annual Total Returns (as of 12/31/2025)

​

​

​

1 Year

​

​

​

5 Year

​

​

​

10 Year

​

​

​

​

U.S. Equity

​

​

​

Lord Abbett Series Fund - Mid Cap Stock Portfolio - Class VC(4)(5)

​

​

​

1.15%

​

​

​

7.05%

​

​

​

10.16%

​

​

​

7.98%

​

​

​

​

Taxable Bond

​

​

​

Lord Abbett Series Fund - Short Duration Income Portfolio - Class VC(1)

​

​

​

0.72%

​

​

​

5.90%

​

​

​

2.25%

​

​

​

2.62%

​

​

​

​

U.S. Equity

​

​

​

LVIP ClearBridge Dividend Strategy Fund - Service Class - Lincoln Financial Investments Corporation(1)(5)(6) (formerly, ClearBridge Variable Dividend Strategy Portfolio - Class II)

​

​

​

1.00%

​

​

​

12.46%

​

​

​

11.69%

​

​

​

12.29%

​

​

​

​

U.S. Equity

​

​

​

LVIP ClearBridge Large Cap Growth Fund - Service Class - Lincoln Financial Investments Corporation(1)(5)(6) (formerly, ClearBridge Variable Large Cap Growth Portfolio - Class II)

​

​

​

0.99%

​

​

​

8.35%

​

​

​

10.29%

​

​

​

-

​

​

​

​

U.S. Equity

​

​

​

MFS® VIT Growth Series - Service Class - Massachusetts Financial Services Company(1)(2)(5)

​

​

​

0.98%

​

​

​

11.90%

​

​

​

10.82%

​

​

​

15.31%

​

​

​

​

International Equity

​

​

​

MFS® VIT II Emerging Markets Equity Portfolio - Service Class - Massachusetts Financial Services Company(1)(2)(5)

​

​

​

1.48%

​

​

​

33.35%

​

​

​

4.11%

​

​

​

7.65%

​

​

​

​

International Equity

​

​

​

MFS® VIT II International Intrinsic Equity Value Portfolio - Service Class - Massachusetts Financial Services Company(1)(2)(5) (formerly, MFS® VIT II International Intrinsic Value Portfolio)

​

​

​

1.14%

​

​

​

32.96%

​

​

​

7.02%

​

​

​

9.68%

​

​

​

​

U.S. Equity

​

​

​

MFS® VIT II Massachusetts Investors Growth Stock Portfolio - Service Class - Massachusetts Financial Services Company(1)(2)(5)

​

​

​

0.97%

​

​

​

9.61%

​

​

​

9.74%

​

​

​

13.98%

​

​

​

​

U.S. Equity

​

​

​

MFS® VIT Investors Trust Series - Service Class - Massachusetts Financial Services Company(1)(2)(5)

​

​

​

0.99%

​

​

​

13.32%

​

​

​

11.06%

​

​

​

12.21%

​

​

​

​

U.S. Equity

​

​

​

MFS® VIT New Discovery Series - Service Class - Massachusetts Financial Services Company(1)(2)(5)

​

​

​

1.12%

​

​

​

12.56%

​

​

​

-0.54%

​

​

​

10.46%

​

​

​

​

U.S. Equity

​

​

​

MFS® VIT Research Series - Service Class - Massachusetts Financial Services Company(1)(2)(5)

​

​

​

0.99%

​

​

​

12.57%

​

​

​

10.87%

​

​

​

12.65%

​

​

​

​

Taxable Bond

​

​

​

MFS® VIT Total Return Bond Series - Service Class - Massachusetts Financial Services Company(1)(2)

​

​

​

0.78%

​

​

​

6.94%

​

​

​

-0.09%

​

​

​

2.38%

​

​

​

​

Allocation

​

​

​

MFS® VIT Total Return Series - Service Class - Massachusetts Financial Services Company(1)(2) (5)

​

​

​

0.86%

​

​

​

10.91%

​

​

​

6.16%

​

​

​

7.36%

​

​

​

​

Sector Equity

​

​

​

MFS® VIT Utilities Series - Service Class - Massachusetts Financial Services Company(1)(2) (5)

​

​

​

1.03%

​

​

​

14.76%

​

​

​

7.38%

​

​

​

9.22%

​

​

​

​

U.S. Equity

​

​

​

MFS® VIT Value Series - Service Class - Massachusetts Financial Services Company(1)(2)(5)

​

​

​

0.94%

​

​

​

12.77%

​

​

​

9.69%

​

​

​

9.77%

​

​

​

​

Allocation

​

​

​

PIMCO VIT All Asset Portfolio - Advisor Class - Pacific Investment Management Company LLC Research Affiliates LLC(1)(5)

​

​

​

2.225%

​

​

​

14.19%

​

​

​

5.49%

​

​

​

6.67%

​

​

​

​

Allocation

​

​

​

PIMCO VIT Global Diversified Allocation Portfolio - Advisor Class - Pacific Investment Management Company LLC(1)

​

​

​

1.22%

​

​

​

15.07%

​

​

​

5.23%

​

​

​

6.44%

​

​

​

​

Taxable Bond

​

​

​

PIMCO VIT High Yield Portfolio - Advisor Class - Pacific Investment Management Company LLC(5)

​

​

​

0.91%

​

​

​

8.85%

​

​

​

3.87%

​

​

​

5.47%

​

​

​

​

Taxable Bond

​

​

​

PIMCO VIT Income Portfolio - Advisor Class - Pacific Investment Management Company LLC(5)

​

​

​

1.02%

​

​

​

10.08%

​

​

​

3.31%

​

​

​

-

​

​

​

​

Taxable Bond

​

​

​

PIMCO VIT Long-Term U.S. Government Portfolio - Advisor Class - Pacific Investment Management Company LLC

​

​

​

2.575%

​

​

​

6.04%

​

​

​

-6.91%

​

​

​

-0.09%

​

​

​

​

Taxable Bond

​

​

​

PIMCO VIT Low Duration Portfolio - Advisor Class - Pacific Investment Management Company LLC

​

​

​

0.76%

​

​

​

5.42%

​

​

​

1.47%

​

​

​

1.69%

​

​

​

​

Taxable Bond

​

​

​

PIMCO VIT Real Return Portfolio - Advisor Class - Pacific Investment Management Company LLC

​

​

​

1.49%

​

​

​

7.74%

​

​

​

1.11%

​

​

​

3.11%

​

​

​

​

Taxable Bond

​

​

​

PIMCO VIT Short-Term Portfolio - Advisor Class - Pacific Investment Management Company LLC

​

​

​

0.75%

​

​

​

4.57%

​

​

​

3.14%

​

​

​

2.65%

​

​

​

​

Taxable Bond

​

​

​

PIMCO VIT Total Return Portfolio - Advisor Class - Pacific Investment Management Company LLC

​

​

​

0.83%

​

​

​

8.78%

​

​

​

-0.08%

​

​

​

2.26%

​

​

The following is information for the fixed options currently available under the Contract. We may change the features of the fixed options listed below, offer new fixed options, and terminate existing fixed options. We will provide you with written notice before doing so.

​	Name	​	​	Term	​	​	Minimum Guaranteed Interest Rate				​
​	Fixed Account	​	​	1 Year	​	​	​	​	1%	​	​
​	DCA Account 1	​	​	6 Months	​	​	​	​	1%	​	​
​	DCA Account 2	​	​	12 Months	​	​	​	​	1%	​	​