Scarborough Advantage Variable Annuity Dollar Cost Averaging Option Asset Reallocation Option Systematic Withdrawals Automatic Investment Program Standard Death Benefit - Contract issue Age 76 and Older Standard Death Benefit - Contract Issue Age 75 or Younger Goldman Sachs VIT Small Cap Equity Insights - Institutional Class Goldman Sachs VIT Strategic Growth - Institutional Class Invesco V.I. EQV International Equity - Series I Invesco V.I. Global Real Estate - Series I Janus Henderson VIT Research - Service Class NAA All Cap Value Series NAA Large Cap Value Series NAA SMid-Cap Value Series NAA World Equity Income Series Neuberger Berman Quality Equity Portfolio - Class S PIMCO VIT Real Return - Administrative Class PIMCO VIT Total Return - Administrative Class Rydex VIF Energy Services T. Rowe Price Mid Cap Growth Fixed Account Risk of Investment Loss Short-Term Investment Risk Withdrawal Risk Subaccount Risk Purchase Payment Risk Financial Strength and Claims-Paying Ability Risk Business Disruption and Cybersecurity Risk Tax Consequences Risk