AdvisorFlex VA MDRP Maximum Anniversary Death Benefit Annuity Income Payments Automatic Asset Rebalancing Dollar Cost Averaging Systematic Partial Surrenders Ten Percent Free Surrender Confinement of the Owner in a Hospital Nursing Home or Hospice Terminal Illness American Funds IS Global Growth Portfolio - Class 1 American Funds IS Growth-Income Portfolio - Class 1 American Funds IS International Portfolio - Class 1 BlackRock Total Return V.I. Portfolio - Class I Dimensonal VA International Small Portfolio - Institutional Class Dimensional VA U.S. Targeted Value Portfolio - Institutional Class Fidelity VIP Emerging Markets Portfolio - Initial Class Fidelity VIP International Capital Appreciation - Initial Class Fidelity VIP Value Portfolio - Initial Class Janus Henderson Enterprise Portfolio - Institutional Shares John Hancock Core Bond Trust Portfolio - Series NAV John Hancock International Equity Index Trust Portfolio - Series NAV John Hancock Strategic Income Opportunities Trust Portfolio - Series NAV MFS VIT II Blended Research Core Equity Portfolio - Initial Class MFS VIT II Corporate Bond - Initial Class MFS VIT II International Intrinsic Equity Portfolio - Initial Class MFS VIT II Technology Portfolio - Initial Class MFS VIT III Global Real Estate Portfolio - Initial Class MFS VIT III Mid Cap Value Portfolio - Initial Class MFS VIT Value Series Portfolio - Initial Class PIMCO VIT Global Bond Opportunities (Unhedged) - Institutional Class PIMCO VIT Emerging Markets Bond Portfolio - Institutional Class PIMCO VIT Long-Term U.S. Government Portfolio - Institutional Class PIMCO VIT Real Return Portfolio - Institutional Class Principal Diversified International - Class 1 Principal Government and High Quality Bond Portfolio Class - 1 Principal SmallCap - Class 1 Templeton Global Bond VIP Portfolio - Class 1 Thrivent All Cap Portfolio Thrivent Conservative Allocation Portfolio Thrivent Dynamic Allocation Portfolio Thrivent Emerging Markets Equity Portfolio Thrivent ESG Index Portfolio Thrivent Global Stock Portfolio Thrivent Healthcare Portfolio Thrivent High Yield Portfolio Thrivent Income Portfolio Thrivent International Equity Portfolio Thrivent International Index Portfolio Thrivent Large Cap Growth Portfolio Thrivent Large Cap Index Portfolio Thrivent Large Cap Value Portfolio Thrivent Mid Cap Growth Portfolio Thrivent Mid Cap Index Portfolio Thrivent Mid Cap Stock Portfolio Thrivent Mid Cap Value Portfolio Thrivent Money Market Portfolio Thrivent Multisector Bond Portfolio Thrivent Real Estate Securities Portfolio Thrivent Short-Term Bond Portfolio Thrivent Small Cap Growth Portfolio Thrivent Small Cap Index Portfolio Thrivent Small Cap Stock Portfolio Vanguard VIF PRIMECAP Portfolio Vanguard VIF International Portfolio Vanguard VIF Short-Term Investment-Grade Portfolio Vanguard VIF Small Company Growth Portfolio Vanguard VIF Total Bond Market Index Portfolio Vanguard VIF Total Stock Market Index Portfolio Fixed Account Accelerated Death Benefit for Terminal Illness Rider Spousal Continuation Fixed Account Risk Fees and Charges Possible Adverse Tax Consequences Risks Affecting our Administration of Your Contract Optional benefits Alternatives to the Contract Potentially Harmful Trading Activity Investment Advisor Fees Cybersecurity Risk