Item 4. Fee Table [Text Block]

FEE TABLES

The following tables describe the fees and expenses that are payable when buying, owning and surrendering or making withdrawals from the Certificate. Please refer to your Certificate specifications page for information about the specific fees you will pay each year based on the options you have elected.

The first table describes the fees and expenses that you will pay at the time that you buy the Certificate, surrender or make withdrawals from the Certificate, or transfer Accumulated Value among the Subaccounts and the Declared Interest Option. State premium taxes may also be deducted.

Transaction Expenses	Guaranteed Maximum Charge			Current Charge
Surrender Charge (as a percentage of amount withdrawn or surrendered)⁽¹⁾		8	%		8	%
Transfer Processing Fee⁽²⁾		$25			$25

(1) The surrender charge is only assessed during the first eight Certificate Years. The surrender charge declines 1% annually to 0% in the ninth Certificate Year. You may annually withdraw a maximum of 10% of the Accumulated Value calculated as of the most recent prior Certificate Anniversary without incurring a surrender charge. This amount is not cumulative from Certificate Year to Certificate Year. We may waive this charge under certain circumstances. (See "CHARGES AND DEDUCTIONS—Surrender Charge (Contingent Deferred Sales Charge)—Amounts Not Subject to Surrender Charge.")

(2) We do not assess transfer processing fees for the first twelve (12) transfers in a Certificate Year, but we may impose a charge of $25 for the thirteenth (13th) and each subsequent transfer during a Certificate Year.

The next table describes the fees and expenses that you will pay each year during the time that you own your Certificate, not including Fund fees and expenses.

Annual Certificate Expenses	Guaranteed Maximum Charge			Current Charge
Administrative Expenses (includes Annual Administrative Charge)⁽³⁾		$45			$30
Base Certificate Expenses (as a percentage of average variable Accumulated Value) (includes mortality and expense risk charge)		1.40	%		1.40	%

(3) We currently deduct an annual administrative charge of $30 on the Issue Date and on each Certificate Anniversary prior to the Retirement Date and may waive the charge if your initial premium payment, or whenever your Accumulated Value on the most recent Certificate Anniversary, is $50,000 or greater.

The next table shows the minimum and maximum total operating expenses charged by any of the Investment Options that you may pay periodically during the time that you own the Certificate. Expenses shown may change over time and may be higher or lower in the future. A complete list of Investment Options available under the Certificate, including their annual expenses, may be found at the back of this Prospectus.

Annual Investment Option Operating Expenses	Minimum			Maximum
Annual Investment Option Operating Expenses (expenses that are deducted from Investment Option assets, including management fees, distribution and/or service (12b-1) fees and other expenses)⁽⁴⁾		0.09	%		1.12	%
Annual Investment Option Operating Expenses After Fee Waiver or Reimbursement⁽⁵⁾		0.09	%		1.07	%

(4) Some Investment Options may impose a redemption fee of up to 2% of the amount withdrawn to deter frequent trading activity.

(5) The "Annual Investment Option Operating Expenses After Fee Waiver or Reimbursement" line in the above table shows the range of minimum and maximum fees and expenses based on the expenses of all Investment Options after taking into account fee waiver or expense reimbursement arrangements in place. Those arrangements are designed to reduce total annual portfolio operating expenses for Certificate Holders and will continue past the current year.

Examples

The Examples are intended to help you compare the cost of investing in the variable Investment Options with the cost of investing in other annuity contracts that offer variable options. These costs include transaction expenses, the annual expenses, and Investment Option fees and expenses.

The Examples assume all Accumulated Value is allocated to the variable Investment Options. Your costs could differ from those shown below if you invest in the Declared Interest Option.

Each Example assumes that you invest $100,000 in the variable Investment Options for the time periods indicated. Each Example also assumes that your investment has a 5% return each year. The first and second Examples address the costs of investing in a Certificate issued on or after June 1, 2025. The third and fourth Examples address the costs of investing in a Certificate issued before June 1, 2025.

Certificates Issued On or After June 1, 2025

Example 1

The first example immediately below assumes the maximum fees and expenses of any of the Investment Options as set forth in the Annual Investment Options Operating Expenses tables. Although your actual costs may be higher or lower, based on these assumptions, your costs would be:

1. If you surrender or annuitize your Certificate at the end of the applicable time period⁽¹⁾:

1 Year				3 Years				5 Years				10 Years
	$8,976			$	12,592			$	16,292			$	28,207

2. If you do not surrender or annuitize at the end of the applicable time period:

1 Year				3 Years				5 Years				10 Years
	$2,520			$	7,749			$	13,241			$	28,207

Example 2

The second example immediately below assumes the minimum fees and expenses of any of the Investment Options as set forth in the Annual Investment Option Operating Expenses tables. Although your actual costs may be higher or lower, based on these assumptions, your costs would be:

1. If you surrender or annuitize your Certificate at the end of the applicable time period⁽¹⁾:

1 Year				3 Years				5 Years				10 Years
	$8,011			$	9,619			$	11,200			$	17,488

2. If you do not surrender or annuitize at the end of the applicable time period:

1 Year				3 Years				5 Years				10 Years
	$1,490			$	4,629			$	7,992			$	17,488

Certificates Issued Before June 1, 2025

Example 3

The third example immediately below assumes the maximum fees and expenses of any of the Investment Options as set forth in the Annual Investment Options Operating Expenses tables. Although your actual costs may be higher or lower, based on these assumptions, your costs would be:

1. If you surrender your Certificate or you annuitize at the end of the applicable time period and elect fixed settlement option 1:

1 Year				3 Years				5 Years				10 Years
	$8,976			$	12,592			$	16,292			$	28,207

2. If you annuitize at the end of the applicable time period and elect fixed settlement option 2 or 4 with a one-year annuity payment period⁽²⁾:

1 Year				3 Years				5 Years				10 Years
	$8,054			$	11,624			$	15,275			$	28,207

3. If you do not surrender your Certificate or you annuitize at the end of the applicable time period and elect fixed settlement option 3 or 5, or a variable settlement option:

1 Year				3 Years				5 Years				10 Years
	$2,520			$	7,749			$	13,241			$	28,207

Example 4

The fourth example immediately below assumes the minimum fees and expenses of any of the Investment Options as set forth in the Annual Investment Option Operating Expenses tables. Although your actual costs may be higher or lower, based on these assumptions, your costs would be:

1. If you surrender your Certificate or you annuitize at the end of the applicable time period and elect fixed settlement option 1:

1 Year				3 Years				5 Years				10 Years
	$8,011			$	9,619			$	11,200			$	17,488

2. If you annuitize at the end of the applicable time period and elect fixed settlement option 2 or 4 with a one-year annuity payment period⁽²⁾:

1 Year				3 Years				5 Years				10 Years
	$7,080			$	8,621			$	10,131			$	17,488

3. If you do not surrender your Certificate or you annuitize at the end of the applicable time period and elect fixed settlement option 3 or 5, or a variable settlement option:

1 Year				3 Years				5 Years				10 Years
	$1,490			$	4,629			$	7,992			$	17,488

(1) For Certificates issued on or after June 1, 2025 in the State of Florida, we do not apply a surrender charge if you elect to receive a life contingent settlement option, as described in "CHARGES AND DEDUCTIONS—Surrender Charge (Contingent Deferred Sales Charge)—Surrender Charge at the Retirement Date." For more information on the calculation of the surrender charge associated with a partial withdrawal or surrender, see "CHARGES AND DEDUCTIONS—Surrender Charge (Contingent Deferred Sales Charge)".

(2) Selection of an annuity payment period with a duration greater than one year would result in lower one-, three-, and five-year expense figures. In calculating the surrender charge that would apply in the case of annuitization under fixed payment option 2 or 4, the Society will add the number of years for which payments will be made under the annuity payment option selected to the number of Certificate Years since the Issue Date to determine the Certificate Year in which the surrender is deemed to occur for purposes of determining the surrender charge percentage that would apply upon annuitization. For more information on the calculation of the surrender charge on the Retirement Date, see "CHARGES AND DEDUCTIONS—Surrender Charge (Contingent Deferred Sales Charge)—Surrender Charge at the Retirement Date." For more information on the calculation of the surrender charge associated with a partial withdrawal or surrender, see "CHARGES AND DEDUCTIONS—Surrender Charge (Contingent Deferred Sales Charge)."

Transaction Expenses [Table Text Block]

Transaction Expenses	Guaranteed Maximum Charge			Current Charge
Surrender Charge (as a percentage of amount withdrawn or surrendered)⁽¹⁾		8	%		8	%
Transfer Processing Fee⁽²⁾		$25			$25

Other Transaction Fee, Current [Percent]

8.00%

^[1]

Annual Contract Expenses [Table Text Block]

Annual Certificate Expenses	Guaranteed Maximum Charge			Current Charge
Administrative Expenses (includes Annual Administrative Charge)⁽³⁾		$45			$30
Base Certificate Expenses (as a percentage of average variable Accumulated Value) (includes mortality and expense risk charge)		1.40	%		1.40	%

Administrative Expense, Maximum [Dollars]

$ 45

^[4]

Administrative Expense, Current [Dollars]

$ 30

^[4]

Administrative Expense, Footnotes [Text Block]

We currently deduct an annual administrative charge of $30 on the Issue Date and on each Certificate Anniversary prior to the Retirement Date and may waive the charge if your initial premium payment, or whenever your Accumulated Value on the most recent Certificate Anniversary, is $50,000 or greater.

Base Contract Expense (of Average Account Value), Maximum [Percent]

1.40%

Base Contract Expense (of Average Account Value), Current [Percent]

1.40%

Annual Portfolio Company Expenses [Table Text Block]

Annual Investment Option Operating Expenses	Minimum			Maximum
Annual Investment Option Operating Expenses (expenses that are deducted from Investment Option assets, including management fees, distribution and/or service (12b-1) fees and other expenses)⁽⁴⁾		0.09	%		1.12	%
Annual Investment Option Operating Expenses After Fee Waiver or Reimbursement⁽⁵⁾		0.09	%		1.07	%

(4) Some Investment Options may impose a redemption fee of up to 2% of the amount withdrawn to deter frequent trading activity.

Portfolio Company Expenses Before Waivers and Reimbursement Minimum [Percent]

0.09%

^[5]

Portfolio Company Expenses Before Waivers and Reimbursement Maximum [Percent]

1.12%

^[5]

Portfolio Company Expenses After Waivers and Reimbursement Minimum [Percent]

0.09%

^[6]

Portfolio Company Expenses After Waivers and Reimbursement Maximum [Percent]

1.07%

^[6]

Portfolio Company Expenses, Footnotes [Text Block]

(4) Some Investment Options may impose a redemption fee of up to 2% of the amount withdrawn to deter frequent trading activity.

Item 5. Principal Risks [Table Text Block]

PRINCIPAL RISKS OF INVESTING IN THE CERTIFICATE

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

Investment Risk. You bear the risk of any decline in the Accumulated Value of your Certificate resulting from the performance of the Investment Option(s) you have chosen. The Accumulated Value could decline very significantly, and there is a risk of loss of the entire amount invested. This risk varies with each Investment Option. This risk could have a significant negative impact on certain benefits and guarantees under the Certificate. The investment risks are described in the prospectuses for the Investment Options.

Tax Consequences. Withdrawals are generally taxable (to the extent of any earnings in the Certificate), and prior to age 59¹/₂ an additional tax may apply.

Certificate Changes Risk. The Society reserves the right to add, remove or substitute Investment Options that are available under the Certificate. The Society may also limit transfers in accordance with our policies and procedures to detect and deter frequent transfers. We may discontinue or modify any of the optional benefits at any time prior to the time you elect. We reserve the right to change the method of crediting interest to the Declared Interest Option, provided that such changes do not have the effect of reducing the interest rate for the Certificate Year below the minimum guaranteed interest rate for the Certificate, or shortening the period for which the current interest rate applies to less than a Certificate Year. If mandated under applicable law, the Society may be required to reject a premium payment.

Society Risk. An investment in the Certificate is subject to the risks related to the Society. Any obligations (including under the Declared Interest Option), guarantees, or benefits are subject to the claims-paying ability of the Society. More information about the Society, including its financial strength ratings, is available upon request by calling the Variable Product Administrative Center at 1-866-628-6776 or emailing VPACServices@modern-woodmen.org.

Business Disruption and Cyber Security Risk. We rely heavily on interconnected computer systems and digital data to conduct our variable product business activities. Because our variable product business is highly dependent upon the effective operation of our computer systems and those of our business partners, our business is vulnerable to disruptions from utility outages, and susceptible to operational and information security risks resulting from information systems failure (e.g., hardware and software malfunctions), and cyber-attacks. Cyber-attacks may be systemic (e.g., affecting the internet, cloud services, or other infrastructure) or targeted (e.g., failures in or breach of our systems or those of third parties on whom we rely). These risks include, among other things, the loss, theft, misuse, corruption and destruction of data maintained online or digitally, interference with or denial of service, attacks on websites and other operational disruption and unauthorized release of confidential Certificate Holder information. The risk of cyber-attacks may be higher during periods of geopolitical turmoil (such as the Russian invasion of Ukraine and the responses by the United States and other governments, and the recent military conflict between the United States and Iran). The continuing use of remote or flexible work arrangements, remote access tools, and mobile technology have expanded potential cyber-attack surfaces. Due to the increasing sophistication of cyber-attacks, such cyber security incidents could occur and persist for an extended period of time without detection.

Systems failures and cyber-attacks affecting us, the Investment Options, intermediaries and other affiliated or third-party service providers may adversely affect us and your Accumulated Value. For instance, systems failures and cyber-attacks may interfere with our processing of Certificate transactions, including the processing of orders with the Investment Options, impact our ability to

calculate unit values or the Investment Options' ability to calculate share values, cause the release and possible destruction of confidential customer or business information, impede order processing, subject us and/or our service providers and intermediaries to regulatory fines, litigation, and financial losses and/or cause reputational damage. Cyber security risks may also impact the issuers of securities in which the Investment Options invest, which may cause the Investment Options underlying your Certificate to lose value. There can be no assurance that we or the Investment Options or our service providers and intermediaries will avoid losses affecting your Certificate due to cyber-attacks or information security breaches in the future.

We are also exposed to risks related to natural and man-made disasters, such as (but not limited to) storms, fires, floods, earthquakes, epidemics, pandemics, malicious acts, and terrorist acts, which could adversely affect our ability to conduct business. A natural or man-made disaster, including a pandemic, could affect the ability, or willingness, of our workforce and employees of service providers and third party administrators to perform their job responsibilities. They could result in our business operations being less efficient than under normal circumstances and lead to delays in our issuing Certificates and processing of other Certificate-related transactions, including orders from Certificate Holders. Disasters may negatively affect the computer and other systems on which we rely and may interfere with our ability to receive, pickup and process mail, our processing of Certificate-related transactions, impact our ability to calculate Accumulated Value, or have other possible negative impacts. These events may also impact the issuers of securities in which the Investment Options invest, which may cause the Investment Options underlying your Certificate to lose value. There can be no assurance that we, the Investment Options or our service providers will avoid losses affecting your Certificate due to a natural disaster.

Benefits Available (N-4) [Text Block]

BENEFITS AVAILABLE UNDER THE CERTIFICATE

Certain standard features or benefits are available under the Certificate for no additional charge. The purposes and restrictions of each of these benefits are briefly summarized in the following table. Some of the benefits in the table below may have been discussed in the above sections.

Benefit

Purpose

Fee

Restrictions/Limitations

Automatic Rebalancing Program

Automatically transfers amounts to maintain a particular percentage allocation among the Subaccounts and Declared Interest Option

None

● Maximum number of Investment Options which you may select at any one time is 10, including the Declared Interest Option.
● Cannot be utilized in combination with the dollar cost averaging program.
● Transferring all assets to the Declared Interest Option will terminate any automatic rebalancing instructions.

Benefit

Purpose

Fee

Restrictions/Limitations

Dollar Cost Averaging Program

Systematically transfers a set amount each month from the source account or the Declared Interest Option to other available Investment Options over a period of time

None

● You must place at least $1,000 in a single "source account" (either the Declared Interest Option or the Money Market Subaccount).
● Minimum amount of each transfer is $100.
● Maximum number of Investment Options which you may select at any one time is 10, including the Declared Interest Option.
● Terminates when monies in the source account are depleted.
● Cannot be utilized in combination with automatic rebalancing or systematic withdrawal programs.

Systematic Withdrawal Program

Automatically withdraws a specific amount of Accumulated Value from selected Subaccounts or the Declared Interest Option

None

● Minimum amount which you may withdraw is $100.
● Maximum amount which you may withdraw is that which would leave the remaining Accumulated Value equal to $2,000. We may deny an automatic partial withdrawal request that would reasonably cause the Accumulated Value to be less than $2,000 within one year.
● Cannot be utilized in combination with dollar cost averaging program.

Interest Sweep Program

Automatically transfers interest earnings from the Declared Interest Option to one or more Subaccounts on your Certificate Anniversary

None

● Must have at least $5,000 in the Declared Interest Option to establish the program.
● Maximum number of Subaccounts to receive interest earnings at any one time is 10.
● Not available for Certificates issued in Oregon, South Carolina, and Utah prior to March 1, 2012.
● Not available for Certificates issued in Washington prior to February 1, 2009.

Benefit

Purpose

Fee

Restrictions/Limitations

Death Benefit

Before the Retirement Date, upon the Annuitant's death, we will pay a death benefit to the Beneficiary in one sum within five years of the deceased Annuitant's death.

None

● If original Annuitant's age on the Issue Date was less than 76, we determine the death benefit as of the date we receive Due Proof of Death and the death benefit equals the greatest of:
● sum of premiums paid, less the sum of all partial withdrawal reductions;
● Accumulated Value; or
● Performance Enhanced Death Benefit (PEDB) amount.
● If original Annuitant's age on the Issue Date was 76 or older, we determine the death benefit as of the date we receive Due Proof of Death and the death benefit equals the greater of:
● sum of the premiums paid, less the sum of all partial withdrawal reductions, or
● Accumulated Value.

Incremental Death Benefit Rider

Provides a death benefit that is in addition to the death benefit available under the Certificate

None

● Not available if the Annuitant's age on the Issue Date is 71 or over.
● No incremental death benefit is paid if market decline results in the Accumulated Value being less than premium payments minus any partial withdrawal reductions.
● No incremental death benefit is paid if the sum of all premium payments minus the sum of all partial withdrawal reductions is equal to or less than zero.
● Not available in Washington.

Benefits Available [Table Text Block]

Benefit

Purpose

Fee

Restrictions/Limitations

Automatic Rebalancing Program

Automatically transfers amounts to maintain a particular percentage allocation among the Subaccounts and Declared Interest Option

None

Benefit

Purpose

Fee

Restrictions/Limitations

Dollar Cost Averaging Program

Systematically transfers a set amount each month from the source account or the Declared Interest Option to other available Investment Options over a period of time

None

Systematic Withdrawal Program

Automatically withdraws a specific amount of Accumulated Value from selected Subaccounts or the Declared Interest Option

None

Interest Sweep Program

Automatically transfers interest earnings from the Declared Interest Option to one or more Subaccounts on your Certificate Anniversary

None

Benefit

Purpose

Fee

Restrictions/Limitations

Death Benefit

Before the Retirement Date, upon the Annuitant's death, we will pay a death benefit to the Beneficiary in one sum within five years of the deceased Annuitant's death.

None

Incremental Death Benefit Rider

Provides a death benefit that is in addition to the death benefit available under the Certificate

None

Item 17. Investment Options [Line Items]

Investment Options (N-4) [Text Block]

APPENDIX A: INVESTMENT OPTIONS AVAILABLE UNDER THE CERTIFICATE

Variable Investment Options

The following is a list of the variable Investment Options available under the Certificate. More information about the Investment Options is available in the prospectuses for the Investment Options, which may be amended from time and time and can be found online at https://www.modernwoodmen.org/our-products/annuities/variable-annuity-documents. You can also request this information at no cost by calling the Variable Product Administrative Center at 1-866-628-6776 or sending an email request to VPACServices@modern-woodmen.org.

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

Investment Option and

Current

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

Investment Objective

Adviser/Sub-Adviser

Expenses

1 Year

5 Year

10 Year

Provide high total return (including income and capital gains) consistent with preservation of capital over the long term

American Funds Insurance
Series (IS)
American Funds IS Asset Allocation Fund—Class 2
Adviser: Capital Research and Management Company

0.54%

15.85%

8.97%

9.77%

Provide a level of current income that exceeds the average yield on U.S. stocks generally and provide a growing stream of income over the years. To provide growth of capital as a secondary objective

American Funds Insurance
Series (IS)
American Funds IS Capital Income Builder^®—Class 1
Adviser: Capital Research and Management Company

0.27%*

20.69%

9.36%

7.84%

	Investment Option and	Current	Average Annual Total Returns (as of 12/31/2025)
Investment Objective	Adviser/Sub-Adviser	Expenses	1 Year	5 Year	10 Year
Provide, over the long term, a high level of total return consistent with prudent investment management. Total return comprises the income generated by the fund and the changes in the market value of the fund's investments.	American Funds Insurance Series (IS) American Funds IS Capital World Bond Fund^®—Class 2 Adviser: Capital Research and Management Company	0.73%	9.39%	-2.50%	1.23%
Long-term growth of capital while providing current income	American Funds Insurance Series (IS) American Funds IS Capital World Growth and Income Fund^®—Class 1 Adviser: Capital Research and Management Company	0.41%*	25.16%	10.56%	11.30%
Long-term growth of capital	American Funds Insurance Series (IS) American Funds IS SMALLCAP World Fund^®—Class 1 (formerly Global Small Capitalization Fund) Adviser: Capital Research and Management Company	0.65%*	14.89%	0.73%	7.50%
Growth of capital	American Funds Insurance Series (IS) American Funds IS Growth Fund—Class 2 Adviser: Capital Research and Management Company	0.58%	20.24%	13.37%	17.97%
Long-term growth of capital and income	American Funds Insurance Series (IS) American Funds IS Growth-Income Fund—Class 2 Adviser: Capital Research and Management Company	0.53%	18.06%	13.90%	13.92%

	Investment Option and	Current	Average Annual Total Returns (as of 12/31/2025)
Investment Objective	Adviser/Sub-Adviser	Expenses	1 Year	5 Year	10 Year
Growth of capital while seeking to manage volatility and provide downside protection	American Funds Insurance Series (IS) American Funds IS Managed Risk Growth Fund—Class P1⁽¹⁾Adviser: Capital Research and Management Company Sub-Adviser: Milliman Financial Risk Management LLC	0.68%	13.63%	8.22%	12.03%
Long-term growth of capital and income while seeking to manage volatility and provide downside protection	American Funds Insurance Series (IS) American Funds IS Managed Risk Growth-Income Fund—Class P1⁽¹⁾Adviser: Capital Research and Management Company Sub-Adviser: Milliman Financial Risk Management LLC	0.63%	11.45%	7.97%	9.26%
Long-term capital appreciation	American Funds Insurance Series (IS) American Funds IS New World Fund^®—Class 1 Adviser: Capital Research and Management Company	0.57%*	28.60%	5.59%	9.53%
Provide as high a level of current income as is consistent with the preservation of capital	American Funds Insurance Series (IS) American Funds IS The Bond Fund of America^®—Class 1 Adviser: Capital Research and Management Company	0.22%*	7.40%	0.10%	2.61%
Long-term capital appreciation	*BNY Mellon* BNY Mellon Sustainable U.S. Equity Portfolio, Inc.—Service Share Class Adviser: BNY Mellon Investment Advisor, Inc. Sub-Adviser: Newton Investment Management Limited	0.91%	15.67%	11.65%	13.27%

	Investment Option and	Current	Average Annual Total Returns (as of 12/31/2025)
Investment Objective	Adviser/Sub-Adviser	Expenses	1 Year	5 Year	10 Year
Long-term capital growth consistent with preservation of capital with current income as a secondary goal	*BNY Mellon* BNY Mellon Variable Investment Fund: Appreciation Portfolio—Initial Share Class Adviser: BNY Mellon Investment Advisor, Inc. Sub-Adviser: Fayez Sarofim & Co.	0.85%	10.07%	9.37%	12.92%
Long-term capital growth, current income and growth of income consistent with reasonable investment risk	*BNY Mellon* BNY Mellon Variable Investment Fund: Growth and Income Portfolio—Initial Share Class Adviser: BNY Mellon Investment Advisor, Inc. Sub-Adviser: Newton Investment Management North America, LLC	0.70%*	16.83%	14.22%	14.66%
Capital growth	*BNY Mellon* BNY Mellon Variable Investment Fund: Small Cap Portfolio—Initial Share Class (formerly Opportunistic Small Cap Portfolio) Adviser: BNY Mellon Investment Advisor, Inc. Sub-Adviser: Newton Investment Management North America, LLC	0.83%	10.99%	4.26%	7.83%
Investment results that correspond to investment performance of U.S. common stocks, as represented by NASDAQ 100^® Index	*Calvert Variable Trust, Inc.* CVT NASDAQ 100 Index Portfolio—Class I Adviser: Calvert Research and Management Sub-Adviser: Ameritas Investment Partners, Inc.	0.49%*	20.39%	14.73%	19.09%

Investment Option and

Current

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

Investment Objective

Adviser/Sub-Adviser

Expenses

1 Year

5 Year

10 Year

Investment results that correspond to investment performance of U.S. common stocks, as represented by Russell 2000^® Index

Calvert Variable Trust, Inc.
CVT Russell 2000 Small Cap Index Portfolio—Class I
Adviser: Calvert Research and Management
Sub-Adviser: Ameritas Investment Partners, Inc.

0.40%*

12.45%

5.83%

9.32%

Investment results that correspond to total return performance of U.S. common stocks, as represented by S&P MidCap 400^® Index

Calvert Variable Trust, Inc.
CVT S&P MidCap 400 Index Portfolio—Class I
Adviser: Calvert Research and Management
Sub-Adviser: Ameritas Investment Partners, Inc.

0.33%*

7.14%

8.77%

10.37%

Current income consistent with stability of principal and liquidity

Federated Hermes Insurance
Series Fund
Federated Hermes Government Money Fund II—Service
Share Class⁽²⁾Adviser: Federated Investment Management Company
Sub-Adviser: Federated Advisory Services Company (FASC)

0.63%*

3.73%

2.80%

1.73%

High current income and moderate capital appreciation

Federated Hermes Insurance
Series Fund
Federated Hermes Managed Volatility Fund II—Primary Shares⁽¹⁾Adviser: Federated Advisory Services Company (FASC), an affiliate of the Co-Advisers, Federated Investment Management Company (FIMCO) and Federated Equity Management Company of Pennsylvania (FEMCOPA)

0.97%*

6.93%

6.54%

6.84%

Current income

Federated Hermes Insurance
Series Fund
Federated Hermes Quality Bond Fund II—Primary Shares
Adviser: Federated Investment Management Company
Sub-Adviser: Federated Advisory Services Company (FASC)

0.74%*

7.08%

1.10%

2.99%

	Investment Option and	Current	Average Annual Total Returns (as of 12/31/2025)
Investment Objective	Adviser/Sub-Adviser	Expenses	1 Year	5 Year	10 Year
Income and capital growth consistent with reasonable risk	Fidelity^® Variable Insurance Products Funds Fidelity^® VIP Balanced Portfolio—Service Class 2 Adviser: Fidelity^® Management & Research Company LLC (FMR) Sub-Adviser: FMR Investment Management (UK) Limited (FMR UK), Fidelity^® Management & Research (Hong Kong) Limited (FMR H.K.), and Fidelity^® Management & Research (Japan) Limited (FMR Japan)	0.66%	14.96%	9.24%	10.84%
Long-term capital appreciation	Fidelity^® Variable Insurance Products Funds Fidelity^® VIP Contrafund^SM Portfolio—Initial Class Adviser: Fidelity^® Management & Research Company LLC (FMR) Sub-Adviser: FMR Investment Management (UK) Limited (FMR UK), Fidelity^® Management & Research (Hong Kong) Limited (FMR H.K.), and Fidelity^® Management & Research (Japan) Limited (FMR Japan)	0.54%	21.52%	15.37%	15.78%
Capital appreciation	Fidelity^® Variable Insurance Products Funds Fidelity^® VIP Energy Portfolio—Service Class 2 Adviser: Fidelity^® Management & Research Company LLC (FMR) Sub-Adviser: FMR Investment Management (UK) Limited (FMR UK), Fidelity^® Management & Research (Hong Kong) Limited (FMR H.K.), and Fidelity^® Management & Research (Japan) Limited (FMR Japan)	0.85%	10.34%	23.86%	7.69%

	Investment Option and	Current	Average Annual Total Returns (as of 12/31/2025)
Investment Objective	Adviser/Sub-Adviser	Expenses	1 Year	5 Year	10 Year
	Fidelity^® Variable Insurance Products Funds
High total return with a secondary objective of principal preservation as each portfolio approaches its target date and beyond	Fidelity^® VIP Freedom 2015 Portfolio^SM—Initial Class	0.41%	11.87%	3.99%	6.60%
	Fidelity^® VIP Freedom 2020 Portfolio^SM—Initial Class	0.44%	13.33%	4.84%	7.38%
	Fidelity^® VIP Freedom 2025 Portfolio^SM—Initial Class	0.46%	14.59%	5.52%	8.02%
	Fidelity^® VIP Freedom 2030 Portfolio^SM—Initial Class	0.49%	15.52%	6.25%	8.88%
	Fidelity^® VIP Freedom 2035 Portfolio^SM—Initial Class	0.53%	16.69%	7.55%	10.00%
	Fidelity^® VIP Freedom 2040 Portfolio^SM—Initial Class	0.57%	18.79%	9.01%	10.87%
	Fidelity^® VIP Freedom 2045 Portfolio^SM—Initial Class	0.60%	19.83%	9.44%	11.09%
	Fidelity^® VIP Freedom 2050 Portfolio^SM—Initial Class	0.60%	19.79%	9.43%	11.08%
	Fidelity^® VIP Freedom 2055 Portfolio^SM—Initial Class	0.60%	19.85%	9.43%	NA
	Fidelity^® VIP Freedom 2060 Portfolio^SM—Initial Class	0.60%	19.83%	9.44%	NA
	Fidelity^® VIP Freedom 2065 Portfolio^SM—Initial Class	0.60%	19.86%	9.43%	NA
	Adviser: Fidelity^® Management & Research Company LLC (FMR)
Capital appreciation	Fidelity^® Variable Insurance Products Funds Fidelity^® VIP Growth Portfolio—Initial Class Adviser: Fidelity^® Management & Research Company LLC (FMR) Sub-Adviser: FMR Investment Management (UK) Limited (FMR UK), Fidelity^® Management & Research (Hong Kong) Limited (FMR H.K.), and Fidelity^® Management & Research (Japan) Limited (FMR Japan)	0.55%	14.92%	13.70%	17.45%

	Investment Option and	Current	Average Annual Total Returns (as of 12/31/2025)
Investment Objective	Adviser/Sub-Adviser	Expenses	1 Year	5 Year	10 Year
High total return through a combination of current income and capital appreciation	Fidelity^® Variable Insurance Products Funds Fidelity^® VIP Growth & Income Portfolio—Initial Class Adviser: Fidelity^® Management & Research Company LLC (FMR) Sub-Adviser: FMR Investment Management (UK) Limited (FMR UK), Fidelity^® Management & Research (Hong Kong) Limited (FMR H.K.), and Fidelity^® Management & Research (Japan) Limited (FMR Japan)	0.47%	21.50%	16.11%	13.84%
High level of current income, while also considering growth of capital	Fidelity^® Variable Insurance Products Funds Fidelity^® VIP High Income Portfolio—Service Class 2 Adviser: Fidelity^® Management & Research Company LLC (FMR) Sub-Adviser: FMR Investment Management (UK) Limited (FMR UK), Fidelity^® Management & Research (Hong Kong) Limited (FMR H.K.), and Fidelity^® Management & Research (Japan) Limited (FMR Japan)	1.06%*	10.31%	4.00%	5.34%
Investment results that correspond to the total return of common stocks publicly traded in the United States, as represented by the S&P 500^® Index	Fidelity^® Variable Insurance Products Funds Fidelity^® VIP Index 500 Portfolio— Initial Class Adviser: Fidelity^® Management & Research Company LLC (FMR) Sub-Adviser: Geode Capital Management, LLC (Geode)	0.09%	17.78%	14.31%	14.70%

	Investment Option and	Current	Average Annual Total Returns (as of 12/31/2025)
Investment Objective	Adviser/Sub-Adviser	Expenses	1 Year	5 Year	10 Year
Long-term growth of capital	Fidelity^® Variable Insurance Products Funds Fidelity^® VIP Mid Cap Portfolio—Service Class 2 Adviser: Fidelity^® Management & Research Company LLC (FMR) Sub-Adviser: FMR Investment Management (UK) Limited (FMR UK), Fidelity^® Management & Research (Hong Kong) Limited (FMR H.K.), and Fidelity^® Management & Research (Japan) Limited (FMR Japan)	0.80%	11.49%	9.83%	10.31%
Long-term growth of capital	Fidelity^® Variable Insurance Products Funds Fidelity^® VIP Overseas Portfolio—Initial Class Adviser: Fidelity^® Management & Research Company LLC (FMR) Sub-Adviser: FMR Investment Management (UK) Limited (FMR UK), Fidelity^® Management & Research (Hong Kong) Limited (FMR H.K.), Fidelity^® Management & Research (Japan) Limited (FMR Japan), FIL Investment Advisors (FIA), and FIL Investment Advisors (UK) Limited (FIA (UK))	0.72%	20.39%	6.62%	7.93%
Above-average income and long-term capital growth, consistent with reasonable investment risk. The fund seeks to provide a yield that exceeds the composite yield of the S&P 500^® Index.	Fidelity^® Variable Insurance Products Funds Fidelity^® VIP Real Estate Portfolio—Initial Class Adviser: Fidelity^® Management & Research Company LLC (FMR) Sub-Adviser: FMR Investment Management (UK) Limited (FMR UK), Fidelity^® Management & Research (Hong Kong) Limited (FMR H.K.), and Fidelity^® Management & Research (Japan) Limited (FMR Japan)	0.60%	3.10%	4.23%	3.87%

	Investment Option and	Current	Average Annual Total Returns (as of 12/31/2025)
Investment Objective	Adviser/Sub-Adviser	Expenses	1 Year	5 Year	10 Year
High level of current income and may also seek capital appreciation	Fidelity^® Variable Insurance Products Funds Fidelity^® VIP Strategic Income Portfolio—Service Class 2 Adviser: Fidelity^® Management & Research Company LLC (FMR) Sub-Adviser: FMR Investment Management (UK) Limited (FMR UK), Fidelity^® Management & Research (Hong Kong) Limited (FMR H.K.), Fidelity^® Management & Research (Japan) Limited (FMR Japan), FIL Investment Advisors (FIA), and FIL Investment Advisors (UK) Limited (FIA (UK))	0.88%	8.58%	2.79%	4.40%
Capital appreciation	Fidelity^® Variable Insurance Products Funds Fidelity^® VIP Technology Portfolio—Initial Class Adviser: Fidelity^® Management & Research Company LLC (FMR) Sub-Adviser: FMR Investment Management (UK) Limited (FMR UK), Fidelity^® Management & Research (Hong Kong) Limited (FMR H.K.), and Fidelity^® Management & Research (Japan) Limited (FMR Japan)	0.56%	23.36%	16.83%	23.76%
Capital appreciation	Franklin Templeton Variable Insurance Products Trust Franklin DynaTech VIP Fund—Class 2 Adviser: Franklin Advisers, Inc.	0.88%	18.13%	9.09%	14.08%
Maximize income while maintaining prospects for capital appreciation	Franklin Templeton Variable Insurance Products Trust Franklin Income VIP Fund—Class 2 Adviser: Franklin Advisers, Inc.	0.72%	12.56%	7.66%	7.30%

	Investment Option and	Current	Average Annual Total Returns (as of 12/31/2025)
Investment Objective	Adviser/Sub-Adviser	Expenses	1 Year	5 Year	10 Year
Long-term capital appreciation with preservation of capital as an important consideration	Franklin Templeton Variable Insurance Products Trust Franklin Rising Dividends VIP Fund—Class 1 Adviser: Franklin Advisers, Inc.	0.64%	12.05%	9.77%	12.37%
Long-term total return	Franklin Templeton Variable Insurance Products Trust Franklin Small Cap Value VIP Fund—Class 2 Adviser: Franklin Mutual Advisers, LLC	0.91%*	7.65%	8.86%	9.81%
Long-term capital growth	Franklin Templeton Variable Insurance Products Trust Franklin Small-Mid Cap Growth VIP Fund—Class 1 Adviser: Franklin Advisers, Inc.	0.84%	2.70%	1.27%	10.16%
High level of current income with capital appreciation over the long term as a secondary goal	Franklin Templeton Variable Insurance Products Trust Franklin Strategic Income VIP Fund—Class 2 Adviser: Franklin Advisers, Inc.	1.07%*	7.24%	1.92%	3.10%
Capital growth	*Lincoln Variable Insurance Products Trust* LVIP American Century Capital Appreciation Fund—Standard Class II Adviser: Lincoln Financial Investments Corporation Sub-Adviser: American Century Investment Management, Inc.	0.79%*	6.72%	5.16%	11.47%

	Investment Option and	Current	Average Annual Total Returns (as of 12/31/2025)
Investment Objective	Adviser/Sub-Adviser	Expenses	1 Year	5 Year	10 Year
Long-term capital growth with income as a secondary objective	*Lincoln Variable Insurance Products Trust* LVIP American Century Mid Cap Value Fund—Standard Class II Adviser: Lincoln Financial Investments Corporation Sub-Adviser: American Century Investment Management, Inc.	0.86%*	8.99%	8.89%	9.12%
Long-term capital growth	*Lincoln Variable Insurance Products Trust* LVIP American Century Ultra^® Fund—Standard Class II Adviser: Lincoln Financial Investments Corporation Sub-Adviser: American Century Investment Management, Inc.	0.75%*	12.84%	11.68%	17.16%
Capital appreciation with secondary goal of achieving current income by investing primarily in equity securities	Lincoln Variable Insurance Products Trust LVIP JPMorgan Mid Cap Value Fund—Standard Class Adviser: Lincoln Financial Investments Corporation Sub-Adviser: J.P. Morgan Investment Management, Inc.	0.74%	4.72%	9.63%	8.77%
Capital growth over the long term	Lincoln Variable Insurance Products Trust LVIP JPMorgan Small Cap Core Fund—Standard Class Adviser: Lincoln Financial Investments Corporation Sub-Adviser: J.P. Morgan Investment Management, Inc.	0.77%	10.27%	6.40%	8.95%
Long-term capital growth by investing primarily in the common stocks of growth companies	*T. Rowe Price Equity Series, Inc.* All-Cap Opportunities Portfolio Adviser: T. Rowe Price Associates, Inc.	0.80%*	16.30%	12.22%	16.93%

	Investment Option and	Current	Average Annual Total Returns (as of 12/31/2025)
Investment Objective	Adviser/Sub-Adviser	Expenses	1 Year	5 Year	10 Year
High level of dividend income and long-term capital growth primarily through investments in stocks	*T. Rowe Price Equity Series, Inc.* Equity Income Portfolio Adviser: T. Rowe Price Associates, Inc.	0.74%	14.36%	11.17%	10.51%
Long-term capital appreciation	*T. Rowe Price Equity Series, Inc.* Health Sciences Portfolio Adviser: T. Rowe Price Associates, Inc.	0.86%	18.10%	4.12%	8.97%
Long-term capital appreciation by investing in mid-cap stocks with potential for above-average earnings growth	*T. Rowe Price Equity Series, Inc.* Mid-Cap Growth Portfolio Adviser: T. Rowe Price Associates, Inc. Sub-Adviser: T. Rowe Price Investment Management, Inc.	0.84%*	3.55%	3.84%	9.81%
Highest total return over time consistent with an emphasis on both capital appreciation and income	*T. Rowe Price Equity Series, Inc.* Moderate Allocation Portfolio Adviser: T. Rowe Price Associates, Inc. Sub-Adviser: T. Rowe Price Hong Kong Limited, T. Rowe Price Investment Management, Inc. and T. Rowe Price International Ltd.	0.85%*	14.50%	5.50%	7.84%
Long-term growth of capital through investments primarily in the common stocks of established, non-U.S. companies	T. Rowe Price International Series, Inc. International Stock Portfolio Adviser: T. Rowe Price Associates, Inc. Sub-Adviser: T. Rowe Price International Ltd. (Price International)	0.95%*	18.41%	3.92%	7.10%

* These Investment Options and their investment advisers have entered into fee waivers or expense reimbursement arrangements. These temporary fee reductions are reflected in their annual expenses. Those arrangements are designed to reduce total annual portfolio operating expenses for Certificate Holders and will continue past the current year.

(1) The Investment Option includes a volatility management strategy as part of the Investment Option's investment objective and/or principal investment strategy. See "Volatility Management Strategies" contained herein.

(2) You could lose money by investing in the Federated Hermes Government Money Fund II. Although the Federated Hermes Government Money Fund II seeks to preserve the value of your investment at $1.00 per share, it cannot guarantee it will do so. An investment in the Federated Hermes Government Money Fund II is not insured or guaranteed by the

Federal Deposit Insurance Corporation or any other government agency. The Federated Hermes Government Money Fund II's sponsor has no legal obligation to provide financial support to the Federated Hermes Government Money Fund II, and you should not expect that the sponsor will provide financial support to the Federated Hermes Government Money Fund II at any time. The yield of the Fund may become very low during periods of low interest rates. After deduction of Separate Account Annual Expenses, the yield of the Subaccount that invests in the Fund could be negative. If the yield of the Subaccount becomes negative, Accumulated Value invested in the Subaccount may decline.

Prospectuses Available [Text Block]

Portfolio Companies [Table Text Block]

Investment Option and

Current

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

Investment Objective

Adviser/Sub-Adviser

Expenses

1 Year

5 Year

10 Year

Provide high total return (including income and capital gains) consistent with preservation of capital over the long term

American Funds Insurance
Series (IS)
American Funds IS Asset Allocation Fund—Class 2
Adviser: Capital Research and Management Company

0.54%

15.85%

8.97%

9.77%

Provide a level of current income that exceeds the average yield on U.S. stocks generally and provide a growing stream of income over the years. To provide growth of capital as a secondary objective

American Funds Insurance
Series (IS)
American Funds IS Capital Income Builder^®—Class 1
Adviser: Capital Research and Management Company

0.27%*

20.69%

9.36%

7.84%

	Investment Option and	Current	Average Annual Total Returns (as of 12/31/2025)
Investment Objective	Adviser/Sub-Adviser	Expenses	1 Year	5 Year	10 Year
Provide, over the long term, a high level of total return consistent with prudent investment management. Total return comprises the income generated by the fund and the changes in the market value of the fund's investments.	American Funds Insurance Series (IS) American Funds IS Capital World Bond Fund^®—Class 2 Adviser: Capital Research and Management Company	0.73%	9.39%	-2.50%	1.23%
Long-term growth of capital while providing current income	American Funds Insurance Series (IS) American Funds IS Capital World Growth and Income Fund^®—Class 1 Adviser: Capital Research and Management Company	0.41%*	25.16%	10.56%	11.30%
Long-term growth of capital	American Funds Insurance Series (IS) American Funds IS SMALLCAP World Fund^®—Class 1 (formerly Global Small Capitalization Fund) Adviser: Capital Research and Management Company	0.65%*	14.89%	0.73%	7.50%
Growth of capital	American Funds Insurance Series (IS) American Funds IS Growth Fund—Class 2 Adviser: Capital Research and Management Company	0.58%	20.24%	13.37%	17.97%
Long-term growth of capital and income	American Funds Insurance Series (IS) American Funds IS Growth-Income Fund—Class 2 Adviser: Capital Research and Management Company	0.53%	18.06%	13.90%	13.92%

	Investment Option and	Current	Average Annual Total Returns (as of 12/31/2025)
Investment Objective	Adviser/Sub-Adviser	Expenses	1 Year	5 Year	10 Year
Growth of capital while seeking to manage volatility and provide downside protection	American Funds Insurance Series (IS) American Funds IS Managed Risk Growth Fund—Class P1⁽¹⁾Adviser: Capital Research and Management Company Sub-Adviser: Milliman Financial Risk Management LLC	0.68%	13.63%	8.22%	12.03%
Long-term growth of capital and income while seeking to manage volatility and provide downside protection	American Funds Insurance Series (IS) American Funds IS Managed Risk Growth-Income Fund—Class P1⁽¹⁾Adviser: Capital Research and Management Company Sub-Adviser: Milliman Financial Risk Management LLC	0.63%	11.45%	7.97%	9.26%
Long-term capital appreciation	American Funds Insurance Series (IS) American Funds IS New World Fund^®—Class 1 Adviser: Capital Research and Management Company	0.57%*	28.60%	5.59%	9.53%
Provide as high a level of current income as is consistent with the preservation of capital	American Funds Insurance Series (IS) American Funds IS The Bond Fund of America^®—Class 1 Adviser: Capital Research and Management Company	0.22%*	7.40%	0.10%	2.61%
Long-term capital appreciation	*BNY Mellon* BNY Mellon Sustainable U.S. Equity Portfolio, Inc.—Service Share Class Adviser: BNY Mellon Investment Advisor, Inc. Sub-Adviser: Newton Investment Management Limited	0.91%	15.67%	11.65%	13.27%

	Investment Option and	Current	Average Annual Total Returns (as of 12/31/2025)
Investment Objective	Adviser/Sub-Adviser	Expenses	1 Year	5 Year	10 Year
Long-term capital growth consistent with preservation of capital with current income as a secondary goal	*BNY Mellon* BNY Mellon Variable Investment Fund: Appreciation Portfolio—Initial Share Class Adviser: BNY Mellon Investment Advisor, Inc. Sub-Adviser: Fayez Sarofim & Co.	0.85%	10.07%	9.37%	12.92%
Long-term capital growth, current income and growth of income consistent with reasonable investment risk	*BNY Mellon* BNY Mellon Variable Investment Fund: Growth and Income Portfolio—Initial Share Class Adviser: BNY Mellon Investment Advisor, Inc. Sub-Adviser: Newton Investment Management North America, LLC	0.70%*	16.83%	14.22%	14.66%
Capital growth	*BNY Mellon* BNY Mellon Variable Investment Fund: Small Cap Portfolio—Initial Share Class (formerly Opportunistic Small Cap Portfolio) Adviser: BNY Mellon Investment Advisor, Inc. Sub-Adviser: Newton Investment Management North America, LLC	0.83%	10.99%	4.26%	7.83%
Investment results that correspond to investment performance of U.S. common stocks, as represented by NASDAQ 100^® Index	*Calvert Variable Trust, Inc.* CVT NASDAQ 100 Index Portfolio—Class I Adviser: Calvert Research and Management Sub-Adviser: Ameritas Investment Partners, Inc.	0.49%*	20.39%	14.73%	19.09%

Investment Option and

Current

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

Investment Objective

Adviser/Sub-Adviser

Expenses

1 Year

5 Year

10 Year

Investment results that correspond to investment performance of U.S. common stocks, as represented by Russell 2000^® Index

Calvert Variable Trust, Inc.
CVT Russell 2000 Small Cap Index Portfolio—Class I
Adviser: Calvert Research and Management
Sub-Adviser: Ameritas Investment Partners, Inc.

0.40%*

12.45%

5.83%

9.32%

Investment results that correspond to total return performance of U.S. common stocks, as represented by S&P MidCap 400^® Index

Calvert Variable Trust, Inc.
CVT S&P MidCap 400 Index Portfolio—Class I
Adviser: Calvert Research and Management
Sub-Adviser: Ameritas Investment Partners, Inc.

0.33%*

7.14%

8.77%

10.37%

Current income consistent with stability of principal and liquidity

0.63%*

3.73%

2.80%

1.73%

High current income and moderate capital appreciation

0.97%*

6.93%

6.54%

6.84%

Current income

0.74%*

7.08%

1.10%

2.99%

	Investment Option and	Current	Average Annual Total Returns (as of 12/31/2025)
Investment Objective	Adviser/Sub-Adviser	Expenses	1 Year	5 Year	10 Year
Income and capital growth consistent with reasonable risk	Fidelity^® Variable Insurance Products Funds Fidelity^® VIP Balanced Portfolio—Service Class 2 Adviser: Fidelity^® Management & Research Company LLC (FMR) Sub-Adviser: FMR Investment Management (UK) Limited (FMR UK), Fidelity^® Management & Research (Hong Kong) Limited (FMR H.K.), and Fidelity^® Management & Research (Japan) Limited (FMR Japan)	0.66%	14.96%	9.24%	10.84%
Long-term capital appreciation	Fidelity^® Variable Insurance Products Funds Fidelity^® VIP Contrafund^SM Portfolio—Initial Class Adviser: Fidelity^® Management & Research Company LLC (FMR) Sub-Adviser: FMR Investment Management (UK) Limited (FMR UK), Fidelity^® Management & Research (Hong Kong) Limited (FMR H.K.), and Fidelity^® Management & Research (Japan) Limited (FMR Japan)	0.54%	21.52%	15.37%	15.78%
Capital appreciation	Fidelity^® Variable Insurance Products Funds Fidelity^® VIP Energy Portfolio—Service Class 2 Adviser: Fidelity^® Management & Research Company LLC (FMR) Sub-Adviser: FMR Investment Management (UK) Limited (FMR UK), Fidelity^® Management & Research (Hong Kong) Limited (FMR H.K.), and Fidelity^® Management & Research (Japan) Limited (FMR Japan)	0.85%	10.34%	23.86%	7.69%

	Investment Option and	Current	Average Annual Total Returns (as of 12/31/2025)
Investment Objective	Adviser/Sub-Adviser	Expenses	1 Year	5 Year	10 Year
	Fidelity^® Variable Insurance Products Funds
High total return with a secondary objective of principal preservation as each portfolio approaches its target date and beyond	Fidelity^® VIP Freedom 2015 Portfolio^SM—Initial Class	0.41%	11.87%	3.99%	6.60%
	Fidelity^® VIP Freedom 2020 Portfolio^SM—Initial Class	0.44%	13.33%	4.84%	7.38%
	Fidelity^® VIP Freedom 2025 Portfolio^SM—Initial Class	0.46%	14.59%	5.52%	8.02%
	Fidelity^® VIP Freedom 2030 Portfolio^SM—Initial Class	0.49%	15.52%	6.25%	8.88%
	Fidelity^® VIP Freedom 2035 Portfolio^SM—Initial Class	0.53%	16.69%	7.55%	10.00%
	Fidelity^® VIP Freedom 2040 Portfolio^SM—Initial Class	0.57%	18.79%	9.01%	10.87%
	Fidelity^® VIP Freedom 2045 Portfolio^SM—Initial Class	0.60%	19.83%	9.44%	11.09%
	Fidelity^® VIP Freedom 2050 Portfolio^SM—Initial Class	0.60%	19.79%	9.43%	11.08%
	Fidelity^® VIP Freedom 2055 Portfolio^SM—Initial Class	0.60%	19.85%	9.43%	NA
	Fidelity^® VIP Freedom 2060 Portfolio^SM—Initial Class	0.60%	19.83%	9.44%	NA
	Fidelity^® VIP Freedom 2065 Portfolio^SM—Initial Class	0.60%	19.86%	9.43%	NA
	Adviser: Fidelity^® Management & Research Company LLC (FMR)
Capital appreciation	Fidelity^® Variable Insurance Products Funds Fidelity^® VIP Growth Portfolio—Initial Class Adviser: Fidelity^® Management & Research Company LLC (FMR) Sub-Adviser: FMR Investment Management (UK) Limited (FMR UK), Fidelity^® Management & Research (Hong Kong) Limited (FMR H.K.), and Fidelity^® Management & Research (Japan) Limited (FMR Japan)	0.55%	14.92%	13.70%	17.45%

	Investment Option and	Current	Average Annual Total Returns (as of 12/31/2025)
Investment Objective	Adviser/Sub-Adviser	Expenses	1 Year	5 Year	10 Year
High total return through a combination of current income and capital appreciation	Fidelity^® Variable Insurance Products Funds Fidelity^® VIP Growth & Income Portfolio—Initial Class Adviser: Fidelity^® Management & Research Company LLC (FMR) Sub-Adviser: FMR Investment Management (UK) Limited (FMR UK), Fidelity^® Management & Research (Hong Kong) Limited (FMR H.K.), and Fidelity^® Management & Research (Japan) Limited (FMR Japan)	0.47%	21.50%	16.11%	13.84%
High level of current income, while also considering growth of capital	Fidelity^® Variable Insurance Products Funds Fidelity^® VIP High Income Portfolio—Service Class 2 Adviser: Fidelity^® Management & Research Company LLC (FMR) Sub-Adviser: FMR Investment Management (UK) Limited (FMR UK), Fidelity^® Management & Research (Hong Kong) Limited (FMR H.K.), and Fidelity^® Management & Research (Japan) Limited (FMR Japan)	1.06%*	10.31%	4.00%	5.34%
Investment results that correspond to the total return of common stocks publicly traded in the United States, as represented by the S&P 500^® Index	Fidelity^® Variable Insurance Products Funds Fidelity^® VIP Index 500 Portfolio— Initial Class Adviser: Fidelity^® Management & Research Company LLC (FMR) Sub-Adviser: Geode Capital Management, LLC (Geode)	0.09%	17.78%	14.31%	14.70%

	Investment Option and	Current	Average Annual Total Returns (as of 12/31/2025)
Investment Objective	Adviser/Sub-Adviser	Expenses	1 Year	5 Year	10 Year
Long-term growth of capital	Fidelity^® Variable Insurance Products Funds Fidelity^® VIP Mid Cap Portfolio—Service Class 2 Adviser: Fidelity^® Management & Research Company LLC (FMR) Sub-Adviser: FMR Investment Management (UK) Limited (FMR UK), Fidelity^® Management & Research (Hong Kong) Limited (FMR H.K.), and Fidelity^® Management & Research (Japan) Limited (FMR Japan)	0.80%	11.49%	9.83%	10.31%
Long-term growth of capital	Fidelity^® Variable Insurance Products Funds Fidelity^® VIP Overseas Portfolio—Initial Class Adviser: Fidelity^® Management & Research Company LLC (FMR) Sub-Adviser: FMR Investment Management (UK) Limited (FMR UK), Fidelity^® Management & Research (Hong Kong) Limited (FMR H.K.), Fidelity^® Management & Research (Japan) Limited (FMR Japan), FIL Investment Advisors (FIA), and FIL Investment Advisors (UK) Limited (FIA (UK))	0.72%	20.39%	6.62%	7.93%
Above-average income and long-term capital growth, consistent with reasonable investment risk. The fund seeks to provide a yield that exceeds the composite yield of the S&P 500^® Index.	Fidelity^® Variable Insurance Products Funds Fidelity^® VIP Real Estate Portfolio—Initial Class Adviser: Fidelity^® Management & Research Company LLC (FMR) Sub-Adviser: FMR Investment Management (UK) Limited (FMR UK), Fidelity^® Management & Research (Hong Kong) Limited (FMR H.K.), and Fidelity^® Management & Research (Japan) Limited (FMR Japan)	0.60%	3.10%	4.23%	3.87%

	Investment Option and	Current	Average Annual Total Returns (as of 12/31/2025)
Investment Objective	Adviser/Sub-Adviser	Expenses	1 Year	5 Year	10 Year
High level of current income and may also seek capital appreciation	Fidelity^® Variable Insurance Products Funds Fidelity^® VIP Strategic Income Portfolio—Service Class 2 Adviser: Fidelity^® Management & Research Company LLC (FMR) Sub-Adviser: FMR Investment Management (UK) Limited (FMR UK), Fidelity^® Management & Research (Hong Kong) Limited (FMR H.K.), Fidelity^® Management & Research (Japan) Limited (FMR Japan), FIL Investment Advisors (FIA), and FIL Investment Advisors (UK) Limited (FIA (UK))	0.88%	8.58%	2.79%	4.40%
Capital appreciation	Fidelity^® Variable Insurance Products Funds Fidelity^® VIP Technology Portfolio—Initial Class Adviser: Fidelity^® Management & Research Company LLC (FMR) Sub-Adviser: FMR Investment Management (UK) Limited (FMR UK), Fidelity^® Management & Research (Hong Kong) Limited (FMR H.K.), and Fidelity^® Management & Research (Japan) Limited (FMR Japan)	0.56%	23.36%	16.83%	23.76%
Capital appreciation	Franklin Templeton Variable Insurance Products Trust Franklin DynaTech VIP Fund—Class 2 Adviser: Franklin Advisers, Inc.	0.88%	18.13%	9.09%	14.08%
Maximize income while maintaining prospects for capital appreciation	Franklin Templeton Variable Insurance Products Trust Franklin Income VIP Fund—Class 2 Adviser: Franklin Advisers, Inc.	0.72%	12.56%	7.66%	7.30%

	Investment Option and	Current	Average Annual Total Returns (as of 12/31/2025)
Investment Objective	Adviser/Sub-Adviser	Expenses	1 Year	5 Year	10 Year
Long-term capital appreciation with preservation of capital as an important consideration	Franklin Templeton Variable Insurance Products Trust Franklin Rising Dividends VIP Fund—Class 1 Adviser: Franklin Advisers, Inc.	0.64%	12.05%	9.77%	12.37%
Long-term total return	Franklin Templeton Variable Insurance Products Trust Franklin Small Cap Value VIP Fund—Class 2 Adviser: Franklin Mutual Advisers, LLC	0.91%*	7.65%	8.86%	9.81%
Long-term capital growth	Franklin Templeton Variable Insurance Products Trust Franklin Small-Mid Cap Growth VIP Fund—Class 1 Adviser: Franklin Advisers, Inc.	0.84%	2.70%	1.27%	10.16%
High level of current income with capital appreciation over the long term as a secondary goal	Franklin Templeton Variable Insurance Products Trust Franklin Strategic Income VIP Fund—Class 2 Adviser: Franklin Advisers, Inc.	1.07%*	7.24%	1.92%	3.10%
Capital growth	*Lincoln Variable Insurance Products Trust* LVIP American Century Capital Appreciation Fund—Standard Class II Adviser: Lincoln Financial Investments Corporation Sub-Adviser: American Century Investment Management, Inc.	0.79%*	6.72%	5.16%	11.47%

	Investment Option and	Current	Average Annual Total Returns (as of 12/31/2025)
Investment Objective	Adviser/Sub-Adviser	Expenses	1 Year	5 Year	10 Year
Long-term capital growth with income as a secondary objective	*Lincoln Variable Insurance Products Trust* LVIP American Century Mid Cap Value Fund—Standard Class II Adviser: Lincoln Financial Investments Corporation Sub-Adviser: American Century Investment Management, Inc.	0.86%*	8.99%	8.89%	9.12%
Long-term capital growth	*Lincoln Variable Insurance Products Trust* LVIP American Century Ultra^® Fund—Standard Class II Adviser: Lincoln Financial Investments Corporation Sub-Adviser: American Century Investment Management, Inc.	0.75%*	12.84%	11.68%	17.16%
Capital appreciation with secondary goal of achieving current income by investing primarily in equity securities	Lincoln Variable Insurance Products Trust LVIP JPMorgan Mid Cap Value Fund—Standard Class Adviser: Lincoln Financial Investments Corporation Sub-Adviser: J.P. Morgan Investment Management, Inc.	0.74%	4.72%	9.63%	8.77%
Capital growth over the long term	Lincoln Variable Insurance Products Trust LVIP JPMorgan Small Cap Core Fund—Standard Class Adviser: Lincoln Financial Investments Corporation Sub-Adviser: J.P. Morgan Investment Management, Inc.	0.77%	10.27%	6.40%	8.95%
Long-term capital growth by investing primarily in the common stocks of growth companies	*T. Rowe Price Equity Series, Inc.* All-Cap Opportunities Portfolio Adviser: T. Rowe Price Associates, Inc.	0.80%*	16.30%	12.22%	16.93%

	Investment Option and	Current	Average Annual Total Returns (as of 12/31/2025)
Investment Objective	Adviser/Sub-Adviser	Expenses	1 Year	5 Year	10 Year
High level of dividend income and long-term capital growth primarily through investments in stocks	*T. Rowe Price Equity Series, Inc.* Equity Income Portfolio Adviser: T. Rowe Price Associates, Inc.	0.74%	14.36%	11.17%	10.51%
Long-term capital appreciation	*T. Rowe Price Equity Series, Inc.* Health Sciences Portfolio Adviser: T. Rowe Price Associates, Inc.	0.86%	18.10%	4.12%	8.97%
Long-term capital appreciation by investing in mid-cap stocks with potential for above-average earnings growth	*T. Rowe Price Equity Series, Inc.* Mid-Cap Growth Portfolio Adviser: T. Rowe Price Associates, Inc. Sub-Adviser: T. Rowe Price Investment Management, Inc.	0.84%*	3.55%	3.84%	9.81%
Highest total return over time consistent with an emphasis on both capital appreciation and income	*T. Rowe Price Equity Series, Inc.* Moderate Allocation Portfolio Adviser: T. Rowe Price Associates, Inc. Sub-Adviser: T. Rowe Price Hong Kong Limited, T. Rowe Price Investment Management, Inc. and T. Rowe Price International Ltd.	0.85%*	14.50%	5.50%	7.84%
Long-term growth of capital through investments primarily in the common stocks of established, non-U.S. companies	T. Rowe Price International Series, Inc. International Stock Portfolio Adviser: T. Rowe Price Associates, Inc. Sub-Adviser: T. Rowe Price International Ltd. (Price International)	0.95%*	18.41%	3.92%	7.10%

Temporary Fee Reductions, Current Expenses [Text Block]

These Investment Options and their investment advisers have entered into fee waivers or expense reimbursement arrangements. These temporary fee reductions are reflected in their annual expenses. Those arrangements are designed to reduce total annual portfolio operating expenses for Certificate Holders and will continue past the current year.

American Funds Insurance Series (IS) American Funds IS Asset Allocation Fund—Class 2 [Member]

Provide high total return (including income and capital gains) consistent with preservation of capital over the long term

American Funds Insurance
Series (IS)American Funds IS Asset Allocation Fund—Class 2

Capital Research and Management Company

0.54%

15.85%

8.97%

American Funds Insurance Series (IS) American Funds IS Capital Income Builder®—Class 1 [Member]

9.77%

Provide a level of current income that exceeds the average yield on U.S. stocks generally and provide a growing stream of income over the years. To provide growth of capital as a secondary objective

American Funds Insurance
Series (IS)American Funds IS Capital Income Builder^®—Class 1

Capital Research and Management Company

0.27%

^[7]

20.69%

9.36%

American Funds Insurance Series (IS) American Funds IS Capital World Bond Fund®—Class 2 [Member]

7.84%

Provide, over the long term, a high level of total return consistent with prudent investment management. Total return comprises the income generated by the fund and the changes in the market value of the fund's investments.

American Funds Insurance
Series (IS)American Funds IS Capital World Bond Fund^®—Class 2

Capital Research and Management Company

0.73%

9.39%

(2.50%)

American Funds Insurance Series (IS) American Funds IS Capital World Growth and Income Fund®—Class 1 [Member]

1.23%

Long-term growth of capital while providing current income

American Funds Insurance
Series (IS)American Funds IS Capital World Growth and Income Fund^®—Class 1

Capital Research and Management Company

0.41%

^[7]

25.16%

10.56%

American Funds Insurance Series (IS) American Funds IS Growth Fund—Class 2 [Member]

11.30%

Growth of capital

American Funds Insurance
Series (IS)American Funds IS Growth
Fund—Class 2

Capital Research and Management Company

0.58%

20.24%

13.37%

American Funds Insurance Series (IS) American Funds IS Growth-Income Fund—Class 2 [Member]

17.97%

Long-term growth of capital and income

American Funds Insurance
Series (IS)American Funds IS Growth-Income Fund—Class 2

Capital Research and Management Company

0.53%

18.06%

13.90%

American Funds Insurance Series (IS) American Funds IS Managed Risk Growth Fund—Class P1 [Member]

13.92%

Growth of capital while seeking to manage volatility and provide downside protection

^[8]

American Funds Insurance
Series (IS)American Funds IS Managed Risk Growth Fund—Class P1

^[8]

Capital Research and Management Company

^[8]

Milliman Financial Risk Management LLC

^[8]

0.68%

^[8]

13.63%

^[8]

8.22%

^[8]

American Funds Insurance Series (IS) American Funds IS Managed Risk Growth-Income Fund—Class P1 [Member]

12.03%

^[8]

Long-term growth of capital and income while seeking to manage volatility and provide downside protection

^[8]

American Funds Insurance
Series (IS)American Funds IS Managed Risk Growth-Income Fund—Class P1

^[8]

Capital Research and Management Company

^[8]

Milliman Financial Risk Management LLC

^[8]

0.63%

^[8]

11.45%

^[8]

7.97%

^[8]

American Funds Insurance Series (IS) American Funds IS New World Fund®—Class 1 [Member]

9.26%

^[8]

Long-term capital appreciation

American Funds Insurance
Series (IS)American Funds IS New World Fund^®—Class 1

Capital Research and Management Company

0.57%

^[7]

28.60%

5.59%

American Funds Insurance Series (IS)American Funds IS SMALLCAP World Fund®—Class 1 [Member]

9.53%

Long-term growth of capital

American Funds Insurance
Series (IS)American Funds IS SMALLCAP World Fund^®—Class 1 (formerly Global Small Capitalization Fund)

Capital Research and Management Company

0.65%

^[7]

14.89%

0.73%

American Funds Insurance Series (IS) American Funds IS The Bond Fund of America®—Class 1 [Member]

7.50%

Provide as high a level of current income as is consistent with the preservation of capital

American Funds Insurance
Series (IS)American Funds IS The Bond Fund of America^®—Class 1

Capital Research and Management Company

0.22%

^[7]

7.40%

0.10%

BNY Mellon BNY Mellon Sustainable U.S. Equity Portfolio, Inc.—Service Share Class [Member]

2.61%

Long-term capital appreciation

BNY Mellon
BNY Mellon Sustainable U.S. Equity Portfolio, Inc.—Service Share Class

BNY Mellon Investment Advisor, Inc.

Newton Investment Management Limited

0.91%

15.67%

11.65%

BNY Mellon BNY Mellon Variable Investment Fund: Appreciation Portfolio—Initial Share Class [Member]

13.27%

Long-term capital growth consistent with preservation of capital with current income as a secondary goal

BNY Mellon
BNY Mellon Variable Investment Fund: Appreciation Portfolio—Initial Share Class

BNY Mellon Investment Advisor, Inc.

Fayez Sarofim & Co.

0.85%

10.07%

9.37%

BNY Mellon BNY Mellon Variable Investment Fund: Growth and Income Portfolio—Initial Share Class [Member]

12.92%

Long-term capital growth, current income and growth of income consistent with reasonable investment risk

BNY Mellon
BNY Mellon Variable Investment Fund: Growth and Income Portfolio—Initial Share Class

BNY Mellon Investment Advisor, Inc.

Newton Investment Management North America, LLC

0.70%

^[7]

16.83%

14.22%

BNY Mellon BNY Mellon Variable Investment Fund: Small Cap Portfolio—Initial Share Class [Member]

14.66%

Capital growth

BNY Mellon
BNY Mellon Variable Investment Fund: Small Cap Portfolio—Initial Share Class (formerly Opportunistic Small Cap Portfolio)

BNY Mellon Investment Advisor, Inc.

Newton Investment Management North America, LLC

0.83%

10.99%

4.26%

Calvert Variable Trust, Inc.CVT NASDAQ 100 Index Portfolio—Class 1 [Member]

7.83%

Investment results that correspond to investment performance of U.S. common stocks, as represented by NASDAQ 100^® Index

Calvert Variable Trust, Inc.
CVT NASDAQ 100 Index Portfolio—Class I

Calvert Research and Management

Ameritas Investment Partners, Inc.

0.49%

^[7]

20.39%

14.73%

Calvert Variable Trust, Inc. CVT Russell 2000 Small Cap Index Portfolio—Class 1 [Member]

19.09%

Investment results that correspond to investment performance of U.S. common stocks, as represented by Russell 2000^® Index

Calvert Variable Trust, Inc.
CVT Russell 2000 Small Cap Index Portfolio—Class I

Calvert Research and Management

Ameritas Investment Partners, Inc.

0.40%

^[7]

12.45%

5.83%

Calvert Variable Trust, Inc. CVT S&P MidCap 400 Index Portfolio—Class 1 [Member]

9.32%

Investment results that correspond to total return performance of U.S. common stocks, as represented by S&P MidCap 400^® Index

Calvert Variable Trust, Inc.
CVT S&P MidCap 400 Index Portfolio—Class I

Calvert Research and Management

Ameritas Investment Partners, Inc.

0.33%

^[7]

7.14%

8.77%

Federated Hermes Insurance Series Fund Federated Hermes Government Money Fund II—Service Share Class [Member]

10.37%

Current income consistent with stability of principal and liquidity

^[9]

Federated Hermes Insurance
Series FundFederated Hermes Government Money Fund II—Service
Share Class

^[9]

Federated Investment Management Company

^[9]

Federated Advisory Services Company (FASC)

^[9]

0.63%

^[7],[9]

3.73%

^[9]

2.80%

^[9]

Federated Hermes Insurance Series Fund Federated Hermes Managed Volatility Fund II—Primary Shares [Member]

1.73%

^[9]

High current income and moderate capital appreciation

^[8]

Federated Hermes Insurance
Series FundFederated Hermes Managed Volatility Fund II—Primary Shares

^[8]

Federated Advisory Services Company (FASC), an affiliate of the Co-Advisers, Federated Investment Management Company (FIMCO) and Federated Equity Management Company of Pennsylvania (FEMCOPA)

^[8]

0.97%

^[7],[8]

6.93%

^[8]

6.54%

^[8]

Federated Hermes Insurance Series Fund Federated Hermes Quality Bond Fund II—Primary Shares [Member]

6.84%

^[8]

Current income

Federated Hermes Insurance
Series FundFederated Hermes Quality Bond Fund II—Primary Shares

Federated Investment Management Company

Federated Advisory Services Company (FASC)

0.74%

^[7]

7.08%

1.10%

Fidelity® VIP Freedom 2015 PortfolioSM—Initial Class [Member]

2.99%

High total return with a secondary objective of principal preservation as each portfolio approaches its target date and beyond

Fidelity^® VIP Freedom 2015
Portfolio^SM—Initial Class

Fidelity^® Management &
Research Company LLC (FMR)

0.41%

11.87%

3.99%

Fidelity® VIP Freedom 2020 PortfolioSM—Initial Class [Member]

6.60%

High total return with a secondary objective of principal preservation as each portfolio approaches its target date and beyond

Fidelity^® VIP Freedom 2020
Portfolio^SM—Initial Class

Fidelity^® Management &
Research Company LLC (FMR)

0.44%

13.33%

4.84%

Fidelity® VIP Freedom 2025 PortfolioSM—Initial Class [Member]

7.38%

High total return with a secondary objective of principal preservation as each portfolio approaches its target date and beyond

Fidelity^® VIP Freedom 2025
Portfolio^SM—Initial Class

Fidelity^® Management &
Research Company LLC (FMR)

0.46%

14.59%

5.52%

Fidelity® VIP Freedom 2030 PortfolioSM—Initial Class [Member]

8.02%

High total return with a secondary objective of principal preservation as each portfolio approaches its target date and beyond

Fidelity^® VIP Freedom 2030
Portfolio^SM—Initial Class

Fidelity^® Management &
Research Company LLC (FMR)

0.49%

15.52%

6.25%

Fidelity® VIP Freedom 2035 PortfolioSM—Initial Class [Member]

8.88%

High total return with a secondary objective of principal preservation as each portfolio approaches its target date and beyond

Fidelity^® VIP Freedom 2035
Portfolio^SM—Initial Class

Fidelity^® Management &
Research Company LLC (FMR)

0.53%

16.69%

7.55%

Fidelity® VIP Freedom 2040 PortfolioSM—Initial Class [Member]

10.00%

High total return with a secondary objective of principal preservation as each portfolio approaches its target date and beyond

Fidelity^® VIP Freedom 2040
Portfolio^SM—Initial Class

Fidelity^® Management &
Research Company LLC (FMR)

0.57%

18.79%

9.01%

Fidelity® VIP Freedom 2045 PortfolioSM—Initial Class [Member]

10.87%

High total return with a secondary objective of principal preservation as each portfolio approaches its target date and beyond

Fidelity^® VIP Freedom 2045
Portfolio^SM—Initial Class

Fidelity^® Management &
Research Company LLC (FMR)

0.60%

19.83%

9.44%

Fidelity® VIP Freedom 2050 PortfolioSM—Initial Class [Member]

11.09%

High total return with a secondary objective of principal preservation as each portfolio approaches its target date and beyond

Fidelity^® VIP Freedom 2050
Portfolio^SM—Initial Class

Fidelity^® Management &
Research Company LLC (FMR)

0.60%

19.79%

9.43%

Fidelity® VIP Freedom 2055 PortfolioSM—Initial Class [Member]

11.08%

High total return with a secondary objective of principal preservation as each portfolio approaches its target date and beyond

Fidelity^® VIP Freedom 2055
Portfolio^SM—Initial Class

Fidelity^® Management &
Research Company LLC (FMR)

0.60%

19.85%

Fidelity® VIP Freedom 2060 PortfolioSM—Initial Class [Member]

9.43%

High total return with a secondary objective of principal preservation as each portfolio approaches its target date and beyond

Fidelity^® VIP Freedom 2060
Portfolio^SM—Initial Class

Fidelity^® Management &
Research Company LLC (FMR)

0.60%

19.83%

Fidelity® VIP Freedom 2065 PortfolioSM—Initial Class [Member]

9.44%

High total return with a secondary objective of principal preservation as each portfolio approaches its target date and beyond

Fidelity^® VIP Freedom 2065
Portfolio^SM—Initial Class

Fidelity^® Management &
Research Company LLC (FMR)

0.60%

19.86%

Fidelity® Variable Insurance Products Funds Fidelity® VIP Balanced Portfolio—Service Class 2 [Member]

9.43%

Income and capital growth consistent with reasonable risk

Fidelity^® Variable Insurance
Products FundsFidelity^® VIP Balanced Portfolio—Service Class 2

Fidelity^® Management & Research Company LLC (FMR)

FMR Investment Management (UK) Limited (FMR UK), Fidelity^® Management & Research (Hong Kong) Limited (FMR H.K.), and Fidelity^® Management & Research (Japan) Limited (FMR Japan)

0.66%

14.96%

9.24%

Fidelity® Variable Insurance Products Funds Fidelity® VIP ContrafundSM Portfolio—Initial Class [Member]

10.84%

Long-term capital appreciation

Fidelity^® Variable Insurance
Products FundsFidelity^® VIP Contrafund^SM Portfolio—Initial Class

Fidelity^® Management & Research Company LLC (FMR)

FMR Investment Management (UK) Limited (FMR UK), Fidelity^® Management & Research (Hong Kong) Limited (FMR H.K.), and Fidelity^® Management & Research (Japan) Limited (FMR Japan)

0.54%

21.52%

15.37%

Fidelity® Variable Insurance Products Funds Fidelity® VIP Energy Portfolio—Service Class 2 [Member]

15.78%

Capital appreciation

Fidelity^® Variable Insurance
Products FundsFidelity^® VIP Energy Portfolio—Service Class 2

Fidelity^® Management & Research Company LLC (FMR)

FMR Investment Management (UK) Limited (FMR UK), Fidelity^® Management & Research (Hong Kong) Limited (FMR H.K.), and Fidelity^® Management & Research (Japan) Limited (FMR Japan)

0.85%

10.34%

23.86%

Fidelity® Variable Insurance Products Funds Fidelity® VIP Growth & Income Portfolio—Initial Class [Member]

7.69%

High total return through a combination of current income and capital appreciation

Fidelity^® Variable Insurance
Products FundsFidelity^® VIP Growth & Income Portfolio—Initial Class

Fidelity^® Management & Research Company LLC (FMR)

FMR Investment Management (UK) Limited (FMR UK), Fidelity^® Management & Research (Hong Kong) Limited (FMR H.K.), and Fidelity^® Management & Research (Japan) Limited (FMR Japan)

0.47%

21.50%

16.11%

Fidelity® Variable Insurance Products Funds Fidelity® VIP Growth Portfolio—Initial Class [Member]

13.84%

Capital appreciation

Fidelity^® Variable Insurance
Products FundsFidelity^® VIP Growth Portfolio—Initial Class

Fidelity^® Management & Research Company LLC (FMR)

FMR Investment Management (UK) Limited (FMR UK), Fidelity^® Management & Research (Hong Kong) Limited (FMR H.K.), and Fidelity^® Management & Research (Japan) Limited (FMR Japan)

0.55%

14.92%

13.70%

Fidelity® Variable Insurance Products Funds Fidelity® VIP High Income Portfolio—Service Class 2 [Member]

17.45%

High level of current income, while also considering growth of capital

Fidelity^® Variable Insurance
Products FundsFidelity^® VIP High Income Portfolio—Service Class 2

Fidelity^® Management & Research Company LLC (FMR)

FMR Investment Management (UK) Limited (FMR UK), Fidelity^® Management & Research (Hong Kong) Limited (FMR H.K.), and Fidelity^® Management & Research (Japan) Limited (FMR Japan)

1.06%

^[7]

10.31%

4.00%

Fidelity® Variable Insurance Products Funds Fidelity® VIP Index 500 Portfolio— Initial Class [Member]

5.34%

Investment results that correspond to the total return of common stocks publicly traded in the United States, as represented by the S&P 500^® Index

Fidelity^® Variable Insurance
Products FundsFidelity^® VIP Index 500 Portfolio— Initial Class

Fidelity^® Management & Research Company LLC (FMR)

Geode Capital Management, LLC (Geode)

0.09%

17.78%

14.31%

Fidelity® Variable Insurance Products Funds Fidelity® VIP Mid Cap Portfolio—Service Class 2 [Member]

14.70%

Long-term growth of capital

Fidelity^® Variable Insurance
Products FundsFidelity^® VIP Mid Cap Portfolio—Service Class 2

Fidelity^® Management & Research Company LLC (FMR)

FMR Investment Management (UK) Limited (FMR UK), Fidelity^® Management & Research (Hong Kong) Limited (FMR H.K.), and Fidelity^® Management & Research (Japan) Limited (FMR Japan)

0.80%

11.49%

9.83%

Fidelity® Variable Insurance Products Funds Fidelity® VIP Overseas Portfolio—Initial Class [Member]

10.31%

Long-term growth of capital

Fidelity^® Variable Insurance
Products FundsFidelity^® VIP Overseas Portfolio—Initial Class

Fidelity^® Management & Research Company LLC (FMR)

FMR Investment Management (UK) Limited (FMR UK), Fidelity^® Management & Research (Hong Kong) Limited (FMR H.K.), Fidelity^® Management & Research (Japan) Limited (FMR Japan), FIL Investment Advisors (FIA), and FIL Investment Advisors (UK) Limited (FIA (UK))

0.72%

20.39%

6.62%

Fidelity® Variable Insurance Products Funds Fidelity® VIP Real Estate Portfolio—Initial Class [Member]

7.93%

Above-average income and long-term capital growth, consistent with reasonable investment risk. The fund seeks to provide a yield that exceeds the composite yield of the S&P 500^® Index.

Fidelity^® Variable Insurance
Products FundsFidelity^® VIP Real Estate Portfolio—Initial Class

Fidelity^® Management & Research Company LLC (FMR)

FMR Investment Management (UK) Limited (FMR UK), Fidelity^® Management & Research (Hong Kong) Limited (FMR H.K.), and Fidelity^® Management & Research (Japan) Limited (FMR Japan)

0.60%

3.10%

4.23%

Fidelity® Variable Insurance Products Funds Fidelity® VIP Strategic Income Portfolio—Service Class 2 [Member]

3.87%

High level of current income and may also seek capital appreciation

Fidelity^® Variable Insurance
Products FundsFidelity^® VIP Strategic Income Portfolio—Service Class 2

Fidelity^® Management & Research Company LLC (FMR)

0.88%

8.58%

2.79%

Fidelity® Variable Insurance Products Funds Fidelity® VIP Technology Portfolio—Initial Class [Member]

4.40%

Capital appreciation

Fidelity^® Variable Insurance
Products FundsFidelity^® VIP Technology Portfolio—Initial Class

Fidelity^® Management & Research Company LLC (FMR)

FMR Investment Management (UK) Limited (FMR UK), Fidelity^® Management & Research (Hong Kong) Limited (FMR H.K.), and Fidelity^® Management & Research (Japan) Limited (FMR Japan)

0.56%

23.36%

16.83%

Franklin Templeton Variable Insurance Products Trust Franklin DynaTech VIP Fund—Class 2 [Member]

23.76%

Capital appreciation

Franklin Templeton Variable
Insurance Products TrustFranklin DynaTech VIP Fund—Class 2

Franklin Advisers, Inc.

0.88%

18.13%

9.09%

Franklin Templeton Variable Insurance Products Trust Franklin Income VIP Fund—Class 2 [Member]

14.08%

Maximize income while maintaining prospects for capital appreciation

Franklin Templeton Variable
Insurance Products TrustFranklin Income VIP Fund—Class 2

Franklin Advisers, Inc.

0.72%

12.56%

7.66%

Franklin Templeton Variable Insurance Products Trust Franklin Rising Dividends VIP Fund—Class 1 [Member]

7.30%

Long-term capital appreciation with preservation of capital as an important consideration

Franklin Templeton Variable
Insurance Products TrustFranklin Rising Dividends VIP Fund—Class 1

Franklin Advisers, Inc.

0.64%

12.05%

9.77%

Franklin Templeton Variable Insurance Products Trust Franklin Small Cap Value VIP Fund—Class 2 [Member]

12.37%

Long-term total return

Franklin Templeton Variable
Insurance Products TrustFranklin Small Cap Value VIP Fund—Class 2

Franklin Mutual Advisers, LLC

0.91%

^[7]

7.65%

8.86%

Franklin Templeton Variable Insurance Products Trust Franklin Small-Mid Cap Growth VIP Fund—Class 1 [Member]

9.81%

Long-term capital growth

Franklin Templeton Variable
Insurance Products TrustFranklin Small-Mid Cap Growth VIP Fund—Class 1

Franklin Advisers, Inc.

0.84%

2.70%

1.27%

Franklin Templeton Variable Insurance Products Trust Franklin Strategic Income VIP Fund—Class 2 [Member]

10.16%

High level of current income with capital appreciation over the long term as a secondary goal

Franklin Templeton Variable
Insurance Products TrustFranklin Strategic Income VIP Fund—Class 2

Franklin Advisers, Inc.

1.07%

^[7]

7.24%

1.92%

Lincoln Variable Insurance Products Trust LVIP American Century Capital Appreciation Fund—Standard Class II [Member]

3.10%

Capital growth

Lincoln Variable Insurance Products Trust
LVIP American Century Capital Appreciation Fund—Standard Class II

Lincoln Financial Investments Corporation

American Century Investment Management, Inc.

0.79%

^[7]

6.72%

5.16%

Lincoln Variable Insurance Products Trust LVIP American Century Mid Cap Value Fund—Standard Class II [Member]

11.47%

Long-term capital growth with income as a secondary objective

Lincoln Variable Insurance Products Trust
LVIP American Century Mid Cap Value Fund—Standard Class II

Lincoln Financial Investments Corporation

American Century Investment Management, Inc.

0.86%

^[7]

8.99%

8.89%

Lincoln Variable Insurance Products Trust LVIP American Century Ultra® Fund—Standard Class II [Member]

9.12%

Long-term capital growth

Lincoln Variable Insurance Products Trust
LVIP American Century Ultra^® Fund—Standard Class II

Lincoln Financial Investments Corporation

American Century Investment Management, Inc.

0.75%

^[7]

12.84%

11.68%

Lincoln Variable Insurance Products Trust LVIP JPMorgan Mid Cap Value Fund—Standard Class [Member]

17.16%

Capital appreciation with secondary goal of achieving current income by investing primarily in equity securities

Lincoln Variable Insurance
Products TrustLVIP JPMorgan Mid Cap Value Fund—Standard Class

Lincoln Financial Investments Corporation

J.P. Morgan Investment Management, Inc.

0.74%

4.72%

9.63%

Lincoln Variable Insurance Products Trust LVIP JPMorgan Small Cap Core Fund—Standard Class [Member]

8.77%

Capital growth over the long term

Lincoln Variable Insurance
Products TrustLVIP JPMorgan Small Cap Core Fund—Standard Class

Lincoln Financial Investments Corporation

J.P. Morgan Investment Management, Inc.

0.77%

10.27%

6.40%

T. Rowe Price Equity Series, Inc. All-Cap Opportunities Portfolio [Member]

8.95%

Long-term capital growth by investing primarily in the common stocks of growth companies

T. Rowe Price Equity Series, Inc.
All-Cap Opportunities Portfolio

T. Rowe Price Associates, Inc.

0.80%

^[7]

16.30%

12.22%

T. Rowe Price Equity Series, Inc. Equity Income Portfolio [Member]

16.93%

High level of dividend income and long-term capital growth primarily through investments in stocks

T. Rowe Price Equity Series, Inc.
Equity Income Portfolio

T. Rowe Price Associates, Inc.

0.74%

14.36%

11.17%

T. Rowe Price Equity Series, Inc. Health Sciences Portfolio [Member]

10.51%

Long-term capital appreciation

T. Rowe Price Equity Series, Inc.
Health Sciences Portfolio

T. Rowe Price Associates, Inc.

0.86%

18.10%

4.12%

T. Rowe Price Equity Series, Inc. Mid-Cap Growth Portfolio [Member]

8.97%

Long-term capital appreciation by investing in mid-cap stocks with potential for above-average earnings growth

T. Rowe Price Equity Series, Inc.
Mid-Cap Growth Portfolio

T. Rowe Price Associates, Inc.

T. Rowe Price Investment Management, Inc.

0.84%

^[7]

3.55%

3.84%

T. Rowe Price Equity Series, Inc. Moderate Allocation Portfolio [Member]

9.81%

Highest total return over time consistent with an emphasis on both capital appreciation and income

T. Rowe Price Equity Series, Inc.
Moderate Allocation Portfolio

T. Rowe Price Associates, Inc.

T. Rowe Price Hong Kong Limited, T. Rowe Price Investment Management, Inc. and T. Rowe Price International Ltd.

0.85%

^[7]

14.50%

5.50%

T. Rowe Price International Series, Inc. International Stock Portfolio [Member]

7.84%

Long-term growth of capital through investments primarily in the common stocks of established, non-U.S. companies

T. Rowe Price International
Series, Inc.International Stock Portfolio

T. Rowe Price Associates, Inc.

T. Rowe Price International Ltd. (Price International)

0.95%

^[7]

18.41%

3.92%

7.10%

Additional Tax [Member]

Other Transaction Fee (of Other Amount), Maximum [Percent]

10.00%

Automatic Rebalancing Program [Member]

Automatic Rebalancing Program

Automatically transfers amounts to maintain a particular percentage allocation among the Subaccounts and Declared Interest Option

$ 0

Certificates Issued Before June 1, 2025 [Member]

Automatic Rebalancing Program

Surrender Example [Table Text Block]

1. If you surrender your Certificate or you annuitize at the end of the applicable time period and elect fixed settlement option 1:

1 Year				3 Years				5 Years				10 Years
	$8,976			$	12,592			$	16,292			$	28,207

1. If you surrender your Certificate or you annuitize at the end of the applicable time period and elect fixed settlement option 1:

1 Year				3 Years				5 Years				10 Years
	$8,011			$	9,619			$	11,200			$	17,488

Surrender Expense, 1 Year, Maximum [Dollars]

$ 8,976

Surrender Expense, 1 Year, Minimum [Dollars]

8,011

Surrender Expense, 3 Years, Maximum [Dollars]

12,592

Surrender Expense, 3 Years, Minimum [Dollars]

9,619

Surrender Expense, 5 Years, Maximum [Dollars]

16,292

Surrender Expense, 5 Years, Minimum [Dollars]

11,200

Surrender Expense, 10 Years, Maximum [Dollars]

28,207

Surrender Expense, 10 Years, Minimum [Dollars]

$ 17,488

Annuitize Example [Table Text Block]

2. If you annuitize at the end of the applicable time period and elect fixed settlement option 2 or 4 with a one-year annuity payment period⁽²⁾:

1 Year				3 Years				5 Years				10 Years
	$8,054			$	11,624			$	15,275			$	28,207

2. If you annuitize at the end of the applicable time period and elect fixed settlement option 2 or 4 with a one-year annuity payment period⁽²⁾:

1 Year				3 Years				5 Years				10 Years
	$7,080			$	8,621			$	10,131			$	17,488

Annuitized Expense, 1 Year, Maximum [Dollars]

$ 8,054

^[10]

Annuitized Expense, 1 Year, Minimum [Dollars]

7,080

^[10]

Annuitized Expense, 3 Years, Maximum [Dollars]

11,624

^[10]

Annuitized Expense, 3 Years, Minimum [Dollars]

8,621

^[10]

Annuitized Expense, 5 Years, Maximum [Dollars]

15,275

^[10]

Annuitized Expense, 5 Years, Minimum [Dollars]

10,131

^[10]

Annuitized Expense, 10 Years, Maximum [Dollars]

28,207

^[10]

Annuitized Expense, 10 Years, Minimum [Dollars]

$ 17,488

^[10]

No Surrender Example [Table Text Block]

3. If you do not surrender your Certificate or you annuitize at the end of the applicable time period and elect fixed settlement option 3 or 5, or a variable settlement option:

1 Year				3 Years				5 Years				10 Years
	$2,520			$	7,749			$	13,241			$	28,207

3. If you do not surrender your Certificate or you annuitize at the end of the applicable time period and elect fixed settlement option 3 or 5, or a variable settlement option:

1 Year				3 Years				5 Years				10 Years
	$1,490			$	4,629			$	7,992			$	17,488

No Surrender Expense, 1 Year, Maximum [Dollars]

$ 2,520

No Surrender Expense, 1 Year, Minimum [Dollars]

1,490

No Surrender Expense, 3 Years, Maximum [Dollars]

7,749

No Surrender Expense, 3 Years, Minimum [Dollars]

4,629

No Surrender Expense, 5 Years, Maximum [Dollars]

13,241

No Surrender Expense, 5 Years, Minimum [Dollars]

7,992

No Surrender Expense, 10 Years, Maximum [Dollars]

28,207

No Surrender Expense, 10 Years, Minimum [Dollars]

$ 17,488

Certificates Issued On or After June 1, 2025 [Member]

Surrender Example [Table Text Block]

1. If you surrender or annuitize your Certificate at the end of the applicable time period⁽¹⁾:

1 Year				3 Years				5 Years				10 Years
	$8,976			$	12,592			$	16,292			$	28,207

1. If you surrender or annuitize your Certificate at the end of the applicable time period⁽¹⁾:

1 Year				3 Years				5 Years				10 Years
	$8,011			$	9,619			$	11,200			$	17,488

Surrender Expense, 1 Year, Maximum [Dollars]

$ 8,976

^[11]

Surrender Expense, 1 Year, Minimum [Dollars]

8,011

^[11]

Surrender Expense, 3 Years, Maximum [Dollars]

12,592

^[11]

Surrender Expense, 3 Years, Minimum [Dollars]

9,619

^[11]

Surrender Expense, 5 Years, Maximum [Dollars]

16,292

^[11]

Surrender Expense, 5 Years, Minimum [Dollars]

11,200

^[11]

Surrender Expense, 10 Years, Maximum [Dollars]

28,207

^[11]

Surrender Expense, 10 Years, Minimum [Dollars]

$ 17,488

^[11]

Annuitize Example [Table Text Block]

2. If you do not surrender or annuitize at the end of the applicable time period:

1 Year				3 Years				5 Years				10 Years
	$2,520			$	7,749			$	13,241			$	28,207

2. If you do not surrender or annuitize at the end of the applicable time period:

1 Year				3 Years				5 Years				10 Years
	$1,490			$	4,629			$	7,992			$	17,488

Annuitized Expense, 1 Year, Maximum [Dollars]

$ 2,520

Annuitized Expense, 1 Year, Minimum [Dollars]

1,490

Annuitized Expense, 3 Years, Maximum [Dollars]

7,749

Annuitized Expense, 3 Years, Minimum [Dollars]

4,629

Annuitized Expense, 5 Years, Maximum [Dollars]

13,241

Annuitized Expense, 5 Years, Minimum [Dollars]

7,992

Annuitized Expense, 10 Years, Maximum [Dollars]

28,207

Annuitized Expense, 10 Years, Minimum [Dollars]

$ 17,488

No Surrender Example [Table Text Block]

2. If you do not surrender or annuitize at the end of the applicable time period:

1 Year				3 Years				5 Years				10 Years
	$2,520			$	7,749			$	13,241			$	28,207

2. If you do not surrender or annuitize at the end of the applicable time period:

1 Year				3 Years				5 Years				10 Years
	$1,490			$	4,629			$	7,992			$	17,488

No Surrender Expense, 1 Year, Maximum [Dollars]

$ 2,520

No Surrender Expense, 1 Year, Minimum [Dollars]

1,490

No Surrender Expense, 3 Years, Maximum [Dollars]

7,749

No Surrender Expense, 3 Years, Minimum [Dollars]

4,629

No Surrender Expense, 5 Years, Maximum [Dollars]

13,241

No Surrender Expense, 5 Years, Minimum [Dollars]

7,992

No Surrender Expense, 10 Years, Maximum [Dollars]

28,207

No Surrender Expense, 10 Years, Minimum [Dollars]

$ 17,488

Death Benefit [Member]

Death Benefit

Before the Retirement Date, upon the Annuitant's death, we will pay a death benefit to the Beneficiary in one sum within five years of the deceased Annuitant's death.

$ 0

Dollar Cost Averaging Program [Member]

Death Benefit

Dollar Cost Averaging Program

Systematically transfers a set amount each month from the source account or the Declared Interest Option to other available Investment Options over a period of time

$ 0

Incremental Death Benefit Rider [Member]

Dollar Cost Averaging Program

Incremental Death Benefit Rider

Provides a death benefit that is in addition to the death benefit available under the Certificate

$ 0

Interest Sweep Program [Member]

Incremental Death Benefit Rider

Interest Sweep Program

Automatically transfers interest earnings from the Declared Interest Option to one or more Subaccounts on your Certificate Anniversary

$ 0

Interest Sweep Program

Redemption Fee [Member]

Other Annual Expense (of Other Amount), Maximum [Percent]

2.00%

Systematic Withdrawal Program [Member]

Systematic Withdrawal Program

Automatically withdraws a specific amount of Accumulated Value from selected Subaccounts or the Declared Interest Option

$ 0

Systematic Withdrawal Program

Transfer Fee [Member]

Other Transaction Fee, Maximum [Dollars]

$ 25

^[12]

Other Transaction Fee, Current [Dollars]

$ 25

^[12]

Risk of Loss [Member]

Not Short Term Investment Risk [Member]

Is There a Risk of Loss from Poor Performance?

Yes. You can lose money by investing in this Certificate, including loss of principal.

Principal Risks of Investing in the Certificate

Is this a Short-Term Investment?

Principal Risks of Investing in the Certificate

Investment Options Risk [Member]

What Are the Risks Associated with the Investment Options?

Insurance Company Risk [Member]

Business Disruption and Cyber Security Risk [Member]

What Are the Risks Related to the Insurance Company?

Principal Risks of Investing in the Certificate

Certificate Changes Risk [Member]

Society Risk [Member]

Tax Consequences [Member]