Variable Universal Life Plus Waiver Benefit Additional Purchase Benefit Death Benefit Guarantee Death Benefit Guarantee Premium Suspension Income Plans Exchange for a Fixed Benefit Policy Paid up Insurance Dollar Cost Averaging Portfolio Rebalancing Asset Allocation Models Terminal Illness Benefit Growth Stock Portfolio Focused Appreciation Portfolio Large Cap Core Stock Portfolio Large Cap Blend Portfolio Index 500 Stock Portfolio Large Company Value Portfolio Domestic Equity Portfolio Equity Income Portfolio Mid Cap Growth Stock Portfolio Index 400 Stock Portfolio Mid Cap Value Portfolio Small Cap Growth Stock Portfolio Index 600 Stock Portfolio Small Cap Value Portfolio International Growth Portfolio Research International Core Portfolio International Equity Portfolio Emerging Markets Equity Portfolio Government Money Market Portfolio ShortTerm Bond Portfolio Select Bond Portfolio LongTerm US Government Bond Portfolio Inflation Managed Portfolio High Yield Bond Portfolio MultiSector Bond Portfolio Active Passive Conservative Portfolio Active Passive Balanced Portfolio Active Passive Moderate Portfolio Active Passive Aggressive Portfolio Active Passive Very Aggressive Portfolio American Funds® IS Growth Fund - Class 1A American Funds® IS Global Growth Fund - Class 1A American Funds® IS New World Fund® - Class 1A American Funds® IS The Bond Fund of America® - Class 1A American Funds® IS Capital World Bond Fund® - Class 1A American Funds® IS American High-Income Trust® - Class 1A BlackRock International Index V.I. Fund - Class I BlackRock Total Return V.I. Fund - Class I Cantor Fitzgerald Commodity Return Strategy Portfolio Columbia VP Small Cap Value Discovery Fund - Class 1 Fidelity VIP Mid Cap Portfolio Initial Class Fidelity VIP Contrafund Portfolio Initial Class Fidelity® VIP Value Strategies Portfolio - Initial Class Fidelity® VIP Health Care Portfolio - Initial Class Fidelity® VIP Technology Portfolio - Initial Class Fidelity® VIP Bond Index Portfolio - Initial Class John Hancock Disciplined Value International Trust - Series NAV John Hancock Real Estate Securities Trust - Series NAV John Hancock Strategic Income Opportunities Trust - Series NAV Quality Equity Portfolio US Strategic Equity Fund US Small Cap Equity Fund Global Real Estate Securities Fund International Developed Markets Fund Strategic Bond Fund LifePoints Variable Target Portfolio Series Moderate Strategy Fund LifePoints Variable Target Portfolio Series Balanced Strategy Fund LifePoints Variable Target Portfolio Series Aggressive Strategy Fund LifePoints Variable Target Portfolio Series Equity Aggressive Strategy Fund Federal Deferred Acquisition Cost Changing Death Benefit Options Change in Specified Amount Request for Additional Illustration Expedited Delivery Wire Transfer Policy Debt Underwriting and Issue Selected Monthly Premium Benefit Specified Monthly Charges Option A Death Benefit Option B Death Benefit Option C Death Benefit Risks Associated with Investment Options Policy Lapse Policy for Long Term Protection Insurance Default Risk Policy Loan Risks Limitations on Access to Your Policy Value Adverse Tax Consequences Risk of an Increase in Current Fees and Expenses Cybersecurity and Certain Business Continuity Risks Privacy Risks