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Option) </p><p>The Death Benefit for this option remains level, but in limited situations will vary. The Death Benefit is the greater of the Face Amount, or the Death Benefit factor multiplied by Accumulated Value. If you keep your Contract in force for several years and your Accumulated Value continues to increase, your Death Benefit may be increased by a Death Benefit factor. This factor helps to ensure that your Death Benefit is large enough relative to Accumulated Value to assure the Contract will qualify as life insurance under federal tax law. The Death Benefit factor depends upon your Attained Age. If the CVAT is used to satisfy the tax definition, then the death benefit factor will also depend on the Insured's sex (in most states) and risk class. Your Contract includes a Table of Death Benefit Factors. </p><p>You should consider the Level Death Benefit Option if: </p><p>you do not expect your insurance needs to generally increase; or </p><p>you would like to minimize your insurance costs. </p><p>In general, the Level Death Benefit Option provides greater growth potential in Accumulated Value than the Variable Death Benefit Option. By choosing the Level Death Benefit Option, any increases in Accumulated Value reduce the actual risk amount and lower your cost of insurance. </p> <p> <b></b>Option 2 (Variable Death Benefit Option)</p><p>The Variable Death Benefit Option provides a Death Benefit that varies over time. The Death Benefit will be the greater of the Face Amount plus Accumulated Value, or the Death Benefit factor (described above) multiplied by Accumulated Value. The Death Benefit fluctuates correspondingly with your Accumulated Value. </p><p>You should consider the Variable Death Benefit Option if: </p><p>you expect your insurance needs to increase, or </p><p>you would like to have the potential for an increasing death benefit. </p><p>In general, the variable option provides the potential for a greater death benefit than the level option.</p> <p> <b></b>Guaranteed Increase Option (Optional)</p><p>A Contract is issued to an Insured at age 12, with an initial Face Amount of $25,000 and a GIO rider of $25,000. The Insured's risk class at issue is Standard Nontobacco, so all GIO increases will be at this risk class, with no additional underwriting. In this example, the Owner accepts the GIO at the option dates at the times that the Insured is ages 22, 25 and 28. The Face Amount in total is then $100,000 after these increases (initial $25,000 + 3 increases of $25,000 each). At age 30, the Insured uses a special option at the time of marriage, bringing the total Face Amount to $125,000. The next Option at age 31 is skipped, and the Owner declines the Option at ages 34 and 37. The Options are accepted at ages 40, 43, 46 and 49. With these 4 increases of $25,000 each, the total Face Amount is $225,000 after the last increase, and the GIO expires.</p> <p> <b></b>Disability Waiver of Monthly Deductions (Optional)</p><p>A Contract is issued to an Insured at age 45, with a Face Amount of $250,000 and the Disability Waiver of Monthly Deduction rider is elected. The Insured is underwritten and given Preferred Nontobacco risk class on the base coverage and standard rating on the waiver. The charges for the waiver benefit are included in the monthly deductions collected for the next several years. At the Insured's age 52, the Insured is injured in an accident on April 1^st and is unable to work. The Insured submits a waiver claim, which is reviewed and approved, effective October 1^st (6 months after disability). The Accumulated Value of the Contract is incremented by the amount of the monthly deductions for those 6 months, and monthly deductions are waived from that date forward. The Insured submits regular proof of his disability. After 18 months of waived deductions, the Insured recovers sufficiently to begin a new occupation. The monthly deductions begin again after his recovery.</p> <p> <b></b>Accelerated Death Benefits for Terminal Illness Rider (Standard)</p><p>A Contract is issued to an Insured at age 45, with a Face Amount of $250,000 and the Accelerated Death Benefit rider is automatically included. There is no charge for including this rider. The Contract continues for several years, with regular scheduled payments made and monthly deductions collected. When the Insured is age 68, he is diagnosed with a terminal illness. A claim is submitted to accelerate the entire death benefit, to pay for his medical care. The claim processing includes obtaining a certification from a qualified physician, which indicates that the Insured's diagnosis is terminal and his life expectancy is 24 months or less. A calculation is made to determine the present value of the death benefit, less a $150 processing fee. The Contract is terminated when that accelerated payment is made.</p> The [ls:percentofpremiumcharge]Percent of Premium Charge[le] may not be deducted in certain situations. We are not currently subject to premium taxes. However, we reserve the right to impose a charge for these taxes in the future if we have to pay them. If imposed, the premium tax charge would be between 0% and 5% of premium payments. ⁴ The charge applies to each Subaccount transfer in excess of the first twelve transfers made in a [ls:contractyear]Contract Year[le]. ⁵ The charge may vary by state and may be lower in some states. <p> ⁶ Cost of insurance charges depend on the [ls:insured]Insured's[le] [ls:issueage]Issue Age[le], sex (in most states), risk amount, [ls:faceamount]Face Amount[le], risk class and duration of the [ls:contract]Contract[le]. The Cost of Insurance Charge shown may not be representative of the charge that you will pay.</p><p> ⁷ For more information on the calculation of this charge see Charges.</p> ⁸ Actual current charge is less. For more information on the calculation of this charge see <i>Charges</i>. ⁹ The charge applies for the first 180 months after issue and the first 180 months after an increase in [ls:faceamount]Face Amount[le]. See Charges. ¹⁰ Charge for adults (issue age 18+) is $9.00 per month. For juvenile (issue age 0-17) [ls:contract]Contracts[le], the charge is $7.50 per month. ¹¹ The maximum net interest charged on [ls:debt]Debt[le] is 4.0%. The gross annual interest rate charged on [ls:debt]Debt[le] is 6.0% and for amounts that are transferred as collateral to the [ls:loanaccount]Loan Account[le] we pay a minimum effective annual rate of 2.0%. We may pay a rate greater than 2.0%. <p> ¹² Charges for [ls:additionalbenefits]Additional Benefits[le] vary based on [ls:attainedage]Attained Age[le] or [ls:issueage]Issue Age[le], sex (in most states), risk class, [ls:faceamount]Face Amount[le], risk amount, or rider coverage amount. Charges based on age may increase as the [ls:insured]Insured[le] ages. The charges noted apply if the rider is included in your [ls:contract]Contract[le] and the [ls:contract]Contract[le] and/or rider has not otherwise terminated. Before you purchase a [ls:contract]Contract[le], we will provide you a free personalized illustration of your future benefits under the [ls:contract]Contract[le].</p><p> ¹³ The charge applies until [ls:insured]Insured's[le] [ls:attainedage]Attained Age[le] 65. Monthly deductions include cost of insurance charge, benefit rider charges, basic monthly charge, monthly unit charge, and mortality and expense risk charge.</p> ¹⁴ The charge applies until the first rider anniversary on or after [ls:insured]Insured's[le] age 49. 0001039305 false 0.0400 1.9550 0.0480 2026-04-29 N-6 N-6 THRIVENT VARIABLE LIFE ACCOUNT I <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:540pt;table-layout:auto;"> <tr style="height:36.5pt;"> <td colspan="4" style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:446.05pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:2.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">FEES AND EXPENSES</span></div></div></td> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:93.95pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:6pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Location in</span></div> <div style="margin-left:2.75pt;margin-right:6pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Statutory</span></div> <div style="margin-left:2.75pt;margin-right:6pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Prospectus</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:540pt;table-layout:auto;"> <tr style="height:109pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;vertical-align:Top;width:91.73pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:2.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Charges for Early </span></div> <div style="margin-left:6pt;margin-right:2.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Withdrawals</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;vertical-align:Top;width:354.32pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">A </span><a href="#decreasecharge_3a50310b-ac21-4347-9b65-1a741e4da9c7"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Decrease Charge</span></a><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> (early withdrawal charge) may be assessed upon </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">surrender, lapse or any decrease in the </span><a href="#faceamount_a8749c30-2907-4f44-b044-af3c0f430f3d"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Face Amount</span></a><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">. A </span><a href="#decreasecharge_3a50310b-ac21-4347-9b65-1a741e4da9c7"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Decrease Charge</span></a><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> will </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">be assessed if the </span><a href="#contract_4c6df2ac-32dd-4221-b67e-8854ecc20b06"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Contract</span></a><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> is in the first </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">10</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span><a href="#contractyear_d04d68f9-c30f-4ca7-92ba-eaa6bdd6bc74"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Contract Year</span></a><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">s after the </span><a href="#dateofissue_42b75b31-b816-45d9-b846-b25607741393"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Date of </span></a></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Issue and for 10 years after each increase in </span><a href="#faceamount_a8749c30-2907-4f44-b044-af3c0f430f3d"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Face Amount</span></a><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">. The </span><a href="#decreasecharge_3a50310b-ac21-4347-9b65-1a741e4da9c7"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Decrease </span></a></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Charge will vary depending on the number of years since the </span><a href="#dateofissue_42b75b31-b816-45d9-b846-b25607741393"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Date of Issue</span></a><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">, or </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">the last increase in </span><a href="#faceamount_a8749c30-2907-4f44-b044-af3c0f430f3d"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Face Amount</span></a><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">. The maximum amount that may be charged </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">is $</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">50.18</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> per $1,000 of decrease in </span><a href="#faceamount_a8749c30-2907-4f44-b044-af3c0f430f3d"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Face Amount</span></a><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">. For example, if you make </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">an early withdrawal, you could pay a </span><a href="#decreasecharge_3a50310b-ac21-4347-9b65-1a741e4da9c7"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Decrease Charge</span></a><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> of up to $</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">5,018</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> on a </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">$100,000 decrease.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;vertical-align:Top;width:93.95pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:6pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;">Charges</span></div> <div style="margin-left:2.75pt;margin-right:6pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;">Fee Table</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:540pt;table-layout:auto;"> <tr style="height:61pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;vertical-align:Top;width:91.73pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:2.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Transaction </span></div> <div style="margin-left:6pt;margin-right:2.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Charges</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;vertical-align:Top;width:354.32pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">In addition to </span><a href="#decreasecharge_3a50310b-ac21-4347-9b65-1a741e4da9c7"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Decrease Charge</span></a><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">s (early withdrawal charges), you also may be </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">charged for other transactions such as when you pay a premium, transfer </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">accumulated value between investment options, make more than one partial </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">surrender in a </span><a href="#contractyear_d04d68f9-c30f-4ca7-92ba-eaa6bdd6bc74"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Contract Year</span></a><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> or exercise your Accelerated Death Benefit for </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Terminal Illness Rider.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;vertical-align:Top;width:93.95pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:6pt;text-align:Center;white-space:normal;"><span style="font-family:Arial;font-size:10pt;">Charges</span></div> <div style="margin-left:2.75pt;margin-right:6pt;text-align:Center;white-space:normal;"><span style="font-family:Arial;font-size:10pt;">Fee Table</span></div> <div style="margin-left:2.75pt;margin-right:6pt;text-align:Center;white-space:normal;"> </div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:540pt;table-layout:auto;"> <tr style="height:139pt;"> <td rowspan="3" style="border-right:0.5pt solid #000000;padding-bottom:3pt;vertical-align:Top;width:91.73pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:6pt;margin-right:2.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Ongoing Fees and </span></div> <div style="margin-left:6pt;margin-right:2.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Expenses (annual </span></div> <div style="margin-left:6pt;margin-right:2.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">charges)</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;vertical-align:Top;width:354.32pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">In addition to </span><a href="#decreasecharge_3a50310b-ac21-4347-9b65-1a741e4da9c7"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Decrease Charge</span></a><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">s (early withdrawal charges) and transaction </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">charges, investment in the </span><a href="#contract_4c6df2ac-32dd-4221-b67e-8854ecc20b06"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Contract</span></a><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> is subject to certain ongoing fees and </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">expenses, including fees and expenses covering the cost of insurance under </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">the </span><a href="#contract_4c6df2ac-32dd-4221-b67e-8854ecc20b06"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Contract</span></a><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">, mortality and expense risk charges, monthly unit charges, basic </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">monthly charges, interest on any </span><a href="#debt_3625140a-0e67-453c-b30b-6afd87653c79"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Debt</span></a><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">, and the cost of optional benefits </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">available under the </span><a href="#contract_4c6df2ac-32dd-4221-b67e-8854ecc20b06"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Contract</span></a><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">. Some of these fees and expenses are set based </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">on characteristics of the </span><a href="#insured_b3d078f5-a752-456b-8349-277d36720ff4"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Insured</span></a><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> (e.g. age, sex (in most states), and rating </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">classification). See the specifications page of your </span><a href="#contract_4c6df2ac-32dd-4221-b67e-8854ecc20b06"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Contract</span></a><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> for rates </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">applicable to your </span><a href="#contract_4c6df2ac-32dd-4221-b67e-8854ecc20b06"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Contract</span></a><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">.</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Investors will also bear expenses associated with </span><a href="#portfolio_142de97d-5295-4b78-9ff4-8df8143e1671"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Portfolios</span></a><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> that correspond to </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:normal;"><a href="#subaccount_b81d8c51-c9d0-4959-92f0-688ce29cc428"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Subaccount</span></a><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">s available under the </span><a href="#contract_4c6df2ac-32dd-4221-b67e-8854ecc20b06"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Contract</span></a><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">, as shown in the following table:</span></div></div></td> <td rowspan="3" style="padding-bottom:3pt;vertical-align:Top;width:93.95pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:6pt;text-align:Center;white-space:normal;"><span style="font-family:Arial;font-size:10pt;">Charges</span></div> <div style="margin-left:2.75pt;margin-right:6pt;text-align:Center;white-space:normal;"><span style="font-family:Arial;font-size:10pt;">Fee Table</span></div> <div style="margin-left:2.75pt;margin-right:6pt;text-align:Center;white-space:normal;"><span style="font-family:Arial;font-size:10pt;">Appendix</span></div></div></td></tr> <tr style="height:13pt;"> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:174.16pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:normal;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Annual Fee</span></div></div></td> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:90.08pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:normal;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Minimum</span></div></div></td> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:90.08pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:normal;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Maximum</span></div></div></td></tr> <tr style="height:24.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.625pt;vertical-align:Top;width:174.16pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Annual </span><a href="#portfolio_142de97d-5295-4b78-9ff4-8df8143e1671"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Portfolio</span></a><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> Expenses (deducted </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">from </span><a href="#portfolio_142de97d-5295-4b78-9ff4-8df8143e1671"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Portfolio</span></a><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> assets)</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.625pt;vertical-align:Top;width:90.08pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:normal;"><span style="font-family:Arial;font-size:10pt;">0.22</span><span style="font-family:Arial;font-size:10pt;">%</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:normal;"> </div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.625pt;vertical-align:Top;width:90.08pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:normal;"><span style="font-family:Arial;font-size:10pt;">1.52</span><span style="font-family:Arial;font-size:10pt;">%</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:normal;"> </div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:540pt;table-layout:auto;"> <tr style="height:109pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;vertical-align:Top;width:91.73pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:2.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Charges for Early </span></div> <div style="margin-left:6pt;margin-right:2.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Withdrawals</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;vertical-align:Top;width:354.32pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">A </span><a href="#decreasecharge_3a50310b-ac21-4347-9b65-1a741e4da9c7"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Decrease Charge</span></a><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> (early withdrawal charge) may be assessed upon </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">surrender, lapse or any decrease in the </span><a href="#faceamount_a8749c30-2907-4f44-b044-af3c0f430f3d"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Face Amount</span></a><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">. A </span><a href="#decreasecharge_3a50310b-ac21-4347-9b65-1a741e4da9c7"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Decrease Charge</span></a><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> will </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">be assessed if the </span><a href="#contract_4c6df2ac-32dd-4221-b67e-8854ecc20b06"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Contract</span></a><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> is in the first </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">10</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:12pt;margin-left:0.0pt;"> </span><a href="#contractyear_d04d68f9-c30f-4ca7-92ba-eaa6bdd6bc74"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Contract Year</span></a><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">s after the </span><a href="#dateofissue_42b75b31-b816-45d9-b846-b25607741393"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Date of </span></a></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Issue and for 10 years after each increase in </span><a href="#faceamount_a8749c30-2907-4f44-b044-af3c0f430f3d"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Face Amount</span></a><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">. The </span><a href="#decreasecharge_3a50310b-ac21-4347-9b65-1a741e4da9c7"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Decrease </span></a></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Charge will vary depending on the number of years since the </span><a href="#dateofissue_42b75b31-b816-45d9-b846-b25607741393"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Date of Issue</span></a><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">, or </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">the last increase in </span><a href="#faceamount_a8749c30-2907-4f44-b044-af3c0f430f3d"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Face Amount</span></a><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">. The maximum amount that may be charged </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">is $</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">50.18</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> per $1,000 of decrease in </span><a href="#faceamount_a8749c30-2907-4f44-b044-af3c0f430f3d"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Face Amount</span></a><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">. For example, if you make </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">an early withdrawal, you could pay a </span><a href="#decreasecharge_3a50310b-ac21-4347-9b65-1a741e4da9c7"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Decrease Charge</span></a><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> of up to $</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">5,018</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> on a </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">$100,000 decrease.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;vertical-align:Top;width:93.95pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:6pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;">Charges</span></div> <div style="margin-left:2.75pt;margin-right:6pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;">Fee Table</span></div></div></td></tr></table> 10 0.5018 5018 <table cellpadding="0" cellspacing="0" style="border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:540pt;table-layout:auto;"> <tr style="height:61pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;vertical-align:Top;width:91.73pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:2.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Transaction </span></div> <div style="margin-left:6pt;margin-right:2.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Charges</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;vertical-align:Top;width:354.32pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">In addition to </span><a href="#decreasecharge_3a50310b-ac21-4347-9b65-1a741e4da9c7"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Decrease Charge</span></a><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">s (early withdrawal charges), you also may be </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">charged for other transactions such as when you pay a premium, transfer </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">accumulated value between investment options, make more than one partial </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">surrender in a </span><a href="#contractyear_d04d68f9-c30f-4ca7-92ba-eaa6bdd6bc74"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Contract Year</span></a><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> or exercise your Accelerated Death Benefit for </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Terminal Illness Rider.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;vertical-align:Top;width:93.95pt;"> <div style="line-height:11.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:6pt;text-align:Center;white-space:normal;"><span style="font-family:Arial;font-size:10pt;">Charges</span></div> <div style="margin-left:2.75pt;margin-right:6pt;text-align:Center;white-space:normal;"><span style="font-family:Arial;font-size:10pt;">Fee Table</span></div> <div style="margin-left:2.75pt;margin-right:6pt;text-align:Center;white-space:normal;"> </div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:540pt;table-layout:auto;"> <tr style="height:139pt;"> <td rowspan="3" style="border-right:0.5pt solid #000000;padding-bottom:3pt;vertical-align:Top;width:91.73pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:6pt;margin-right:2.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Ongoing Fees and </span></div> <div style="margin-left:6pt;margin-right:2.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Expenses (annual </span></div> <div style="margin-left:6pt;margin-right:2.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">charges)</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;vertical-align:Top;width:354.32pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">In addition to </span><a href="#decreasecharge_3a50310b-ac21-4347-9b65-1a741e4da9c7"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Decrease Charge</span></a><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">s (early withdrawal charges) and transaction </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">charges, investment in the </span><a href="#contract_4c6df2ac-32dd-4221-b67e-8854ecc20b06"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Contract</span></a><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> is subject to certain ongoing fees and </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">expenses, including fees and expenses covering the cost of insurance under </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">the </span><a href="#contract_4c6df2ac-32dd-4221-b67e-8854ecc20b06"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Contract</span></a><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">, mortality and expense risk charges, monthly unit charges, basic </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">monthly charges, interest on any </span><a href="#debt_3625140a-0e67-453c-b30b-6afd87653c79"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Debt</span></a><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">, and the cost of optional benefits </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">available under the </span><a href="#contract_4c6df2ac-32dd-4221-b67e-8854ecc20b06"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Contract</span></a><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">. Some of these fees and expenses are set based </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">on characteristics of the </span><a href="#insured_b3d078f5-a752-456b-8349-277d36720ff4"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Insured</span></a><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> (e.g. age, sex (in most states), and rating </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">classification). See the specifications page of your </span><a href="#contract_4c6df2ac-32dd-4221-b67e-8854ecc20b06"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Contract</span></a><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> for rates </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">applicable to your </span><a href="#contract_4c6df2ac-32dd-4221-b67e-8854ecc20b06"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Contract</span></a><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">.</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Investors will also bear expenses associated with </span><a href="#portfolio_142de97d-5295-4b78-9ff4-8df8143e1671"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Portfolios</span></a><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> that correspond to </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:normal;"><a href="#subaccount_b81d8c51-c9d0-4959-92f0-688ce29cc428"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Subaccount</span></a><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">s available under the </span><a href="#contract_4c6df2ac-32dd-4221-b67e-8854ecc20b06"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Contract</span></a><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">, as shown in the following table:</span></div></div></td> <td rowspan="3" style="padding-bottom:3pt;vertical-align:Top;width:93.95pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:6pt;text-align:Center;white-space:normal;"><span style="font-family:Arial;font-size:10pt;">Charges</span></div> <div style="margin-left:2.75pt;margin-right:6pt;text-align:Center;white-space:normal;"><span style="font-family:Arial;font-size:10pt;">Fee Table</span></div> <div style="margin-left:2.75pt;margin-right:6pt;text-align:Center;white-space:normal;"><span style="font-family:Arial;font-size:10pt;">Appendix</span></div></div></td></tr> <tr style="height:13pt;"> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:174.16pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:normal;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Annual Fee</span></div></div></td> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:90.08pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:normal;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Minimum</span></div></div></td> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:90.08pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:normal;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Maximum</span></div></div></td></tr> <tr style="height:24.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.625pt;vertical-align:Top;width:174.16pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Annual </span><a href="#portfolio_142de97d-5295-4b78-9ff4-8df8143e1671"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Portfolio</span></a><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> Expenses (deducted </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:normal;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">from </span><a href="#portfolio_142de97d-5295-4b78-9ff4-8df8143e1671"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Portfolio</span></a><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> assets)</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.625pt;vertical-align:Top;width:90.08pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:normal;"><span style="font-family:Arial;font-size:10pt;">0.22</span><span style="font-family:Arial;font-size:10pt;">%</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:normal;"> </div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.625pt;vertical-align:Top;width:90.08pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:normal;"><span style="font-family:Arial;font-size:10pt;">1.52</span><span style="font-family:Arial;font-size:10pt;">%</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:normal;"> </div></div></td></tr></table> 0.0022 0.0152 <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:540pt;"> <tr style="height:40.5pt;"> <td colspan="4" style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:446.05pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">RISKS</span></div></div></td> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Middle;width:93.95pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.00pt;">Location in</span></div> <div style="margin-left:2.75pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Statutory</span></div> <div style="margin-left:2.75pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Prospectus</span></div></div></td></tr> <tr style="height:103pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:91.73pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Risk of Loss</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:354.32pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">You can lose money by investing in this Contract, including loss of your </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">premiums (principal), and your </span><a href="#contract_4c6df2ac-32dd-4221-b67e-8854ecc20b06"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Contract</span></a><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> can lapse without value.</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Additionally, </span><a href="#debt_3625140a-0e67-453c-b30b-6afd87653c79"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Debt</span></a><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> will reduce your </span><a href="#cashsurrendervalue_953a4491-b744-400b-8f16-6e53fec25c14"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Cash Surrender Value</span></a><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">, </span><a href="#deathproceeds_a8b2451c-7cdd-4e3d-bd42-5921d9c6a99d"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Death Proceeds</span></a><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> and </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">the amount of premiums considered to meet the </span><a href="#nolapseguaranteepremium_b2e50484-40ae-47fe-9002-3cbada79f6ac"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">No-Lapse Guarantee </span></a></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Premium requirement. If you surrender the </span><a href="#contract_4c6df2ac-32dd-4221-b67e-8854ecc20b06"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Contract</span></a><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> or allow it to lapse while a </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><a href="#contract_4c6df2ac-32dd-4221-b67e-8854ecc20b06"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Contract</span></a><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> loan is outstanding, the amount of </span><a href="#debt_3625140a-0e67-453c-b30b-6afd87653c79"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Debt</span></a><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">, to the extent it has not </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">previously been taxed, will be considered part of the amount you receive and </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">taxed accordingly. Loans may have tax consequences.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:93.95pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">Principal Risks of </span></div> <div style="margin-left:2.75pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">Investing in the </span></div> <div style="margin-left:2.75pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><a href="#contract_4c6df2ac-32dd-4221-b67e-8854ecc20b06"><span style="color:#000000;font-family:Arial;font-size:10pt;">Contract</span></a></div></div></td></tr> <tr style="height:127pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:91.73pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Not a Short-Term </span></div> <div style="margin-left:6pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Investment</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:354.32pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">This Contract is not designed for short-term investing and is not appropriate </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">for an investor who needs ready access to cash. You should only purchase the </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><a href="#contract_4c6df2ac-32dd-4221-b67e-8854ecc20b06"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Contract</span></a><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> if you have the financial ability to keep it in force for a substantial </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">period of time.</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">The primary reason to buy a life insurance contract is for the </span><a href="#deathbenefit_2dc958c9-2252-4cb0-8e91-97211239fa01"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Death Benefit</span></a><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> it </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">provides in the event of the </span><a href="#insured_b3d078f5-a752-456b-8349-277d36720ff4"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Insured</span></a><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">’s death. You should not purchase the </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><a href="#contract_4c6df2ac-32dd-4221-b67e-8854ecc20b06"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Contract</span></a><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> if you do not need life insurance protection or intend to surrender all </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">or part of the </span><a href="#accumulatedvalue_7562591e-f765-460f-9249-281a6730d23d"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Accumulated Value</span></a><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> in the near future. Surrender charges, </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">expenses, and tax consequences generally make the </span><a href="#contract_4c6df2ac-32dd-4221-b67e-8854ecc20b06"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Contract</span></a><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> unsuitable as a </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">short-term investment.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:93.95pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">Principal Risks of </span></div> <div style="margin-left:2.75pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">Investing in the </span></div> <div style="margin-left:2.75pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><a href="#contract_4c6df2ac-32dd-4221-b67e-8854ecc20b06"><span style="color:#000000;font-family:Arial;font-size:10pt;">Contract</span></a></div></div></td></tr> <tr style="height:139pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:91.73pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Risk Associated </span></div> <div style="margin-left:6pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">with Investment </span></div> <div style="margin-left:6pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Options</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:354.32pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">An investment in this Contract is subject to the risk of poor investment </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">performance of the investment options you choose and can vary depending on </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">the performance of the investment options available under the </span><a href="#contract_4c6df2ac-32dd-4221-b67e-8854ecc20b06"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Contract</span></a><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">.</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Each investment option has its own unique risks.</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">We do not guarantee any money you place in the </span><a href="#subaccount_b81d8c51-c9d0-4959-92f0-688ce29cc428"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Subaccounts</span></a><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">. The value of </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">each </span><a href="#subaccount_b81d8c51-c9d0-4959-92f0-688ce29cc428"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Subaccount</span></a><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> will increase or decrease, depending on the investment </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">performance of the corresponding </span><a href="#portfolio_142de97d-5295-4b78-9ff4-8df8143e1671"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Portfolio</span></a><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> and fees and charges under the </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><a href="#contract_4c6df2ac-32dd-4221-b67e-8854ecc20b06"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Contract</span></a><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">. You could lose some or all of your money.</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">You should review the available </span><a href="#portfolio_142de97d-5295-4b78-9ff4-8df8143e1671"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Portfolio</span></a><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">s’ prospectuses before making an </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">investment decision.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:93.95pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">Principal Risks of </span></div> <div style="margin-left:2.75pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">Investing in the </span></div> <div style="margin-left:2.75pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><a href="#contract_4c6df2ac-32dd-4221-b67e-8854ecc20b06"><span style="color:#000000;font-family:Arial;font-size:10pt;">Contract</span></a></div></div></td></tr> <tr style="height:61pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:91.73pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Insurance </span></div> <div style="margin-left:6pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Company Risks</span></div></div></td> <td colspan="3" style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:354.32pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">An investment in the Contract is subject to risks related to Thrivent, including </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">that any obligations, guarantees, and benefits of the </span><a href="#contract_4c6df2ac-32dd-4221-b67e-8854ecc20b06"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Contract</span></a><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> are subject to </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">the claims-paying ability and financial strength of Thrivent. More information </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">about Thrivent, including its financial strength ratings, is available upon </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">request by calling 1-800-847-4836.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:93.95pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">Principal Risks of </span></div> <div style="margin-left:2.75pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">Investing in the </span></div> <div style="margin-left:2.75pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><a href="#contract_4c6df2ac-32dd-4221-b67e-8854ecc20b06"><span style="color:#000000;font-family:Arial;font-size:10pt;">Contract</span></a></div></div></td></tr> <tr style="height:96.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.625pt;vertical-align:Top;width:91.73pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:6pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Contract Lapse</span></div></div></td> <td colspan="3" style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.625pt;vertical-align:Top;width:354.32pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Your Contract will lapse (that is, terminate without value) if: (1) your monthly </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">deductions are greater than your </span><a href="#cashsurrendervalue_953a4491-b744-400b-8f16-6e53fec25c14"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Cash Surrender Value</span></a><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">; (2) there is not an </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">active </span><a href="#nolapseguarantee_8f1d2e85-0041-4ead-bd79-54533b13d7a7"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">No-Lapse Guarantee</span></a><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">; and (3) payment of the premium to keep the </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><a href="#contract_4c6df2ac-32dd-4221-b67e-8854ecc20b06"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Contract</span></a><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> in force is not paid within the grace period. No </span><a href="#deathbenefit_2dc958c9-2252-4cb0-8e91-97211239fa01"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Death Benefit</span></a><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> will be </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">paid if the </span><a href="#contract_4c6df2ac-32dd-4221-b67e-8854ecc20b06"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Contract</span></a><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> is lapsed. Payment will be required to reinstate the </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><a href="#contract_4c6df2ac-32dd-4221-b67e-8854ecc20b06"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Contract</span></a><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">. We will reinstate a </span><a href="#contract_4c6df2ac-32dd-4221-b67e-8854ecc20b06"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Contract</span></a><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> only if our requirements for </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">reinstatement are satisfied, which may include requiring new proof of </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">insurability of the </span><a href="#insured_b3d078f5-a752-456b-8349-277d36720ff4"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Insured</span></a><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> person.</span></div></div></td> <td style="padding-bottom:3pt;padding-top:1.625pt;vertical-align:Top;width:93.95pt;"> <div style="line-height:10pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">Lapse and</span></div> <div style="margin-left:2.75pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;">Reinstatement</span></div></div></td></tr></table> <span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">You can lose money by investing in this Contract, including loss of your </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">premiums (principal), and your </span><a href="#contract_4c6df2ac-32dd-4221-b67e-8854ecc20b06"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Contract</span></a><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> can lapse without value.</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Additionally, </span><a href="#debt_3625140a-0e67-453c-b30b-6afd87653c79"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Debt</span></a><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> will reduce your </span><a href="#cashsurrendervalue_953a4491-b744-400b-8f16-6e53fec25c14"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Cash Surrender Value</span></a><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">, </span><a href="#deathproceeds_a8b2451c-7cdd-4e3d-bd42-5921d9c6a99d"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Death Proceeds</span></a><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> and </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">the amount of premiums considered to meet the </span><a href="#nolapseguaranteepremium_b2e50484-40ae-47fe-9002-3cbada79f6ac"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">No-Lapse Guarantee </span></a><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Premium requirement. If you surrender the </span><a href="#contract_4c6df2ac-32dd-4221-b67e-8854ecc20b06"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Contract</span></a><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> or allow it to lapse while a </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Contract</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> loan is outstanding, the amount of </span><a href="#debt_3625140a-0e67-453c-b30b-6afd87653c79"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Debt</span></a><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">, to the extent it has not </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">previously been taxed, will be considered part of the amount you receive and </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">taxed accordingly. Loans may have tax consequences.</span> <span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">This Contract is not designed for short-term investing and is not appropriate </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">for an investor who needs ready access to cash. You should only purchase the </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Contract</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> if you have the financial ability to keep it in force for a substantial </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">period of time.</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">The primary reason to buy a life insurance contract is for the </span><a href="#deathbenefit_2dc958c9-2252-4cb0-8e91-97211239fa01"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Death Benefit</span></a><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> it </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">provides in the event of the </span><a href="#insured_b3d078f5-a752-456b-8349-277d36720ff4"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Insured</span></a><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">’s death. You should not purchase the </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Contract</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> if you do not need life insurance protection or intend to surrender all </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">or part of the </span><a href="#accumulatedvalue_7562591e-f765-460f-9249-281a6730d23d"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Accumulated Value</span></a><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> in the near future. Surrender charges, </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">expenses, and tax consequences generally make the </span><a href="#contract_4c6df2ac-32dd-4221-b67e-8854ecc20b06"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Contract</span></a><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> unsuitable as a </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">short-term investment.</span> <span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">An investment in this Contract is subject to the risk of poor investment </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">performance of the investment options you choose and can vary depending on </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">the performance of the investment options available under the </span><a href="#contract_4c6df2ac-32dd-4221-b67e-8854ecc20b06"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Contract</span></a><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">.</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Each investment option has its own unique risks.</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">We do not guarantee any money you place in the </span><a href="#subaccount_b81d8c51-c9d0-4959-92f0-688ce29cc428"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Subaccounts</span></a><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">. The value of </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">each </span><a href="#subaccount_b81d8c51-c9d0-4959-92f0-688ce29cc428"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Subaccount</span></a><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> will increase or decrease, depending on the investment </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">performance of the corresponding </span><a href="#portfolio_142de97d-5295-4b78-9ff4-8df8143e1671"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Portfolio</span></a><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> and fees and charges under the </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Contract</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">. You could lose some or all of your money.</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">You should review the available </span><a href="#portfolio_142de97d-5295-4b78-9ff4-8df8143e1671"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Portfolio</span></a><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">s’ prospectuses before making an </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">investment decision.</span> <span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">An investment in the Contract is subject to risks related to Thrivent, including </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">that any obligations, guarantees, and benefits of the </span><a href="#contract_4c6df2ac-32dd-4221-b67e-8854ecc20b06"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Contract</span></a><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> are subject to </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">the claims-paying ability and financial strength of Thrivent. More information </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">about Thrivent, including its financial strength ratings, is available upon </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">request by calling 1-800-847-4836.</span> <span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Your Contract will lapse (that is, terminate without value) if: (1) your monthly </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">deductions are greater than your </span><a href="#cashsurrendervalue_953a4491-b744-400b-8f16-6e53fec25c14"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Cash Surrender Value</span></a><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">; (2) there is not an </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">active </span><a href="#nolapseguarantee_8f1d2e85-0041-4ead-bd79-54533b13d7a7"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">No-Lapse Guarantee</span></a><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">; and (3) payment of the premium to keep the </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Contract</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> in force is not paid within the grace period. No </span><a href="#deathbenefit_2dc958c9-2252-4cb0-8e91-97211239fa01"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Death Benefit</span></a><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> will be </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">paid if the </span><a href="#contract_4c6df2ac-32dd-4221-b67e-8854ecc20b06"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Contract</span></a><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> is lapsed. Payment will be required to reinstate the </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Contract</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">. We will reinstate a </span><a href="#contract_4c6df2ac-32dd-4221-b67e-8854ecc20b06"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Contract</span></a><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> only if our requirements for </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">reinstatement are satisfied, which may include requiring new proof of </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">insurability of the </span><a href="#insured_b3d078f5-a752-456b-8349-277d36720ff4"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Insured</span></a><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> person.</span> <span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">We place limits on frequent trading.</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">There is a $25 charge for each transfer when you transfer money between </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">investment options in excess of 12 times a year.</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">We reserve the right to add, delete, combine or substitute investment </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Subaccounts</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">.</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">If you elected the Guideline Premium Test (GPT), we reserve the right to not </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">accept any premiums when the </span><a href="#deathbenefit_2dc958c9-2252-4cb0-8e91-97211239fa01"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Death Benefit</span></a><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> is based on the </span><a href="#tableofdeathbenefit_227255ee-393f-4ec0-95d7-9e353c66c358"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Table of Death </span></a><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Benefit Factors or the portion of any premium that would cause the </span><a href="#deathbenefit_2dc958c9-2252-4cb0-8e91-97211239fa01"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Death </span></a><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Benefit to be based on the </span><a href="#tableofdeathbenefit_227255ee-393f-4ec0-95d7-9e353c66c358"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Table of Death Benefit Factors.</span></a><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">If you elected the Cash Value Accumulation Test (CVAT), then prior to </span><a href="#attainedage_caf75f90-1cd7-48e4-8891-62a1a1514ed4"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Attained </span></a><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Age 100 (and at any age in New York issued Contracts), we will not accept </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">premium as described above and at </span><a href="#attainedage_caf75f90-1cd7-48e4-8891-62a1a1514ed4"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Attained Age</span></a><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> 100 and later we reserve the </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">right not to accept premiums as described above.</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">We will also have the right to limit or refund a premium payment or make </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">distributions from the </span><a href="#contract_4c6df2ac-32dd-4221-b67e-8854ecc20b06"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Contract</span></a><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> as necessary to continue to qualify the </span><a href="#contract_4c6df2ac-32dd-4221-b67e-8854ecc20b06"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Contract </span></a><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">as life insurance under federal tax law or to avoid the classification of your </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Contract</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> as a “modified endowment contract” (MEC).</span> <span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Optional benefits may be subject to age and underwriting requirements. We </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">generally deduct any monthly costs for these </span><a href="#additionalbenefits_e95ad0c3-c18b-4179-9766-1f6fd1796eee"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Additional Benefits</span></a><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> from the </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Accumulated Value</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> as part of the monthly deduction. Optional benefits may </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">not be available for all ages or underwriting classes, may not be available after </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">original issue of the </span><a href="#contract_4c6df2ac-32dd-4221-b67e-8854ecc20b06"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Contract</span></a><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> and may terminate at certain ages. We may stop </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">offering an optional benefit at any time prior to the time you elect to add it to </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">your Contract.</span> <span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">You should consult with a tax professional to determine the tax implications of </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">an investment in and payments received under this </span><a href="#contract_4c6df2ac-32dd-4221-b67e-8854ecc20b06"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Contract</span></a><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">.</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Distributions from your </span><a href="#contract_4c6df2ac-32dd-4221-b67e-8854ecc20b06"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Contract</span></a><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">, if taxable, will be taxed at ordinary income tax </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">rates.</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Depending on the total amount of premiums you pay and the frequency of </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">such payments, the </span><a href="#contract_4c6df2ac-32dd-4221-b67e-8854ecc20b06"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Contract</span></a><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> may be treated as a MEC.</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Distributions including loans and loan interest will be taxed on an “income first” </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">basis and may be subject to a penalty tax if taken before you are age 59 </span><span style="color:#000000;font-family:Arial;font-size:6pt;margin-left:0.0pt;position:relative;top:-2.66pt;"> 1</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">∕</span><span style="color:#000000;font-family:Arial;font-size:6pt;margin-left:0.0pt;">2</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> if </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">your </span><a href="#contract_4c6df2ac-32dd-4221-b67e-8854ecc20b06"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Contract</span></a><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> is a MEC.</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">The transfer of the </span><a href="#contract_4c6df2ac-32dd-4221-b67e-8854ecc20b06"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Contract</span></a><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> or designation of a </span><a href="#beneficiary_ff67c2ee-7989-4288-8e01-5b4f3e84738a"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Beneficiary</span></a><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> may have federal, </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">state, and/or local transfer and inheritance tax consequences, including the </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">impositions of gift, estate, and generation skipping transfer taxes.</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Your financial advisor or professional may receive compensation for selling </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">this </span><a href="#contract_4c6df2ac-32dd-4221-b67e-8854ecc20b06"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Contract</span></a><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> to you and ongoing future compensation. This compensation may </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">consist of commissions, bonuses, asset-based compensation, and </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">promotional incentives. This conflict of interest may influence your financial </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">advisor or professional to recommend the purchase of this </span><a href="#contract_4c6df2ac-32dd-4221-b67e-8854ecc20b06"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Contract</span></a><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> as well as </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">continued or larger future investments into this </span><a href="#contract_4c6df2ac-32dd-4221-b67e-8854ecc20b06"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Contract</span></a><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">, or another contract </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">issued by Thrivent, over another investment.</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Some investment professionals may have a financial incentive to offer you a </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">new contract in place of the one you own. You should only exchange your </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">contract if you determine, after comparing the features, fees, and risks of both </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">contracts, that it is better for you to purchase the new contract rather than </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">continue to own your existing contract.</span> <span id="feetable_68a72642-afd3-404e-b3e0-f6a8a64b8651" style="color:#000000;font-family:Times New Roman;font-size:18pt;">Fee Table</span><span style="color:#000000;font-family:Arial;font-size:12pt;font-weight:bold;">Transaction Fees</span><span style="color:#000000;font-family:Arial;font-size:1pt;font-weight:bold;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-collapse:collapse;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:540pt;"> <tr style="border-left:0.1pt hidden;border-right:0.1pt hidden;border-top:0.1pt hidden;height:15pt;"> <td style="padding-bottom:9pt;padding-top:9pt;vertical-align:Bottom;width:180pt;"> <div style="line-height:9pt;text-align:left;"> <div style="margin-left:18pt;margin-right:8.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Charge</span></div></div></td> <td style="padding-bottom:9pt;padding-top:9pt;vertical-align:Bottom;width:180pt;"> <div style="line-height:9pt;text-align:left;"> <div style="margin-left:8.75pt;margin-right:8.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">When Charge is Deducted</span></div></div></td> <td style="padding-bottom:9pt;padding-top:9pt;vertical-align:Bottom;width:180pt;"> <div style="line-height:9pt;text-align:left;"> <div style="margin-left:8.75pt;margin-right:18pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Amount Deducted</span></div></div></td></tr> <tr style="height:35pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.625pt;padding-top:4.625pt;vertical-align:Top;width:180pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:18pt;margin-right:8.75pt;text-align:Left;white-space:nowrap;"><a href="#percentofpremiumcharge_3540d366-45c9-4412-8140-2936d94251bf"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Percent of Premium Charge</span></a></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.625pt;padding-top:4.625pt;vertical-align:Top;width:180pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:8.75pt;margin-right:8.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Upon receipt of each premium </span></div> <div style="margin-left:8.75pt;margin-right:8.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">payment</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:4.625pt;padding-top:4.625pt;vertical-align:Top;width:180pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:8.75pt;margin-right:18pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">5</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">% of each premium payment</span><span style="color:#000000;font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">1</span></div></div></td></tr> <tr style="height:24pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.625pt;padding-top:4.625pt;vertical-align:Top;width:180pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:18pt;margin-right:8.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Premium Tax Charge</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.625pt;padding-top:4.625pt;vertical-align:Top;width:180pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:8.75pt;margin-right:8.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Not currently applicable</span><span style="color:#000000;font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">2</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:4.625pt;padding-top:4.625pt;vertical-align:Top;width:180pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:8.75pt;margin-right:18pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Not currently applicable</span><span style="color:#000000;font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">2</span></div></div></td></tr> <tr style="height:28.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:6pt;padding-top:4.625pt;vertical-align:Top;width:180pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:18pt;margin-right:8.75pt;text-align:Left;white-space:nowrap;"><a href="#decreasecharge_3a50310b-ac21-4347-9b65-1a741e4da9c7"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Decrease Charge</span></a><span style="color:#000000;font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">3</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:6pt;padding-top:4.625pt;vertical-align:Top;width:180pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:8.75pt;margin-right:8.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Upon surrender, lapse, or decrease </span></div> <div style="margin-left:8.75pt;margin-right:8.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">in the </span><a href="#faceamount_a8749c30-2907-4f44-b044-af3c0f430f3d"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Face Amount</span></a></div></div></td> <td style="padding-bottom:6pt;padding-top:4.625pt;vertical-align:Top;width:180pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:8.75pt;margin-right:18pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td></tr></table><span style="color:#000000;font-family:Arial;font-size:5pt;position:relative;top:-3.25pt;">1</span><span style="color:#000000;font-family:Arial;font-size:8pt;"> The </span><a href="#percentofpremiumcharge_3540d366-45c9-4412-8140-2936d94251bf"><span style="color:#000000;font-family:Arial;font-size:8pt;">Percent of Premium Charge</span></a><span style="color:#000000;font-family:Arial;font-size:8pt;"> may not be deducted in certain situations.</span> <div> </div><span style="color:#000000;font-family:Arial;font-size:5pt;position:relative;top:-3.25pt;">2</span><span style="color:#000000;font-family:Arial;font-size:8pt;"> We are not currently subject to premium taxes. However, we reserve the right to impose a charge for these taxes in the future if we have to pay them. If imposed, the premium tax charge would be between 0% and 5% of premium payments.</span> <div> </div><span style="color:#000000;font-family:Arial;font-size:5pt;position:relative;top:-3.25pt;">3</span><span style="color:#000000;font-family:Arial;font-size:8pt;"> The </span><a href="#decreasecharge_3a50310b-ac21-4347-9b65-1a741e4da9c7"><span style="color:#000000;font-family:Arial;font-size:8pt;">Decrease Charge</span></a><span style="color:#000000;font-family:Arial;font-size:8pt;"> applies to each decrease in </span><a href="#faceamount_a8749c30-2907-4f44-b044-af3c0f430f3d"><span style="color:#000000;font-family:Arial;font-size:8pt;">Face Amount</span></a><span style="color:#000000;font-family:Arial;font-size:8pt;"> during the first 10 </span><a href="#contractyear_d04d68f9-c30f-4ca7-92ba-eaa6bdd6bc74"><span style="color:#000000;font-family:Arial;font-size:8pt;">Contract Years</span></a><span style="color:#000000;font-family:Arial;font-size:8pt;"> and during the first 10 years following an increase in </span><a href="#faceamount_a8749c30-2907-4f44-b044-af3c0f430f3d"><span style="color:#000000;font-family:Arial;font-size:8pt;">Face Amount</span></a><span style="color:#000000;font-family:Arial;font-size:8pt;">. The </span><a href="#decreasecharge_3a50310b-ac21-4347-9b65-1a741e4da9c7"><span style="color:#000000;font-family:Arial;font-size:8pt;">Decrease Charge</span></a><span style="color:#000000;font-family:Arial;font-size:8pt;"> remains level for the first five years of the </span><a href="#contract_4c6df2ac-32dd-4221-b67e-8854ecc20b06"><span style="color:#000000;font-family:Arial;font-size:8pt;">Contract</span></a><span style="color:#000000;font-family:Arial;font-size:8pt;"> (or during the first five years following an increase in </span><a href="#faceamount_a8749c30-2907-4f44-b044-af3c0f430f3d"><span style="color:#000000;font-family:Arial;font-size:8pt;">Face </span></a><span style="color:#000000;font-family:Arial;font-size:8pt;">Amount), and then decreases each </span><a href="#contractyear_d04d68f9-c30f-4ca7-92ba-eaa6bdd6bc74"><span style="color:#000000;font-family:Arial;font-size:8pt;">Contract Year</span></a><span style="color:#000000;font-family:Arial;font-size:8pt;"> to zero after year 10 (and to zero after the 10th year following an increase in </span><a href="#faceamount_a8749c30-2907-4f44-b044-af3c0f430f3d"><span style="color:#000000;font-family:Arial;font-size:8pt;">Face Amount</span></a><span style="color:#000000;font-family:Arial;font-size:8pt;">). </span><a href="#decreasecharge_3a50310b-ac21-4347-9b65-1a741e4da9c7"><span style="color:#000000;font-family:Arial;font-size:8pt;">Decrease </span></a><span style="color:#000000;font-family:Arial;font-size:8pt;">Charges depend on the </span><a href="#insured_b3d078f5-a752-456b-8349-277d36720ff4"><span style="color:#000000;font-family:Arial;font-size:8pt;">Insured’s</span></a><span style="color:#000000;font-family:Arial;font-size:8pt;line-height:11pt;"> </span><a href="#issueage_0b9d38df-a5da-4eb0-9690-d48cc26437cd"><span style="color:#000000;font-family:Arial;font-size:8pt;">Issue Age</span></a><span style="color:#000000;font-family:Arial;font-size:8pt;">, sex (in most states), amount of decrease in </span><a href="#faceamount_a8749c30-2907-4f44-b044-af3c0f430f3d"><span style="color:#000000;font-family:Arial;font-size:8pt;">Face Amount</span></a><span style="color:#000000;font-family:Arial;font-size:8pt;">, risk class and duration of the </span><a href="#contract_4c6df2ac-32dd-4221-b67e-8854ecc20b06"><span style="color:#000000;font-family:Arial;font-size:8pt;">Contract</span></a><span style="color:#000000;font-family:Arial;font-size:8pt;">. See Charges.</span><span style="color:#000000;font-family:Times New Roman;font-size:12pt;font-weight:bold;">Transaction Fees, cont.</span> <table cellpadding="0" cellspacing="0" style="border-collapse:collapse;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:540pt;table-layout:auto;"> <tr style="border-left:0.1pt hidden;border-right:0.1pt hidden;border-top:0.1pt hidden;height:15pt;"> <td style="padding-bottom:9pt;padding-top:9pt;vertical-align:Bottom;width:180pt;"> <div style="line-height:9pt;text-align:left;"> <div style="margin-left:18pt;margin-right:8.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Charge</span></div></div></td> <td style="padding-bottom:9pt;padding-top:9pt;vertical-align:Bottom;width:180pt;"> <div style="line-height:9pt;text-align:left;"> <div style="margin-left:8.75pt;margin-right:8.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">When Charge is Deducted</span></div></div></td> <td style="padding-bottom:9pt;padding-top:9pt;vertical-align:Bottom;width:180pt;"> <div style="line-height:9pt;text-align:left;"> <div style="margin-left:8.75pt;margin-right:18pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Amount Deducted</span></div></div></td></tr> <tr style="height:32pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:6pt;padding-top:4.625pt;vertical-align:Top;width:180pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:18pt;margin-right:8.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12.0pt;">Maximum</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:6pt;padding-top:4.625pt;vertical-align:Top;width:180pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:8.75pt;margin-right:8.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td> <td style="padding-bottom:6pt;padding-top:4.625pt;vertical-align:Top;width:180pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:8.75pt;margin-right:18pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">$</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">50.18</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> per $1,000 of decrease in </span></div> <div style="margin-left:8.75pt;margin-right:18pt;text-align:Left;white-space:normal;"><a href="#faceamount_a8749c30-2907-4f44-b044-af3c0f430f3d"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Face Amount</span></a></div></div></td></tr> <tr style="height:29pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:6pt;padding-top:3.125pt;vertical-align:Top;width:180pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:18pt;margin-right:8.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12.0pt;">Minimum</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:6pt;padding-top:3.125pt;vertical-align:Top;width:180pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:8.75pt;margin-right:8.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td> <td style="padding-bottom:6pt;padding-top:3.125pt;vertical-align:Top;width:180pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:8.75pt;margin-right:18pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">$</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">3.70</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> per $1,000 of decrease in </span></div> <div style="margin-left:8.75pt;margin-right:18pt;text-align:Left;white-space:normal;"><a href="#faceamount_a8749c30-2907-4f44-b044-af3c0f430f3d"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Face Amount</span></a></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-collapse:collapse;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:540pt;table-layout:auto;"> <tr style="height:65pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.625pt;vertical-align:Top;width:180pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:18pt;margin-right:8.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12.0pt;">Charge for a male </span><a href="#insured_b3d078f5-a752-456b-8349-277d36720ff4"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Insured</span></a><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">, </span></div> <div style="margin-left:18pt;margin-right:8.75pt;text-align:Left;white-space:normal;"><a href="#issueage_0b9d38df-a5da-4eb0-9690-d48cc26437cd"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12.0pt;">Issue Age</span></a><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> 45, in the standard </span></div> <div style="margin-left:18pt;margin-right:8.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12.0pt;">non-tobacco risk class with a </span></div> <div style="margin-left:18pt;margin-right:8.75pt;text-align:Left;white-space:normal;"><a href="#faceamount_a8749c30-2907-4f44-b044-af3c0f430f3d"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12.0pt;">Face Amount</span></a><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> of $400,000, in </span></div> <div style="margin-left:18pt;margin-right:8.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12.0pt;">the first </span><a href="#contractyear_d04d68f9-c30f-4ca7-92ba-eaa6bdd6bc74"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Contract Year</span></a><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.625pt;vertical-align:Top;width:180pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:8.75pt;margin-right:8.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:4.625pt;vertical-align:Top;width:180pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:8.75pt;margin-right:18pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">$20.30 per $1,000 of decrease in </span></div> <div style="margin-left:8.75pt;margin-right:18pt;text-align:Left;white-space:normal;"><a href="#faceamount_a8749c30-2907-4f44-b044-af3c0f430f3d"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Face Amount</span></a></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-collapse:collapse;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:540pt;table-layout:auto;"> <tr style="height:35pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.625pt;vertical-align:Top;width:180pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:18pt;margin-right:8.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Partial Surrender Charge</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.625pt;vertical-align:Top;width:180pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:8.75pt;margin-right:8.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Upon each partial surrender in </span></div> <div style="margin-left:8.75pt;margin-right:8.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">excess of one per </span><a href="#contractyear_d04d68f9-c30f-4ca7-92ba-eaa6bdd6bc74"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Contract Year</span></a></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:4.625pt;vertical-align:Top;width:180pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:8.75pt;margin-right:18pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">$</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">25</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> per partial surrender</span></div></div></td></tr> <tr style="height:35pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.625pt;padding-top:4.625pt;vertical-align:Top;width:180pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:18pt;margin-right:8.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Transfer Charge</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.625pt;padding-top:4.625pt;vertical-align:Top;width:180pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:8.75pt;margin-right:8.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Upon each transfer after the twelfth </span></div> <div style="margin-left:8.75pt;margin-right:8.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">in a </span><a href="#contractyear_d04d68f9-c30f-4ca7-92ba-eaa6bdd6bc74"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Contract Year</span></a><span style="color:#000000;font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">4</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:4.625pt;padding-top:4.625pt;vertical-align:Top;width:180pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:8.75pt;margin-right:18pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">$</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">25</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> per transfer</span></div></div></td></tr> <tr style="height:17.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:6pt;padding-top:4.625pt;vertical-align:Top;width:180pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:18pt;margin-right:8.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Accelerated Death Benefit</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:6pt;padding-top:4.625pt;vertical-align:Top;width:180pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:8.75pt;margin-right:8.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">On exercise of benefit</span><span style="color:#000000;font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">5</span></div></div></td> <td style="padding-bottom:6pt;padding-top:4.625pt;vertical-align:Top;width:180pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:8.75pt;margin-right:18pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">$</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">150</span></div></div></td></tr></table><span style="font-family:Arial;font-size:5pt;position:relative;top:-3.25pt;">4</span><span style="font-family:Arial;font-size:8pt;"> The charge applies to each Subaccount transfer in excess of the first twelve transfers made in a </span><a href="#contractyear_d04d68f9-c30f-4ca7-92ba-eaa6bdd6bc74"><span style="font-family:Arial;font-size:8pt;">Contract Year</span></a><span style="font-family:Arial;font-size:8pt;">.</span> <div> </div><span style="font-family:Arial;font-size:5pt;position:relative;top:-3.25pt;">5</span><span style="font-family:Arial;font-size:8pt;"> The charge may vary by state and may be lower in some states.</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">The next table describes the fees and expenses that you will pay periodically during the time that you own the </span><a href="#contract_4c6df2ac-32dd-4221-b67e-8854ecc20b06"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Contract</span></a><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">, not including </span><a href="#portfolio_142de97d-5295-4b78-9ff4-8df8143e1671"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Portfolio</span></a><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;"> fees and expenses.</span><span style="color:#000000;font-family:Arial;font-size:12pt;font-weight:bold;">Periodic Charges Other Than Annual </span><a href="#portfolio_142de97d-5295-4b78-9ff4-8df8143e1671"><span style="color:#000000;font-family:Arial;font-size:12pt;font-weight:bold;">Portfolio</span></a><span style="color:#000000;font-family:Arial;font-size:12pt;font-weight:bold;"> Expenses</span><span style="color:#000000;font-family:Arial;font-size:1pt;font-weight:bold;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-collapse:collapse;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:540pt;table-layout:auto;"> <tr style="border-left:0.1pt hidden;border-right:0.1pt hidden;border-top:0.1pt hidden;height:15pt;"> <td style="padding-bottom:9pt;padding-top:9pt;vertical-align:Bottom;width:180pt;"> <div style="line-height:9pt;text-align:left;"> <div style="margin-left:18pt;margin-right:8.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Charge</span></div></div></td> <td style="padding-bottom:9pt;padding-top:9pt;vertical-align:Bottom;width:180pt;"> <div style="line-height:9pt;text-align:left;"> <div style="margin-left:8.75pt;margin-right:8.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">When Charge is Deducted</span></div></div></td> <td style="padding-bottom:9pt;padding-top:9pt;vertical-align:Bottom;width:180pt;"> <div style="line-height:9pt;text-align:left;"> <div style="margin-left:8.75pt;margin-right:18pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Amount Deducted</span></div></div></td></tr> <tr style="height:35pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:9pt;padding-top:4.625pt;vertical-align:Top;width:180pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:18pt;margin-right:8.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Cost of Insurance Charge</span><span style="color:#000000;font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">6</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:9pt;padding-top:4.625pt;vertical-align:Top;width:180pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:8.75pt;margin-right:8.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">On Date of Issue and monthly </span></div> <div style="margin-left:8.75pt;margin-right:8.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">thereafter</span></div></div></td> <td style="padding-bottom:9pt;padding-top:4.625pt;vertical-align:Top;width:180pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:8.75pt;margin-right:18pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td></tr> <tr style="height:32pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:6pt;padding-top:4.625pt;vertical-align:Top;width:180pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:18pt;margin-right:8.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12.0pt;">Maximum Charge</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:6pt;padding-top:4.625pt;vertical-align:Top;width:180pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:8.75pt;margin-right:8.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td> <td style="padding-bottom:6pt;padding-top:4.625pt;vertical-align:Top;width:180pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:8.75pt;margin-right:18pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">$</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">83.3333</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> per $1,000 of risk </span></div> <div style="margin-left:8.75pt;margin-right:18pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">amount</span><span style="color:#000000;font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">7</span></div></div></td></tr> <tr style="height:29pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:6pt;padding-top:3.125pt;vertical-align:Top;width:180pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:18pt;margin-right:8.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12.0pt;">Minimum Charge</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:6pt;padding-top:3.125pt;vertical-align:Top;width:180pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:8.75pt;margin-right:8.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td> <td style="padding-bottom:6pt;padding-top:3.125pt;vertical-align:Top;width:180pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:8.75pt;margin-right:18pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">$</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">0.0058</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> per $1,000 of risk </span></div> <div style="margin-left:8.75pt;margin-right:18pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">amount</span><span style="color:#000000;font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">7</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-collapse:collapse;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:540pt;table-layout:auto;"> <tr style="height:65pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.625pt;vertical-align:Top;width:180pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:18pt;margin-right:8.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12.0pt;">Charge for a male </span><a href="#insured_b3d078f5-a752-456b-8349-277d36720ff4"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Insured</span></a><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">, </span></div> <div style="margin-left:18pt;margin-right:8.75pt;text-align:Left;white-space:normal;"><a href="#issueage_0b9d38df-a5da-4eb0-9690-d48cc26437cd"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12.0pt;">Issue Age</span></a><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> 45, in the standard </span></div> <div style="margin-left:18pt;margin-right:8.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12.0pt;">non-tobacco risk class with a </span></div> <div style="margin-left:18pt;margin-right:8.75pt;text-align:Left;white-space:normal;"><a href="#faceamount_a8749c30-2907-4f44-b044-af3c0f430f3d"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12.0pt;">Face Amount</span></a><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> of $400,000, in </span></div> <div style="margin-left:18pt;margin-right:8.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12.0pt;">the first </span><a href="#contractyear_d04d68f9-c30f-4ca7-92ba-eaa6bdd6bc74"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Contract Year</span></a><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.625pt;vertical-align:Top;width:180pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:8.75pt;margin-right:8.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:4.625pt;vertical-align:Top;width:180pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:8.75pt;margin-right:18pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">$0.0858 per $1,000 of risk </span></div> <div style="margin-left:8.75pt;margin-right:18pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">amount</span><span style="color:#000000;font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">7</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-collapse:collapse;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:540pt;table-layout:auto;"> <tr style="height:35pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.625pt;vertical-align:Top;width:180pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:18pt;margin-right:8.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Mortality and Expense Risk </span></div> <div style="margin-left:18pt;margin-right:8.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Charge</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.625pt;vertical-align:Top;width:180pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:8.75pt;margin-right:8.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">On Date of Issue and monthly </span></div> <div style="margin-left:8.75pt;margin-right:8.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">thereafter</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:4.625pt;vertical-align:Top;width:180pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:8.75pt;margin-right:18pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">0.082</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">% of the </span><a href="#subaccount_b81d8c51-c9d0-4959-92f0-688ce29cc428"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Subaccount</span></a><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> value</span><span style="color:#000000;font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">8</span></div></div></td></tr> <tr style="height:39.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:6pt;padding-top:4.625pt;vertical-align:Top;width:180pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:18pt;margin-right:8.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Monthly Unit Charge</span><span style="color:#000000;font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">9</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:6pt;padding-top:4.625pt;vertical-align:Top;width:180pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:8.75pt;margin-right:8.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">On Date of Issue and monthly after </span></div> <div style="margin-left:8.75pt;margin-right:8.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">issue, and monthly after a </span><a href="#faceamount_a8749c30-2907-4f44-b044-af3c0f430f3d"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Face </span></a></div> <div style="margin-left:8.75pt;margin-right:8.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Amount Increase</span></div></div></td> <td style="padding-bottom:6pt;padding-top:4.625pt;vertical-align:Top;width:180pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:8.75pt;margin-right:18pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td></tr></table><span style="color:#000000;font-family:Arial;font-size:5pt;position:relative;top:-3.25pt;">6</span><span style="color:#000000;font-family:Arial;font-size:8pt;"> Cost of insurance charges depend on the </span><a href="#insured_b3d078f5-a752-456b-8349-277d36720ff4"><span style="color:#000000;font-family:Arial;font-size:8pt;">Insured’s</span></a><span style="color:#000000;font-family:Arial;font-size:8pt;line-height:11pt;"> </span><a href="#issueage_0b9d38df-a5da-4eb0-9690-d48cc26437cd"><span style="color:#000000;font-family:Arial;font-size:8pt;">Issue Age</span></a><span style="color:#000000;font-family:Arial;font-size:8pt;">, sex (in most states), risk amount, </span><a href="#faceamount_a8749c30-2907-4f44-b044-af3c0f430f3d"><span style="color:#000000;font-family:Arial;font-size:8pt;">Face Amount</span></a><span style="color:#000000;font-family:Arial;font-size:8pt;">, risk class and duration of the </span><a href="#contract_4c6df2ac-32dd-4221-b67e-8854ecc20b06"><span style="color:#000000;font-family:Arial;font-size:8pt;">Contract</span></a><span style="color:#000000;font-family:Arial;font-size:8pt;">. The Cost of Insurance Charge shown may not be representative of the charge that you will pay.</span> <div> </div><span style="color:#000000;font-family:Arial;font-size:5pt;position:relative;top:-3.25pt;">7</span><span style="color:#000000;font-family:Arial;font-size:8pt;"> For more information on the calculation of this charge see Charges.</span> <div> </div><span style="color:#000000;font-family:Arial;font-size:5pt;position:relative;top:-3.25pt;">8</span><span style="color:#000000;font-family:Arial;font-size:8pt;"> Actual current charge is less. For more information on the calculation of this charge see Charges.</span> <div> </div><span style="color:#000000;font-family:Arial;font-size:5pt;position:relative;top:-3.25pt;">9</span><span style="color:#000000;font-family:Arial;font-size:8pt;"> The charge applies for the first 180 months after issue and the first 180 months after an increase in </span><a href="#faceamount_a8749c30-2907-4f44-b044-af3c0f430f3d"><span style="color:#000000;font-family:Arial;font-size:8pt;">Face Amount</span></a><span style="color:#000000;font-family:Arial;font-size:8pt;">. See Charges.</span><span style="color:#000000;font-family:Times New Roman;font-size:12pt;font-weight:bold;">Periodic Charges Other Than Annual Portfolio Expenses, cont.</span> <table cellpadding="0" cellspacing="0" style="border-collapse:collapse;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:540pt;table-layout:auto;"> <tr style="border-left:0.1pt hidden;border-right:0.1pt hidden;border-top:0.1pt hidden;height:15pt;"> <td style="padding-bottom:9pt;padding-top:9pt;vertical-align:Bottom;width:180pt;"> <div style="line-height:9pt;text-align:left;"> <div style="margin-left:18pt;margin-right:8.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Charge</span></div></div></td> <td style="padding-bottom:9pt;padding-top:9pt;vertical-align:Bottom;width:180pt;"> <div style="line-height:9pt;text-align:left;"> <div style="margin-left:8.75pt;margin-right:8.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">When Charge is Deducted</span></div></div></td> <td style="padding-bottom:9pt;padding-top:9pt;vertical-align:Bottom;width:180pt;"> <div style="line-height:9pt;text-align:left;"> <div style="margin-left:8.75pt;margin-right:18pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Amount Deducted</span></div></div></td></tr> <tr style="height:21pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:6pt;padding-top:4.625pt;vertical-align:Top;width:180pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:18pt;margin-right:8.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12.0pt;">Maximum Charge</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:6pt;padding-top:4.625pt;vertical-align:Top;width:180pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:8.75pt;margin-right:8.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td> <td style="padding-bottom:6pt;padding-top:4.625pt;vertical-align:Top;width:180pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:8.75pt;margin-right:18pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">$</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">0.49</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> per $1,000 of </span><a href="#faceamount_a8749c30-2907-4f44-b044-af3c0f430f3d"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Face Amount</span></a></div></div></td></tr> <tr style="height:18pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:6pt;padding-top:3.125pt;vertical-align:Top;width:180pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:18pt;margin-right:8.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12.0pt;">Minimum Charge</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:6pt;padding-top:3.125pt;vertical-align:Top;width:180pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:8.75pt;margin-right:8.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td> <td style="padding-bottom:6pt;padding-top:3.125pt;vertical-align:Top;width:180pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:8.75pt;margin-right:18pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">$</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">0.00</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> per $1,000 of </span><a href="#faceamount_a8749c30-2907-4f44-b044-af3c0f430f3d"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Face Amount</span></a></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-collapse:collapse;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:540pt;table-layout:auto;"> <tr style="height:65pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.625pt;vertical-align:Top;width:180pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:18pt;margin-right:8.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12.0pt;">Charge for a male </span><a href="#insured_b3d078f5-a752-456b-8349-277d36720ff4"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Insured</span></a><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">, </span></div> <div style="margin-left:18pt;margin-right:8.75pt;text-align:Left;white-space:normal;"><a href="#issueage_0b9d38df-a5da-4eb0-9690-d48cc26437cd"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12.0pt;">Issue Age</span></a><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> 45, in the standard </span></div> <div style="margin-left:18pt;margin-right:8.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12.0pt;">non-tobacco risk class with a </span></div> <div style="margin-left:18pt;margin-right:8.75pt;text-align:Left;white-space:normal;"><a href="#faceamount_a8749c30-2907-4f44-b044-af3c0f430f3d"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12.0pt;">Face Amount</span></a><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> of $400,000, in </span></div> <div style="margin-left:18pt;margin-right:8.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12.0pt;">the first </span><a href="#contractyear_d04d68f9-c30f-4ca7-92ba-eaa6bdd6bc74"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Contract Year</span></a><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.625pt;vertical-align:Top;width:180pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:8.75pt;margin-right:8.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:4.625pt;vertical-align:Top;width:180pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:8.75pt;margin-right:18pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">$0.10 per $1,000 of </span><a href="#faceamount_a8749c30-2907-4f44-b044-af3c0f430f3d"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Face Amount</span></a></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-collapse:collapse;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:540pt;table-layout:auto;"> <tr style="height:35pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.625pt;vertical-align:Top;width:180pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:18pt;margin-right:8.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Basic Monthly Charge</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.625pt;vertical-align:Top;width:180pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:8.75pt;margin-right:8.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">On the Date of Issue and monthly </span></div> <div style="margin-left:8.75pt;margin-right:8.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">thereafter</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:4.625pt;vertical-align:Top;width:180pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:8.75pt;margin-right:18pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">$</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">9.00</span><span style="color:#000000;font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">10</span></div></div></td></tr> <tr style="height:24pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.625pt;padding-top:4.625pt;vertical-align:Top;width:180pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:18pt;margin-right:8.75pt;text-align:Left;white-space:normal;"><a href="#debt_3625140a-0e67-453c-b30b-6afd87653c79"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Debt</span></a><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> Interest</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.625pt;padding-top:4.625pt;vertical-align:Top;width:180pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:8.75pt;margin-right:8.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Accrues daily</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:4.625pt;padding-top:4.625pt;vertical-align:Top;width:180pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:8.75pt;margin-right:18pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"><span style="-sec-ix-hidden:c528198b-9ec8-42ab-a51e-e8b15c05ea01">4.0</span></span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">% Net Interest Rate on </span><a href="#debt_3625140a-0e67-453c-b30b-6afd87653c79"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Debt</span></a><span style="color:#000000;font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">11</span></div></div></td></tr> <tr style="height:24pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:9pt;padding-top:4.625pt;vertical-align:Top;width:180pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:18pt;margin-right:8.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Optional Benefits Charge:</span><span style="color:#000000;font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">12</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:9pt;padding-top:4.625pt;vertical-align:Top;width:180pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:8.75pt;margin-right:8.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td> <td style="padding-bottom:9pt;padding-top:4.625pt;vertical-align:Top;width:180pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:8.75pt;margin-right:18pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td></tr> <tr style="height:32pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:6pt;padding-top:4.625pt;vertical-align:Top;width:180pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:18pt;margin-right:8.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;margin-left:12.0pt;">Disability Waiver of Monthly </span></div> <div style="margin-left:18pt;margin-right:8.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;margin-left:12.0pt;">Deduction Benefit</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:6pt;padding-top:4.625pt;vertical-align:Top;width:180pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:8.75pt;margin-right:8.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">On the rider date of issue and </span></div> <div style="margin-left:8.75pt;margin-right:8.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">monthly thereafter</span></div></div></td> <td style="padding-bottom:6pt;padding-top:4.625pt;vertical-align:Top;width:180pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:8.75pt;margin-right:18pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td></tr> <tr style="height:29pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:6pt;padding-top:3.125pt;vertical-align:Top;width:180pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:18pt;margin-right:8.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12.0pt;">Maximum</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:6pt;padding-top:3.125pt;vertical-align:Top;width:180pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:8.75pt;margin-right:8.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td> <td style="padding-bottom:6pt;padding-top:3.125pt;vertical-align:Top;width:180pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:8.75pt;margin-right:18pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"><span style="-sec-ix-hidden:a42b317b-cb52-4df2-8c10-746f6172947f">195.5</span></span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">% of all monthly </span></div> <div style="margin-left:8.75pt;margin-right:18pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">deductions</span><span style="color:#000000;font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">13</span></div></div></td></tr> <tr style="height:18pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:6pt;padding-top:3.125pt;vertical-align:Top;width:180pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:18pt;margin-right:8.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12.0pt;">Minimum</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:6pt;padding-top:3.125pt;vertical-align:Top;width:180pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:8.75pt;margin-right:8.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td> <td style="padding-bottom:6pt;padding-top:3.125pt;vertical-align:Top;width:180pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:8.75pt;margin-right:18pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"><span style="-sec-ix-hidden:x_3ba2a30e-1425-419d-86a7-5ddf3becd67c">4.8</span></span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">% of all monthly deductions</span><span style="color:#000000;font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">13</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-collapse:collapse;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:540pt;table-layout:auto;"> <tr style="height:43pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.625pt;vertical-align:Top;width:180pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:18pt;margin-right:8.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12.0pt;">Charge for a male </span><a href="#insured_b3d078f5-a752-456b-8349-277d36720ff4"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Insured</span></a><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">, </span></div> <div style="margin-left:18pt;margin-right:8.75pt;text-align:Left;white-space:normal;"><a href="#issueage_0b9d38df-a5da-4eb0-9690-d48cc26437cd"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12.0pt;">Issue Age</span></a><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> 45, in the standard </span></div> <div style="margin-left:18pt;margin-right:8.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12.0pt;">risk class</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.625pt;vertical-align:Top;width:180pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:8.75pt;margin-right:8.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:4.625pt;vertical-align:Top;width:180pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:8.75pt;margin-right:18pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">9.5% of all monthly deductions</span><span style="color:#000000;font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">13</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-collapse:collapse;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:540pt;table-layout:auto;"> <tr style="height:35pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:9pt;vertical-align:Top;width:180pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:18pt;margin-right:8.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Guaranteed Increase Option</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:9pt;vertical-align:Top;width:180pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:8.75pt;margin-right:8.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">On the rider date of issue and </span></div> <div style="margin-left:8.75pt;margin-right:8.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">monthly thereafter</span></div></div></td> <td style="padding-bottom:9pt;vertical-align:Top;width:180pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:8.75pt;margin-right:18pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td></tr> <tr style="height:32pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:6pt;padding-top:4.625pt;vertical-align:Top;width:180pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:18pt;margin-right:8.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12.0pt;">Maximum</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:6pt;padding-top:4.625pt;vertical-align:Top;width:180pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:8.75pt;margin-right:8.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td> <td style="padding-bottom:6pt;padding-top:4.625pt;vertical-align:Top;width:180pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:8.75pt;margin-right:18pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">$</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">0.21</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> per $1,000 of rider </span></div> <div style="margin-left:8.75pt;margin-right:18pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">coverage amount</span><span style="color:#000000;font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">14</span></div></div></td></tr> <tr style="height:29pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:6pt;padding-top:3.125pt;vertical-align:Top;width:180pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:18pt;margin-right:8.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12.0pt;">Minimum</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:6pt;padding-top:3.125pt;vertical-align:Top;width:180pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:8.75pt;margin-right:8.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td> <td style="padding-bottom:6pt;padding-top:3.125pt;vertical-align:Top;width:180pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:8.75pt;margin-right:18pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">$</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">0.03</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> per $1,000 of rider </span></div> <div style="margin-left:8.75pt;margin-right:18pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">coverage amount</span><span style="color:#000000;font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">14</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-collapse:collapse;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:540pt;table-layout:auto;"> <tr style="height:25.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:6pt;vertical-align:Top;width:180pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:18pt;margin-right:8.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12.0pt;">Charge for an </span><a href="#insured_b3d078f5-a752-456b-8349-277d36720ff4"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Insured</span></a><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">, </span><a href="#issueage_0b9d38df-a5da-4eb0-9690-d48cc26437cd"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Issue </span></a></div> <div style="margin-left:18pt;margin-right:8.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12.0pt;">Age</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">0</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:6pt;vertical-align:Top;width:180pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:8.75pt;margin-right:8.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td> <td style="padding-bottom:6pt;vertical-align:Top;width:180pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:8.75pt;margin-right:18pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">$0.03 per $1,000 of rider </span></div> <div style="margin-left:8.75pt;margin-right:18pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">coverage amount</span><span style="color:#000000;font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">14</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial;font-size:5pt;position:relative;top:-3.25pt;">10</span><span style="color:#000000;font-family:Arial;font-size:8pt;"> Charge for adults (issue age 18+) is $9.00 per month. For juvenile (issue age 0-17) </span><a href="#contract_4c6df2ac-32dd-4221-b67e-8854ecc20b06"><span style="color:#000000;font-family:Arial;font-size:8pt;">Contracts</span></a><span style="color:#000000;font-family:Arial;font-size:8pt;">, the charge is $7.50 per month.</span> <div> </div><span style="color:#000000;font-family:Arial;font-size:5pt;position:relative;top:-3.25pt;">11</span><span style="color:#000000;font-family:Arial;font-size:8pt;"> The maximum net interest charged on </span><a href="#debt_3625140a-0e67-453c-b30b-6afd87653c79"><span style="color:#000000;font-family:Arial;font-size:8pt;">Debt</span></a><span style="color:#000000;font-family:Arial;font-size:8pt;"> is 4.0%. The gross annual interest rate charged on </span><a href="#debt_3625140a-0e67-453c-b30b-6afd87653c79"><span style="color:#000000;font-family:Arial;font-size:8pt;">Debt</span></a><span style="color:#000000;font-family:Arial;font-size:8pt;"> is 6.0% and for amounts that are transferred as collateral to the </span><a href="#loanaccount_c29af8ed-d2b3-4876-9b13-ff3002e526cb"><span style="color:#000000;font-family:Arial;font-size:8pt;">Loan Account</span></a><span style="color:#000000;font-family:Arial;font-size:8pt;"> we pay a minimum effective annual rate of 2.0%. We may pay a rate greater than 2.0%.</span> <div> </div><span style="color:#000000;font-family:Arial;font-size:5pt;position:relative;top:-3.25pt;">12</span><span style="color:#000000;font-family:Arial;font-size:8pt;"> Charges for </span><a href="#additionalbenefits_e95ad0c3-c18b-4179-9766-1f6fd1796eee"><span style="color:#000000;font-family:Arial;font-size:8pt;">Additional Benefits</span></a><span style="color:#000000;font-family:Arial;font-size:8pt;"> vary based on </span><a href="#attainedage_caf75f90-1cd7-48e4-8891-62a1a1514ed4"><span style="color:#000000;font-family:Arial;font-size:8pt;">Attained Age</span></a><span style="color:#000000;font-family:Arial;font-size:8pt;"> or </span><a href="#issueage_0b9d38df-a5da-4eb0-9690-d48cc26437cd"><span style="color:#000000;font-family:Arial;font-size:8pt;">Issue Age</span></a><span style="color:#000000;font-family:Arial;font-size:8pt;">, sex (in most states), risk class, </span><a href="#faceamount_a8749c30-2907-4f44-b044-af3c0f430f3d"><span style="color:#000000;font-family:Arial;font-size:8pt;">Face Amount</span></a><span style="color:#000000;font-family:Arial;font-size:8pt;">, risk amount, or rider coverage amount. Charges based on age may increase as the </span><a href="#insured_b3d078f5-a752-456b-8349-277d36720ff4"><span style="color:#000000;font-family:Arial;font-size:8pt;">Insured</span></a><span style="color:#000000;font-family:Arial;font-size:8pt;"> ages. The charges noted apply if the rider is included in your </span><a href="#contract_4c6df2ac-32dd-4221-b67e-8854ecc20b06"><span style="color:#000000;font-family:Arial;font-size:8pt;">Contract</span></a><span style="color:#000000;font-family:Arial;font-size:8pt;"> and the </span><a href="#contract_4c6df2ac-32dd-4221-b67e-8854ecc20b06"><span style="color:#000000;font-family:Arial;font-size:8pt;">Contract </span></a><span style="color:#000000;font-family:Arial;font-size:8pt;">and/or rider has not otherwise terminated. Before you purchase a </span><a href="#contract_4c6df2ac-32dd-4221-b67e-8854ecc20b06"><span style="color:#000000;font-family:Arial;font-size:8pt;">Contract</span></a><span style="color:#000000;font-family:Arial;font-size:8pt;">, we will provide you a free personalized illustration of your future benefits under the </span><a href="#contract_4c6df2ac-32dd-4221-b67e-8854ecc20b06"><span style="color:#000000;font-family:Arial;font-size:8pt;">Contract</span></a><span style="color:#000000;font-family:Arial;font-size:8pt;">.</span> <div> </div><span style="color:#000000;font-family:Arial;font-size:5pt;position:relative;top:-3.25pt;">13</span><span style="color:#000000;font-family:Arial;font-size:8pt;"> The charge applies until </span><a href="#insured_b3d078f5-a752-456b-8349-277d36720ff4"><span style="color:#000000;font-family:Arial;font-size:8pt;">Insured’s</span></a><span style="color:#000000;font-family:Arial;font-size:8pt;line-height:11pt;"> </span><a href="#attainedage_caf75f90-1cd7-48e4-8891-62a1a1514ed4"><span style="color:#000000;font-family:Arial;font-size:8pt;">Attained Age</span></a><span style="color:#000000;font-family:Arial;font-size:8pt;"> 65. Monthly deductions include cost of insurance charge, benefit rider charges, basic monthly charge, monthly unit charge, and mortality and expense risk charge.</span> <div> </div><span style="color:#000000;font-family:Arial;font-size:5pt;position:relative;top:-3.25pt;">14</span><span style="color:#000000;font-family:Arial;font-size:8pt;"> The charge applies until the first rider anniversary on or after </span><a href="#insured_b3d078f5-a752-456b-8349-277d36720ff4"><span style="color:#000000;font-family:Arial;font-size:8pt;">Insured’s</span></a><span style="color:#000000;font-family:Arial;font-size:8pt;"> age 49.</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">The next item shows the minimum and maximum total annual operating expenses charged by the </span><a href="#portfolio_142de97d-5295-4b78-9ff4-8df8143e1671"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Portfolios</span></a><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;"> that investors will bear during the time that they own the </span><a href="#contract_4c6df2ac-32dd-4221-b67e-8854ecc20b06"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Contract</span></a><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">. This table shows the range (maximum and minimum) of fees and expenses (including management fees and other expenses) charged by the </span><a href="#portfolio_142de97d-5295-4b78-9ff4-8df8143e1671"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Portfolios</span></a><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">, expressed as an annual percentage of average daily net assets. A complete list of the </span><a href="#portfolio_142de97d-5295-4b78-9ff4-8df8143e1671"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Portfolios</span></a><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;"> corresponding to </span><a href="#subaccount_b81d8c51-c9d0-4959-92f0-688ce29cc428"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Subaccounts</span></a><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;"> available under the </span><a href="#contract_4c6df2ac-32dd-4221-b67e-8854ecc20b06"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Contract</span></a><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">, including their annual expenses, may be found at the back of this document in the </span><a href="#appendix_4120e47a-5ac2-4b99-939d-467ce0e3038b"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Appendix</span></a><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">.</span><span style="color:#000000;font-family:Arial;font-size:1pt;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:540pt;"> <tr style="height:15.5pt;"> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Bottom;width:428.04pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:18pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">Annual </span><a href="#portfolio_142de97d-5295-4b78-9ff4-8df8143e1671"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">Portfolio</span></a><span style="font-family:Arial;font-size:9pt;font-weight:bold;"> Expenses</span></div></div></td> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Bottom;width:46.48pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">MINIMUM</span></div></div></td> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Bottom;width:65.48pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:18pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">MAXIMUM</span></div></div></td></tr> <tr style="height:25pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:428.04pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:18pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Expenses that are deducted from </span><a href="#portfolio_142de97d-5295-4b78-9ff4-8df8143e1671"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Portfolio</span></a><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> assets, including management fees, distribution </span></div> <div style="margin-left:18pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">fees and other expenses.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:46.48pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">0.22%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:65.48pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:18pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">1.52%</span></div></div></td></tr> <tr style="height:24.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.625pt;vertical-align:Top;width:428.04pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:18pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Expenses that are deducted from </span><a href="#portfolio_142de97d-5295-4b78-9ff4-8df8143e1671"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Portfolio</span></a><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> assets, after reimbursements and/or fee </span></div> <div style="margin-left:18pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">waivers.*</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.625pt;vertical-align:Top;width:46.48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">0.22%</span></div></div></td> <td style="padding-bottom:3pt;padding-top:1.625pt;vertical-align:Top;width:65.48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:18pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">1.15%*</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial;font-size:6.5pt;position:relative;top:-4.25pt;">* The reimbursements and/or fee waivers will last until April 30, 2026, but may be terminated at any time in the future.</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:13pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;">As a fraternal benefit society, Thrivent is also required to have a Maintenance of Solvency provision that could require you to pay us an amount to maintain our financial strength. For a complete discussion of the Maintenance of Solvency provision, see </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">Maintenance of Solvency </span><span style="color:#000000;font-family:Arial;font-size:10pt;">in the statutory prospectus</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">.</span> <span style="color:#000000;font-family:Arial;font-size:12pt;font-weight:bold;">Transaction Fees</span><span style="color:#000000;font-family:Arial;font-size:1pt;font-weight:bold;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-collapse:collapse;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:540pt;"> <tr style="border-left:0.1pt hidden;border-right:0.1pt hidden;border-top:0.1pt hidden;height:15pt;"> <td style="padding-bottom:9pt;padding-top:9pt;vertical-align:Bottom;width:180pt;"> <div style="line-height:9pt;text-align:left;"> <div style="margin-left:18pt;margin-right:8.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Charge</span></div></div></td> <td style="padding-bottom:9pt;padding-top:9pt;vertical-align:Bottom;width:180pt;"> <div style="line-height:9pt;text-align:left;"> <div style="margin-left:8.75pt;margin-right:8.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">When Charge is Deducted</span></div></div></td> <td style="padding-bottom:9pt;padding-top:9pt;vertical-align:Bottom;width:180pt;"> <div style="line-height:9pt;text-align:left;"> <div style="margin-left:8.75pt;margin-right:18pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Amount Deducted</span></div></div></td></tr> <tr style="height:35pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.625pt;padding-top:4.625pt;vertical-align:Top;width:180pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:18pt;margin-right:8.75pt;text-align:Left;white-space:nowrap;"><a href="#percentofpremiumcharge_3540d366-45c9-4412-8140-2936d94251bf"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Percent of Premium Charge</span></a></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.625pt;padding-top:4.625pt;vertical-align:Top;width:180pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:8.75pt;margin-right:8.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Upon receipt of each premium </span></div> <div style="margin-left:8.75pt;margin-right:8.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">payment</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:4.625pt;padding-top:4.625pt;vertical-align:Top;width:180pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:8.75pt;margin-right:18pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">5</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">% of each premium payment</span><span style="color:#000000;font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">1</span></div></div></td></tr> <tr style="height:24pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.625pt;padding-top:4.625pt;vertical-align:Top;width:180pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:18pt;margin-right:8.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Premium Tax Charge</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.625pt;padding-top:4.625pt;vertical-align:Top;width:180pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:8.75pt;margin-right:8.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Not currently applicable</span><span style="color:#000000;font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">2</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:4.625pt;padding-top:4.625pt;vertical-align:Top;width:180pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:8.75pt;margin-right:18pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Not currently applicable</span><span style="color:#000000;font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">2</span></div></div></td></tr> <tr style="height:28.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:6pt;padding-top:4.625pt;vertical-align:Top;width:180pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:18pt;margin-right:8.75pt;text-align:Left;white-space:nowrap;"><a href="#decreasecharge_3a50310b-ac21-4347-9b65-1a741e4da9c7"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Decrease Charge</span></a><span style="color:#000000;font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">3</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:6pt;padding-top:4.625pt;vertical-align:Top;width:180pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:8.75pt;margin-right:8.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Upon surrender, lapse, or decrease </span></div> <div style="margin-left:8.75pt;margin-right:8.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">in the </span><a href="#faceamount_a8749c30-2907-4f44-b044-af3c0f430f3d"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Face Amount</span></a></div></div></td> <td style="padding-bottom:6pt;padding-top:4.625pt;vertical-align:Top;width:180pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:8.75pt;margin-right:18pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td></tr></table><span style="color:#000000;font-family:Arial;font-size:5pt;position:relative;top:-3.25pt;">1</span><span style="color:#000000;font-family:Arial;font-size:8pt;"> The </span><a href="#percentofpremiumcharge_3540d366-45c9-4412-8140-2936d94251bf"><span style="color:#000000;font-family:Arial;font-size:8pt;">Percent of Premium Charge</span></a><span style="color:#000000;font-family:Arial;font-size:8pt;"> may not be deducted in certain situations.</span> <div> </div><span style="color:#000000;font-family:Arial;font-size:5pt;position:relative;top:-3.25pt;">2</span><span style="color:#000000;font-family:Arial;font-size:8pt;"> We are not currently subject to premium taxes. However, we reserve the right to impose a charge for these taxes in the future if we have to pay them. If imposed, the premium tax charge would be between 0% and 5% of premium payments.</span> <div> </div><span style="color:#000000;font-family:Arial;font-size:5pt;position:relative;top:-3.25pt;">3</span><span style="color:#000000;font-family:Arial;font-size:8pt;"> The </span><a href="#decreasecharge_3a50310b-ac21-4347-9b65-1a741e4da9c7"><span style="color:#000000;font-family:Arial;font-size:8pt;">Decrease Charge</span></a><span style="color:#000000;font-family:Arial;font-size:8pt;"> applies to each decrease in </span><a href="#faceamount_a8749c30-2907-4f44-b044-af3c0f430f3d"><span style="color:#000000;font-family:Arial;font-size:8pt;">Face Amount</span></a><span style="color:#000000;font-family:Arial;font-size:8pt;"> during the first 10 </span><a href="#contractyear_d04d68f9-c30f-4ca7-92ba-eaa6bdd6bc74"><span style="color:#000000;font-family:Arial;font-size:8pt;">Contract Years</span></a><span style="color:#000000;font-family:Arial;font-size:8pt;"> and during the first 10 years following an increase in </span><a href="#faceamount_a8749c30-2907-4f44-b044-af3c0f430f3d"><span style="color:#000000;font-family:Arial;font-size:8pt;">Face Amount</span></a><span style="color:#000000;font-family:Arial;font-size:8pt;">. The </span><a href="#decreasecharge_3a50310b-ac21-4347-9b65-1a741e4da9c7"><span style="color:#000000;font-family:Arial;font-size:8pt;">Decrease Charge</span></a><span style="color:#000000;font-family:Arial;font-size:8pt;"> remains level for the first five years of the </span><a href="#contract_4c6df2ac-32dd-4221-b67e-8854ecc20b06"><span style="color:#000000;font-family:Arial;font-size:8pt;">Contract</span></a><span style="color:#000000;font-family:Arial;font-size:8pt;"> (or during the first five years following an increase in </span><a href="#faceamount_a8749c30-2907-4f44-b044-af3c0f430f3d"><span style="color:#000000;font-family:Arial;font-size:8pt;">Face </span></a><span style="color:#000000;font-family:Arial;font-size:8pt;">Amount), and then decreases each </span><a href="#contractyear_d04d68f9-c30f-4ca7-92ba-eaa6bdd6bc74"><span style="color:#000000;font-family:Arial;font-size:8pt;">Contract Year</span></a><span style="color:#000000;font-family:Arial;font-size:8pt;"> to zero after year 10 (and to zero after the 10th year following an increase in </span><a href="#faceamount_a8749c30-2907-4f44-b044-af3c0f430f3d"><span style="color:#000000;font-family:Arial;font-size:8pt;">Face Amount</span></a><span style="color:#000000;font-family:Arial;font-size:8pt;">). </span><a href="#decreasecharge_3a50310b-ac21-4347-9b65-1a741e4da9c7"><span style="color:#000000;font-family:Arial;font-size:8pt;">Decrease </span></a><span style="color:#000000;font-family:Arial;font-size:8pt;">Charges depend on the </span><a href="#insured_b3d078f5-a752-456b-8349-277d36720ff4"><span style="color:#000000;font-family:Arial;font-size:8pt;">Insured’s</span></a><span style="color:#000000;font-family:Arial;font-size:8pt;line-height:11pt;"> </span><a href="#issueage_0b9d38df-a5da-4eb0-9690-d48cc26437cd"><span style="color:#000000;font-family:Arial;font-size:8pt;">Issue Age</span></a><span style="color:#000000;font-family:Arial;font-size:8pt;">, sex (in most states), amount of decrease in </span><a href="#faceamount_a8749c30-2907-4f44-b044-af3c0f430f3d"><span style="color:#000000;font-family:Arial;font-size:8pt;">Face Amount</span></a><span style="color:#000000;font-family:Arial;font-size:8pt;">, risk class and duration of the </span><a href="#contract_4c6df2ac-32dd-4221-b67e-8854ecc20b06"><span style="color:#000000;font-family:Arial;font-size:8pt;">Contract</span></a><span style="color:#000000;font-family:Arial;font-size:8pt;">. See Charges.</span><span style="color:#000000;font-family:Times New Roman;font-size:12pt;font-weight:bold;">Transaction Fees, cont.</span> <table cellpadding="0" cellspacing="0" style="border-collapse:collapse;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:540pt;table-layout:auto;"> <tr style="border-left:0.1pt hidden;border-right:0.1pt hidden;border-top:0.1pt hidden;height:15pt;"> <td style="padding-bottom:9pt;padding-top:9pt;vertical-align:Bottom;width:180pt;"> <div style="line-height:9pt;text-align:left;"> <div style="margin-left:18pt;margin-right:8.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Charge</span></div></div></td> <td style="padding-bottom:9pt;padding-top:9pt;vertical-align:Bottom;width:180pt;"> <div style="line-height:9pt;text-align:left;"> <div style="margin-left:8.75pt;margin-right:8.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">When Charge is Deducted</span></div></div></td> <td style="padding-bottom:9pt;padding-top:9pt;vertical-align:Bottom;width:180pt;"> <div style="line-height:9pt;text-align:left;"> <div style="margin-left:8.75pt;margin-right:18pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Amount Deducted</span></div></div></td></tr> <tr style="height:32pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:6pt;padding-top:4.625pt;vertical-align:Top;width:180pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:18pt;margin-right:8.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12.0pt;">Maximum</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:6pt;padding-top:4.625pt;vertical-align:Top;width:180pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:8.75pt;margin-right:8.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td> <td style="padding-bottom:6pt;padding-top:4.625pt;vertical-align:Top;width:180pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:8.75pt;margin-right:18pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">$</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">50.18</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> per $1,000 of decrease in </span></div> <div style="margin-left:8.75pt;margin-right:18pt;text-align:Left;white-space:normal;"><a href="#faceamount_a8749c30-2907-4f44-b044-af3c0f430f3d"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Face Amount</span></a></div></div></td></tr> <tr style="height:29pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:6pt;padding-top:3.125pt;vertical-align:Top;width:180pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:18pt;margin-right:8.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12.0pt;">Minimum</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:6pt;padding-top:3.125pt;vertical-align:Top;width:180pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:8.75pt;margin-right:8.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td> <td style="padding-bottom:6pt;padding-top:3.125pt;vertical-align:Top;width:180pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:8.75pt;margin-right:18pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">$</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">3.70</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> per $1,000 of decrease in </span></div> <div style="margin-left:8.75pt;margin-right:18pt;text-align:Left;white-space:normal;"><a href="#faceamount_a8749c30-2907-4f44-b044-af3c0f430f3d"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Face Amount</span></a></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-collapse:collapse;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:540pt;table-layout:auto;"> <tr style="height:65pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.625pt;vertical-align:Top;width:180pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:18pt;margin-right:8.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12.0pt;">Charge for a male </span><a href="#insured_b3d078f5-a752-456b-8349-277d36720ff4"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Insured</span></a><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">, </span></div> <div style="margin-left:18pt;margin-right:8.75pt;text-align:Left;white-space:normal;"><a href="#issueage_0b9d38df-a5da-4eb0-9690-d48cc26437cd"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12.0pt;">Issue Age</span></a><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> 45, in the standard </span></div> <div style="margin-left:18pt;margin-right:8.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12.0pt;">non-tobacco risk class with a </span></div> <div style="margin-left:18pt;margin-right:8.75pt;text-align:Left;white-space:normal;"><a href="#faceamount_a8749c30-2907-4f44-b044-af3c0f430f3d"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12.0pt;">Face Amount</span></a><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> of $400,000, in </span></div> <div style="margin-left:18pt;margin-right:8.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12.0pt;">the first </span><a href="#contractyear_d04d68f9-c30f-4ca7-92ba-eaa6bdd6bc74"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Contract Year</span></a><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.625pt;vertical-align:Top;width:180pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:8.75pt;margin-right:8.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:4.625pt;vertical-align:Top;width:180pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:8.75pt;margin-right:18pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">$20.30 per $1,000 of decrease in </span></div> <div style="margin-left:8.75pt;margin-right:18pt;text-align:Left;white-space:normal;"><a href="#faceamount_a8749c30-2907-4f44-b044-af3c0f430f3d"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Face Amount</span></a></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-collapse:collapse;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:540pt;table-layout:auto;"> <tr style="height:35pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.625pt;vertical-align:Top;width:180pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:18pt;margin-right:8.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Partial Surrender Charge</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.625pt;vertical-align:Top;width:180pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:8.75pt;margin-right:8.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Upon each partial surrender in </span></div> <div style="margin-left:8.75pt;margin-right:8.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">excess of one per </span><a href="#contractyear_d04d68f9-c30f-4ca7-92ba-eaa6bdd6bc74"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Contract Year</span></a></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:4.625pt;vertical-align:Top;width:180pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:8.75pt;margin-right:18pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">$</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">25</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> per partial surrender</span></div></div></td></tr> <tr style="height:35pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.625pt;padding-top:4.625pt;vertical-align:Top;width:180pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:18pt;margin-right:8.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Transfer Charge</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.625pt;padding-top:4.625pt;vertical-align:Top;width:180pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:8.75pt;margin-right:8.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Upon each transfer after the twelfth </span></div> <div style="margin-left:8.75pt;margin-right:8.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">in a </span><a href="#contractyear_d04d68f9-c30f-4ca7-92ba-eaa6bdd6bc74"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Contract Year</span></a><span style="color:#000000;font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">4</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:4.625pt;padding-top:4.625pt;vertical-align:Top;width:180pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:8.75pt;margin-right:18pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">$</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">25</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> per transfer</span></div></div></td></tr> <tr style="height:17.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:6pt;padding-top:4.625pt;vertical-align:Top;width:180pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:18pt;margin-right:8.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Accelerated Death Benefit</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:6pt;padding-top:4.625pt;vertical-align:Top;width:180pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:8.75pt;margin-right:8.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">On exercise of benefit</span><span style="color:#000000;font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">5</span></div></div></td> <td style="padding-bottom:6pt;padding-top:4.625pt;vertical-align:Top;width:180pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:8.75pt;margin-right:18pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">$</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">150</span></div></div></td></tr></table><span style="font-family:Arial;font-size:5pt;position:relative;top:-3.25pt;">4</span><span style="font-family:Arial;font-size:8pt;"> The charge applies to each Subaccount transfer in excess of the first twelve transfers made in a </span><a href="#contractyear_d04d68f9-c30f-4ca7-92ba-eaa6bdd6bc74"><span style="font-family:Arial;font-size:8pt;">Contract Year</span></a><span style="font-family:Arial;font-size:8pt;">.</span> <div> </div><span style="font-family:Arial;font-size:5pt;position:relative;top:-3.25pt;">5</span><span style="font-family:Arial;font-size:8pt;"> The charge may vary by state and may be lower in some states.</span> <span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Percent of Premium Charge</span> <span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Upon receipt of each premium </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">payment</span> 0.05 <span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Premium Tax Charge</span> <span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Decrease Charge</span><span style="color:#000000;font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">3</span> <span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Upon surrender, lapse, or decrease </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">in the </span><a href="#faceamount_a8749c30-2907-4f44-b044-af3c0f430f3d"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Face Amount</span></a> 0.5018 0.0370 <table cellpadding="0" cellspacing="0" style="border-collapse:collapse;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:540pt;table-layout:auto;"> <tr style="height:65pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.625pt;vertical-align:Top;width:180pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:18pt;margin-right:8.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12.0pt;">Charge for a male </span><a href="#insured_b3d078f5-a752-456b-8349-277d36720ff4"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Insured</span></a><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">, </span></div> <div style="margin-left:18pt;margin-right:8.75pt;text-align:Left;white-space:normal;"><a href="#issueage_0b9d38df-a5da-4eb0-9690-d48cc26437cd"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12.0pt;">Issue Age</span></a><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> 45, in the standard </span></div> <div style="margin-left:18pt;margin-right:8.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12.0pt;">non-tobacco risk class with a </span></div> <div style="margin-left:18pt;margin-right:8.75pt;text-align:Left;white-space:normal;"><a href="#faceamount_a8749c30-2907-4f44-b044-af3c0f430f3d"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12.0pt;">Face Amount</span></a><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> of $400,000, in </span></div> <div style="margin-left:18pt;margin-right:8.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12.0pt;">the first </span><a href="#contractyear_d04d68f9-c30f-4ca7-92ba-eaa6bdd6bc74"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Contract Year</span></a><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.625pt;vertical-align:Top;width:180pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:8.75pt;margin-right:8.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:4.625pt;vertical-align:Top;width:180pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:8.75pt;margin-right:18pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">$20.30 per $1,000 of decrease in </span></div> <div style="margin-left:8.75pt;margin-right:18pt;text-align:Left;white-space:normal;"><a href="#faceamount_a8749c30-2907-4f44-b044-af3c0f430f3d"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Face Amount</span></a></div></div></td></tr></table> <span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Partial Surrender Charge</span> <span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Upon each partial surrender in </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">excess of one per </span><a href="#contractyear_d04d68f9-c30f-4ca7-92ba-eaa6bdd6bc74"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Contract Year</span></a> 25 <span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Transfer Charge</span> <span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Upon each transfer after the twelfth </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">in a </span><a href="#contractyear_d04d68f9-c30f-4ca7-92ba-eaa6bdd6bc74"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Contract Year</span></a> 25 <span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Accelerated Death Benefit</span> <span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">On exercise of benefit</span> 150 <span style="color:#000000;font-family:Arial;font-size:12pt;font-weight:bold;">Periodic Charges Other Than Annual </span><a href="#portfolio_142de97d-5295-4b78-9ff4-8df8143e1671"><span style="color:#000000;font-family:Arial;font-size:12pt;font-weight:bold;">Portfolio</span></a><span style="color:#000000;font-family:Arial;font-size:12pt;font-weight:bold;"> Expenses</span><span style="color:#000000;font-family:Arial;font-size:1pt;font-weight:bold;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-collapse:collapse;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:540pt;table-layout:auto;"> <tr style="border-left:0.1pt hidden;border-right:0.1pt hidden;border-top:0.1pt hidden;height:15pt;"> <td style="padding-bottom:9pt;padding-top:9pt;vertical-align:Bottom;width:180pt;"> <div style="line-height:9pt;text-align:left;"> <div style="margin-left:18pt;margin-right:8.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Charge</span></div></div></td> <td style="padding-bottom:9pt;padding-top:9pt;vertical-align:Bottom;width:180pt;"> <div style="line-height:9pt;text-align:left;"> <div style="margin-left:8.75pt;margin-right:8.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">When Charge is Deducted</span></div></div></td> <td style="padding-bottom:9pt;padding-top:9pt;vertical-align:Bottom;width:180pt;"> <div style="line-height:9pt;text-align:left;"> <div style="margin-left:8.75pt;margin-right:18pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Amount Deducted</span></div></div></td></tr> <tr style="height:35pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:9pt;padding-top:4.625pt;vertical-align:Top;width:180pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:18pt;margin-right:8.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Cost of Insurance Charge</span><span style="color:#000000;font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">6</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:9pt;padding-top:4.625pt;vertical-align:Top;width:180pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:8.75pt;margin-right:8.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">On Date of Issue and monthly </span></div> <div style="margin-left:8.75pt;margin-right:8.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">thereafter</span></div></div></td> <td style="padding-bottom:9pt;padding-top:4.625pt;vertical-align:Top;width:180pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:8.75pt;margin-right:18pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td></tr> <tr style="height:32pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:6pt;padding-top:4.625pt;vertical-align:Top;width:180pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:18pt;margin-right:8.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12.0pt;">Maximum Charge</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:6pt;padding-top:4.625pt;vertical-align:Top;width:180pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:8.75pt;margin-right:8.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td> <td style="padding-bottom:6pt;padding-top:4.625pt;vertical-align:Top;width:180pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:8.75pt;margin-right:18pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">$</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">83.3333</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> per $1,000 of risk </span></div> <div style="margin-left:8.75pt;margin-right:18pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">amount</span><span style="color:#000000;font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">7</span></div></div></td></tr> <tr style="height:29pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:6pt;padding-top:3.125pt;vertical-align:Top;width:180pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:18pt;margin-right:8.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12.0pt;">Minimum Charge</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:6pt;padding-top:3.125pt;vertical-align:Top;width:180pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:8.75pt;margin-right:8.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td> <td style="padding-bottom:6pt;padding-top:3.125pt;vertical-align:Top;width:180pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:8.75pt;margin-right:18pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">$</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">0.0058</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> per $1,000 of risk </span></div> <div style="margin-left:8.75pt;margin-right:18pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">amount</span><span style="color:#000000;font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">7</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-collapse:collapse;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:540pt;table-layout:auto;"> <tr style="height:65pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.625pt;vertical-align:Top;width:180pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:18pt;margin-right:8.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12.0pt;">Charge for a male </span><a href="#insured_b3d078f5-a752-456b-8349-277d36720ff4"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Insured</span></a><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">, </span></div> <div style="margin-left:18pt;margin-right:8.75pt;text-align:Left;white-space:normal;"><a href="#issueage_0b9d38df-a5da-4eb0-9690-d48cc26437cd"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12.0pt;">Issue Age</span></a><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> 45, in the standard </span></div> <div style="margin-left:18pt;margin-right:8.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12.0pt;">non-tobacco risk class with a </span></div> <div style="margin-left:18pt;margin-right:8.75pt;text-align:Left;white-space:normal;"><a href="#faceamount_a8749c30-2907-4f44-b044-af3c0f430f3d"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12.0pt;">Face Amount</span></a><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> of $400,000, in </span></div> <div style="margin-left:18pt;margin-right:8.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12.0pt;">the first </span><a href="#contractyear_d04d68f9-c30f-4ca7-92ba-eaa6bdd6bc74"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Contract Year</span></a><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.625pt;vertical-align:Top;width:180pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:8.75pt;margin-right:8.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:4.625pt;vertical-align:Top;width:180pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:8.75pt;margin-right:18pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">$0.0858 per $1,000 of risk </span></div> <div style="margin-left:8.75pt;margin-right:18pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">amount</span><span style="color:#000000;font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">7</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-collapse:collapse;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:540pt;table-layout:auto;"> <tr style="height:35pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.625pt;vertical-align:Top;width:180pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:18pt;margin-right:8.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Mortality and Expense Risk </span></div> <div style="margin-left:18pt;margin-right:8.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Charge</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.625pt;vertical-align:Top;width:180pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:8.75pt;margin-right:8.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">On Date of Issue and monthly </span></div> <div style="margin-left:8.75pt;margin-right:8.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">thereafter</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:4.625pt;vertical-align:Top;width:180pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:8.75pt;margin-right:18pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">0.082</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">% of the </span><a href="#subaccount_b81d8c51-c9d0-4959-92f0-688ce29cc428"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Subaccount</span></a><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> value</span><span style="color:#000000;font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">8</span></div></div></td></tr> <tr style="height:39.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:6pt;padding-top:4.625pt;vertical-align:Top;width:180pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:18pt;margin-right:8.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Monthly Unit Charge</span><span style="color:#000000;font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">9</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:6pt;padding-top:4.625pt;vertical-align:Top;width:180pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:8.75pt;margin-right:8.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">On Date of Issue and monthly after </span></div> <div style="margin-left:8.75pt;margin-right:8.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">issue, and monthly after a </span><a href="#faceamount_a8749c30-2907-4f44-b044-af3c0f430f3d"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Face </span></a></div> <div style="margin-left:8.75pt;margin-right:8.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Amount Increase</span></div></div></td> <td style="padding-bottom:6pt;padding-top:4.625pt;vertical-align:Top;width:180pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:8.75pt;margin-right:18pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td></tr></table><span style="color:#000000;font-family:Arial;font-size:5pt;position:relative;top:-3.25pt;">6</span><span style="color:#000000;font-family:Arial;font-size:8pt;"> Cost of insurance charges depend on the </span><a href="#insured_b3d078f5-a752-456b-8349-277d36720ff4"><span style="color:#000000;font-family:Arial;font-size:8pt;">Insured’s</span></a><span style="color:#000000;font-family:Arial;font-size:8pt;line-height:11pt;"> </span><a href="#issueage_0b9d38df-a5da-4eb0-9690-d48cc26437cd"><span style="color:#000000;font-family:Arial;font-size:8pt;">Issue Age</span></a><span style="color:#000000;font-family:Arial;font-size:8pt;">, sex (in most states), risk amount, </span><a href="#faceamount_a8749c30-2907-4f44-b044-af3c0f430f3d"><span style="color:#000000;font-family:Arial;font-size:8pt;">Face Amount</span></a><span style="color:#000000;font-family:Arial;font-size:8pt;">, risk class and duration of the </span><a href="#contract_4c6df2ac-32dd-4221-b67e-8854ecc20b06"><span style="color:#000000;font-family:Arial;font-size:8pt;">Contract</span></a><span style="color:#000000;font-family:Arial;font-size:8pt;">. The Cost of Insurance Charge shown may not be representative of the charge that you will pay.</span> <div> </div><span style="color:#000000;font-family:Arial;font-size:5pt;position:relative;top:-3.25pt;">7</span><span style="color:#000000;font-family:Arial;font-size:8pt;"> For more information on the calculation of this charge see Charges.</span> <div> </div><span style="color:#000000;font-family:Arial;font-size:5pt;position:relative;top:-3.25pt;">8</span><span style="color:#000000;font-family:Arial;font-size:8pt;"> Actual current charge is less. For more information on the calculation of this charge see Charges.</span> <div> </div><span style="color:#000000;font-family:Arial;font-size:5pt;position:relative;top:-3.25pt;">9</span><span style="color:#000000;font-family:Arial;font-size:8pt;"> The charge applies for the first 180 months after issue and the first 180 months after an increase in </span><a href="#faceamount_a8749c30-2907-4f44-b044-af3c0f430f3d"><span style="color:#000000;font-family:Arial;font-size:8pt;">Face Amount</span></a><span style="color:#000000;font-family:Arial;font-size:8pt;">. See Charges.</span><span style="color:#000000;font-family:Times New Roman;font-size:12pt;font-weight:bold;">Periodic Charges Other Than Annual Portfolio Expenses, cont.</span> <table cellpadding="0" cellspacing="0" style="border-collapse:collapse;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:540pt;table-layout:auto;"> <tr style="border-left:0.1pt hidden;border-right:0.1pt hidden;border-top:0.1pt hidden;height:15pt;"> <td style="padding-bottom:9pt;padding-top:9pt;vertical-align:Bottom;width:180pt;"> <div style="line-height:9pt;text-align:left;"> <div style="margin-left:18pt;margin-right:8.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Charge</span></div></div></td> <td style="padding-bottom:9pt;padding-top:9pt;vertical-align:Bottom;width:180pt;"> <div style="line-height:9pt;text-align:left;"> <div style="margin-left:8.75pt;margin-right:8.75pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">When Charge is Deducted</span></div></div></td> <td style="padding-bottom:9pt;padding-top:9pt;vertical-align:Bottom;width:180pt;"> <div style="line-height:9pt;text-align:left;"> <div style="margin-left:8.75pt;margin-right:18pt;text-align:Center;white-space:normal;"><span style="color:#000000;font-family:Times New Roman;font-size:10pt;font-weight:bold;">Amount Deducted</span></div></div></td></tr> <tr style="height:21pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:6pt;padding-top:4.625pt;vertical-align:Top;width:180pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:18pt;margin-right:8.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12.0pt;">Maximum Charge</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:6pt;padding-top:4.625pt;vertical-align:Top;width:180pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:8.75pt;margin-right:8.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td> <td style="padding-bottom:6pt;padding-top:4.625pt;vertical-align:Top;width:180pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:8.75pt;margin-right:18pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">$</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">0.49</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> per $1,000 of </span><a href="#faceamount_a8749c30-2907-4f44-b044-af3c0f430f3d"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Face Amount</span></a></div></div></td></tr> <tr style="height:18pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:6pt;padding-top:3.125pt;vertical-align:Top;width:180pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:18pt;margin-right:8.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12.0pt;">Minimum Charge</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:6pt;padding-top:3.125pt;vertical-align:Top;width:180pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:8.75pt;margin-right:8.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td> <td style="padding-bottom:6pt;padding-top:3.125pt;vertical-align:Top;width:180pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:8.75pt;margin-right:18pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">$</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">0.00</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> per $1,000 of </span><a href="#faceamount_a8749c30-2907-4f44-b044-af3c0f430f3d"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Face Amount</span></a></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-collapse:collapse;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:540pt;table-layout:auto;"> <tr style="height:65pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.625pt;vertical-align:Top;width:180pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:18pt;margin-right:8.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12.0pt;">Charge for a male </span><a href="#insured_b3d078f5-a752-456b-8349-277d36720ff4"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Insured</span></a><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">, </span></div> <div style="margin-left:18pt;margin-right:8.75pt;text-align:Left;white-space:normal;"><a href="#issueage_0b9d38df-a5da-4eb0-9690-d48cc26437cd"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12.0pt;">Issue Age</span></a><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> 45, in the standard </span></div> <div style="margin-left:18pt;margin-right:8.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12.0pt;">non-tobacco risk class with a </span></div> <div style="margin-left:18pt;margin-right:8.75pt;text-align:Left;white-space:normal;"><a href="#faceamount_a8749c30-2907-4f44-b044-af3c0f430f3d"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12.0pt;">Face Amount</span></a><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> of $400,000, in </span></div> <div style="margin-left:18pt;margin-right:8.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12.0pt;">the first </span><a href="#contractyear_d04d68f9-c30f-4ca7-92ba-eaa6bdd6bc74"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Contract Year</span></a><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.625pt;vertical-align:Top;width:180pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:8.75pt;margin-right:8.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:4.625pt;vertical-align:Top;width:180pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:8.75pt;margin-right:18pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">$0.10 per $1,000 of </span><a href="#faceamount_a8749c30-2907-4f44-b044-af3c0f430f3d"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Face Amount</span></a></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-collapse:collapse;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:540pt;table-layout:auto;"> <tr style="height:35pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.625pt;vertical-align:Top;width:180pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:18pt;margin-right:8.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Basic Monthly Charge</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.625pt;vertical-align:Top;width:180pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:8.75pt;margin-right:8.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">On the Date of Issue and monthly </span></div> <div style="margin-left:8.75pt;margin-right:8.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">thereafter</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:4.625pt;vertical-align:Top;width:180pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:8.75pt;margin-right:18pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">$</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">9.00</span><span style="color:#000000;font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">10</span></div></div></td></tr> <tr style="height:24pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.625pt;padding-top:4.625pt;vertical-align:Top;width:180pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:18pt;margin-right:8.75pt;text-align:Left;white-space:normal;"><a href="#debt_3625140a-0e67-453c-b30b-6afd87653c79"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Debt</span></a><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> Interest</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.625pt;padding-top:4.625pt;vertical-align:Top;width:180pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:8.75pt;margin-right:8.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Accrues daily</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:4.625pt;padding-top:4.625pt;vertical-align:Top;width:180pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:8.75pt;margin-right:18pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"><span style="-sec-ix-hidden:c528198b-9ec8-42ab-a51e-e8b15c05ea01">4.0</span></span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">% Net Interest Rate on </span><a href="#debt_3625140a-0e67-453c-b30b-6afd87653c79"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Debt</span></a><span style="color:#000000;font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">11</span></div></div></td></tr> <tr style="height:24pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:9pt;padding-top:4.625pt;vertical-align:Top;width:180pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:18pt;margin-right:8.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Optional Benefits Charge:</span><span style="color:#000000;font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">12</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:9pt;padding-top:4.625pt;vertical-align:Top;width:180pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:8.75pt;margin-right:8.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td> <td style="padding-bottom:9pt;padding-top:4.625pt;vertical-align:Top;width:180pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:8.75pt;margin-right:18pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td></tr> <tr style="height:32pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:6pt;padding-top:4.625pt;vertical-align:Top;width:180pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:18pt;margin-right:8.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;margin-left:12.0pt;">Disability Waiver of Monthly </span></div> <div style="margin-left:18pt;margin-right:8.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;margin-left:12.0pt;">Deduction Benefit</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:6pt;padding-top:4.625pt;vertical-align:Top;width:180pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:8.75pt;margin-right:8.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">On the rider date of issue and </span></div> <div style="margin-left:8.75pt;margin-right:8.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">monthly thereafter</span></div></div></td> <td style="padding-bottom:6pt;padding-top:4.625pt;vertical-align:Top;width:180pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:8.75pt;margin-right:18pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td></tr> <tr style="height:29pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:6pt;padding-top:3.125pt;vertical-align:Top;width:180pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:18pt;margin-right:8.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12.0pt;">Maximum</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:6pt;padding-top:3.125pt;vertical-align:Top;width:180pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:8.75pt;margin-right:8.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td> <td style="padding-bottom:6pt;padding-top:3.125pt;vertical-align:Top;width:180pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:8.75pt;margin-right:18pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"><span style="-sec-ix-hidden:a42b317b-cb52-4df2-8c10-746f6172947f">195.5</span></span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">% of all monthly </span></div> <div style="margin-left:8.75pt;margin-right:18pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">deductions</span><span style="color:#000000;font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">13</span></div></div></td></tr> <tr style="height:18pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:6pt;padding-top:3.125pt;vertical-align:Top;width:180pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:18pt;margin-right:8.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12.0pt;">Minimum</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:6pt;padding-top:3.125pt;vertical-align:Top;width:180pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:8.75pt;margin-right:8.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td> <td style="padding-bottom:6pt;padding-top:3.125pt;vertical-align:Top;width:180pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:8.75pt;margin-right:18pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"><span style="-sec-ix-hidden:x_3ba2a30e-1425-419d-86a7-5ddf3becd67c">4.8</span></span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">% of all monthly deductions</span><span style="color:#000000;font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">13</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-collapse:collapse;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:540pt;table-layout:auto;"> <tr style="height:43pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.625pt;vertical-align:Top;width:180pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:18pt;margin-right:8.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12.0pt;">Charge for a male </span><a href="#insured_b3d078f5-a752-456b-8349-277d36720ff4"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Insured</span></a><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">, </span></div> <div style="margin-left:18pt;margin-right:8.75pt;text-align:Left;white-space:normal;"><a href="#issueage_0b9d38df-a5da-4eb0-9690-d48cc26437cd"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12.0pt;">Issue Age</span></a><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> 45, in the standard </span></div> <div style="margin-left:18pt;margin-right:8.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12.0pt;">risk class</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.625pt;vertical-align:Top;width:180pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:8.75pt;margin-right:8.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:4.625pt;vertical-align:Top;width:180pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:8.75pt;margin-right:18pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">9.5% of all monthly deductions</span><span style="color:#000000;font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">13</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-collapse:collapse;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:540pt;table-layout:auto;"> <tr style="height:35pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:9pt;vertical-align:Top;width:180pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:18pt;margin-right:8.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Guaranteed Increase Option</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:9pt;vertical-align:Top;width:180pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:8.75pt;margin-right:8.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">On the rider date of issue and </span></div> <div style="margin-left:8.75pt;margin-right:8.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">monthly thereafter</span></div></div></td> <td style="padding-bottom:9pt;vertical-align:Top;width:180pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:8.75pt;margin-right:18pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td></tr> <tr style="height:32pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:6pt;padding-top:4.625pt;vertical-align:Top;width:180pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:18pt;margin-right:8.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12.0pt;">Maximum</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:6pt;padding-top:4.625pt;vertical-align:Top;width:180pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:8.75pt;margin-right:8.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td> <td style="padding-bottom:6pt;padding-top:4.625pt;vertical-align:Top;width:180pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:8.75pt;margin-right:18pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">$</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">0.21</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> per $1,000 of rider </span></div> <div style="margin-left:8.75pt;margin-right:18pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">coverage amount</span><span style="color:#000000;font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">14</span></div></div></td></tr> <tr style="height:29pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:6pt;padding-top:3.125pt;vertical-align:Top;width:180pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:18pt;margin-right:8.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12.0pt;">Minimum</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:6pt;padding-top:3.125pt;vertical-align:Top;width:180pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:8.75pt;margin-right:8.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td> <td style="padding-bottom:6pt;padding-top:3.125pt;vertical-align:Top;width:180pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:8.75pt;margin-right:18pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">$</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">0.03</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> per $1,000 of rider </span></div> <div style="margin-left:8.75pt;margin-right:18pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">coverage amount</span><span style="color:#000000;font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">14</span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-collapse:collapse;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:540pt;table-layout:auto;"> <tr style="height:25.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:6pt;vertical-align:Top;width:180pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:18pt;margin-right:8.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12.0pt;">Charge for an </span><a href="#insured_b3d078f5-a752-456b-8349-277d36720ff4"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Insured</span></a><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">, </span><a href="#issueage_0b9d38df-a5da-4eb0-9690-d48cc26437cd"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Issue </span></a></div> <div style="margin-left:18pt;margin-right:8.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12.0pt;">Age</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">0</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:6pt;vertical-align:Top;width:180pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:8.75pt;margin-right:8.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td> <td style="padding-bottom:6pt;vertical-align:Top;width:180pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:8.75pt;margin-right:18pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">$0.03 per $1,000 of rider </span></div> <div style="margin-left:8.75pt;margin-right:18pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">coverage amount</span><span style="color:#000000;font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">14</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial;font-size:5pt;position:relative;top:-3.25pt;">10</span><span style="color:#000000;font-family:Arial;font-size:8pt;"> Charge for adults (issue age 18+) is $9.00 per month. For juvenile (issue age 0-17) </span><a href="#contract_4c6df2ac-32dd-4221-b67e-8854ecc20b06"><span style="color:#000000;font-family:Arial;font-size:8pt;">Contracts</span></a><span style="color:#000000;font-family:Arial;font-size:8pt;">, the charge is $7.50 per month.</span> <div> </div><span style="color:#000000;font-family:Arial;font-size:5pt;position:relative;top:-3.25pt;">11</span><span style="color:#000000;font-family:Arial;font-size:8pt;"> The maximum net interest charged on </span><a href="#debt_3625140a-0e67-453c-b30b-6afd87653c79"><span style="color:#000000;font-family:Arial;font-size:8pt;">Debt</span></a><span style="color:#000000;font-family:Arial;font-size:8pt;"> is 4.0%. The gross annual interest rate charged on </span><a href="#debt_3625140a-0e67-453c-b30b-6afd87653c79"><span style="color:#000000;font-family:Arial;font-size:8pt;">Debt</span></a><span style="color:#000000;font-family:Arial;font-size:8pt;"> is 6.0% and for amounts that are transferred as collateral to the </span><a href="#loanaccount_c29af8ed-d2b3-4876-9b13-ff3002e526cb"><span style="color:#000000;font-family:Arial;font-size:8pt;">Loan Account</span></a><span style="color:#000000;font-family:Arial;font-size:8pt;"> we pay a minimum effective annual rate of 2.0%. We may pay a rate greater than 2.0%.</span> <div> </div><span style="color:#000000;font-family:Arial;font-size:5pt;position:relative;top:-3.25pt;">12</span><span style="color:#000000;font-family:Arial;font-size:8pt;"> Charges for </span><a href="#additionalbenefits_e95ad0c3-c18b-4179-9766-1f6fd1796eee"><span style="color:#000000;font-family:Arial;font-size:8pt;">Additional Benefits</span></a><span style="color:#000000;font-family:Arial;font-size:8pt;"> vary based on </span><a href="#attainedage_caf75f90-1cd7-48e4-8891-62a1a1514ed4"><span style="color:#000000;font-family:Arial;font-size:8pt;">Attained Age</span></a><span style="color:#000000;font-family:Arial;font-size:8pt;"> or </span><a href="#issueage_0b9d38df-a5da-4eb0-9690-d48cc26437cd"><span style="color:#000000;font-family:Arial;font-size:8pt;">Issue Age</span></a><span style="color:#000000;font-family:Arial;font-size:8pt;">, sex (in most states), risk class, </span><a href="#faceamount_a8749c30-2907-4f44-b044-af3c0f430f3d"><span style="color:#000000;font-family:Arial;font-size:8pt;">Face Amount</span></a><span style="color:#000000;font-family:Arial;font-size:8pt;">, risk amount, or rider coverage amount. Charges based on age may increase as the </span><a href="#insured_b3d078f5-a752-456b-8349-277d36720ff4"><span style="color:#000000;font-family:Arial;font-size:8pt;">Insured</span></a><span style="color:#000000;font-family:Arial;font-size:8pt;"> ages. The charges noted apply if the rider is included in your </span><a href="#contract_4c6df2ac-32dd-4221-b67e-8854ecc20b06"><span style="color:#000000;font-family:Arial;font-size:8pt;">Contract</span></a><span style="color:#000000;font-family:Arial;font-size:8pt;"> and the </span><a href="#contract_4c6df2ac-32dd-4221-b67e-8854ecc20b06"><span style="color:#000000;font-family:Arial;font-size:8pt;">Contract </span></a><span style="color:#000000;font-family:Arial;font-size:8pt;">and/or rider has not otherwise terminated. Before you purchase a </span><a href="#contract_4c6df2ac-32dd-4221-b67e-8854ecc20b06"><span style="color:#000000;font-family:Arial;font-size:8pt;">Contract</span></a><span style="color:#000000;font-family:Arial;font-size:8pt;">, we will provide you a free personalized illustration of your future benefits under the </span><a href="#contract_4c6df2ac-32dd-4221-b67e-8854ecc20b06"><span style="color:#000000;font-family:Arial;font-size:8pt;">Contract</span></a><span style="color:#000000;font-family:Arial;font-size:8pt;">.</span> <div> </div><span style="color:#000000;font-family:Arial;font-size:5pt;position:relative;top:-3.25pt;">13</span><span style="color:#000000;font-family:Arial;font-size:8pt;"> The charge applies until </span><a href="#insured_b3d078f5-a752-456b-8349-277d36720ff4"><span style="color:#000000;font-family:Arial;font-size:8pt;">Insured’s</span></a><span style="color:#000000;font-family:Arial;font-size:8pt;line-height:11pt;"> </span><a href="#attainedage_caf75f90-1cd7-48e4-8891-62a1a1514ed4"><span style="color:#000000;font-family:Arial;font-size:8pt;">Attained Age</span></a><span style="color:#000000;font-family:Arial;font-size:8pt;"> 65. Monthly deductions include cost of insurance charge, benefit rider charges, basic monthly charge, monthly unit charge, and mortality and expense risk charge.</span> <div> </div><span style="color:#000000;font-family:Arial;font-size:5pt;position:relative;top:-3.25pt;">14</span><span style="color:#000000;font-family:Arial;font-size:8pt;"> The charge applies until the first rider anniversary on or after </span><a href="#insured_b3d078f5-a752-456b-8349-277d36720ff4"><span style="color:#000000;font-family:Arial;font-size:8pt;">Insured’s</span></a><span style="color:#000000;font-family:Arial;font-size:8pt;"> age 49.</span> <span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Cost of Insurance Charge</span><span style="color:#000000;font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">6</span> <span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">On Date of Issue and monthly </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">thereafter</span> 0.833333 0.000058 <table cellpadding="0" cellspacing="0" style="border-collapse:collapse;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:540pt;table-layout:auto;"> <tr style="height:65pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.625pt;vertical-align:Top;width:180pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:18pt;margin-right:8.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12.0pt;">Charge for a male </span><a href="#insured_b3d078f5-a752-456b-8349-277d36720ff4"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Insured</span></a><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">, </span></div> <div style="margin-left:18pt;margin-right:8.75pt;text-align:Left;white-space:normal;"><a href="#issueage_0b9d38df-a5da-4eb0-9690-d48cc26437cd"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12.0pt;">Issue Age</span></a><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> 45, in the standard </span></div> <div style="margin-left:18pt;margin-right:8.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12.0pt;">non-tobacco risk class with a </span></div> <div style="margin-left:18pt;margin-right:8.75pt;text-align:Left;white-space:normal;"><a href="#faceamount_a8749c30-2907-4f44-b044-af3c0f430f3d"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12.0pt;">Face Amount</span></a><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> of $400,000, in </span></div> <div style="margin-left:18pt;margin-right:8.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12.0pt;">the first </span><a href="#contractyear_d04d68f9-c30f-4ca7-92ba-eaa6bdd6bc74"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Contract Year</span></a><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.625pt;vertical-align:Top;width:180pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:8.75pt;margin-right:8.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:4.625pt;vertical-align:Top;width:180pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:8.75pt;margin-right:18pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">$0.0858 per $1,000 of risk </span></div> <div style="margin-left:8.75pt;margin-right:18pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">amount</span><span style="color:#000000;font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">7</span></div></div></td></tr></table> <span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Mortality and Expense Risk </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Charge</span> <span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">On Date of Issue and monthly </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">thereafter</span> 0.00082 <span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Monthly Unit Charge</span><span style="color:#000000;font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">9</span> <span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">On Date of Issue and monthly after </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">issue, and monthly after a </span><a href="#faceamount_a8749c30-2907-4f44-b044-af3c0f430f3d"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Face </span></a><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Amount Increase</span> 0.0049 0.0000 <table cellpadding="0" cellspacing="0" style="border-collapse:collapse;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:540pt;table-layout:auto;"> <tr style="height:65pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.625pt;vertical-align:Top;width:180pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:18pt;margin-right:8.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12.0pt;">Charge for a male </span><a href="#insured_b3d078f5-a752-456b-8349-277d36720ff4"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Insured</span></a><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">, </span></div> <div style="margin-left:18pt;margin-right:8.75pt;text-align:Left;white-space:normal;"><a href="#issueage_0b9d38df-a5da-4eb0-9690-d48cc26437cd"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12.0pt;">Issue Age</span></a><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> 45, in the standard </span></div> <div style="margin-left:18pt;margin-right:8.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12.0pt;">non-tobacco risk class with a </span></div> <div style="margin-left:18pt;margin-right:8.75pt;text-align:Left;white-space:normal;"><a href="#faceamount_a8749c30-2907-4f44-b044-af3c0f430f3d"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12.0pt;">Face Amount</span></a><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> of $400,000, in </span></div> <div style="margin-left:18pt;margin-right:8.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12.0pt;">the first </span><a href="#contractyear_d04d68f9-c30f-4ca7-92ba-eaa6bdd6bc74"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Contract Year</span></a><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.625pt;vertical-align:Top;width:180pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:8.75pt;margin-right:8.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:4.625pt;vertical-align:Top;width:180pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:8.75pt;margin-right:18pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">$0.10 per $1,000 of </span><a href="#faceamount_a8749c30-2907-4f44-b044-af3c0f430f3d"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Face Amount</span></a></div></div></td></tr></table> <span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Basic Monthly Charge</span> <span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">On the Date of Issue and monthly </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">thereafter</span> 9.00 <span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Debt</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;"> Interest</span> <span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Accrues daily</span> <span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;margin-left:12.0pt;">Disability Waiver of Monthly </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;margin-left:12.0pt;">Deduction Benefit</span> <span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">On the rider date of issue and </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">monthly thereafter</span> <table cellpadding="0" cellspacing="0" style="border-collapse:collapse;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:540pt;table-layout:auto;"> <tr style="height:43pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.625pt;vertical-align:Top;width:180pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:18pt;margin-right:8.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12.0pt;">Charge for a male </span><a href="#insured_b3d078f5-a752-456b-8349-277d36720ff4"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Insured</span></a><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">, </span></div> <div style="margin-left:18pt;margin-right:8.75pt;text-align:Left;white-space:normal;"><a href="#issueage_0b9d38df-a5da-4eb0-9690-d48cc26437cd"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12.0pt;">Issue Age</span></a><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> 45, in the standard </span></div> <div style="margin-left:18pt;margin-right:8.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12.0pt;">risk class</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:4.625pt;vertical-align:Top;width:180pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:8.75pt;margin-right:8.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:4.625pt;vertical-align:Top;width:180pt;"> <div style="line-height:12.0pt;text-align:left;"> <div style="margin-left:8.75pt;margin-right:18pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">9.5% of all monthly deductions</span><span style="color:#000000;font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">13</span></div></div></td></tr></table> <span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;font-weight:bold;margin-left:0.0pt;">Guaranteed Increase Option</span> <span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">On the rider date of issue and </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">monthly thereafter</span> 0.0021 0.0003 <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-collapse:collapse;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;empty-cells:show;width:540pt;table-layout:auto;"> <tr style="height:25.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:6pt;vertical-align:Top;width:180pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:18pt;margin-right:8.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12.0pt;">Charge for an </span><a href="#insured_b3d078f5-a752-456b-8349-277d36720ff4"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Insured</span></a><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">, </span><a href="#issueage_0b9d38df-a5da-4eb0-9690-d48cc26437cd"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Issue </span></a></div> <div style="margin-left:18pt;margin-right:8.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:12.0pt;">Age</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">0</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:6pt;vertical-align:Top;width:180pt;"> <div style="line-height:0.5pt;text-align:left;"> <div style="margin-left:8.75pt;margin-right:8.75pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> </span></div></div></td> <td style="padding-bottom:6pt;vertical-align:Top;width:180pt;"> <div style="line-height:11pt;text-align:left;"> <div style="margin-left:8.75pt;margin-right:18pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">$0.03 per $1,000 of rider </span></div> <div style="margin-left:8.75pt;margin-right:18pt;text-align:Left;white-space:normal;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">coverage amount</span><span style="color:#000000;font-family:Arial;font-size:6.5pt;margin-left:0.0pt;position:relative;top:-4.25pt;">14</span></div></div></td></tr></table> <span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">The next item shows the minimum and maximum total annual operating expenses charged by the </span><a href="#portfolio_142de97d-5295-4b78-9ff4-8df8143e1671"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Portfolios</span></a><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;"> that investors will bear during the time that they own the </span><a href="#contract_4c6df2ac-32dd-4221-b67e-8854ecc20b06"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Contract</span></a><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">. This table shows the range (maximum and minimum) of fees and expenses (including management fees and other expenses) charged by the </span><a href="#portfolio_142de97d-5295-4b78-9ff4-8df8143e1671"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Portfolios</span></a><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">, expressed as an annual percentage of average daily net assets. A complete list of the </span><a href="#portfolio_142de97d-5295-4b78-9ff4-8df8143e1671"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Portfolios</span></a><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;"> corresponding to </span><a href="#subaccount_b81d8c51-c9d0-4959-92f0-688ce29cc428"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Subaccounts</span></a><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;"> available under the </span><a href="#contract_4c6df2ac-32dd-4221-b67e-8854ecc20b06"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Contract</span></a><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">, including their annual expenses, may be found at the back of this document in the </span><a href="#appendix_4120e47a-5ac2-4b99-939d-467ce0e3038b"><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Appendix</span></a><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">.</span><span style="color:#000000;font-family:Arial;font-size:1pt;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:540pt;"> <tr style="height:15.5pt;"> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Bottom;width:428.04pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:18pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">Annual </span><a href="#portfolio_142de97d-5295-4b78-9ff4-8df8143e1671"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">Portfolio</span></a><span style="font-family:Arial;font-size:9pt;font-weight:bold;"> Expenses</span></div></div></td> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Bottom;width:46.48pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">MINIMUM</span></div></div></td> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Bottom;width:65.48pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:18pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:9pt;font-weight:bold;">MAXIMUM</span></div></div></td></tr> <tr style="height:25pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:428.04pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:18pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Expenses that are deducted from </span><a href="#portfolio_142de97d-5295-4b78-9ff4-8df8143e1671"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Portfolio</span></a><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> assets, including management fees, distribution </span></div> <div style="margin-left:18pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">fees and other expenses.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:46.48pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">0.22%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:65.48pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:18pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">1.52%</span></div></div></td></tr> <tr style="height:24.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.625pt;vertical-align:Top;width:428.04pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:18pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Expenses that are deducted from </span><a href="#portfolio_142de97d-5295-4b78-9ff4-8df8143e1671"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Portfolio</span></a><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> assets, after reimbursements and/or fee </span></div> <div style="margin-left:18pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">waivers.*</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.625pt;vertical-align:Top;width:46.48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">0.22%</span></div></div></td> <td style="padding-bottom:3pt;padding-top:1.625pt;vertical-align:Top;width:65.48pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:18pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">1.15%*</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial;font-size:6.5pt;position:relative;top:-4.25pt;">* The reimbursements and/or fee waivers will last until April 30, 2026, but may be terminated at any time in the future.</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:13pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;">As a fraternal benefit society, Thrivent is also required to have a Maintenance of Solvency provision that could require you to pay us an amount to maintain our financial strength. For a complete discussion of the Maintenance of Solvency provision, see </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">Maintenance of Solvency </span><span style="color:#000000;font-family:Arial;font-size:10pt;">in the statutory prospectus</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">.</span> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Expenses that are deducted from </span><a href="#portfolio_142de97d-5295-4b78-9ff4-8df8143e1671"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Portfolio</span></a><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;"> assets, including management fees, distribution </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">fees and other expenses.</span> 0.0022 0.0152 <span style="color:#000000;font-family:Arial;font-size:6.5pt;position:relative;top:-4.25pt;">* The reimbursements and/or fee waivers will last until April 30, 2026, but may be terminated at any time in the future.</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:13pt;"> </span> <span id="principal_93e86af5-e8f9-4131-a88b-8192dd2ab159" style="color:#000000;font-family:Times New Roman;font-size:18pt;">Principal Risks of Investing in the Contract</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Investment Risk </span><span style="color:#000000;font-family:Arial;font-size:10pt;">The assets in each Subaccount are invested in a corresponding Portfolio of the Fund. If you invest your Accumulated Value in one or more Subaccounts, then you will be subject to the risk that investment performance of the Portfolios corresponding to the Subaccounts will be unfavorable and that the Accumulated Value will decrease. If your investment performance is very poor, you could lose everything you invest and your Contract could lapse without value, unless you pay additional premium. If you allocate premiums to the Fixed Accounts, then we credit your accumulated value in the Fixed Accounts with a declared rate of interest. You assume the risk that the rate may decrease, although the Fixed Account rate will never be lower than a guaranteed minimum annual effective rate of 2.0%.</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Risk of Lapse </span><span style="color:#000000;font-family:Arial;font-size:10pt;">If your monthly deductions exceed your Cash Surrender Value, then unless your Contract has an active No-Lapse Guarantee in effect your Contract will enter a 61-day grace period. We will notify you that your Contract will lapse (that is, terminate without value) if you do not send us a sufficient payment by a specified date. Your Contract generally will not lapse: </span><span style="color:#000000;font-family:Arial;font-size:8pt;">♦ </span><span style="color:#000000;font-family:Arial;font-size:10pt;">if you make timely payment of the minimum premium amount required to keep the No-Lapse Guarantee in effect; or </span><span style="color:#000000;font-family:Arial;font-size:8pt;">♦ </span><span style="color:#000000;font-family:Arial;font-size:10pt;">if during the grace period you make a sufficient premium payment. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Subject to certain conditions, you may reinstate a lapsed Contract.</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Tax Risks </span><span style="color:#000000;font-family:Arial;font-size:10pt;">We anticipate that the Contract should be deemed a life insurance contract under federal tax law. However, the federal income tax requirements applicable to the Contract are complex and there is limited guidance and some uncertainty about the application of the federal tax law to the Contract. Assuming that the Contract qualifies as a life insurance contract for federal income tax purposes, you should not be deemed to be in constructive receipt of Accumulated Value until there is a distribution from the Contract. In addition, assuming the Contract continues to qualify as a life insurance contract beyond age 100, you should not be deemed to be in constructive receipt upon attainment of age 100. Under current tax law, Death Proceeds payable under the Contract generally would be excludable from the gross income of the Beneficiary. As a result, the Beneficiary generally should not have to pay U.S. federal income tax on the Death Proceeds. However, Death Proceeds may be subject to state and/or federal estate and/or inheritance tax. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Depending on the total amount of premiums you pay and the frequency of such payments, the Contract may be treated as a MEC under federal tax laws. If a contract is treated as a MEC, then surrenders, partial surrenders, collateral assignments, loans and loan interest under the Contract will be taxable as ordinary income to the extent there are earnings in the Contract. In addition, a 10% penalty tax may be imposed on surrenders, partial surrenders, collateral assignments and loans (including loan interest) taken before you reach age 59</span><span style="color:#000000;font-family:Arial;font-size:6.5pt;position:relative;top:-4.25pt;">1⁄2</span><span style="color:#000000;font-family:Arial;font-size:10pt;">. If the Contract is not a MEC, </span><span style="color:#000000;font-family:Arial;font-size:10pt;">distributions generally will be treated first as a return of your investment in the Contract and then as taxable income. Moreover, loans generally will not be treated as distributions. Finally, neither distributions nor loans from a Contract that is not a MEC are subject to the 10% penalty tax. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">If the Contract lapses and a loan is outstanding, you may be deemed to be in receipt of taxable income from the Contract. Additionally, if the Contract lapses and is later reinstated, the Contract may be treated as a MEC. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">We make no guarantees regarding any tax treatment— federal, state or local—of any Contract or of any transaction involving a Contract. You should consult a qualified tax advisor for assistance in all Contract-related tax matters.</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Surrender and Partial Surrender Risks </span><span style="color:#000000;font-family:Arial;font-size: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 Accumulated Value in the near future. We designed the Contract to meet long-term financial goals. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">A Decrease Charge will be assessed if the Contract is surrendered in the first 10 Contract Years after the Date of Issue and for 10 years after each increase in Face Amount. If a partial surrender results in a decrease in Face Amount, a Decrease Charge applies to Face Amount decreases during the first 10 Contract Years after the Date of Issue and for 10 years after each increase in Face Amount. If you select a level Death Benefit Option, a partial surrender will generally reduce the Face Amount of the Contract. Depending on the amount of premium paid, or any Decrease Charges, there may be little or no Cash Surrender Value available to you at the time you surrender your Contract. Decrease Charges reduce your Cash Surrender Value and your Cash Surrender Value may be less than the premiums paid. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Even if you do not ask to surrender your Contract, Decrease Charges may play a role in determining whether your Contract will lapse (terminate without value). This is because Decrease Charges affect the Cash Surrender Value, a measure we use to determine whether your Contract will enter a grace period (and possibly lapse). See </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">Risk of Lapse</span><span style="color:#000000;font-family:Arial;font-size:10pt;"> in this section. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">A partial surrender will reduce Accumulated Value, Death Benefit and the amount of premiums considered paid to meet the No-Lapse Guarantee Premium requirement. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">A surrender or partial surrender may have tax consequences.</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Loan Risks </span><span style="color:#000000;font-family:Arial;font-size:10pt;">A Contract loan will affect the Accumulated Value over time because we transfer the amount of the Debt from the Subaccounts and/or Fixed Accounts to the Loan Account where the value serves as collateral to assure repayment of the loan. This loan collateral does not participate in the investment performance of the Subaccounts. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">The loan will grow and must be repaid. If the loan is not repaid during the Insured’s life, we reduce the amount we pay on the Insured’s death by the amount of any outstanding Debt to repay the loan. Your Contract may lapse (terminate without value) if your Debt reduces the Cash Surrender Value to less than zero. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Debt will reduce your Cash Surrender Value, Death Proceeds and the amount of premiums considered to meet the No-Lapse Guarantee Premium requirement. If you surrender the Contract or allow it to lapse while a Contract loan is outstanding, the Loan Account collateral will be used to repay the Debt and the amount of Debt, to the extent it has not previously been taxed, will be considered part of the amount you have received and taxed accordingly. Loans may have immediate tax consequences if your Contract is a MEC even if you do not surrender the Contract or allow it to lapse.</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Portfolio Risks </span><span style="color:#000000;font-family:Arial;font-size:10pt;">A comprehensive discussion of the risks of each Portfolio in which the Subaccounts invest may be found in the summary prospectus for each Fund. Please refer to the summary prospectus for the Fund for more information. There is no assurance that any Portfolio will achieve its stated investment objective.</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:13pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Short-Term Investment Risk </span><span style="color:#000000;font-family:Arial;font-size:10pt;">The Contract is not designed for short-term investing and is not appropriate for an investor who needs ready access to cash. The Contract is more beneficial to investors with a long time horizon. Surrender charges, expenses, and tax consequences make the Contract unsuitable as a short-term investment. You should only purchase the Contract if you have the financial ability to keep it in force for a substantial period of time.  The primary reason to buy a life insurance Contract is for the Death Benefit it provides in the event of the Insured’s death. You should not purchase the Contract if you do not need life insurance protection or intend to surrender and/or borrow all or part of the Accumulated Value in the near future. </span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:13pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Insurance Company Risk </span><span style="color:#000000;font-family:Arial;font-size:10pt;">An investment in the Contract is subject to the risks related to Thrivent. Any obligations, guarantees, and benefits of the Contract are subject to the claims-paying ability and financial strength of Thrivent. If Thrivent experiences financial distress, it may not be able to meet its obligations to you.  More information about Thrivent, including its financial strength ratings, is available upon request by calling 1-800-847-4836.</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:13pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Fixed Account Risk</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;line-height:13pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Interest guarantees are subject to Thrivent's claims paying ability.</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:13pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Premium Payment Risk </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Your ability to make additional premium payments may be restricted under the Contract, depending on the version of the Contract that you own, the optional benefits that you have elected, and other factors. We will also have the right to limit or refund a premium payment or make distributions from the Contract as necessary to continue to qualify the Contract as life insurance under federal tax law or to avoid the classification of your Contract as a MEC. The premium refund to prevent MEC status may, in some situations, result in loss of the No-Lapse Guarantee (if applicable) on the Contract. See </span><a href="#premiums_c4278192-e357-4266-97cd-7828cc41de95"><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">Premiums</span></a><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;line-height:13pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;">for more information.</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:13pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Fees and Charges </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Deduction of Contract fees and charges, and optional benefit charges, may result in loss of principal. We reserve the right to increase the fees and charges under the Contract and optional benefits up to the maximum guaranteed fees and charges stated in your Contract or optional benefit rider.</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:13pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Risks Affecting our Administration of Your Contract </span><span style="color:#000000;font-family:Arial;font-size:10pt;">We and our service providers and business partners are subject to certain risks, including those resulting from system failures, cybersecurity events and other disasters. Such events can adversely impact us and our operations. These risks are common to all insurers and financial service providers and may materially impact our ability to administer the Contract (and to keep Contract owner information confidential).</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:13pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Alternatives to the Contract </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Other contracts or investments may provide more favorable returns or benefits than the Contract.</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:13pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Potentially Harmful Transfer Activity </span><span style="font-family:Arial;font-size:10pt;">The Contract is not designed for frequent transfers by anyone. Frequent transfers between Subaccounts may disrupt the underlying Portfolios and could negatively impact performance, by interfering with efficient management and reducing long-term returns, and increasing administrative costs. Frequent transfers may also dilute the value of shares of an underlying Portfolio. Neither the Contracts nor the underlying Portfolios are meant to promote any active trading strategy, like market timing. Allowing frequent transfers by one or some Contract Owners could be at the expense of other Contract Owners. To protect Contract Owners and the underlying Portfolios, we have policies and procedures to deter frequent transfers between and among the Subaccounts. We cannot guarantee that these policies and procedures will be effective in detecting and preventing all transfer activity that could potentially disadvantage or hurt the rights or interests of other Contract Owners.</span><span style="font-family:Arial;font-size:10pt;line-height:13pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Risk of Increase in Current Fees and Expenses </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Certain insurance charges are currently assessed at less than their maximum levels. We may increase these current charges in the future up to the guaranteed maximum levels, based on changes in the Company’s future expectations of relevant factors, as determined in its sole discretion. Although some Portfolios may have expense limitation agreements, the operating expenses of the Portfolios are not guaranteed and may increase or decrease over time. If fees and expenses are increased, you may need to increase the amount and/or frequency of premium payments to keep the Contract in force.</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Cybersecurity Risk </span><span style="color:#000000;font-family:Arial;font-size:10pt;">We and our service providers may be susceptible to operational, cybersecurity, and related risks. In general, cybersecurity events can result from deliberate or unintentional events. Cybersecurity events include, but are not limited to, acts or attempts to gain unauthorized access to information and/or information systems, or to otherwise disrupt operations. Cybersecurity events affecting us, a Subaccount, or our service providers have the ability to disrupt and impact your Contract and our operations, including but not limited to, financial losses, ability to calculate Contract values and benefits, corrupting data or preventing parties from sharing information necessary for our operations, preventing and/or slowing transactions, potentially subjecting us to regulatory fines and penalties, and creating additional compliance costs. Similar types of cybersecurity risks are also present for issuers or securities in which the Subaccounts may invest, which could result in material adverse consequences for such issuers and may cause the Subaccounts’ investments in such companies to lose value. While we and our service providers have established reasonable controls to mitigate the risk of a cybersecurity event, there are inherent limitations in such controls, plans and systems. Additionally, while we do have control frameworks and we do perform due diligence on our service providers, we cannot fully control the cybersecurity plans and systems put in place by our service providers or any other third parties whose operations may affect the Subaccounts or your Contract.  Although we attempt to minimize such failures through controls and oversight, it is not possible to identify all operation risks that may affect the Subaccounts or your Contract, or to develop processes and controls that completely eliminate or mitigate the occurrence of such failures or other disruptions in service. The value of an investment in a Subaccount may be adversely affected by the occurrence of the operational errors, failures, technological issues, or other similar events, and you may bear costs tied to these risks.</span> <span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Investment Risk </span><span style="color:#000000;font-family:Arial;font-size:10pt;">The assets in each Subaccount are invested in a corresponding Portfolio of the Fund. If you invest your Accumulated Value in one or more Subaccounts, then you will be subject to the risk that investment performance of the Portfolios corresponding to the Subaccounts will be unfavorable and that the Accumulated Value will decrease. If your investment performance is very poor, you could lose everything you invest and your Contract could lapse without value, unless you pay additional premium. If you allocate premiums to the Fixed Accounts, then we credit your accumulated value in the Fixed Accounts with a declared rate of interest. You assume the risk that the rate may decrease, although the Fixed Account rate will never be lower than a guaranteed minimum annual effective rate of 2.0%.</span> <span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Risk of Lapse </span><span style="color:#000000;font-family:Arial;font-size:10pt;">If your monthly deductions exceed your Cash Surrender Value, then unless your Contract has an active No-Lapse Guarantee in effect your Contract will enter a 61-day grace period. We will notify you that your Contract will lapse (that is, terminate without value) if you do not send us a sufficient payment by a specified date. Your Contract generally will not lapse: </span><span style="color:#000000;font-family:Arial;font-size:8pt;">♦ </span><span style="color:#000000;font-family:Arial;font-size:10pt;">if you make timely payment of the minimum premium amount required to keep the No-Lapse Guarantee in effect; or </span><span style="color:#000000;font-family:Arial;font-size:8pt;">♦ </span><span style="color:#000000;font-family:Arial;font-size:10pt;">if during the grace period you make a sufficient premium payment. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Subject to certain conditions, you may reinstate a lapsed Contract.</span> <span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Tax Risks </span><span style="color:#000000;font-family:Arial;font-size:10pt;">We anticipate that the Contract should be deemed a life insurance contract under federal tax law. However, the federal income tax requirements applicable to the Contract are complex and there is limited guidance and some uncertainty about the application of the federal tax law to the Contract. Assuming that the Contract qualifies as a life insurance contract for federal income tax purposes, you should not be deemed to be in constructive receipt of Accumulated Value until there is a distribution from the Contract. In addition, assuming the Contract continues to qualify as a life insurance contract beyond age 100, you should not be deemed to be in constructive receipt upon attainment of age 100. Under current tax law, Death Proceeds payable under the Contract generally would be excludable from the gross income of the Beneficiary. As a result, the Beneficiary generally should not have to pay U.S. federal income tax on the Death Proceeds. However, Death Proceeds may be subject to state and/or federal estate and/or inheritance tax. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Depending on the total amount of premiums you pay and the frequency of such payments, the Contract may be treated as a MEC under federal tax laws. If a contract is treated as a MEC, then surrenders, partial surrenders, collateral assignments, loans and loan interest under the Contract will be taxable as ordinary income to the extent there are earnings in the Contract. In addition, a 10% penalty tax may be imposed on surrenders, partial surrenders, collateral assignments and loans (including loan interest) taken before you reach age 59</span><span style="color:#000000;font-family:Arial;font-size:6.5pt;position:relative;top:-4.25pt;">1⁄2</span><span style="color:#000000;font-family:Arial;font-size:10pt;">. If the Contract is not a MEC, </span><span style="color:#000000;font-family:Arial;font-size:10pt;">distributions generally will be treated first as a return of your investment in the Contract and then as taxable income. Moreover, loans generally will not be treated as distributions. Finally, neither distributions nor loans from a Contract that is not a MEC are subject to the 10% penalty tax. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">If the Contract lapses and a loan is outstanding, you may be deemed to be in receipt of taxable income from the Contract. Additionally, if the Contract lapses and is later reinstated, the Contract may be treated as a MEC. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">We make no guarantees regarding any tax treatment— federal, state or local—of any Contract or of any transaction involving a Contract. You should consult a qualified tax advisor for assistance in all Contract-related tax matters.</span> <span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Surrender and Partial Surrender Risks </span><span style="color:#000000;font-family:Arial;font-size: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 Accumulated Value in the near future. We designed the Contract to meet long-term financial goals. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">A Decrease Charge will be assessed if the Contract is surrendered in the first 10 Contract Years after the Date of Issue and for 10 years after each increase in Face Amount. If a partial surrender results in a decrease in Face Amount, a Decrease Charge applies to Face Amount decreases during the first 10 Contract Years after the Date of Issue and for 10 years after each increase in Face Amount. If you select a level Death Benefit Option, a partial surrender will generally reduce the Face Amount of the Contract. Depending on the amount of premium paid, or any Decrease Charges, there may be little or no Cash Surrender Value available to you at the time you surrender your Contract. Decrease Charges reduce your Cash Surrender Value and your Cash Surrender Value may be less than the premiums paid. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Even if you do not ask to surrender your Contract, Decrease Charges may play a role in determining whether your Contract will lapse (terminate without value). This is because Decrease Charges affect the Cash Surrender Value, a measure we use to determine whether your Contract will enter a grace period (and possibly lapse). See </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">Risk of Lapse</span><span style="color:#000000;font-family:Arial;font-size:10pt;"> in this section. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">A partial surrender will reduce Accumulated Value, Death Benefit and the amount of premiums considered paid to meet the No-Lapse Guarantee Premium requirement. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">A surrender or partial surrender may have tax consequences.</span> <span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Loan Risks </span><span style="color:#000000;font-family:Arial;font-size:10pt;">A Contract loan will affect the Accumulated Value over time because we transfer the amount of the Debt from the Subaccounts and/or Fixed Accounts to the Loan Account where the value serves as collateral to assure repayment of the loan. This loan collateral does not participate in the investment performance of the Subaccounts. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">The loan will grow and must be repaid. If the loan is not repaid during the Insured’s life, we reduce the amount we pay on the Insured’s death by the amount of any outstanding Debt to repay the loan. Your Contract may lapse (terminate without value) if your Debt reduces the Cash Surrender Value to less than zero. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Debt will reduce your Cash Surrender Value, Death Proceeds and the amount of premiums considered to meet the No-Lapse Guarantee Premium requirement. If you surrender the Contract or allow it to lapse while a Contract loan is outstanding, the Loan Account collateral will be used to repay the Debt and the amount of Debt, to the extent it has not previously been taxed, will be considered part of the amount you have received and taxed accordingly. Loans may have immediate tax consequences if your Contract is a MEC even if you do not surrender the Contract or allow it to lapse.</span> <span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Portfolio Risks </span><span style="color:#000000;font-family:Arial;font-size:10pt;">A comprehensive discussion of the risks of each Portfolio in which the Subaccounts invest may be found in the summary prospectus for each Fund. Please refer to the summary prospectus for the Fund for more information. There is no assurance that any Portfolio will achieve its stated investment objective.</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:13pt;"> </span> <span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Short-Term Investment Risk </span><span style="color:#000000;font-family:Arial;font-size:10pt;">The Contract is not designed for short-term investing and is not appropriate for an investor who needs ready access to cash. The Contract is more beneficial to investors with a long time horizon. Surrender charges, expenses, and tax consequences make the Contract unsuitable as a short-term investment. You should only purchase the Contract if you have the financial ability to keep it in force for a substantial period of time.  The primary reason to buy a life insurance Contract is for the Death Benefit it provides in the event of the Insured’s death. You should not purchase the Contract if you do not need life insurance protection or intend to surrender and/or borrow all or part of the Accumulated Value in the near future. </span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:13pt;"> </span> <span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Insurance Company Risk </span><span style="color:#000000;font-family:Arial;font-size:10pt;">An investment in the Contract is subject to the risks related to Thrivent. Any obligations, guarantees, and benefits of the Contract are subject to the claims-paying ability and financial strength of Thrivent. If Thrivent experiences financial distress, it may not be able to meet its obligations to you.  More information about Thrivent, including its financial strength ratings, is available upon request by calling 1-800-847-4836.</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:13pt;"> </span> <span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Fixed Account Risk</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;line-height:13pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Interest guarantees are subject to Thrivent's claims paying ability.</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:13pt;"> </span> <span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Premium Payment Risk </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Your ability to make additional premium payments may be restricted under the Contract, depending on the version of the Contract that you own, the optional benefits that you have elected, and other factors. We will also have the right to limit or refund a premium payment or make distributions from the Contract as necessary to continue to qualify the Contract as life insurance under federal tax law or to avoid the classification of your Contract as a MEC. The premium refund to prevent MEC status may, in some situations, result in loss of the No-Lapse Guarantee (if applicable) on the Contract. See </span><a href="#premiums_c4278192-e357-4266-97cd-7828cc41de95"><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">Premiums</span></a><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;line-height:13pt;"> </span><span style="color:#000000;font-family:Arial;font-size:10pt;">for more information.</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:13pt;"> </span> <span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Fees and Charges </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Deduction of Contract fees and charges, and optional benefit charges, may result in loss of principal. We reserve the right to increase the fees and charges under the Contract and optional benefits up to the maximum guaranteed fees and charges stated in your Contract or optional benefit rider.</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:13pt;"> </span> <span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Risks Affecting our Administration of Your Contract </span><span style="color:#000000;font-family:Arial;font-size:10pt;">We and our service providers and business partners are subject to certain risks, including those resulting from system failures, cybersecurity events and other disasters. Such events can adversely impact us and our operations. These risks are common to all insurers and financial service providers and may materially impact our ability to administer the Contract (and to keep Contract owner information confidential).</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:13pt;"> </span> <span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Alternatives to the Contract </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Other contracts or investments may provide more favorable returns or benefits than the Contract.</span><span style="color:#000000;font-family:Arial;font-size:10pt;line-height:13pt;"> </span> <span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Potentially Harmful Transfer Activity </span><span style="font-family:Arial;font-size:10pt;">The Contract is not designed for frequent transfers by anyone. Frequent transfers between Subaccounts may disrupt the underlying Portfolios and could negatively impact performance, by interfering with efficient management and reducing long-term returns, and increasing administrative costs. Frequent transfers may also dilute the value of shares of an underlying Portfolio. Neither the Contracts nor the underlying Portfolios are meant to promote any active trading strategy, like market timing. Allowing frequent transfers by one or some Contract Owners could be at the expense of other Contract Owners. To protect Contract Owners and the underlying Portfolios, we have policies and procedures to deter frequent transfers between and among the Subaccounts. We cannot guarantee that these policies and procedures will be effective in detecting and preventing all transfer activity that could potentially disadvantage or hurt the rights or interests of other Contract Owners.</span><span style="font-family:Arial;font-size:10pt;line-height:13pt;"> </span> <span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Risk of Increase in Current Fees and Expenses </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Certain insurance charges are currently assessed at less than their maximum levels. We may increase these current charges in the future up to the guaranteed maximum levels, based on changes in the Company’s future expectations of relevant factors, as determined in its sole discretion. Although some Portfolios may have expense limitation agreements, the operating expenses of the Portfolios are not guaranteed and may increase or decrease over time. If fees and expenses are increased, you may need to increase the amount and/or frequency of premium payments to keep the Contract in force.</span> <span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Cybersecurity Risk </span><span style="color:#000000;font-family:Arial;font-size:10pt;">We and our service providers may be susceptible to operational, cybersecurity, and related risks. In general, cybersecurity events can result from deliberate or unintentional events. Cybersecurity events include, but are not limited to, acts or attempts to gain unauthorized access to information and/or information systems, or to otherwise disrupt operations. Cybersecurity events affecting us, a Subaccount, or our service providers have the ability to disrupt and impact your Contract and our operations, including but not limited to, financial losses, ability to calculate Contract values and benefits, corrupting data or preventing parties from sharing information necessary for our operations, preventing and/or slowing transactions, potentially subjecting us to regulatory fines and penalties, and creating additional compliance costs. Similar types of cybersecurity risks are also present for issuers or securities in which the Subaccounts may invest, which could result in material adverse consequences for such issuers and may cause the Subaccounts’ investments in such companies to lose value. While we and our service providers have established reasonable controls to mitigate the risk of a cybersecurity event, there are inherent limitations in such controls, plans and systems. Additionally, while we do have control frameworks and we do perform due diligence on our service providers, we cannot fully control the cybersecurity plans and systems put in place by our service providers or any other third parties whose operations may affect the Subaccounts or your Contract.  Although we attempt to minimize such failures through controls and oversight, it is not possible to identify all operation risks that may affect the Subaccounts or your Contract, or to develop processes and controls that completely eliminate or mitigate the occurrence of such failures or other disruptions in service. The value of an investment in a Subaccount may be adversely affected by the occurrence of the operational errors, failures, technological issues, or other similar events, and you may bear costs tied to these risks.</span> <span style="color:#000000;font-family:Times New Roman;font-size:18pt;">Standard Death Benefits </span><span style="color:#000000;font-family:Arial;font-size:10pt;">The primary reason to buy a life insurance Contract is for the Death Benefit it provides in the event of the Insured’s death. At the time of purchase, you must select between two Death Benefit Options: Option 1 (Level Death Benefit Option) or Option 2 (Variable Death Benefit Option). We determine the amount payable (Death Proceeds) depending on the Death Benefit Option in effect on the date of Insured’s death. Death Proceeds payable upon the death of the Insured is the sum </span><span style="color:#000000;font-family:Arial;font-size:10pt;">of the Death Benefit plus any insurance on the Insured’s life provided by Additional Benefits less any Debt and the lesser of (1) unpaid monthly deductions or (2) any unpaid No-Lapse Guarantee Premium. We will also deduct any amount paid by us after the date of death and before we were notified of the death. The Death Benefit will be calculated as of the date of death. </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">When Insurance Coverage Takes Effect </span><span style="color:#000000;font-family:Arial;font-size:10pt;">At the time an application is accepted, subject to Thrivent’s underwriting rules, an applicant can obtain temporary insurance protection pending issuance of the Contract by submitting payment of a full premium for the premium interval selected. If Thrivent subsequently determines that the proposed insured is not an acceptable risk under Thrivent’s underwriting standards or rules, no temporary insurance coverage will have been provided and any premium paid will be refunded without interest. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">No insurance will take effect unless and until all of the following conditions are present and satisfied during the lives of all persons to be insured: (a) the Contract has been issued and delivered to you; (b) the first full premium has been paid; and (c) the health of all persons to be insured remains as stated in the Application. We begin to deduct monthly deductions from your Accumulated Value on the Contract Date. However, monthly deductions will be effective as of the Date of Issue if different from the Contract Date. </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Life Insurance Tax Qualification </span><span style="color:#000000;font-family:Arial;font-size:10pt;">The death benefit for all Contracts must meet the definition of life insurance under Section 7702 of the Code. If your Application was completed prior to September 15, 2020 then the Cash Value Accumulation Test (CVAT) will automatically be used to meet this requirement. If your Application is completed on or after September 15, 2020, then at the time of purchase you must select between two methods that satisfy this tax definition: the CVAT and the Guideline Premium Test (GPT). You cannot change your selection after the Contract is issued. For both tests, the Death Benefit will be at least the Accumulated Value multiplied by a death benefit factor, which varies by Attained Age. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">CVAT: the death benefit factors are based on the risk class and sex (in most states) of the Insured, and any rating. A table of these death benefit factors will be listed in the Contract. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">GPT: the death benefit factors are the cash value corridor factors provided in the Code. A table of these death benefit factors will be listed in the Contract. Premiums may be limited under the GPT, to ensure compliance with the Federal tax laws. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">As this selection cannot be revised, careful consideration should be given to which testing method to choose. Aspects you should consider include the following. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">The CVAT will generally allow larger premiums to be paid relative to the Contract’s Death Benefit, especially in the early Contract years. If you want to maximize Accumulated Values relative to the Contract’s Death Benefit, this test generally will allow larger Accumulated Values relative to the Death Benefit in the early years and lower Accumulated Values relative to the Death Benefit in the later Contract years. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Conversely, Contracts based on the GPT generally require larger Death Benefits relative to Accumulated Values in early Contract years but allow larger Accumulated Values relative to Death Benefits in later Contract years. As there are cumulative premium limits with this test, total premium payments must not exceed the limit described in the Code.</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Option 1 (Level Death Benefit Option) </span><span style="color:#000000;font-family:Arial;font-size:10pt;">The Death Benefit for this option remains level, but in limited situations will vary. The Death Benefit is the greater of the Face Amount, or the Death Benefit factor multiplied by Accumulated Value. If you keep your Contract in force for several years and your Accumulated Value continues to increase, your Death Benefit may be increased by a Death Benefit factor. This factor helps to ensure that your Death Benefit is large enough relative to Accumulated Value to assure the Contract </span><span style="color:#000000;font-family:Arial;font-size:10pt;">will qualify as life insurance under federal tax law. The Death Benefit factor depends upon your Attained Age. If the CVAT is used to satisfy the tax definition, then the death benefit factor will also depend on the Insured’s sex (in most states) and risk class. Your Contract includes a Table of Death Benefit Factors. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">You should consider the Level Death Benefit Option if: </span><span style="color:#000000;font-family:Arial;font-size:8pt;">♦ </span><span style="color:#000000;font-family:Arial;font-size:10pt;">you do not expect your insurance needs to generally increase; or </span><span style="color:#000000;font-family:Arial;font-size:8pt;">♦ </span><span style="color:#000000;font-family:Arial;font-size:10pt;">you would like to minimize your insurance costs. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">In general, the Level Death Benefit Option provides greater growth potential in Accumulated Value than the Variable Death Benefit Option. By choosing the Level Death Benefit Option, any increases in Accumulated Value reduce the actual risk amount and lower your cost of insurance.</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Option 2 (Variable Death Benefit Option) </span><span style="color:#000000;font-family:Arial;font-size:10pt;">The Variable Death Benefit Option provides a Death Benefit that varies over time. The Death Benefit will be the greater of the Face Amount plus Accumulated Value, or the Death Benefit factor (described above) multiplied by Accumulated Value. The Death Benefit fluctuates correspondingly with your Accumulated Value. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">You should consider the Variable Death Benefit Option if: </span><span style="color:#000000;font-family:Arial;font-size:8pt;">♦ </span><span style="color:#000000;font-family:Arial;font-size:10pt;">you expect your insurance needs to increase, or </span><span style="color:#000000;font-family:Arial;font-size:8pt;">♦ </span><span style="color:#000000;font-family:Arial;font-size:10pt;">you would like to have the potential for an increasing death benefit. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">In general, the variable option provides the potential for a greater death benefit than the level option.</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Changing Your Death Benefit Option </span><span style="color:#000000;font-family:Arial;font-size:10pt;">You may request a change from one Death Benefit Option to the other at any time before Attained Age 121 except when the Death Benefit is based on the Table of Death Benefit Factors as provided in your Contract. If we approve the change, we will increase or decrease the Face Amount so your Death Benefit immediately after the change will be the same as immediately before the change. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">If you change from the Level Death Benefit Option to the Variable Death Benefit Option, we will reduce your Face Amount by the amount of Accumulated Value on the date the change takes place. The decrease in Face Amount and any Decrease Charge will be applied to the initial Face Amount and any existing increase in Face Amount according to the ratio of each portion of the Face Amount to the total Face Amount of this Contract. We will not allow the change if it reduces your Face Amount below the minimum amount as defined on the schedule page of your Contract. If you select the GPT, then additional restrictions will apply. If the change in Death Benefit Option would cause total premium payments already made to exceed the cumulative premium limit of the Code, the change may be made only if the Cash Surrender Value before the change exceeds the refund required under the Code. If the change is made, the required refund will be made as a partial surrender with no partial surrender charge applied. If you change from the Variable Death Benefit Option to the Level Death Benefit Option, your Face Amount increases by the Accumulated Value on the effective date of the change which also increases any unit charges under your Contract. The Face Amount increase will be applied to the initial Face Amount and any existing increase in Face Amount according to the ratio of each portion of the Face Amount to the total Face Amount of this Contract. The increase is determined so your Death Benefit immediately after the change will be the same as immediately before the change. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">A new No-Lapse Guarantee Premium will be determined for any No-Lapse Guarantee in effect on the effective date of the change. The effective date of the change will be the Monthly Anniversary on or following the date we receive Notice. The new Death Benefit Option will be shown on a supplemental Contract schedule page that we will send to you. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">There may be tax consequences when you change your Death Benefit Option. Please consult your tax advisor before making any such change. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">If a change in your Death Benefit Option would result in your cumulative premiums exceeding the maximum premium limitations for life insurance under the Code, we will process a partial withdrawal to force out any excess premiums which exceed the maximum premium limitations and that money will be refunded to you. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">A change in Death Benefit Option may affect the monthly cost of insurance charge because this charge varies with the net amount at risk (in general, the Death Benefit less the Accumulated Value). Changing from Option 1 to Option 2 will generally decrease the net amount at risk, thereby reducing the cost of insurance charges. Changing from Option 2 to Option 1 will generally result in a net amount at risk that remains level. Such a change from Option 2 to Option 1, however, will result in an increase in the cost of insurance charges over time because the net amount at risk will (unless the Death Benefit is based on the applicable percentage of Accumulated Value) remain level rather than decreasing as the Accumulated Value increases.</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Changing Your Face Amount </span><span style="color:#000000;font-family:Arial;font-size:10pt;">You select the Face Amount when you apply for the Contract. You may change the Face Amount by giving us Notice. We will not permit any change that would result in your Contract being disqualified as a life insurance contract under Section 7702 of the Code. If the change in Face Amount would result in your cumulative premiums exceeding the maximum premium limitations for life insurance under the Code, we will process a partial withdrawal to force out any excess premiums which exceed the limit, and that money will be refunded to you. Changing the Face Amount may have tax consequences and you should consult a tax advisor before doing so. </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Increasing Your Face Amount</span> <br/><span style="color:#000000;font-family:Arial;font-size:10pt;">Subject to our underwriting guidelines and policies, you have the right to increase the Face Amount at any time before the Insured’s last day for increases shown on page 3A of your Contract. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Any increase in Face Amount is subject to the following conditions: </span><span style="color:#000000;font-family:Arial;font-size:8pt;">♦ </span><span style="color:#000000;font-family:Arial;font-size:10pt;">We must receive an application at our Service Center, if and as required by our standards. </span><span style="color:#000000;font-family:Arial;font-size:8pt;">♦ </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Satisfactory evidence of insurability, if and as required by our standards, unless a contractual exception applies. </span><span style="color:#000000;font-family:Arial;font-size:8pt;">♦ </span><span style="color:#000000;font-family:Arial;font-size:10pt;">The increase amount must be for at least $25,000. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Increases in your Face Amount will result in additional charges to cover the increased amount at risk. The increased Face Amount will also increase any unit charges under your Contract. We compute charges at the existing rates at the time of increase. The cost of insurance rates for each increase will vary based on factors such as sex (in most states), risk class, age and the time elapsed since issue. The increase will be effective on the date shown on the supplemental Contract schedule page we provide. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">A new set of Decrease Charges will also apply to each increase in your Contract’s Face Amount. We show these new charges on the amended Contract specification page of your Contract. However, the Decrease Charges will only be assessed if your Face Amount is later decreased and the Decrease Charge is still in effect for that part of the Face Amount that was decreased. See </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">Charges</span><span style="color:#000000;font-family:Arial;font-size:10pt;"> for additional information regarding this charge. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Sometimes an increase in the Face Amount, along with other factors, may cause a Contract to be classified as a MEC and could have potentially negative tax consequences. See </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">Taxes</span><span style="color:#000000;font-family:Arial;font-size:10pt;">. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">A new No-Lapse Guarantee Premium will be determined for any No-Lapse Guarantee in effect. </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Decreasing Your Face Amount </span> <br/><span style="color:#000000;font-family:Arial;font-size:10pt;">At any time before the Insured’s Attained Age 121, you have the right to decrease your Face Amount. Requirements for decreasing your Face Amount are: </span><span style="color:#000000;font-family:Arial;font-size:8pt;">♦ </span><span style="color:#000000;font-family:Arial;font-size:10pt;">we must receive Notice; </span><span style="color:#000000;font-family:Arial;font-size:8pt;">♦ </span><span style="color:#000000;font-family:Arial;font-size:10pt;">the Face Amount remaining in effect cannot be less than the minimum amount defined at issue on the Contract schedule page; </span><span style="color:#000000;font-family:Arial;font-size:8pt;">♦ </span><span style="color:#000000;font-family:Arial;font-size:10pt;">the Accumulated Value, and premiums if you select the GPT, must be in compliance with Code limits. If the decrease would cause total premium payments already made to exceed the cumulative premium limit of the Code, the decrease may be made only if the Cash Surrender Value before the decrease exceeds the refund required under the Code. If the decrease is made, the required refund will be made as a partial surrender with no partial surrender charge applied; and </span><span style="color:#000000;font-family:Arial;font-size:8pt;">♦ </span><span style="color:#000000;font-family:Arial;font-size:10pt;">on the date the decrease would be effective Accumulated Value less Debt must be greater than or equal to any Decrease Charge that may apply. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">The decrease will become effective as of the Monthly Anniversary on or following the date we receive Notice at the Service Center. We will subtract the decrease first from any previous increases in the Face Amount, starting with the most recent, and then as needed from the original Face Amount. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">We subtract a Decrease Charge from the Accumulated Value if a Decrease Charge is in effect for that part of the Face Amount decreased. We show you the Decrease Charges applicable to you on the Table of Decrease Charges in your Contract. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">A new No-Lapse Guarantee Premium will be determined if the No-Lapse Guarantee has not terminated before the effective date of the decrease. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">A decrease in your Face Amount may cause your Contract to be classified as a MEC and could have other tax consequences. Please consult your tax advisor before decreasing your Face Amount.</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Death Claims </span><span style="color:#000000;font-family:Arial;font-size:10pt;">In the event of the death of the Insured, we must receive Notice of death at our Service Center. We will provide a claim form upon receiving the Notice. A financial advisor or professional may assist in making such a claim.</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Payment of Benefits </span><span style="color:#000000;font-family:Arial;font-size:10pt;">In addition to traditional lump sum payments, other payment options are available. All or part of the life insurance proceeds from death or surrender may be placed in one of several settlement options. Proceeds distributed according to a settlement option do not vary with the investment performance of the Variable Account. Contract Owners may select a settlement option prior to the Insured’s death. A Beneficiary may select a settlement option at the time of making a claim for Death Benefits. The minimum amount that we will apply to a settlement option is $2,000. Additionally, the resulting payment must be at least $50. Once a settlement option is selected, we will provide a settlement option agreement. In the settlement option agreement, we will reflect guaranteed payments, if any.</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Settlement Options </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Option 1: Interest Income </span> <br/><span style="color:#000000;font-family:Arial;font-size:10pt;">Under this settlement option, the proceeds are left with Thrivent to accumulate interest. We will pay, on the proceeds that remain with us an annual rate of interest at least equal to the amount shown on the Contract’s schedule page. The payee may withdraw all or part of the proceeds at any time. </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Option 2: Income of a Fixed Amount </span> <br/><span style="color:#000000;font-family:Arial;font-size:10pt;">With this settlement option the payee elects to receive a fixed amount at regular intervals until the proceeds with interest have all been paid. The payment period may not exceed 360 months. Interest accumulates on the amount that remains with us until the proceeds are all paid out. For example, if your Beneficiary elected to receive $10,000, paid annually, we would pay $10,000 annually until we pay out all of the remaining proceeds. The final payment may be smaller than prior payments. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">We will pay an annual rate of interest at least equal to the amount shown on the Contract’s schedule page. The amount of interest may be greater than the guaranteed amount. Unless the income election was irrevocable, the payee may withdraw the present value of all or a portion of remaining payments at any time based on a discount rate that is 0.5% per annum greater than the interest rate used to calculate the amount of the payments. If a portion of the present value is withdrawn, the number of future payments will be reduced. If the full value is withdrawn, we will make no further payments. </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Option 3: Income for a Fixed Period </span> <br/><span style="color:#000000;font-family:Arial;font-size:10pt;">This option provides payments at regular intervals. The payee may elect a specified number of months or years but may not select a period exceeding 360 months or the payee’s life expectancy. We reserve the right to require a fixed period of at least 60 months. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">We will pay an annual rate of interest at least equal to the amount shown on the Contract’s schedule page on the proceeds that remain with us. The amount of interest we pay may be greater than the guaranteed amount. Unless the income election was irrevocable, the payee may withdraw all or a portion of the present value of any remaining payments at any time based on a discount rate that is 0.5% per annum greater than the interest rate used to calculate the amount of the payments. If the full present value is withdrawn, we will make no further payments. If a portion of the present value is withdrawn, the amount of future payments will be reduced. </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Option 4: Life Income with Guaranteed Period </span> <br/><span style="color:#000000;font-family:Arial;font-size:10pt;">This settlement option is a form of annuity payment that continues until the annuitant’s death. The payee is the person receiving the income. We make payments to the payee at regular intervals during the annuitant’s life. Upon electing this option, the payee also selects a guaranteed period of not more than 360 months or selects no guaranteed period at all. If the annuitant dies during the guaranteed payment period, payments will continue to a beneficiary named for the settlement option until the guaranteed payment period expires. The longer the guaranteed payment period, the lower the amount of regular payment. In other words, the payment amount the payee receives would be higher if the payee chose no guaranteed payment period. However, the risk the payee takes is that he or she may die shortly after we issue the settlement agreement. The agreement would then terminate and all payments would cease. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">The amount of the payments depends on an adjusted age and, where permitted, sex of the annuitant at the time the settlement agreement is established. We show representative guaranteed payments in the settlement option section of the Contract. These rates are calculated using the guaranteed annual interest rate and mortality table shown on the Contract’s schedule page. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">If your Contract is issued in New York, Option 4 does not permit a partial or full surrender of annuity income. </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Option 5: Joint &amp; Survivor Life Income with Guaranteed Period</span> <br/><span style="color:#000000;font-family:Arial;font-size:10pt;">This settlement option is another form of annuity payment or life income available when both annuitants are alive when the settlement option is chosen. We will pay an income as long as at least one of the two annuitants is alive. The amount of payments is determined based on the lives of both of the annuitants. The payees may select a guaranteed payment period of not more than 360 months or may select no guaranteed payment period at all. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Upon the death of one of the persons named to receive payments, we will continue to make payments of the same amount to the survivor for the remainder of the guaranteed payment period. At the end of this period, if the survivor is still living, the payments may be reduced if a reduction factor was chosen at issue. We pay the reduced amount until the </span><span style="color:#000000;font-family:Arial;font-size:10pt;">survivor annuitant’s death. If the survivor also dies during the guaranteed payment period, the remaining guaranteed payments continue to a designated beneficiary. The beneficiary has an option to take a lump sum payment. If no guaranteed payment period was selected, all payments will cease and the agreement terminates. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">The amount of the payments depends on the age and, where permitted, sex of the annuitants at the time we issue the settlement agreement. In addition, any selection of a guaranteed payment period or any reduction factor will influence the payments. These rates are calculated on the guaranteed annual interest rate and mortality table shown on the Contract’s schedule page. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">We may also offer other settlement options at our discretion. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Income provided under Settlement Options 2 through 5 will not be less than the income that would be provided if the proceeds were used to purchase a single premium immediate annuity contract that: </span><span style="color:#000000;font-family:Arial;font-size:10pt;">1.</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:11pt;">Is offered by us at the time of settlement to the same class of annuitants; and </span><span style="color:#000000;font-family:Arial;font-size:10pt;">2.</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:11pt;">Provides the same structure of benefits as the settlement option selected. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">If your Contract is issued in New York, guaranteed interest rates will be listed in your settlement option agreement and Option 5 does not permit partial or full surrenders of annuity income.</span> <span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Changing Your Death Benefit Option </span><span style="color:#000000;font-family:Arial;font-size:10pt;">You may request a change from one Death Benefit Option to the other at any time before Attained Age 121 except when the Death Benefit is based on the Table of Death Benefit Factors as provided in your Contract. If we approve the change, we will increase or decrease the Face Amount so your Death Benefit immediately after the change will be the same as immediately before the change. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">If you change from the Level Death Benefit Option to the Variable Death Benefit Option, we will reduce your Face Amount by the amount of Accumulated Value on the date the change takes place. The decrease in Face Amount and any Decrease Charge will be applied to the initial Face Amount and any existing increase in Face Amount according to the ratio of each portion of the Face Amount to the total Face Amount of this Contract. We will not allow the change if it reduces your Face Amount below the minimum amount as defined on the schedule page of your Contract. If you select the GPT, then additional restrictions will apply. If the change in Death Benefit Option would cause total premium payments already made to exceed the cumulative premium limit of the Code, the change may be made only if the Cash Surrender Value before the change exceeds the refund required under the Code. If the change is made, the required refund will be made as a partial surrender with no partial surrender charge applied. If you change from the Variable Death Benefit Option to the Level Death Benefit Option, your Face Amount increases by the Accumulated Value on the effective date of the change which also increases any unit charges under your Contract. The Face Amount increase will be applied to the initial Face Amount and any existing increase in Face Amount according to the ratio of each portion of the Face Amount to the total Face Amount of this Contract. The increase is determined so your Death Benefit immediately after the change will be the same as immediately before the change. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">A new No-Lapse Guarantee Premium will be determined for any No-Lapse Guarantee in effect on the effective date of the change. The effective date of the change will be the Monthly Anniversary on or following the date we receive Notice. The new Death Benefit Option will be shown on a supplemental Contract schedule page that we will send to you. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">There may be tax consequences when you change your Death Benefit Option. Please consult your tax advisor before making any such change. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">If a change in your Death Benefit Option would result in your cumulative premiums exceeding the maximum premium limitations for life insurance under the Code, we will process a partial withdrawal to force out any excess premiums which exceed the maximum premium limitations and that money will be refunded to you. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">A change in Death Benefit Option may affect the monthly cost of insurance charge because this charge varies with the net amount at risk (in general, the Death Benefit less the Accumulated Value). Changing from Option 1 to Option 2 will generally decrease the net amount at risk, thereby reducing the cost of insurance charges. Changing from Option 2 to Option 1 will generally result in a net amount at risk that remains level. Such a change from Option 2 to Option 1, however, will result in an increase in the cost of insurance charges over time because the net amount at risk will (unless the Death Benefit is based on the applicable percentage of Accumulated Value) remain level rather than decreasing as the Accumulated Value increases.</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Changing Your Face Amount </span><span style="color:#000000;font-family:Arial;font-size:10pt;">You select the Face Amount when you apply for the Contract. You may change the Face Amount by giving us Notice. We will not permit any change that would result in your Contract being disqualified as a life insurance contract under Section 7702 of the Code. If the change in Face Amount would result in your cumulative premiums exceeding the maximum premium limitations for life insurance under the Code, we will process a partial withdrawal to force out any excess premiums which exceed the limit, and that money will be refunded to you. Changing the Face Amount may have tax consequences and you should consult a tax advisor before doing so. </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Increasing Your Face Amount</span> <br/><span style="color:#000000;font-family:Arial;font-size:10pt;">Subject to our underwriting guidelines and policies, you have the right to increase the Face Amount at any time before the Insured’s last day for increases shown on page 3A of your Contract. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Any increase in Face Amount is subject to the following conditions: </span><span style="color:#000000;font-family:Arial;font-size:8pt;">♦ </span><span style="color:#000000;font-family:Arial;font-size:10pt;">We must receive an application at our Service Center, if and as required by our standards. </span><span style="color:#000000;font-family:Arial;font-size:8pt;">♦ </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Satisfactory evidence of insurability, if and as required by our standards, unless a contractual exception applies. </span><span style="color:#000000;font-family:Arial;font-size:8pt;">♦ </span><span style="color:#000000;font-family:Arial;font-size:10pt;">The increase amount must be for at least $25,000. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Increases in your Face Amount will result in additional charges to cover the increased amount at risk. The increased Face Amount will also increase any unit charges under your Contract. We compute charges at the existing rates at the time of increase. The cost of insurance rates for each increase will vary based on factors such as sex (in most states), risk class, age and the time elapsed since issue. The increase will be effective on the date shown on the supplemental Contract schedule page we provide. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">A new set of Decrease Charges will also apply to each increase in your Contract’s Face Amount. We show these new charges on the amended Contract specification page of your Contract. However, the Decrease Charges will only be assessed if your Face Amount is later decreased and the Decrease Charge is still in effect for that part of the Face Amount that was decreased. See </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">Charges</span><span style="color:#000000;font-family:Arial;font-size:10pt;"> for additional information regarding this charge. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Sometimes an increase in the Face Amount, along with other factors, may cause a Contract to be classified as a MEC and could have potentially negative tax consequences. See </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-style:italic;">Taxes</span><span style="color:#000000;font-family:Arial;font-size:10pt;">. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">A new No-Lapse Guarantee Premium will be determined for any No-Lapse Guarantee in effect. </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Decreasing Your Face Amount </span> <br/><span style="color:#000000;font-family:Arial;font-size:10pt;">At any time before the Insured’s Attained Age 121, you have the right to decrease your Face Amount. Requirements for decreasing your Face Amount are: </span><span style="color:#000000;font-family:Arial;font-size:8pt;">♦ </span><span style="color:#000000;font-family:Arial;font-size:10pt;">we must receive Notice; </span><span style="color:#000000;font-family:Arial;font-size:8pt;">♦ </span><span style="color:#000000;font-family:Arial;font-size:10pt;">the Face Amount remaining in effect cannot be less than the minimum amount defined at issue on the Contract schedule page; </span><span style="color:#000000;font-family:Arial;font-size:8pt;">♦ </span><span style="color:#000000;font-family:Arial;font-size:10pt;">the Accumulated Value, and premiums if you select the GPT, must be in compliance with Code limits. If the decrease would cause total premium payments already made to exceed the cumulative premium limit of the Code, the decrease may be made only if the Cash Surrender Value before the decrease exceeds the refund required under the Code. If the decrease is made, the required refund will be made as a partial surrender with no partial surrender charge applied; and </span><span style="color:#000000;font-family:Arial;font-size:8pt;">♦ </span><span style="color:#000000;font-family:Arial;font-size:10pt;">on the date the decrease would be effective Accumulated Value less Debt must be greater than or equal to any Decrease Charge that may apply. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">The decrease will become effective as of the Monthly Anniversary on or following the date we receive Notice at the Service Center. We will subtract the decrease first from any previous increases in the Face Amount, starting with the most recent, and then as needed from the original Face Amount. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">We subtract a Decrease Charge from the Accumulated Value if a Decrease Charge is in effect for that part of the Face Amount decreased. We show you the Decrease Charges applicable to you on the Table of Decrease Charges in your Contract. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">A new No-Lapse Guarantee Premium will be determined if the No-Lapse Guarantee has not terminated before the effective date of the decrease. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">A decrease in your Face Amount may cause your Contract to be classified as a MEC and could have other tax consequences. Please consult your tax advisor before decreasing your Face Amount.</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Death Claims </span><span style="color:#000000;font-family:Arial;font-size:10pt;">In the event of the death of the Insured, we must receive Notice of death at our Service Center. We will provide a claim form upon receiving the Notice. A financial advisor or professional may assist in making such a claim.</span> <span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Payment of Benefits </span><span style="color:#000000;font-family:Arial;font-size:10pt;">In addition to traditional lump sum payments, other payment options are available. All or part of the life insurance proceeds from death or surrender may be placed in one of several settlement options. Proceeds distributed according to a settlement option do not vary with the investment performance of the Variable Account. Contract Owners may select a settlement option prior to the Insured’s death. A Beneficiary may select a settlement option at the time of making a claim for Death Benefits. The minimum amount that we will apply to a settlement option is $2,000. Additionally, the resulting payment must be at least $50. Once a settlement option is selected, we will provide a settlement option agreement. In the settlement option agreement, we will reflect guaranteed payments, if any.</span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Settlement Options </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Option 1: Interest Income </span> <br/><span style="color:#000000;font-family:Arial;font-size:10pt;">Under this settlement option, the proceeds are left with Thrivent to accumulate interest. We will pay, on the proceeds that remain with us an annual rate of interest at least equal to the amount shown on the Contract’s schedule page. The payee may withdraw all or part of the proceeds at any time. </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Option 2: Income of a Fixed Amount </span> <br/><span style="color:#000000;font-family:Arial;font-size:10pt;">With this settlement option the payee elects to receive a fixed amount at regular intervals until the proceeds with interest have all been paid. The payment period may not exceed 360 months. Interest accumulates on the amount that remains with us until the proceeds are all paid out. For example, if your Beneficiary elected to receive $10,000, paid annually, we would pay $10,000 annually until we pay out all of the remaining proceeds. The final payment may be smaller than prior payments. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">We will pay an annual rate of interest at least equal to the amount shown on the Contract’s schedule page. The amount of interest may be greater than the guaranteed amount. Unless the income election was irrevocable, the payee may withdraw the present value of all or a portion of remaining payments at any time based on a discount rate that is 0.5% per annum greater than the interest rate used to calculate the amount of the payments. If a portion of the present value is withdrawn, the number of future payments will be reduced. If the full value is withdrawn, we will make no further payments. </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Option 3: Income for a Fixed Period </span> <br/><span style="color:#000000;font-family:Arial;font-size:10pt;">This option provides payments at regular intervals. The payee may elect a specified number of months or years but may not select a period exceeding 360 months or the payee’s life expectancy. We reserve the right to require a fixed period of at least 60 months. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">We will pay an annual rate of interest at least equal to the amount shown on the Contract’s schedule page on the proceeds that remain with us. The amount of interest we pay may be greater than the guaranteed amount. Unless the income election was irrevocable, the payee may withdraw all or a portion of the present value of any remaining payments at any time based on a discount rate that is 0.5% per annum greater than the interest rate used to calculate the amount of the payments. If the full present value is withdrawn, we will make no further payments. If a portion of the present value is withdrawn, the amount of future payments will be reduced. </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Option 4: Life Income with Guaranteed Period </span> <br/><span style="color:#000000;font-family:Arial;font-size:10pt;">This settlement option is a form of annuity payment that continues until the annuitant’s death. The payee is the person receiving the income. We make payments to the payee at regular intervals during the annuitant’s life. Upon electing this option, the payee also selects a guaranteed period of not more than 360 months or selects no guaranteed period at all. If the annuitant dies during the guaranteed payment period, payments will continue to a beneficiary named for the settlement option until the guaranteed payment period expires. The longer the guaranteed payment period, the lower the amount of regular payment. In other words, the payment amount the payee receives would be higher if the payee chose no guaranteed payment period. However, the risk the payee takes is that he or she may die shortly after we issue the settlement agreement. The agreement would then terminate and all payments would cease. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">The amount of the payments depends on an adjusted age and, where permitted, sex of the annuitant at the time the settlement agreement is established. We show representative guaranteed payments in the settlement option section of the Contract. These rates are calculated using the guaranteed annual interest rate and mortality table shown on the Contract’s schedule page. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">If your Contract is issued in New York, Option 4 does not permit a partial or full surrender of annuity income. </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Option 5: Joint &amp; Survivor Life Income with Guaranteed Period</span> <br/><span style="color:#000000;font-family:Arial;font-size:10pt;">This settlement option is another form of annuity payment or life income available when both annuitants are alive when the settlement option is chosen. We will pay an income as long as at least one of the two annuitants is alive. The amount of payments is determined based on the lives of both of the annuitants. The payees may select a guaranteed payment period of not more than 360 months or may select no guaranteed payment period at all. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Upon the death of one of the persons named to receive payments, we will continue to make payments of the same amount to the survivor for the remainder of the guaranteed payment period. At the end of this period, if the survivor is still living, the payments may be reduced if a reduction factor was chosen at issue. We pay the reduced amount until the </span><span style="color:#000000;font-family:Arial;font-size:10pt;">survivor annuitant’s death. If the survivor also dies during the guaranteed payment period, the remaining guaranteed payments continue to a designated beneficiary. The beneficiary has an option to take a lump sum payment. If no guaranteed payment period was selected, all payments will cease and the agreement terminates. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">The amount of the payments depends on the age and, where permitted, sex of the annuitants at the time we issue the settlement agreement. In addition, any selection of a guaranteed payment period or any reduction factor will influence the payments. These rates are calculated on the guaranteed annual interest rate and mortality table shown on the Contract’s schedule page. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">We may also offer other settlement options at our discretion. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Income provided under Settlement Options 2 through 5 will not be less than the income that would be provided if the proceeds were used to purchase a single premium immediate annuity contract that: </span><span style="color:#000000;font-family:Arial;font-size:10pt;">1.</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:11pt;">Is offered by us at the time of settlement to the same class of annuitants; and </span><span style="color:#000000;font-family:Arial;font-size:10pt;">2.</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:11pt;">Provides the same structure of benefits as the settlement option selected. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">If your Contract is issued in New York, guaranteed interest rates will be listed in your settlement option agreement and Option 5 does not permit partial or full surrenders of annuity income.</span> <span id="other_a2bf785a-be64-4d55-9bcd-cbfebac67857" style="color:#000000;font-family:Times New Roman;font-size:18pt;">Other Benefits Available Under the Contract </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">In addition to the standard death benefits associated with your Contract, other standard and/or optional benefits may also be available to you. The following table summarizes information about those benefits. Information about the fees associated with each benefit included in the table may be found in the Fee Table.</span><span style="color:#000000;font-family:Arial;font-size:1pt;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:540pt;"> <tr style="height:33.5pt;"> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Bottom;width:109.4pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:12pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">Name of Benefit</span></div></div></td> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Bottom;width:218.11pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">Purpose</span></div></div></td> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Bottom;width:56.49pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;">Is Benefit</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;">Standard or</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;">Optional</span></div></div></td> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Bottom;width:156pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:12pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">Brief Description of</span></div> <div style="margin-left:2.75pt;margin-right:12pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;">Restrictions/Limitations</span></div></div></td></tr> <tr style="height:187pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:109.4pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:12pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Guaranteed Increase </span></div> <div style="margin-left:12pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Option</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:218.11pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Allows you to increase the amount of coverage </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">without having to show evidence of insurability </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">at certain pre-defined opportunities.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:56.49pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Optional</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:156pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:12pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8pt;margin-left:0.0pt;">♦ </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Issue ages 0-17.</span></div> <div style="margin-left:2.75pt;margin-right:12pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8pt;margin-left:0.0pt;">♦ </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Available at issue or may be </span></div> <div style="margin-left:2.75pt;margin-right:12pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:11pt;">added after issue with </span></div> <div style="margin-left:2.75pt;margin-right:12pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:11pt;">evidence of insurability.</span></div> <div style="margin-left:2.75pt;margin-right:12pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8pt;margin-left:0.0pt;">♦ </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Only available if the base </span></div> <div style="margin-left:2.75pt;margin-right:12pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:11pt;">coverage is not rated.</span></div> <div style="margin-left:2.75pt;margin-right:12pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8pt;margin-left:0.0pt;">♦ </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Terminates 60 days following </span></div> <div style="margin-left:2.75pt;margin-right:12pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:11pt;">the first rider anniversary on </span></div> <div style="margin-left:2.75pt;margin-right:12pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:11pt;">or after the Insured’s age 49, </span></div> <div style="margin-left:2.75pt;margin-right:12pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:11pt;">or on the date that an </span></div> <div style="margin-left:2.75pt;margin-right:12pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:11pt;">Alternate Increase Option </span></div> <div style="margin-left:2.75pt;margin-right:12pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:11pt;">Date was used, canceling </span></div> <div style="margin-left:2.75pt;margin-right:12pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:11pt;">the last Fixed Increase </span></div> <div style="margin-left:2.75pt;margin-right:12pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:11pt;">Option.</span></div></div></td></tr> <tr style="height:85pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:109.4pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:12pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Disability Waiver of </span></div> <div style="margin-left:12pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Monthly Deductions</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:218.11pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">In the event the Insured is totally disabled </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">under the terms of the rider, scheduled </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">premiums due during the benefit period are </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">waived so the </span><a href="#contract_4c6df2ac-32dd-4221-b67e-8854ecc20b06"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Contract</span></a><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">, including any </span><a href="#additionalbenefits_e95ad0c3-c18b-4179-9766-1f6fd1796eee"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Additional </span></a></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Benefits, continues in force.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:56.49pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Optional</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:156pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:12pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8pt;margin-left:0.0pt;">♦ </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Can be issued at ages 0-59.</span></div> <div style="margin-left:2.75pt;margin-right:12pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8pt;margin-left:0.0pt;">♦ </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Terminates at age 65 or the </span></div> <div style="margin-left:2.75pt;margin-right:12pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:11pt;">end of the benefit period, if </span></div> <div style="margin-left:2.75pt;margin-right:12pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:11pt;">later.</span></div> <div style="margin-left:2.75pt;margin-right:12pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8pt;margin-left:0.0pt;">♦ </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Six month waiting period from </span></div> <div style="margin-left:2.75pt;margin-right:12pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:11pt;">date of disability.</span></div></div></td></tr> <tr style="height:60.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.625pt;vertical-align:Top;width:109.4pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:12pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Accelerated Death </span></div> <div style="margin-left:12pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Benefit for Terminal </span></div> <div style="margin-left:12pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Illness Rider</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.625pt;vertical-align:Top;width:218.11pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">This rider pays a portion of the Death Benefit </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">when requested if the </span><a href="#insured_b3d078f5-a752-456b-8349-277d36720ff4"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Insured</span></a><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> has a life </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">expectancy of 24 months or less in most states.</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.625pt;vertical-align:Top;width:56.49pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Standard</span></div></div></td> <td style="padding-bottom:3pt;padding-top:1.625pt;vertical-align:Top;width:156pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:12pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8pt;margin-left:0.0pt;">♦ </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Any assignee, irrevocable </span></div> <div style="margin-left:2.75pt;margin-right:12pt;text-align:Left;white-space:nowrap;"><a href="#beneficiary_ff67c2ee-7989-4288-8e01-5b4f3e84738a"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:11pt;">Beneficiary</span></a><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> or other party </span></div> <div style="margin-left:2.75pt;margin-right:12pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:11pt;">with ownership rights must </span></div> <div style="margin-left:2.75pt;margin-right:12pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:11pt;">consent to payment of the </span></div> <div style="margin-left:2.75pt;margin-right:12pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:11pt;">Accelerated Benefit.</span></div></div></td></tr></table><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Examples </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Guaranteed Increase Option (Optional) </span><span style="font-family:Arial;font-size:10pt;">A Contract is issued to an Insured at age 12, with an initial Face Amount of $25,000 and a GIO rider of $25,000. The Insured’s risk class at issue is Standard Nontobacco, so all GIO increases will be at this risk class, with no additional underwriting. In this example, the Owner accepts the GIO at the option dates at the times that the Insured is ages 22, 25 and 28. The Face Amount in total is then $100,000 after these increases (initial $25,000 + 3 increases of $25,000 each). At age 30, the Insured uses a special option at the time of marriage, bringing the total Face Amount to $125,000. The next Option at age 31 is skipped, and the Owner declines the Option at ages 34 and 37. The Options are accepted at ages 40, 43, 46 and 49. With these 4 increases of $25,000 each, the total Face Amount is $225,000 after the last increase, and the GIO expires. </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Disability Waiver of Monthly Deductions (Optional) </span><span style="color:#000000;font-family:Arial;font-size:10pt;">A Contract is issued to an Insured at age 45, with a Face Amount of $250,000 and the Disability Waiver of Monthly Deduction rider is elected. The Insured is underwritten and given Preferred Nontobacco risk class on the base coverage and standard rating on the waiver. The charges for the waiver benefit are included in the monthly deductions collected for the next several years. At the Insured’s age 52, the Insured is injured in an accident on April 1</span><span style="color:#000000;font-family:Arial;font-size:6.5pt;position:relative;top:-4.25pt;">st</span><span style="color:#000000;font-family:Arial;font-size:10pt;"> and is unable to work. The Insured submits a waiver claim, which is reviewed and approved, effective October 1</span><span style="color:#000000;font-family:Arial;font-size:6.5pt;position:relative;top:-4.25pt;">st</span><span style="color:#000000;font-family:Arial;font-size:10pt;"> (6 months after disability). The </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Accumulated Value of the Contract is incremented by the amount of the monthly deductions for those 6 months, and monthly deductions are waived from that date forward. The Insured submits regular proof of his disability. After 18 months of waived deductions, the Insured recovers sufficiently to begin a new occupation. The monthly deductions begin again after his recovery. </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Accelerated Death Benefits for Terminal Illness Rider (Standard) </span><span style="color:#000000;font-family:Arial;font-size:10pt;">A Contract is issued to an Insured at age 45, with a Face Amount of $250,000 and the Accelerated Death Benefit rider is automatically included. There is no charge for including this rider. The Contract continues for several years, with regular scheduled payments made and monthly deductions collected. When the Insured is age 68, he is diagnosed with a terminal illness. A claim is submitted to accelerate the entire death benefit, to pay for his medical care. The claim processing includes obtaining a certification from a qualified physician, which indicates that the Insured’s diagnosis is terminal and his life expectancy is 24 months or less. A calculation is made to determine the present value of the death benefit, less a $150 processing fee. The Contract is terminated when that accelerated payment is made.</span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:540pt;"> <tr style="height:33.5pt;"> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Bottom;width:109.4pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:12pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">Name of Benefit</span></div></div></td> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Bottom;width:218.11pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">Purpose</span></div></div></td> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Bottom;width:56.49pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;">Is Benefit</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;">Standard or</span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;">Optional</span></div></div></td> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Bottom;width:156pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:12pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;margin-left:0.00pt;">Brief Description of</span></div> <div style="margin-left:2.75pt;margin-right:12pt;text-align:Center;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:9pt;font-weight:bold;">Restrictions/Limitations</span></div></div></td></tr> <tr style="height:187pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:109.4pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:12pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Guaranteed Increase </span></div> <div style="margin-left:12pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Option</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:218.11pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Allows you to increase the amount of coverage </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">without having to show evidence of insurability </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">at certain pre-defined opportunities.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:56.49pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Optional</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:156pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:12pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8pt;margin-left:0.0pt;">♦ </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Issue ages 0-17.</span></div> <div style="margin-left:2.75pt;margin-right:12pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8pt;margin-left:0.0pt;">♦ </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Available at issue or may be </span></div> <div style="margin-left:2.75pt;margin-right:12pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:11pt;">added after issue with </span></div> <div style="margin-left:2.75pt;margin-right:12pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:11pt;">evidence of insurability.</span></div> <div style="margin-left:2.75pt;margin-right:12pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8pt;margin-left:0.0pt;">♦ </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Only available if the base </span></div> <div style="margin-left:2.75pt;margin-right:12pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:11pt;">coverage is not rated.</span></div> <div style="margin-left:2.75pt;margin-right:12pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8pt;margin-left:0.0pt;">♦ </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Terminates 60 days following </span></div> <div style="margin-left:2.75pt;margin-right:12pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:11pt;">the first rider anniversary on </span></div> <div style="margin-left:2.75pt;margin-right:12pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:11pt;">or after the Insured’s age 49, </span></div> <div style="margin-left:2.75pt;margin-right:12pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:11pt;">or on the date that an </span></div> <div style="margin-left:2.75pt;margin-right:12pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:11pt;">Alternate Increase Option </span></div> <div style="margin-left:2.75pt;margin-right:12pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:11pt;">Date was used, canceling </span></div> <div style="margin-left:2.75pt;margin-right:12pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:11pt;">the last Fixed Increase </span></div> <div style="margin-left:2.75pt;margin-right:12pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:11pt;">Option.</span></div></div></td></tr> <tr style="height:85pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:109.4pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:12pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Disability Waiver of </span></div> <div style="margin-left:12pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Monthly Deductions</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:218.11pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">In the event the Insured is totally disabled </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">under the terms of the rider, scheduled </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">premiums due during the benefit period are </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">waived so the </span><a href="#contract_4c6df2ac-32dd-4221-b67e-8854ecc20b06"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Contract</span></a><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">, including any </span><a href="#additionalbenefits_e95ad0c3-c18b-4179-9766-1f6fd1796eee"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Additional </span></a></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Benefits, continues in force.</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:56.49pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Optional</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:156pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:12pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8pt;margin-left:0.0pt;">♦ </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Can be issued at ages 0-59.</span></div> <div style="margin-left:2.75pt;margin-right:12pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8pt;margin-left:0.0pt;">♦ </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Terminates at age 65 or the </span></div> <div style="margin-left:2.75pt;margin-right:12pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:11pt;">end of the benefit period, if </span></div> <div style="margin-left:2.75pt;margin-right:12pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:11pt;">later.</span></div> <div style="margin-left:2.75pt;margin-right:12pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8pt;margin-left:0.0pt;">♦ </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Six month waiting period from </span></div> <div style="margin-left:2.75pt;margin-right:12pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:11pt;">date of disability.</span></div></div></td></tr> <tr style="height:60.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.625pt;vertical-align:Top;width:109.4pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:12pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Accelerated Death </span></div> <div style="margin-left:12pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Benefit for Terminal </span></div> <div style="margin-left:12pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Illness Rider</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.625pt;vertical-align:Top;width:218.11pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">This rider pays a portion of the Death Benefit </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">when requested if the </span><a href="#insured_b3d078f5-a752-456b-8349-277d36720ff4"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Insured</span></a><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> has a life </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">expectancy of 24 months or less in most states.</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.625pt;vertical-align:Top;width:56.49pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Standard</span></div></div></td> <td style="padding-bottom:3pt;padding-top:1.625pt;vertical-align:Top;width:156pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:12pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:8pt;margin-left:0.0pt;">♦ </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Any assignee, irrevocable </span></div> <div style="margin-left:2.75pt;margin-right:12pt;text-align:Left;white-space:nowrap;"><a href="#beneficiary_ff67c2ee-7989-4288-8e01-5b4f3e84738a"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:11pt;">Beneficiary</span></a><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> or other party </span></div> <div style="margin-left:2.75pt;margin-right:12pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:11pt;">with ownership rights must </span></div> <div style="margin-left:2.75pt;margin-right:12pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:11pt;">consent to payment of the </span></div> <div style="margin-left:2.75pt;margin-right:12pt;text-align:Left;white-space:nowrap;"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:11pt;">Accelerated Benefit.</span></div></div></td></tr></table> <span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Guaranteed Increase </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Option</span> <span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Allows you to increase the amount of coverage </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">without having to show evidence of insurability </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">at certain pre-defined opportunities.</span> true <span style="color:#000000;font-family:Arial;font-size:8pt;margin-left:0.0pt;">♦ </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Issue ages 0-17.</span><span style="color:#000000;font-family:Arial;font-size:8pt;margin-left:0.0pt;">♦ </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Available at issue or may be </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:11pt;">added after issue with </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:11pt;">evidence of insurability.</span><span style="color:#000000;font-family:Arial;font-size:8pt;margin-left:0.0pt;">♦ </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Only available if the base </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:11pt;">coverage is not rated.</span><span style="color:#000000;font-family:Arial;font-size:8pt;margin-left:0.0pt;">♦ </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Terminates 60 days following </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:11pt;">the first rider anniversary on </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:11pt;">or after the Insured’s age 49, </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:11pt;">or on the date that an </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:11pt;">Alternate Increase Option </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:11pt;">Date was used, canceling </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:11pt;">the last Fixed Increase </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:11pt;">Option.</span> <span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Disability Waiver of </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Monthly Deductions</span> <span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">In the event the Insured is totally disabled </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">under the terms of the rider, scheduled </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">premiums due during the benefit period are </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">waived so the </span><a href="#contract_4c6df2ac-32dd-4221-b67e-8854ecc20b06"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Contract</span></a><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">, including any </span><a href="#additionalbenefits_e95ad0c3-c18b-4179-9766-1f6fd1796eee"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Additional </span></a><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Benefits, continues in force.</span> true <span style="color:#000000;font-family:Arial;font-size:8pt;margin-left:0.0pt;">♦ </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Can be issued at ages 0-59.</span><span style="color:#000000;font-family:Arial;font-size:8pt;margin-left:0.0pt;">♦ </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Terminates at age 65 or the </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:11pt;">end of the benefit period, if </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:11pt;">later.</span><span style="color:#000000;font-family:Arial;font-size:8pt;margin-left:0.0pt;">♦ </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Six month waiting period from </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:11pt;">date of disability.</span> <span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Accelerated Death </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Benefit for Terminal </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Illness Rider</span> <span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">This rider pays a portion of the Death Benefit </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">when requested if the </span><a href="#insured_b3d078f5-a752-456b-8349-277d36720ff4"><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Insured</span></a><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> has a life </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">expectancy of 24 months or less in most states.</span> true <span style="color:#000000;font-family:Arial;font-size:8pt;margin-left:0.0pt;">♦ </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;">Any assignee, irrevocable </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:11pt;">Beneficiary</span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:0.0pt;"> or other party </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:11pt;">with ownership rights must </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:11pt;">consent to payment of the </span><span style="color:#000000;font-family:Arial;font-size:10pt;margin-left:11pt;">Accelerated Benefit.</span> <span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Examples </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Guaranteed Increase Option (Optional) </span><span style="font-family:Arial;font-size:10pt;">A Contract is issued to an Insured at age 12, with an initial Face Amount of $25,000 and a GIO rider of $25,000. The Insured’s risk class at issue is Standard Nontobacco, so all GIO increases will be at this risk class, with no additional underwriting. In this example, the Owner accepts the GIO at the option dates at the times that the Insured is ages 22, 25 and 28. The Face Amount in total is then $100,000 after these increases (initial $25,000 + 3 increases of $25,000 each). At age 30, the Insured uses a special option at the time of marriage, bringing the total Face Amount to $125,000. The next Option at age 31 is skipped, and the Owner declines the Option at ages 34 and 37. The Options are accepted at ages 40, 43, 46 and 49. With these 4 increases of $25,000 each, the total Face Amount is $225,000 after the last increase, and the GIO expires. </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Disability Waiver of Monthly Deductions (Optional) </span><span style="color:#000000;font-family:Arial;font-size:10pt;">A Contract is issued to an Insured at age 45, with a Face Amount of $250,000 and the Disability Waiver of Monthly Deduction rider is elected. The Insured is underwritten and given Preferred Nontobacco risk class on the base coverage and standard rating on the waiver. The charges for the waiver benefit are included in the monthly deductions collected for the next several years. At the Insured’s age 52, the Insured is injured in an accident on April 1</span><span style="color:#000000;font-family:Arial;font-size:6.5pt;position:relative;top:-4.25pt;">st</span><span style="color:#000000;font-family:Arial;font-size:10pt;"> and is unable to work. The Insured submits a waiver claim, which is reviewed and approved, effective October 1</span><span style="color:#000000;font-family:Arial;font-size:6.5pt;position:relative;top:-4.25pt;">st</span><span style="color:#000000;font-family:Arial;font-size:10pt;"> (6 months after disability). The </span><span style="color:#000000;font-family:Arial;font-size:10pt;">Accumulated Value of the Contract is incremented by the amount of the monthly deductions for those 6 months, and monthly deductions are waived from that date forward. The Insured submits regular proof of his disability. After 18 months of waived deductions, the Insured recovers sufficiently to begin a new occupation. The monthly deductions begin again after his recovery. </span><span style="color:#000000;font-family:Arial;font-size:10pt;font-weight:bold;">Accelerated Death Benefits for Terminal Illness Rider (Standard) </span><span style="color:#000000;font-family:Arial;font-size:10pt;">A Contract is issued to an Insured at age 45, with a Face Amount of $250,000 and the Accelerated Death Benefit rider is automatically included. There is no charge for including this rider. The Contract continues for several years, with regular scheduled payments made and monthly deductions collected. When the Insured is age 68, he is diagnosed with a terminal illness. A claim is submitted to accelerate the entire death benefit, to pay for his medical care. The claim processing includes obtaining a certification from a qualified physician, which indicates that the Insured’s diagnosis is terminal and his life expectancy is 24 months or less. A calculation is made to determine the present value of the death benefit, less a $150 processing fee. The Contract is terminated when that accelerated payment is made.</span> <span id="appendix_4120e47a-5ac2-4b99-939d-467ce0e3038b" style="color:#000000;font-family:Times New Roman;font-size:18pt;">Appendix: Portfolios Available Under the Contract</span><span style="color:#000000;font-family:Arial;font-size:10pt;">The following is a list of Portfolios that correspond to subaccounts available under the Contract. More information about the </span><a href="#portfolio_142de97d-5295-4b78-9ff4-8df8143e1671"><span style="color:#000000;font-family:Arial;font-size:10pt;">Portfolios</span></a><span style="color:#000000;font-family:Arial;font-size:10pt;"> is available in the prospectuses for the </span><a href="#portfolio_142de97d-5295-4b78-9ff4-8df8143e1671"><span style="color:#000000;font-family:Arial;font-size:10pt;">Portfolios</span></a><span style="color:#000000;font-family:Arial;font-size:10pt;">, which may be amended from time to time and can be found online at dfinview.com/Thrivent/AccumulationVUL. You can also request this information in paper at no cost by calling (800) 847-4836 or by sending an email request to mail@thrivent.com. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">The current expenses and performance information below reflects fees and expenses of the </span><a href="#portfolio_142de97d-5295-4b78-9ff4-8df8143e1671"><span style="color:#000000;font-family:Arial;font-size:10pt;">Portfolios</span></a><span style="color:#000000;font-family:Arial;font-size:10pt;"> but does not reflect the other fees and expenses that your </span><a href="#contract_4c6df2ac-32dd-4221-b67e-8854ecc20b06"><span style="color:#000000;font-family:Arial;font-size:10pt;">Contract</span></a><span style="color:#000000;font-family:Arial;font-size:10pt;"> may charge. Expenses would be higher and performance would be lower if these charges were included. Each </span><a href="#portfolio_142de97d-5295-4b78-9ff4-8df8143e1671"><span style="color:#000000;font-family:Arial;font-size:10pt;">Portfolio’s</span></a><span style="color:#000000;font-family:Arial;font-size:10pt;"> past performance is not necessarily an indication of future performance.</span><span style="color:#000000;font-family:Arial;font-size:1pt;line-height:1pt;"> </span> <span style="color:#000000;font-family:Arial;font-size:10pt;">The following is a list of Portfolios that correspond to subaccounts available under the Contract. More information about the </span><a href="#portfolio_142de97d-5295-4b78-9ff4-8df8143e1671"><span style="color:#000000;font-family:Arial;font-size:10pt;">Portfolios</span></a><span style="color:#000000;font-family:Arial;font-size:10pt;"> is available in the prospectuses for the </span><a href="#portfolio_142de97d-5295-4b78-9ff4-8df8143e1671"><span style="color:#000000;font-family:Arial;font-size:10pt;">Portfolios</span></a><span style="color:#000000;font-family:Arial;font-size:10pt;">, which may be amended from time to time and can be found online at dfinview.com/Thrivent/AccumulationVUL. You can also request this information in paper at no cost by calling (800) 847-4836 or by sending an email request to mail@thrivent.com. </span><span style="color:#000000;font-family:Arial;font-size:10pt;">The current expenses and performance information below reflects fees and expenses of the </span><a href="#portfolio_142de97d-5295-4b78-9ff4-8df8143e1671"><span style="color:#000000;font-family:Arial;font-size:10pt;">Portfolios</span></a><span style="color:#000000;font-family:Arial;font-size:10pt;"> but does not reflect the other fees and expenses that your </span><a href="#contract_4c6df2ac-32dd-4221-b67e-8854ecc20b06"><span style="color:#000000;font-family:Arial;font-size:10pt;">Contract</span></a><span style="color:#000000;font-family:Arial;font-size:10pt;"> may charge. Expenses would be higher and performance would be lower if these charges were included. Each </span><a href="#portfolio_142de97d-5295-4b78-9ff4-8df8143e1671"><span style="color:#000000;font-family:Arial;font-size:10pt;">Portfolio’s</span></a><span style="color:#000000;font-family:Arial;font-size:10pt;"> past performance is not necessarily an indication of future performance.</span><span style="color:#000000;font-family:Arial;font-size:1pt;line-height:1pt;"> </span> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:540pt;"> <tr style="height:24.5pt;"> <td rowspan="2" style="background-color:#BFBFBF;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Bottom;width:72pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.00pt;">INVESTMENT </span></div> <div style="margin-left:6pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;font-weight:bold;">TYPE</span></div></div></td> <td rowspan="2" style="background-color:#BFBFBF;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Bottom;width:266.01pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.00pt;">PORTFOLIO AND ADVISER/SUBADVISER</span></div></div></td> <td rowspan="2" style="background-color:#BFBFBF;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Bottom;width:49.12pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.00pt;">CURRENT </span> <br/></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;font-weight:bold;">EXPENSES</span></div></div></td> <td colspan="3" style="background-color:#BFBFBF;border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Bottom;width:152.87pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;font-weight:bold;">AVERAGE ANNUAL TOTAL RETURNS </span> <br/></div> <div style="margin-left:2.75pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;">(as of 12/31/25)</span></div></div></td></tr> <tr style="height:12pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Bottom;width:49.79pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;font-weight:bold;">1 YEAR</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Bottom;width:49.79pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;font-weight:bold;">5 YEAR</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Bottom;width:53.29pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;font-weight:bold;">10 YEAR</span></div></div></td></tr> <tr style="height:25pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:72pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Aggressive </span></div> <div style="margin-left:6pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Allocation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:266.01pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Thrivent Aggressive Allocation Portfolio</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:49.12pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.85%</span><span style="font-family:Arial;font-size:6.5pt;position:relative;top:-4.25pt;">1</span> <div style="clear:right;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:49.79pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">15.81%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:49.79pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">9.61%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:53.29pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">11.26%</span></div></div></td></tr> <tr style="height:13pt;"> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:72pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Large Blend</span></div></div></td> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:266.01pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Thrivent All Cap Portfolio</span></div></div></td> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:49.12pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">0.66%</span></div></div></td> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:49.79pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">18.05%</span></div></div></td> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:49.79pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">11.90%</span></div></div></td> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:53.29pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">12.43%</span></div></div></td></tr> <tr style="height:25pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:72pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Conservative </span></div> <div style="margin-left:6pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Allocation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:266.01pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Thrivent Conservative Allocation Portfolio</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:49.12pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.50%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:49.79pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">10.17%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:49.79pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">4.03%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:53.29pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">5.42%</span></div></div></td></tr> <tr style="height:37pt;"> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:72pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Moderately </span></div> <div style="margin-left:6pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Conservative </span></div> <div style="margin-left:6pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Allocation</span></div></div></td> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:266.01pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Thrivent Dynamic Allocation Portfolio</span></div></div></td> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:49.12pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">0.68%</span></div></div></td> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:49.79pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">12.62%</span></div></div></td> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:49.79pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">5.92%</span></div></div></td> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:53.29pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">6.84%</span></div></div></td></tr> <tr style="height:37pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:72pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Diversified </span></div> <div style="margin-left:6pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Emerging </span></div> <div style="margin-left:6pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Mkts</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:266.01pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Thrivent Emerging Markets Equity Portfolio</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:49.12pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">1.15%</span><span style="font-family:Arial;font-size:6.5pt;position:relative;top:-4.25pt;">1</span> <div style="clear:right;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:49.79pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">32.20%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:49.79pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">2.10%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:53.29pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">7.47%</span></div></div></td></tr> <tr style="height:13pt;"> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:72pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Large Blend</span></div></div></td> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:266.01pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Thrivent ESG Index Portfolio</span></div></div></td> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:49.12pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">0.36%</span><span style="font-family:Arial;font-size:6.5pt;position:relative;top:-4.25pt;">1</span> <div style="clear:right;"> </div></div></div></td> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:49.79pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">17.78%</span></div></div></td> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:49.79pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">13.56%</span></div></div></td> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:53.29pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">N/A</span><span style="font-family:Arial;font-size:6.5pt;position:relative;top:-4.25pt;">3</span> <div style="clear:right;"> </div></div></div></td></tr> <tr style="height:37pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:72pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Global </span></div> <div style="margin-left:6pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Large-Stock </span></div> <div style="margin-left:6pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Blend</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:266.01pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Thrivent Global Stock Portfolio</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:49.12pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.60%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:49.79pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">20.82%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:49.79pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">10.69%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:53.29pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">10.67%</span></div></div></td></tr> <tr style="height:25pt;"> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:72pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Intermediate </span></div> <div style="margin-left:6pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Government</span></div></div></td> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:266.01pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Thrivent Government Bond Portfolio</span></div></div></td> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:49.12pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">0.49%</span></div></div></td> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:49.79pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">7.32%</span></div></div></td> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:49.79pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">0.01%</span></div></div></td> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:53.29pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">1.74%</span></div></div></td></tr> <tr style="height:13pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:72pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Health</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:266.01pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Thrivent Healthcare Portfolio</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:49.12pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.92%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:49.79pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">13.07%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:49.79pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">4.62%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:53.29pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">7.37%</span></div></div></td></tr> <tr style="height:25pt;"> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:72pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">High Yield </span></div> <div style="margin-left:6pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Bond</span></div></div></td> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:266.01pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Thrivent High Yield Portfolio</span></div></div></td> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:49.12pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">0.45%</span></div></div></td> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:49.79pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">8.78%</span></div></div></td> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:49.79pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">4.06%</span></div></div></td> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:53.29pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">5.32%</span></div></div></td></tr> <tr style="height:25pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:72pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Corporate </span></div> <div style="margin-left:6pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Bond</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:266.01pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Thrivent Income Portfolio</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:49.12pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.44%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:49.79pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">7.93%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:49.79pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.38%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:53.29pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">3.60%</span></div></div></td></tr> <tr style="height:25pt;"> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:72pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Foreign Large </span></div> <div style="margin-left:6pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Blend</span></div></div></td> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:266.01pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Thrivent International Equity Portfolio</span></div></div></td> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:49.12pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">0.72%</span></div></div></td> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:49.79pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">30.87%</span></div></div></td> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:49.79pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">8.54%</span></div></div></td> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:53.29pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">7.41%</span></div></div></td></tr> <tr style="height:25pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:72pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Foreign Large </span></div> <div style="margin-left:6pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Blend</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:266.01pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Thrivent International Index Portfolio</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:49.12pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.37%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:49.79pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">31.15%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:49.79pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">8.61%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:53.29pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">N/A</span><span style="font-family:Arial;font-size:6.5pt;position:relative;top:-4.25pt;">3</span> <div style="clear:right;"> </div></div></div></td></tr> <tr style="height:13pt;"> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:72pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Large Growth</span></div></div></td> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:266.01pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Thrivent Large Cap Growth Portfolio</span></div></div></td> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:49.12pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">0.43%</span></div></div></td> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:49.79pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">16.95%</span></div></div></td> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:49.79pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">12.89%</span></div></div></td> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:53.29pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">16.35%</span></div></div></td></tr> <tr style="height:13pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:72pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Large Blend</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:266.01pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Thrivent Large Cap Index Portfolio</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:49.12pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.22%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:49.79pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">17.62%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:49.79pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">14.17%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:53.29pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">14.54%</span></div></div></td></tr> <tr style="height:13pt;"> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:72pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Large Value</span></div></div></td> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:266.01pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Thrivent Large Cap Value Portfolio</span></div></div></td> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:49.12pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">0.62%</span></div></div></td> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:49.79pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">19.65%</span></div></div></td> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:49.79pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">13.96%</span></div></div></td> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:53.29pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">12.16%</span></div></div></td></tr> <tr style="height:25pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:72pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Mid-Cap </span></div> <div style="margin-left:6pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Growth</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:266.01pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Thrivent Mid Cap Growth Portfolio</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:49.12pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.89%</span><span style="font-family:Arial;font-size:6.5pt;position:relative;top:-4.25pt;">1</span> <div style="clear:right;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:49.79pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">2.50%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:49.79pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">1.10%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:53.29pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">N/A</span><span style="font-family:Arial;font-size:6.5pt;position:relative;top:-4.25pt;">3</span> <div style="clear:right;"> </div></div></div></td></tr> <tr style="height:25pt;"> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:72pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Mid-Cap </span></div> <div style="margin-left:6pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Blend</span></div></div></td> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:266.01pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Thrivent Mid Cap Index Portfolio</span></div></div></td> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:49.12pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">0.25%</span></div></div></td> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:49.79pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">7.23%</span></div></div></td> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:49.79pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">8.86%</span></div></div></td> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:53.29pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">10.46%</span></div></div></td></tr> <tr style="height:25pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:72pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Mid-Cap </span></div> <div style="margin-left:6pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Blend</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:266.01pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Thrivent Mid Cap Stock Portfolio</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:49.12pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.66%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:49.79pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">4.73%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:49.79pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">6.86%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:53.29pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">11.30%</span></div></div></td></tr> <tr style="height:25pt;"> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:72pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Mid-Cap </span></div> <div style="margin-left:6pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Value</span></div></div></td> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:266.01pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Thrivent Mid Cap Value Portfolio</span></div></div></td> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:49.12pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">0.87%</span><span style="font-family:Arial;font-size:6.5pt;position:relative;top:-4.25pt;">1</span> <div style="clear:right;"> </div></div></div></td> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:49.79pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">10.82%</span></div></div></td> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:49.79pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">11.31%</span></div></div></td> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:53.29pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">N/A</span><span style="font-family:Arial;font-size:6.5pt;position:relative;top:-4.25pt;">3</span> <div style="clear:right;"> </div></div></div></td></tr> <tr style="height:24.5pt;"> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.625pt;vertical-align:Top;width:72pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:6pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Moderate </span></div> <div style="margin-left:6pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Allocation</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.625pt;vertical-align:Top;width:266.01pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Thrivent Moderate Allocation Portfolio</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.625pt;vertical-align:Top;width:49.12pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.70%</span><span style="font-family:Arial;font-size:6.5pt;position:relative;top:-4.25pt;">1</span> <div style="clear:right;"> </div></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.625pt;vertical-align:Top;width:49.79pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">13.63%</span></div></div></td> <td style="border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.625pt;vertical-align:Top;width:49.79pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">7.13%</span></div></div></td> <td style="padding-bottom:3pt;padding-top:1.625pt;vertical-align:Top;width:53.29pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">8.38% </span></div></div></td></tr></table> <table cellpadding="0" cellspacing="0" style="border-bottom:0.5pt solid #000000;border-left:0.5pt solid #000000;border-right:0.5pt solid #000000;border-top:0.5pt solid #000000;empty-cells:show;width:540pt;"> <tr style="height:33.5pt;"> <td rowspan="2" style="background-color:#BFBFBF;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Bottom;width:72pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.00pt;">INVESTMENT </span></div> <div style="margin-left:6pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;font-weight:bold;">TYPE</span></div></div></td> <td rowspan="2" style="background-color:#BFBFBF;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Bottom;width:266.01pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.00pt;">PORTFOLIO AND ADVISER/SUBADVISER</span></div></div></td> <td rowspan="2" style="background-color:#BFBFBF;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Bottom;width:49.12pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.00pt;">CURRENT </span></div> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;font-weight:bold;">EXPENSES</span></div></div></td> <td colspan="3" style="background-color:#BFBFBF;border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Bottom;width:152.87pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;font-weight:bold;margin-left:0.00pt;">AVERAGE ANNUAL TOTAL </span></div> <div style="margin-left:2.75pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;font-weight:bold;">RETURNS</span><span style="font-family:Arial Narrow;font-size:9pt;line-height:9pt;"> </span></div> <div style="margin-left:2.75pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;">(as of 12/31/25)</span></div></div></td></tr> <tr style="height:12pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Bottom;width:49.79pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;font-weight:bold;">1 YEAR</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Bottom;width:49.79pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;font-weight:bold;">5 YEAR</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Bottom;width:53.29pt;"> <div style="line-height:10.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial Narrow;font-size:9pt;font-weight:bold;">10 YEAR</span></div></div></td></tr> <tr style="height:37pt;"> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:72pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Moderately </span></div> <div style="margin-left:6pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Aggressive </span></div> <div style="margin-left:6pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Allocation</span></div></div></td> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:266.01pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Thrivent Moderately Aggressive Allocation Portfolio</span></div></div></td> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:49.12pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">0.76%</span><span style="font-family:Arial;font-size:6.5pt;position:relative;top:-4.25pt;">1</span> <div style="clear:right;"> </div></div></div></td> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:49.79pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">15.46%</span></div></div></td> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:49.79pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">8.30%</span></div></div></td> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:53.29pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">9.69%</span></div></div></td></tr> <tr style="height:37pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:72pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Moderately </span></div> <div style="margin-left:6pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Conservative </span></div> <div style="margin-left:6pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Allocation</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:266.01pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Thrivent Moderately Conservative Allocation Portfolio</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:49.12pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.65%</span><span style="font-family:Arial;font-size:6.5pt;position:relative;top:-4.25pt;">1</span> <div style="clear:right;"> </div></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:49.79pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">12.10%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:49.79pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">4.49%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:53.29pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">6.04%</span></div></div></td></tr> <tr style="height:37pt;"> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:72pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Money </span></div> <div style="margin-left:6pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Market - </span></div> <div style="margin-left:6pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Taxable</span></div></div></td> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:266.01pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Thrivent Money Market Portfolio</span></div></div></td> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:49.12pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">0.31%</span></div></div></td> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:49.79pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">4.06%</span></div></div></td> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:49.79pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">3.05%</span></div></div></td> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:53.29pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">1.93%</span></div></div></td></tr> <tr style="height:25pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:72pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Multisector </span></div> <div style="margin-left:6pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Bond</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:266.01pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Thrivent Multisector Bond Portfolio</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:49.12pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.74%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:49.79pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">7.93%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:49.79pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">2.43%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:53.29pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">3.47%</span></div></div></td></tr> <tr style="height:13pt;"> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:72pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Real Estate</span></div></div></td> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:266.01pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Thrivent Real Estate Securities Portfolio</span></div></div></td> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:49.12pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">0.90%</span></div></div></td> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:49.79pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">0.67%</span></div></div></td> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:49.79pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">3.89%</span></div></div></td> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:53.29pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">4.68%</span></div></div></td></tr> <tr style="height:25pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:72pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Short-Term </span></div> <div style="margin-left:6pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Bond</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:266.01pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Thrivent Short-Term Bond Portfolio</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:49.12pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.45%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:49.79pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">6.06%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:49.79pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">2.75%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:53.29pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">2.89%</span></div></div></td></tr> <tr style="height:13pt;"> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:72pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Small Growth</span></div></div></td> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:266.01pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Thrivent Small Cap Growth Portfolio</span></div></div></td> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:49.12pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">0.94%</span><span style="font-family:Arial;font-size:6.5pt;position:relative;top:-4.25pt;">1</span> <div style="clear:right;"> </div></div></div></td> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:49.79pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">1.87%</span></div></div></td> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:49.79pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">1.37%</span></div></div></td> <td style="background-color:#D8D8D8;border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:53.29pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">N/A</span><span style="font-family:Arial;font-size:6.5pt;position:relative;top:-4.25pt;">2</span> <div style="clear:right;"> </div></div></div></td></tr> <tr style="height:13pt;"> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:72pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:6pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Small Blend</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:266.01pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Thrivent Small Cap Index Portfolio</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:49.12pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">0.24%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:49.79pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">5.80%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;border-right:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:49.79pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">7.06%</span></div></div></td> <td style="border-bottom:0.5pt solid #000000;padding-bottom:1.625pt;padding-top:1.625pt;vertical-align:Top;width:53.29pt;"> <div style="line-height:13.0pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;">9.57%</span></div></div></td></tr> <tr style="height:12.5pt;"> <td style="background-color:#D8D8D8;border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.625pt;vertical-align:Top;width:72pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:6pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Small Blend</span></div></div></td> <td style="background-color:#D8D8D8;border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.625pt;vertical-align:Top;width:266.01pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Left;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Thrivent Small Cap Stock Portfolio</span></div></div></td> <td style="background-color:#D8D8D8;border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.625pt;vertical-align:Top;width:49.12pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">0.70%</span></div></div></td> <td style="background-color:#D8D8D8;border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.625pt;vertical-align:Top;width:49.79pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">2.45%</span></div></div></td> <td style="background-color:#D8D8D8;border-right:0.5pt solid #000000;padding-bottom:3pt;padding-top:1.625pt;vertical-align:Top;width:49.79pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:2.75pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">7.50%</span></div></div></td> <td style="background-color:#D8D8D8;padding-bottom:3pt;padding-top:1.625pt;vertical-align:Top;width:53.29pt;"> <div style="line-height:12pt;text-align:left;"> <div style="margin-left:2.75pt;margin-right:6pt;text-align:Center;white-space:nowrap;"><span style="font-family:Arial;font-size:10pt;margin-left:0.00pt;">11.93%</span></div></div></td></tr></table> <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Aggressive </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Allocation</span> <span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Thrivent Aggressive Allocation Portfolio</span> 0.0085 0.1581 0.0961 0.1126 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Large Blend</span> <span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Thrivent All Cap Portfolio</span> 0.0066 0.1805 0.1190 0.1243 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Conservative </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Allocation</span> <span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Thrivent Conservative Allocation Portfolio</span> 0.0050 0.1017 0.0403 0.0542 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Moderately </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Conservative </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Allocation</span> <span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Thrivent Dynamic Allocation Portfolio</span> 0.0068 0.1262 0.0592 0.0684 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Diversified </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Emerging </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Mkts</span> <span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Thrivent Emerging Markets Equity Portfolio</span> 0.0115 0.3220 0.0210 0.0747 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Large Blend</span> <span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Thrivent ESG Index Portfolio</span> 0.0036 0.1778 0.1356 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Global </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Large-Stock </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Blend</span> <span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Thrivent Global Stock Portfolio</span> 0.0060 0.2082 0.1069 0.1067 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Intermediate </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Government</span> <span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Thrivent Government Bond Portfolio</span> 0.0049 0.0732 0.0001 0.0174 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Health</span> <span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Thrivent Healthcare Portfolio</span> 0.0092 0.1307 0.0462 0.0737 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">High Yield </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Bond</span> <span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Thrivent High Yield Portfolio</span> 0.0045 0.0878 0.0406 0.0532 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Corporate </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Bond</span> <span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Thrivent Income Portfolio</span> 0.0044 0.0793 0.0038 0.0360 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Foreign Large </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Blend</span> <span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Thrivent International Equity Portfolio</span> 0.0072 0.3087 0.0854 0.0741 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Foreign Large </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Blend</span> <span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Thrivent International Index Portfolio</span> 0.0037 0.3115 0.0861 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Large Growth</span> <span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Thrivent Large Cap Growth Portfolio</span> 0.0043 0.1695 0.1289 0.1635 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Large Blend</span> <span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Thrivent Large Cap Index Portfolio</span> 0.0022 0.1762 0.1417 0.1454 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Large Value</span> <span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Thrivent Large Cap Value Portfolio</span> 0.0062 0.1965 0.1396 0.1216 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Mid-Cap </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Growth</span> <span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Thrivent Mid Cap Growth Portfolio</span> 0.0089 0.0250 0.0110 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Mid-Cap </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Blend</span> <span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Thrivent Mid Cap Index Portfolio</span> 0.0025 0.0723 0.0886 0.1046 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Mid-Cap </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Blend</span> <span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Thrivent Mid Cap Stock Portfolio</span> 0.0066 0.0473 0.0686 0.1130 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Mid-Cap </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Value</span> <span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Thrivent Mid Cap Value Portfolio</span> 0.0087 0.1082 0.1131 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Moderate </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Allocation</span> <span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Thrivent Moderate Allocation Portfolio</span> 0.0070 0.1363 0.0713 0.0838 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Moderately </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Aggressive </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Allocation</span> <span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Thrivent Moderately Aggressive Allocation Portfolio</span> 0.0076 0.1546 0.0830 0.0969 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Moderately </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Conservative </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Allocation</span> <span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Thrivent Moderately Conservative Allocation Portfolio</span> 0.0065 0.1210 0.0449 0.0604 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Money </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Market - </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Taxable</span> <span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Thrivent Money Market Portfolio</span> 0.0031 0.0406 0.0305 0.0193 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Multisector </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Bond</span> <span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Thrivent Multisector Bond Portfolio</span> 0.0074 0.0793 0.0243 0.0347 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Real Estate</span> <span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Thrivent Real Estate Securities Portfolio</span> 0.0090 0.0067 0.0389 0.0468 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Short-Term </span><span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Bond</span> <span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Thrivent Short-Term Bond Portfolio</span> 0.0045 0.0606 0.0275 0.0289 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Small Growth</span> <span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Thrivent Small Cap Growth Portfolio</span> 0.0094 0.0187 0.0137 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Small Blend</span> <span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Thrivent Small Cap Index Portfolio</span> 0.0024 0.0580 0.0706 0.0957 <span style="font-family:Arial;font-size:10pt;margin-left:0.0pt;">Small Blend</span> <span style="font-family:Arial;font-size:10pt;font-weight:bold;margin-left:0.0pt;">Thrivent Small Cap Stock Portfolio</span> 0.0070 0.0245 0.0750 0.1193 <span style="color:#000000;font-family:Arial;font-size:8pt;margin-left:14pt;">Current expenses reflect temporary fee reductions.</span>