Item 10. Standard Death Benefits (N-6) [Table Text Block]

PRINCIPAL RISKS OF INVESTING IN THE POLICY

Risk of Loss

You can lose money by investing in a Policy, including loss of principal. It is possible that investment performance could cause a loss of the entire amount allocated to the Divisions. Without additional premium payments or a death benefit guarantee rider, it is possible that no death benefit would be paid upon the Insured’s death.

Not a Short Term Investment

This Policy is not suitable as a short-term savings vehicle and is not appropriate if you need ready access to cash. Costs of insurance and other Policy expenses may reduce the value of your Policy and its benefits. In addition, the benefits of tax deferral are better for investors with long time horizons. Partial surrenders may significantly reduce the Policy Value, the death benefit, and any optional benefits and will increase the risk of lapse.

Policy Termination (Lapse)

On an ongoing basis, the Policy’s Net Surrender Value must be sufficient to cover the Monthly Policy Charges and any Loan Indebtedness. It is possible that poor investment performance, Monthly Policy Charges, Loan Indebtedness, and/or partial surrenders could cause the Policy to lapse unless additional premiums are paid. Partial surrenders or policy loans may increase the risk of lapse because the amount of either or both is not available to generate investment return or pay for policy charges. It is possible that the Policy could lapse even if your Policy has a rider that is intended to help you manage the risk of lapse. When the Policy lapses, it terminates with no value and no longer provides any life insurance benefit upon the death of the Insured. If your Policy lapses, you can only reinstate it under certain conditions, including making certain payments.

Limitations on Access to Surrender Value

The Policy should not be viewed as a highly-liquid investment. Your ability to withdraw money from the Policy is restricted and partial surrenders may negatively affect your Policy Value, death benefit, and any optional benefit.

Unscheduled Partial Surrenders

Up to two unscheduled partial surrenders may be made in a Policy Year before the transaction fees apply. The minimum amount of a partial surrender is $500. The total of the amount(s) surrendered may not be greater than 90% of the Net Policy Value as of the Effective Date of the unscheduled partial surrender. The unscheduled partial surrender may not decrease the Total Face Amount to less than $100,000.

Scheduled Partial Surrenders

Partial surrenders may be scheduled on a monthly, quarterly, semiannual, or annual basis. Each scheduled partial surrender may not be greater than 90% of the Net Policy Value (as of the date of the scheduled partial surrender).

Full Surrender

The Policy may be surrendered while the Policy is in effect. There is no refund of any Monthly Policy Charges deducted before the full surrender effective date.

Adverse Tax Consequences

A full surrender, cancellation of the Policy by lapse or the maturity of the Policy on its maturity date may have adverse tax consequences. If the amount received by the Owner plus any Loan Indebtedness exceeds the premiums paid into the Policy, then the excess generally will be treated as taxable income.

In certain employer-sponsored life insurance arrangements, participants may be required to report for income tax purposes, one or more of the following:

•the value each year of the life insurance protection provided;

•an amount equal to any employer-paid premiums; or

•some or all of the amount by which the current value exceeds the employer’s interest in the Policy.

You should consult with a tax professional to determine the tax implications of an investment in, and payments received under, the Policy. Participants should consult with the sponsor or the administrator of the plan and/or with their personal tax or legal adviser to determine the tax consequences, if any, of their employer-sponsored life insurance arrangements. There is no additional tax benefit to you if the Policy is purchased through a tax-qualified plan or individual retirement account (IRA), and withdrawals will be subject to ordinary income tax and may be subject to tax penalties.

There are other tax issues to consider when you own a life insurance policy. These are described in more detail in TAX ISSUES RELATED TO THE POLICY.

Risks of Underlying Funds

Amounts that you allocate to the Divisions are subject to the risk of poor investment performance. Each Division invests in an Underlying Fund. The performance of each Division depends on the performance of its Underlying Fund. Each Underlying Fund has its own investment risks, and you are exposed to an Underlying Fund's investment risks when you invest in the correspondence Division. A comprehensive discussion of risks of risks of

each Underlying Fund may be found in the Underlying Fund's prospectus. As with all mutual funds, as the value of Underlying Fund's asset rise or fall, the fund's share price changes.

The Underlying Funds are NOT available to the general public directly but are available only as investment options in variable life insurance policies or variable annuity contracts issued by life insurance companies and qualified plans. Some of the Underlying Funds have been established by investment advisers that manage publicly available mutual funds having similar names and investment objectives. While some of the Underlying Funds may be similar to, and may in fact be modeled after publicly available mutual funds, the Underlying Funds are not otherwise directly related to any publicly available mutual fund. Consequently, the investment performance of publicly available mutual funds and of any Underlying Fund may differ substantially.

Potentially Harmful Transfer Activity

This Policy is not designed as a vehicle for market timing. Accordingly, your ability to make transfers under the Policy is subject to limitation if we determine, in our sole opinion, that the exercise of that privilege may disadvantage or potentially hurt the rights or interests of other Policy owners. We have limitations and restrictions on transfer activity, which we apply to all owners of the Policy without exception.

Insurance Company Risks

An investment in the Policy is subject to the risks related to the Company. Any obligations, guarantees, or benefits are subject to the claims-paying ability of the Company. If the Company is unable to meet its obligations to creditors, it is possible that the Company's obligations to you under this Policy may not be satisfied.

Conflicts of Interest

Investment Professional Compensation

The Company pays compensation to broker-dealers, financial institutions and other parties (“Financial Intermediaries”) for the sale of the Policy according to schedules in the sales agreements and other agreements reached between the Company and the Financial Intermediaries. Such compensation generally consists of commissions on premiums paid on the Policy. The Company and/or its affiliates may also pay other amounts (“Additional Payments”) that include, but are not limited to, marketing allowances, expense reimbursements and education payments. These Additional Payments are designed to provide incentives for the sale and retention of the Policies as well as other products sold by the Company and may influence the Financial Intermediary or sales representative to recommend the purchase of this Policy over competing policies or over other investment options. You may ask your sales representative about these differing and divergent interests and the compensation paid to your representative and such representative's broker-dealer for soliciting applications for the Policy.

Compensation and Underlying Fund Selection

When selecting the Underlying Funds, we consider each such fund’s investment strategy, asset class, manager’s reputation, and performance. We also consider the amount of compensation that we receive from the Underlying Funds, their advisers, sub-advisers, or their distributors, which can be significant. Additionally, we offer certain Underlying Funds at least in part because they are managed by an affiliate.

Compensation We Receive from Underlying Funds

The Company and certain of our affiliates receive compensation from certain Underlying Funds pursuant to Rule 12b-1 under the 1940 Act. This compensation is paid out of an Underlying Fund’s assets and is as much as 0.25% of the average net assets of an Underlying Funds that are attributable to the variable life insurance products issued by us and our affiliates that offer the particular fund (the Company’s variable contracts). An investment in an Underlying Funds with a 12b-1 fee will increase the cost of your investment.

Compensation We Receive from Underlying Fund Advisors

We and certain of our affiliates also receive compensation from the advisers and sub-advisers to some of the Underlying Funds. We use this compensation for such purposes as paying expenses that we incur in promoting, issuing, distributing and administering the Policy and providing services on behalf of the Underlying Funds in our role as intermediary. Some advisers and sub-advisers pay us more than others; some advisers and sub-advisers do not

pay us any such compensation. The advisers' revenues from which such compensation is paid may be derived, in whole or in part, from advisory fees deducted from Underlying Fund assets.

Other Conflicts of Interest

The Underlying Funds are available to registered separate accounts offering variable annuity and variable life products of other affiliated and unaffiliated insurance companies, as well as to the Separate Account and other separate accounts of the Company. Although we do not anticipate any disadvantages to these arrangements, it is possible that a material conflict may arise between the interests of the Separate Account and one or more of the other separate accounts participating in the Underlying Funds. A conflict may occur, for example, as a result of a change in law affecting the operations of variable life and variable annuity separate accounts, differences in the voting instructions of the Owners and payees and those of other insurance companies, or some other reason. In the event of a conflict of interest, we will take steps necessary to protect Owners and payees, including withdrawing the Separate Account from participation in the Underlying Funds involved in the conflict or substituting shares of other funds.

DEATH BENEFITS AND POLICY VALUES

Death Proceeds

We will pay the death proceeds to the beneficiary(ies) subject to the provisions of the policy, after we receive Notice and proof that the Insured died while the Policy was in force and before the Policy Maturity Date. Proof of the Insured's death consists of a certified copy of the death certificate of the Insured. In addition, information reasonably necessary to process the death claim, such as beneficiary information, must also be provided to us.

We pay death proceeds first to the assignee, if any, in a lump sum. We pay the remainder to your named beneficiary(ies) in a lump sum. If no beneficiary(ies) survives the Insured, we will pay the death proceeds to the Owner or the Owner’s estate unless you have given us written Notice otherwise.

Death proceeds, calculated as of the date of death of the Insured, are A minus B minus C where:

•A is the death benefit plus any proceeds from any benefit rider on the Insured's life;

• B is any Loan Indebtedness; and

• C, if the Insured's death occurs during a grace period, is the lesser of any overdue Monthly Policy Charges and, if applicable, the Death Benefit Guarantee Premium Requirement.

Death Benefit Options

The death benefit option is selected at the time of application. If a death benefit option is not chosen, the Policy will be issued with Death Benefit Option 1.

The three death benefit options available are:

• Death Benefit Option 1 – the death benefit equals the greater of:

•the Total Face Amount; or

•the amount found by multiplying the Surrender Value by the applicable percentage*.

• Death Benefit Option 2 – the death benefit equals the greater of:

•the Total Face Amount plus the Policy Value; or

•the amount found by multiplying the Surrender Value by the applicable percentage*.

• Death Benefit Option 3 – the death benefit equals the greater of:

•the Total Face Amount plus the greater of a) premiums paid less partial surrenders and b) zero; or

•the amount found by multiplying the Surrender Value by the applicable percentage*.

* The applicable percentage tables are in Appendix B and are based on our interpretation of Section 7702 of the Internal Revenue Code as set forth below. The table which applies to your Policy is determined by your choice of either the guideline premium/cash value corridor test or the cash value accumulation test.

Example: The following assumptions are made to demonstrate the use of the Tables found in Appendix B:

Death Benefit Option: 1

Total Face Amount: $1,000,000

Surrender Value: $900,000

Definition of Life Insurance Test: Guideline Premium/Cash Value

Corridor Test

Attained Age: 45

Risk Class: Preferred Non-Tobacco

Applicable Percentage: 215%

Death Benefit: $900,000 x 215% = $1,935,000

For Policy Dates before December 15, 2021, if the Definition of Life Insurance Test was the Cash Value Accumulation Test, the applicable percentage would be 378.88% (assuming the Insured is a male) and the death benefit would be $3,409,920.

For Policy Dates on or after December 15, 2021, if the Definition of Life Insurance Test was the Cash Value Accumulation Test, the applicable percentage would be 201.591% (assuming the Insured is a male) and the death benefit would be $1,814,319.

Change in Death Benefit Option

You may change the death benefit option on or after the first policy anniversary. Up to two changes are allowed per Policy Year. Your request must be made in writing and approved by us. The effective date of the change will be the Monthly Date that coincides with, or next follows, our approval. If the death benefit option change involves a face decrease, you may elect to keep the current Total Face Amount.

The option may not be changed from Death Benefit Option 1 to Death Benefit Option 3 or from Death Benefit Option 2 to Death Benefit Option 3. We will increase or decrease the Total Face Amount so that the death benefit immediately after the change equals the death benefit before the change.


Changing from Death Benefit Option 1 to Death Benefit Option 2 We will decrease the Total Face Amount. The amount of the decrease is equal to the Policy Value on the effective date of the change. If there have been previous increases in the Total Face Amount, the decrease of Total Face Amount will be made on a last in, first out basis. Because the death benefit can continue to increase under Death Benefit Option 2, thereby increasing the Company’s risk we may require proof of insurability. In addition, cost of insurance charges will likely increase. This example assumes that the Base Policy Face Amount equals the Total Face Amount.
Total Face Amount	Death Benefit	Policy Value
before the change	before the change	before the change
$1,000,000	$1,000,000	$50,000
after the change	after the change	after the change
$950,000 ($1,000,000 - $50,000)	$1,000,000 ($950,000+$50,000)	$50,000
Changing from Death Benefit Option 2 to Death Benefit Option 1 We will increase the Total Face Amount. The amount of the increase is equal to the Policy Value on the effective date of the change. The Total Face Amount increase will be in the same proportion as the Base Policy Face Amount to the Total Face Amount. Because the death benefit will not continue to increase under Death Benefit Option 1, no proof of insurability is required. Cost of insurance charges will likely decrease. This example assumes that the policy face amount equals the Total Face Amount.
Total Face Amount	Death Benefit	Policy Value
before the change	before the change	before the change
$1,000,000	$1,050,000 ($1,000,000 + $50,000)	$50,000
after the change	after the change	after the change
$1,050,000 ($1,000,000 + $50,000)	$1,050,000	$50,000


Changing from Death Benefit Option 3 to Death Benefit Option 1 We will increase the Total Face Amount if the total premiums paid are greater than total partial surrenders (including any transaction fees) as of the effective date of the change. The increase will be in the same proportion as the Base Policy Face Amount is to the Total Face Amount. Because the death benefit will not continue to increase under Death Benefit Option 1, no proof of insurability is required. Cost of insurance charges will likely decrease. This example assumes total premiums paid are $30,000, total partial surrenders are $10,000 and the Base Policy Face Amount equals the Total Face Amount.
Total Face Amount	Death Benefit	Policy Value
before the change	before the change	before the change
$1,000,000	$1,020,000 ($1,000,000 + ($30,000 - $10,000))	$50,000
after the change	after the change	after the change
$1,020,000 ($1,000,000 + ($30,000 - $10,000))	$1,020,000	$50,000
Changing from Death Benefit Option 3 to Death Benefit Option 2 We will either increase or decrease the Total Face Amount by subtracting the Policy Value from the greater of a) premiums paid less partial surrenders and b) zero. Because the death benefit can continue to increase under Death Benefit Option 2, therefore increasing the Company’s risk, we may require proof of insurability. In addition, cost of insurance charges will likely increase. This example assumes that total premiums paid are $30,000, total partial surrenders are $10,000 and the policy face amount equals the Total Face Amount.
Total Face Amount	Death Benefit	Policy Value
before the change	before the change	before the change
$1,000,000	$1,020,000 ($1,000,000 + ($30,000 - $10,000))	$50,000
after the change	after the change	after the change
$970,000 ($1,000,000 + ($30,000 - $10,000 - $50,000))	$1,020,000 ($970,000 + $50,000)	$50,000

IRS Definition of Life Insurance

The Policy should qualify as a life insurance contract as long as it satisfies either the guideline premium/cash value corridor test or the cash value accumulation test as defined under Section 7702 of the Internal Revenue Code. One of these tests is chosen at issue. If a test is not chosen, the Policy will comply with the guideline premium/cash value corridor test. Once a test is chosen, it cannot be changed on the Policy.

The guideline premium/cash value corridor test places limitations on the amount of premium payments that may be made and on Policy Values that can accumulate relative to the death benefit. Guideline premium limits are determined when the Policy is issued and can vary by the death benefit option chosen. Guideline premium limits will likely change due to any Adjustment to the Policy.

If you make a premium payment that we determine exceeds the current guideline premium limits under Internal Revenue Code Section 7702, we reserve the right to apply or refund the payment as described under “Premium Limitations.”

The cash value accumulation test does not place limitations on the amount of premium payments but limits the amount of Policy Values that can accumulate relative to the death benefit.

To satisfy either test, the ratio of the death benefit to the Policy Value must be at least as great as the applicable percentage shown in Appendix B. As the Policy Value increases, the minimum death benefit may be required to increase. Because the cost of insurance you pay is based in part on the amount of the death benefit, an increase in the death benefit increases the cost of insurance.

As compared to the cash value accumulation test, the guideline premium/cash value corridor test generally has:

• smaller applicable percentages

• lower minimum death benefit

• lower cost of insurance charges

• better Policy Value growth.

The smaller applicable percentages lead to a lower minimum death benefit and thus lower cost of insurance charges. Lower charges result in better Policy Value growth.

This may not be the result in all cases. The specifics of each Policy determine which test is more suitable. Illustrations using each of the tests will help you determine which test meets your objectives. An illustration may be obtained from your registered representative or by calling 1-800-247-9988.

The table below demonstrates the minimum death benefit based on the test chosen.

For Policy Dates before December 15, 2021

The example below is based on the following:

• The Insured is a male with an Attained Age of 45 at the time the Policy was issued. He dies at the beginning of the sixth Policy Year (Attained Age 50)

• Total Face amount is $100,000

• Death Benefit Option 1

• Surrender value at the date of death is $25,000

• The minimum death benefit under the guideline premium/cash value corridor test is $46,250 (assuming an applicable percentage of 185% x Surrender Value)

• The minimum death benefit under the cash value accumulation test is $80,494 (assuming an applicable percentage of 321.976%)


	The death benefit payable is the larger of these two amounts
	Face Amount	Minimum death benefit	Net amount at risk used in calculating the cost of insurance charge
Guideline Premium/Cash Value Corridor Test	$100,000	$46,250	$74,705.44
Cash Value Accumulation Test	$100,000	$80,494	$74,705.44

Here’s the same example, but with a Surrender Value of $75,000. Because the Surrender Value has increased, the minimum death benefit is now:

• $138,750 for the guideline premium/cash value corridor test

• $214,482 for the cash value accumulation test.


	The death benefit payable is the larger of these two amounts
	Face Amount	Minimum death benefit	Net amount at risk used in calculating the cost of insurance charge
Guideline Premium/Cash Value Corridor Test	$100,000	$138,750	$65,521.22
Cash Value Accumulation Test	$100,000	$214,482	$166,083.83

For Policy Dates on or after December 15, 2021

The example below is based on the following:

• The Insured is a male with an Attained Age of 45 at the time the Policy was issued. He dies at the beginning of the sixth Policy Year (Attained Age 50)

• Total Face amount is $100,000

• Death Benefit Option 1

• Surrender value at the date of death is $25,000

• The minimum death benefit under the guideline premium/cash value corridor test is $46,250 (assuming an applicable percentage of 185% x Surrender Value)

• The minimum death benefit under the cash value accumulation test is $46,219 (assuming an applicable percentage of 184.874%)


	The death benefit payable is the larger of these two amounts
	Face Amount	Minimum death benefit	Net amount at risk used in calculating the cost of insurance charge
Guideline Premium/Cash Value Corridor Test	$100,000	$46,250	$74,917.11
Cash Value Accumulation Test	$100,000	$46,219	$74,917.11

Here’s the same example, but with a Surrender Value of $75,000. Because the Surrender Value has increased, the minimum death benefit is now:

• $138,750 for the guideline premium/cash value corridor test

• $138,656 for the cash value accumulation test.


	The death benefit payable is the larger of these two amounts
	Face Amount	Minimum death benefit	Net amount at risk used in calculating the cost of insurance charge
Guideline Premium/Cash Value Corridor Test	$100,000	$138,750	$63,635.00
Cash Value Accumulation Test	$100,000	$138,656	$63,540.58

Keep in mind that cost of insurance charges, which affect your Policy’s value, increase with the amount of the death benefit, as well as over time. The cost of insurance is charged at a rate per $1,000 of Net Amount at Risk. As the Net Amount at Risk increases, the cost of insurance increases. Policy value also varies depending on the performance of the investment options in your Policy.

All transactions will be subject to the limits as defined under Section 7702 of the Internal Revenue Code. A transaction may not be allowed, or an increase in Total Face Amount may be required, if the transaction would cause a refund of premium and/or distribution of the Policy Value in order to maintain compliance with the Section 7702 limits.

Maturity Proceeds

If your Policy is in force and the Insured is living on the Policy Maturity Date shown on the Data Pages, you may elect to be paid the maturity proceeds, which are equal to the Net Surrender Value.

Adjustment Options

Increase in Total Face Amount

You may request an increase in the Total Face Amount provided that the Policy is not in a grace period and Monthly Policy Charges are not being waived under a rider. The minimum increase in Total Face Amount is $10,000.

The request must be made on an Adjustment application. The application must be signed by the Owner(s) and the Insured. If your request is not approved, no changes are made to your Policy.

We will approve your request if:

•the Attained Age of the Insured does not exceed the maximum age limit that applies to the Policy on a new issue basis; and

•the amount of the face amount increase is at least the minimum face amount Increase shown on the Data Pages; and

•you supply evidence which satisfies us that the Insured is alive and insurable under our underwriting guidelines then in effect; and

•the death proceeds less the Policy Value does not exceed our maximum limits as defined under our underwriting guidelines then in effect; and

•your policy is not in a grace period; and

•the face amount after Adjustment is not less than the minimum face amount shown on the Data Pages; and

•your Monthly Policy Charges or premiums are not being waived under any rider.

The increase in Total Face Amount is in a risk classification determined by us. The Adjustment is effective on the Monthly Date on or next following our approval of your request.

If you want insurance coverage to start at the time the Adjustment application is submitted, an “adjustment premium” payment must be sent with the completed application. The amount of the adjustment premium is based on the face amount of the Policy, the death benefit option and the charges and expenses of the Policy. This amount is shown on the policy illustration provided to you by your registered representative. If this amount is submitted with the application, an adjustment premium conditional receipt will be given to you. The receipt acknowledges the adjustment premium payment and details any interim conditional insurance coverage.

Any adjustment premium payment made in connection with the Adjustment application is held in our General Account without interest (for a period of up to a 60 days) while we complete underwriting for the Adjustment. If we approve the Adjustment, on the effective date of the Adjustment, the amount of the adjustment premium payment being held minus the Premium Expense Charge is moved to the Divisions and/or Fixed Account according to your then current premium allocation percentages.

The cost of insurance charge will increase in the event of an increase in a Policy’s Total Face Amount. If there is insufficient value to pay the higher charges after an increase in Total Face Amount, the Policy will lapse, unless the protections of the death benefit guarantee rider are in effect. The entire Policy would be at risk of lapsing, not just the incremental increase in Total Face Amount.

Decrease in Total Face Amount

On or after the first policy anniversary, you may request a decrease in the Total Face Amount. No transaction fee is imposed on decreases in the Total Face Amount. A request for a decrease requires the following:

• the request must be made on an Adjustment application;

• the application must be signed by the Owner(s);

• the decrease is at least the minimum amount as determined by our underwriting guidelines in place at the time of your request;

• the decrease may not reduce the Total Face Amount below $100,000; and

• if there have been previous increases in the Total Face Amount, the decrease of Total Face Amount will be made on a last in, first out basis.

A decrease may not be allowed if the decrease would cause a refund of premium and/or the distribution of the Policy Value in order to maintain compliance with the limits required by the Internal Revenue Code relating to the definition of life insurance.

Policy Values

Your Policy Value is equal to the sum of the values in the Divisions, the Fixed Account, and Loan Account. The Policy Value:

• increases as premiums are applied and interest is credited;

• decreases as policy loans, partial surrenders, and policy expenses are deducted; and

• can increase or decrease as the investment experience of your chosen Divisions fluctuates.

Standard Death Benefit [Text Block]

Death Proceeds

Death proceeds, calculated as of the date of death of the Insured, are A minus B minus C where:

•A is the death benefit plus any proceeds from any benefit rider on the Insured's life;

• B is any Loan Indebtedness; and

• C, if the Insured's death occurs during a grace period, is the lesser of any overdue Monthly Policy Charges and, if applicable, the Death Benefit Guarantee Premium Requirement.

Death Benefit Options

The death benefit option is selected at the time of application. If a death benefit option is not chosen, the Policy will be issued with Death Benefit Option 1.

The three death benefit options available are:

• Death Benefit Option 1 – the death benefit equals the greater of:

•the Total Face Amount; or

•the amount found by multiplying the Surrender Value by the applicable percentage*.

• Death Benefit Option 2 – the death benefit equals the greater of:

•the Total Face Amount plus the Policy Value; or

•the amount found by multiplying the Surrender Value by the applicable percentage*.

• Death Benefit Option 3 – the death benefit equals the greater of:

•the Total Face Amount plus the greater of a) premiums paid less partial surrenders and b) zero; or

•the amount found by multiplying the Surrender Value by the applicable percentage*.

Example: The following assumptions are made to demonstrate the use of the Tables found in Appendix B:

Death Benefit Option: 1

Total Face Amount: $1,000,000

Surrender Value: $900,000

Definition of Life Insurance Test: Guideline Premium/Cash Value

Corridor Test

Attained Age: 45

Risk Class: Preferred Non-Tobacco

Applicable Percentage: 215%

Death Benefit: $900,000 x 215% = $1,935,000

Change in Death Benefit Option


Changing from Death Benefit Option 1 to Death Benefit Option 2 We will decrease the Total Face Amount. The amount of the decrease is equal to the Policy Value on the effective date of the change. If there have been previous increases in the Total Face Amount, the decrease of Total Face Amount will be made on a last in, first out basis. Because the death benefit can continue to increase under Death Benefit Option 2, thereby increasing the Company’s risk we may require proof of insurability. In addition, cost of insurance charges will likely increase. This example assumes that the Base Policy Face Amount equals the Total Face Amount.
Total Face Amount	Death Benefit	Policy Value
before the change	before the change	before the change
$1,000,000	$1,000,000	$50,000
after the change	after the change	after the change
$950,000 ($1,000,000 - $50,000)	$1,000,000 ($950,000+$50,000)	$50,000
Changing from Death Benefit Option 2 to Death Benefit Option 1 We will increase the Total Face Amount. The amount of the increase is equal to the Policy Value on the effective date of the change. The Total Face Amount increase will be in the same proportion as the Base Policy Face Amount to the Total Face Amount. Because the death benefit will not continue to increase under Death Benefit Option 1, no proof of insurability is required. Cost of insurance charges will likely decrease. This example assumes that the policy face amount equals the Total Face Amount.
Total Face Amount	Death Benefit	Policy Value
before the change	before the change	before the change
$1,000,000	$1,050,000 ($1,000,000 + $50,000)	$50,000
after the change	after the change	after the change
$1,050,000 ($1,000,000 + $50,000)	$1,050,000	$50,000


Changing from Death Benefit Option 3 to Death Benefit Option 1 We will increase the Total Face Amount if the total premiums paid are greater than total partial surrenders (including any transaction fees) as of the effective date of the change. The increase will be in the same proportion as the Base Policy Face Amount is to the Total Face Amount. Because the death benefit will not continue to increase under Death Benefit Option 1, no proof of insurability is required. Cost of insurance charges will likely decrease. This example assumes total premiums paid are $30,000, total partial surrenders are $10,000 and the Base Policy Face Amount equals the Total Face Amount.
Total Face Amount	Death Benefit	Policy Value
before the change	before the change	before the change
$1,000,000	$1,020,000 ($1,000,000 + ($30,000 - $10,000))	$50,000
after the change	after the change	after the change
$1,020,000 ($1,000,000 + ($30,000 - $10,000))	$1,020,000	$50,000
Changing from Death Benefit Option 3 to Death Benefit Option 2 We will either increase or decrease the Total Face Amount by subtracting the Policy Value from the greater of a) premiums paid less partial surrenders and b) zero. Because the death benefit can continue to increase under Death Benefit Option 2, therefore increasing the Company’s risk, we may require proof of insurability. In addition, cost of insurance charges will likely increase. This example assumes that total premiums paid are $30,000, total partial surrenders are $10,000 and the policy face amount equals the Total Face Amount.
Total Face Amount	Death Benefit	Policy Value
before the change	before the change	before the change
$1,000,000	$1,020,000 ($1,000,000 + ($30,000 - $10,000))	$50,000
after the change	after the change	after the change
$970,000 ($1,000,000 + ($30,000 - $10,000 - $50,000))	$1,020,000 ($970,000 + $50,000)	$50,000

IRS Definition of Life Insurance

The cash value accumulation test does not place limitations on the amount of premium payments but limits the amount of Policy Values that can accumulate relative to the death benefit.

As compared to the cash value accumulation test, the guideline premium/cash value corridor test generally has:

• smaller applicable percentages

• lower minimum death benefit

• lower cost of insurance charges

• better Policy Value growth.

The smaller applicable percentages lead to a lower minimum death benefit and thus lower cost of insurance charges. Lower charges result in better Policy Value growth.

The table below demonstrates the minimum death benefit based on the test chosen.

For Policy Dates before December 15, 2021

The example below is based on the following:

• The Insured is a male with an Attained Age of 45 at the time the Policy was issued. He dies at the beginning of the sixth Policy Year (Attained Age 50)

• Total Face amount is $100,000

• Death Benefit Option 1

• Surrender value at the date of death is $25,000

• The minimum death benefit under the guideline premium/cash value corridor test is $46,250 (assuming an applicable percentage of 185% x Surrender Value)

• The minimum death benefit under the cash value accumulation test is $80,494 (assuming an applicable percentage of 321.976%)


	The death benefit payable is the larger of these two amounts
	Face Amount	Minimum death benefit	Net amount at risk used in calculating the cost of insurance charge
Guideline Premium/Cash Value Corridor Test	$100,000	$46,250	$74,705.44
Cash Value Accumulation Test	$100,000	$80,494	$74,705.44

Here’s the same example, but with a Surrender Value of $75,000. Because the Surrender Value has increased, the minimum death benefit is now:

• $138,750 for the guideline premium/cash value corridor test

• $214,482 for the cash value accumulation test.


	The death benefit payable is the larger of these two amounts
	Face Amount	Minimum death benefit	Net amount at risk used in calculating the cost of insurance charge
Guideline Premium/Cash Value Corridor Test	$100,000	$138,750	$65,521.22
Cash Value Accumulation Test	$100,000	$214,482	$166,083.83

For Policy Dates on or after December 15, 2021

The example below is based on the following:

• The Insured is a male with an Attained Age of 45 at the time the Policy was issued. He dies at the beginning of the sixth Policy Year (Attained Age 50)

• Total Face amount is $100,000

• Death Benefit Option 1

• Surrender value at the date of death is $25,000

• The minimum death benefit under the guideline premium/cash value corridor test is $46,250 (assuming an applicable percentage of 185% x Surrender Value)

• The minimum death benefit under the cash value accumulation test is $46,219 (assuming an applicable percentage of 184.874%)


	The death benefit payable is the larger of these two amounts
	Face Amount	Minimum death benefit	Net amount at risk used in calculating the cost of insurance charge
Guideline Premium/Cash Value Corridor Test	$100,000	$46,250	$74,917.11
Cash Value Accumulation Test	$100,000	$46,219	$74,917.11

Here’s the same example, but with a Surrender Value of $75,000. Because the Surrender Value has increased, the minimum death benefit is now:

• $138,750 for the guideline premium/cash value corridor test

• $138,656 for the cash value accumulation test.


	The death benefit payable is the larger of these two amounts
	Face Amount	Minimum death benefit	Net amount at risk used in calculating the cost of insurance charge
Guideline Premium/Cash Value Corridor Test	$100,000	$138,750	$63,635.00
Cash Value Accumulation Test	$100,000	$138,656	$63,540.58

Maturity Proceeds

If your Policy is in force and the Insured is living on the Policy Maturity Date shown on the Data Pages, you may elect to be paid the maturity proceeds, which are equal to the Net Surrender Value.

Additional Information about Standard Death Benefits, Note (N-6) [Text Block]

Adjustment Options

Increase in Total Face Amount

The request must be made on an Adjustment application. The application must be signed by the Owner(s) and the Insured. If your request is not approved, no changes are made to your Policy.

We will approve your request if:

•the Attained Age of the Insured does not exceed the maximum age limit that applies to the Policy on a new issue basis; and

•the amount of the face amount increase is at least the minimum face amount Increase shown on the Data Pages; and

•you supply evidence which satisfies us that the Insured is alive and insurable under our underwriting guidelines then in effect; and

•the death proceeds less the Policy Value does not exceed our maximum limits as defined under our underwriting guidelines then in effect; and

•your policy is not in a grace period; and

•the face amount after Adjustment is not less than the minimum face amount shown on the Data Pages; and

•your Monthly Policy Charges or premiums are not being waived under any rider.

The increase in Total Face Amount is in a risk classification determined by us. The Adjustment is effective on the Monthly Date on or next following our approval of your request.

Decrease in Total Face Amount

• the request must be made on an Adjustment application;

• the application must be signed by the Owner(s);

• the decrease is at least the minimum amount as determined by our underwriting guidelines in place at the time of your request;

• the decrease may not reduce the Total Face Amount below $100,000; and

• if there have been previous increases in the Total Face Amount, the decrease of Total Face Amount will be made on a last in, first out basis.

Policy Values

Your Policy Value is equal to the sum of the values in the Divisions, the Fixed Account, and Loan Account. The Policy Value:

• increases as premiums are applied and interest is credited;

• decreases as policy loans, partial surrenders, and policy expenses are deducted; and

• can increase or decrease as the investment experience of your chosen Divisions fluctuates.

Item 11. Other Benefits Available (N-6) [Text Block]

BENEFITS AVAILABLE UNDER THE POLICY

In addition to the standard death benefit associated with the Policy, other standard and/or optional benefits may also be available. The following table summarizes information about those benefits. For information about the fees associated with each benefit including the table, if any, see SUMMARY: FEE TABLES.

Subject to certain conditions, you may add one or more of the optional insurance benefits summarized in the table below. More information follows the table, and detailed information may be obtained from a registered representative or our Home Office.

Not all benefits (including those referred to below as "standard") are available to all Owners or in all states, and provisions may vary. In addition, depending on your financial professional or your financial professional's firm, certain benefits may not be available, or my be available on different terms. See GENERAL DESCRIPTION OF THE POLICY - Financial Intermediary Variations.

Name of Benefit

Purpose

Standard/Optional

Charge

Brief Description of Limitations

Change of Insured

Allows the business to change the Insured when an employee leaves employment or ownership of the business changes.

Optional

Available on business cases only.

Death Benefit Guarantee

Guarantees the Policy will not lapse before the Insured attains age 85 if premiums paid equal or exceed the Death Benefit Guarantee Premium requirement.

Standard(1)

If the rider terminates, it may not be reinstated.

Enhanced Cash Surrender Value Rider

If you surrender a Policy in full, we will pay an amount in addition to the Net Policy Value.

Optional

Underwriting guidelines and plan premium levels determine availability to select the enhanced cash surrender options. Contact your registered representative for more information.

Life Paid-Up (Overloan Protection)

Under certain circumstances, guarantees the Policy will not lapse when there is large Loan Indebtedness by converting the Policy to paid-up life insurance,

Optional

Yes

Once the benefit begins, certain limitations and restrictions are imposed on the Policy. Consult your tax advisor regarding this rider.

Supplemental Benefit Rider

Provides additional insurance (Total Face Amount) at a reduced cost,

Optional

Yes

Our approval, under our then current underwriting guidelines, is required to add this rider. The supplemental cost of insurance rate applies.

(1) Availability of these riders varies.

Change of Insured Rider

This rider is available on business owned Policies only and allows the business to change the Insured when an employee leaves employment or ownership of the business changes. This rider may be added at any time prior to the proposed Insured’s Attained Age 69. Until the effective date of the change of Insured, coverage remains in effect on the life of the prior Insured. We must receive satisfactory evidence of insurability (according to our underwriting guidelines then in effect) for the newly named Insured. Monthly policy charges will be based on the newly named Insured's Attained Age and risk classification. The death proceeds are paid when the newly named Insured dies.

There is no charge for this rider.

Death Benefit Guarantee Rider

This rider provides that your Policy will not lapse before the Insured attains age 85 if premiums paid, less Loan Indebtedness and partial surrenders, equal or exceed the Death Benefit Guarantee Premium Requirement. An illustration (available at no charge from your registered representative or our Home Office) will provide the Death Benefit Guarantee Premium Requirement applicable to your Policy. The Death Benefit Guarantee Premium Requirement is described in the section PREMIUMS — Premiums Affecting Guarantee Provisions.

If on any Monthly Date, the Death Benefit Guarantee Premium Requirement is not met, the protections of this rider will not apply and the Policy is at risk of terminating if on any Monthly Date the Net Policy Value is insufficient to pay the Monthly Policy Charge. The protections of this rider will resume on the first Monthly Date following our receipt of the premium required to satisfy the Death Benefit Guarantee Premium Requirement.

This rider is automatically made a part of the Policy at issue. There is no charge for this rider; however, sufficient premiums are required in order for the rider benefits to apply.

Enhanced Cash Surrender Value Rider

If you surrender a Policy in full that has the optional Enhanced Cash Surrender Value Rider, we will pay an amount in addition to the Net Policy Value as set out below. The additional amount reflects a partial refund of past policy charges. The additional amount is only available upon a full cash surrender of the Policy that is not associated with a

replacement or an exchange under Section 1035 of the Internal Revenue Code, or with the exercise of your right to return the Policy pursuant to the examination offer (Free-Look) provision.

This rider has no value unless or until you surrender the Policy in full. This rider generally terminates if there is a change of ownership of your Policy. This rider may be reinstated as part of your Policy if the rider was part of your Policy at the end of the grace period (as described in the grace period provision of the Policy) and if all conditions for reinstatement are met. If the rider is reinstated pursuant to the terms and conditions of the rider, Policy Year of surrender for the rider benefit will be based on the Policy Date.

The Enhanced Cash Surrender Value Rider benefit is equal to the applicable additional amount shown in the table, multiplied by the enhancement factor.


Policy Year of Surrender			Additional Amount
1			8.15% of premium received since issue less partial surrenders
2			9.50% of premium received since issue less partial surrenders
3			9.40% of premium received since issue less partial surrenders
4			9.00% of premium received since issue less partial surrenders
5			8.40% of premium received since issue less partial surrenders
6			7.50% of premium received since issue less partial surrenders
7			6.50% of premium received since issue less partial surrenders
8			5.50% of premium received since issue less partial surrenders
9			4.75% of premium received since issue less partial surrenders
10			4.00% of premium received since issue less partial surrenders
11			3.00% of premium received since issue less partial surrenders
12			2.00% of premium received since issue less partial surrenders
13			0.90% of premium received since issue less partial surrenders
14+			0.00% of premium received since issue less partial surrenders

There are four Enhancement Factor options available - 25%, 50%, 75%, or 100%. Underwriting guidelines and plan premium levels determine availability to select these options. Higher Enhancement Factors are available for relatively larger plan premium levels. Contact your registered representative for more information.

There is no initial cost to purchase this rider, however, your Policy Value will be impacted because a higher current asset based charge will be deducted from your Policy Value with 100% Enhancement Factor as compared to a policy issued without this rider. This higher current asset based charge will continue even if this rider terminates.

Life Paid-Up Rider (Overloan Protection)

Under certain circumstances, this rider can guarantee the Policy will not lapse when there is insufficient Net Policy Value to cover the Monthly Policy Charge due to Loan Indebtedness by converting the Policy to paid-up life insurance. In order for the rider benefit to begin, the following conditions must be satisfied:

•the Policy is not a Modified Endowment Contract on the Policy Date;

•no current or future distribution will be required to maintain qualification as life insurance under Section 7702 of the Internal Revenue Code, as amended;

• the Loan Indebtedness must be at least the following percentages of the Surrender Value:

•92% current (92% guaranteed) for the guideline premium test; or

•90% current (86% guaranteed) for the cash value accumulation test.

• there is sufficient Net Surrender Value to cover the one-time rider charge;

• the Policy must have been in force for at least 15 Policy Years;

•Insured is Attained Age 75; and

• total partial surrenders must equal or exceed total premiums paid.

Once the rider benefit begins:

• The Total Face Amount is reduced to equal the Policy Value after the rider charge multiplied by 105%.

• All values in the Divisions are immediately transferred to the Fixed Account where they will earn interest.

• No further Monthly Policy Charges are deducted for the remaining paid-up death benefit.

• No new premium payments, face amount Adjustments, or partial surrenders are allowed.

• If death benefit option 2 or 3 is in effect, your death benefit option will change to death benefit option 1 and you may no longer change the death benefit option.

• Your Loan Indebtedness remains and interest will continue to accrue on the Loan Indebtedness. However, loan payments can be submitted.

• All optional riders will automatically be terminated.

The rider may be elected at any time prior to the Policy Maturity Date.There is no charge for this rider unless the rider benefits commence. If the rider benefits commence, there is a one-time charge guaranteed not to exceed 7.5% of the Policy Value (for policies using the guideline premium test) and 13.5% of the Policy Value (for policies using the cash value accumulation test) that is taken from the Policy Value.

The Internal Revenue Service has not taken a position on the Life Paid-Up rider. You should consult your tax advisor regarding this rider.

Supplemental Benefit Rider

This rider provides additional insurance (Total Face Amount) at a reduced cost. Our approval, under our then current underwriting guidelines, is required to add this rider.

There is a supplemental cost of insurance charge for the Net Amount at Risk provided by this rider. The supplemental cost of insurance rate varies depending upon several factors including, but not limited to, (i) the Insured's gender, issue age, tobacco status, and risk classification, and (ii) our expectations of future investment earnings, expenses, and mortality and persistency experience. The supplemental cost of insurance rate ranges from a maximum of $83.33333 per $1,000 Net Amount at Risk to $0.00062 per $1.000 Net Amount at Risk.

Benefits Available [Table Text Block]

Name of Benefit

Purpose

Standard/Optional

Charge

Brief Description of Limitations

Change of Insured

Allows the business to change the Insured when an employee leaves employment or ownership of the business changes.

Optional

Available on business cases only.

Death Benefit Guarantee

Guarantees the Policy will not lapse before the Insured attains age 85 if premiums paid equal or exceed the Death Benefit Guarantee Premium requirement.

Standard(1)

If the rider terminates, it may not be reinstated.

Enhanced Cash Surrender Value Rider

If you surrender a Policy in full, we will pay an amount in addition to the Net Policy Value.

Optional

Underwriting guidelines and plan premium levels determine availability to select the enhanced cash surrender options. Contact your registered representative for more information.

Life Paid-Up (Overloan Protection)

Under certain circumstances, guarantees the Policy will not lapse when there is large Loan Indebtedness by converting the Policy to paid-up life insurance,

Optional

Yes

Once the benefit begins, certain limitations and restrictions are imposed on the Policy. Consult your tax advisor regarding this rider.

Supplemental Benefit Rider

Provides additional insurance (Total Face Amount) at a reduced cost,

Optional

Yes

Our approval, under our then current underwriting guidelines, is required to add this rider. The supplemental cost of insurance rate applies.

(1) Availability of these riders varies.

Benefits Description [Table Text Block]

Change of Insured Rider

There is no charge for this rider.

Death Benefit Guarantee Rider

This rider is automatically made a part of the Policy at issue. There is no charge for this rider; however, sufficient premiums are required in order for the rider benefits to apply.

Enhanced Cash Surrender Value Rider

replacement or an exchange under Section 1035 of the Internal Revenue Code, or with the exercise of your right to return the Policy pursuant to the examination offer (Free-Look) provision.

The Enhanced Cash Surrender Value Rider benefit is equal to the applicable additional amount shown in the table, multiplied by the enhancement factor.


Policy Year of Surrender			Additional Amount
1			8.15% of premium received since issue less partial surrenders
2			9.50% of premium received since issue less partial surrenders
3			9.40% of premium received since issue less partial surrenders
4			9.00% of premium received since issue less partial surrenders
5			8.40% of premium received since issue less partial surrenders
6			7.50% of premium received since issue less partial surrenders
7			6.50% of premium received since issue less partial surrenders
8			5.50% of premium received since issue less partial surrenders
9			4.75% of premium received since issue less partial surrenders
10			4.00% of premium received since issue less partial surrenders
11			3.00% of premium received since issue less partial surrenders
12			2.00% of premium received since issue less partial surrenders
13			0.90% of premium received since issue less partial surrenders
14+			0.00% of premium received since issue less partial surrenders

Life Paid-Up Rider (Overloan Protection)

•the Policy is not a Modified Endowment Contract on the Policy Date;

•no current or future distribution will be required to maintain qualification as life insurance under Section 7702 of the Internal Revenue Code, as amended;

• the Loan Indebtedness must be at least the following percentages of the Surrender Value:

•92% current (92% guaranteed) for the guideline premium test; or

•90% current (86% guaranteed) for the cash value accumulation test.

• there is sufficient Net Surrender Value to cover the one-time rider charge;

• the Policy must have been in force for at least 15 Policy Years;

•Insured is Attained Age 75; and

• total partial surrenders must equal or exceed total premiums paid.

Once the rider benefit begins:

• The Total Face Amount is reduced to equal the Policy Value after the rider charge multiplied by 105%.

• All values in the Divisions are immediately transferred to the Fixed Account where they will earn interest.

• No further Monthly Policy Charges are deducted for the remaining paid-up death benefit.

• No new premium payments, face amount Adjustments, or partial surrenders are allowed.

• If death benefit option 2 or 3 is in effect, your death benefit option will change to death benefit option 1 and you may no longer change the death benefit option.

• Your Loan Indebtedness remains and interest will continue to accrue on the Loan Indebtedness. However, loan payments can be submitted.

• All optional riders will automatically be terminated.

The Internal Revenue Service has not taken a position on the Life Paid-Up rider. You should consult your tax advisor regarding this rider.

Supplemental Benefit Rider

This rider provides additional insurance (Total Face Amount) at a reduced cost. Our approval, under our then current underwriting guidelines, is required to add this rider.

Item 18. Portfolio Companies (N-6) [Text Block]

APPENDIX

UNDERLYING FUNDS AVAILABLE UNDER THE POLICY

The following is a list of Underlying Funds currently available under the Policy, which is subject to change. Before you invest, you should review the prospectuses for the Underlying Funds, as may be amended from time to time. These prospectuses contain more information about the Underlying Funds and their risks. You can find the prospectuses and other information about the Underlying Funds online at www.principal.com/ExecutiveVUL3PLICReport. You can also request this information at no cost by calling 1-800-247-9988 or by sending an email request to Lifeinsurance@principal.com.

The current expenses and performance information below reflects fees and expenses of the Underlying Funds but does not reflect the other fees and expenses that your Policy may charge. Expenses would be higher and performance would be lower if these charges were included. Each Underlying Fund’s past performance is not necessarily an indication of future performance.

Some of the Underlying Funds are “funds of funds.” A fund of funds is a mutual fund that invests primarily in a portfolio of other mutual funds. Operating expenses shown for a fund of funds include the fees and expenses that such fund incurs indirectly as a result of investing in other funds. More detail about the risks of investing in a fund of funds is available in such fund’s prospectus.

The availability of investment options may vary depending in your financial professional or your financial professional's firm. See GENERAL DESCRIPTION OF THE POLICY - Financial Intermediary Variations.


Type	Fund Name	Adviser/ Subadviser	Current Expenses	Average Annual Total Returns (as of 12/31/25)
				1 Year	5 Year	10 Year
Small/Mid U.S. Equity	AB Variable Products Series Fund, Inc. Discovery Value Portfolio Class A	Alliance Bernstein L.P.	0.82%	2.89%	8.75%	8.55%
International Equity	AB Variable Products Series Fund, Inc. International Value Portfolio Class A 1	Alliance Bernstein L.P.	0.90%	41.70%	10.47%	6.64%
Small/Mid U.S. Equity	AB Variable Products Series Fund, Inc. Small Cap Growth Portfolio Class A 1,2	Alliance Bernstein L.P.	0.90%	4.80%	(0.44)%	11.26%


International Equity	AB Variable Products Series Fund, Inc. Sustainable Global Thematic Portfolio Class A 1	Alliance Bernstein L.P.	0.94%	6.32%	3.28%	10.08%
Asset Allocation	American Funds Insurance Series® American Funds ® Global Balanced Fund Class 2 1	Capital Research and Management Company	0.76%	17.14%	6.11%	7.69%
Fixed Income	American Funds Insurance Series® Capital World Bond Fund ® Class 2	Capital Research and Management Company	0.73%	9.39%	(2.50)%	1.23%
International Equity	American Funds Insurance Series® SMALLCAP World Fund Class 2 1,12	Capital Research and Management Company	0.90%	14.64%	0.49%	7.23%
Large U.S. Equity	American Funds Insurance Series® Growth Fund Class 2	Capital Research and Management Company	0.53%	18.06%	13.90%	13.92%
International Equity	American Funds Insurance Series® EUPAC Fund Class 2 1,13	Capital Research and Management Company	0.72%	26.77%	3.40%	7.00%
International Equity	American Funds Insurance Series® New World Fund ® Class 2 1	Capital Research and Management Company	0.82%	28.29%	5.33%	9.25%
Large U.S. Equity	American Funds Insurance Series® Washington Mutual Investors Fund Class 2 1	Capital Research and Management Company	0.50%	17.21%	13.89%	12.36%
Small/Mid U.S. Equity	BNY Mellon Investment Portfolios MidCap Stock Portfolio Service Shares 1	BNY Mellon Investment Adviser, Inc../ Newton Investment Management North America, LLC	1.05%	9.81%	9.39%	8.51%


Other - Technology	BNY Mellon Investment Portfolios Technology Growth Portfolio Service Shares	BNY Mellon Investment Adviser, Inc./ Newton Investment Management North America, LLC	1.07%	27.87%	8.96%	16.97%
Large U.S. Equity	BNY Mellon Sustainable U.S. Equity Portfolio, Inc. Service Shares	BNY Mellon Investment Adviser, Inc./ Newton Investment Management Limited	0.91%	15.67%	11.65%	13.27%
Large U.S. Equity	BNY Mellon Variable Investment Fund Appreciation Portfolio Service Shares	BNY Mellon Investment Adviser, Inc../ Fayez Sarofim & Co., LLC	1.10%	9.78%	9.08%	12.63%
International Equity	Calvert Variable Trust, Inc. CVT EAFE International Index Portfolio Class F 1	Calvert Research and Management	0.68%	30.64%	8.31%	7.63%
Fixed Income	Calvert Variable Trust, Inc. CVT Investment Grade Bond Index Portfolio Class I 1	Calvert Research and Management/ Ameritas Investment Partners, Inc.	0.32%	6.90%	(0.44)%	1.87%
Small/Mid U.S. Equity	Calvert Variable Trust, Inc. CVT Russell 2000 Small Cap Index Portfolio Class F 1	Calvert Research and Management/ Ameritas Investment Partners, Inc.	0.60%	12.23%	5.62%	9.08%
International Equity	Columbia Funds Variable Insurance Trust Acorn International Fund 1,5	Columbia Wanger Asset Management, LLC	1.09%	12.76%	(1.00)%	4.31%


Other - Multinarrative	Deutsche DWS Variable Series II DWS Alternative Asset Allocation VIP Class B	DWS Investment Management Americas, Inc./ RREEF American L.L.C..	1.31%	10.03%	4.88%	4.52%
Small/Mid U.S. Equity	Deutsche DWS Variable Series II DWS Small Mid Cap Value VIP Class B	DWS Investment Management Americas, Inc.	1.17%	17.85%	9.27%	7.17%
Large U.S. Equity	Fidelity® Variable Insurance Products Trust I Fidelity® VIP Equity-Income Portfolio SM Service Class 2	Fidelity Management & Research Company, LLC/FMR Investment Management (UK) Limited (FMR UK) Fidelity Management & Research (Hong Kong) Limited (FMR H.K.) Fidelity Management & Research (Japan) Limited (FMR Japan)	0.71%	18.75%	12.23%	11.23%


Fixed Income	Fidelity® Variable Insurance Products Trust I Fidelity® VIP High Income Portfolio Service Class 2	Fidelity Management & Research Company, LLC/FMR Investment Management (UK) Limited (FMR UK) Fidelity Management & Research (Hong Kong) Limited (FMR H.K.) Fidelity Management & Research (Japan) Limited (FMR Japan)	0.96%	10.36%	4.22%	5.59%
Large U.S. Equity	Fidelity® Variable Insurance Products Trust II Fidelity® VIP Contrafund SM Portfolio Service Class 2	Fidelity Management & Research Company, LLC/FMR Investment Management (UK) Limited (FMR UK) Fidelity Management & Research (Hong Kong) Limited (FMR H.K.) Fidelity Management & Research (Japan) Limited (FMR Japan)	0.79%	21.24%	15.08%	15.49%


Small/Mid U.S. Equity	Fidelity® Variable Insurance Products Trust II Fidelity® VIP Extended Market Index Portfolio Service Class 2	Fidelity Management & Research Company, LLC/Geode	0.37%	12.03%	7.75%
International Equity	Fidelity® Variable Insurance Products Trust II Fidelity® VIP International Index Portfolio Service Class 2	Fidelity Management & Research Company, LLC/Geode	0.41%	32.82%	7.76%	6.79%
Asset Allocation	Fidelity® Variable Insurance Products Trust II Fidelity® VIP Total Market Index Portfolio Service Class 2	Fidelity Management & Research Company, LLC/Geode	0.36%	16.86%	12.86%
Small/Mid U.S. Equity	Fidelity® Variable Insurance Products Trust III Fidelity® VIP Mid Cap Portfolio Service Class 2	Fidelity Management & Research Company, LLC/FMR Investment Management (UK) Limited (FMR UK) Fidelity Management & Research (Hong Kong) Limited (FMR H.K.) Fidelity Management & Research (Japan) Limited (FMR Japan)	0.80%	11.49%	9.83%	10.31%


Other - Consumer Defensive	Fidelity® Variable Insurance Products Trust IV Fidelity® VIP Consumer Staples Portfolio Service Class 2	Fidelity Management & Research Company, LLC/FMR Investment Management (UK) Limited (FMR UK) Fidelity Management & Research (Hong Kong) Limited (FMR H.K.) Fidelity Management & Research (Japan) Limited (FMR Japan)	0.86%	6.54%
Other - Equity Energy	Fidelity® Variable Insurance Products Trust IV Fidelity® VIP Energy Portfolio Service Class 2	Fidelity Management & Research Company, LLC/FMR Investment Management (UK) Limited (FMR UK) Fidelity Management & Research (Hong Kong) Limited (FMR H.K.) Fidelity Management & Research (Japan) Limited (FMR Japan)	0.85%	10.34%	23.86%	7.69%


Money Market	Fidelity® Variable Insurance Products Trust V Fidelity® VIP Government Money Market Portfolio Service Class	Fidelity Management & Research Company, LLC/FMR Investment Management (UK) Limited (FMR UK) Fidelity Management & Research (Hong Kong) Limited (FMR H.K.) Fidelity Management & Research (Japan) Limited (FMR Japan)	0.35%	4.03%	3.02%	0.35%
Fixed Income	Fidelity® Variable Insurance Products Trust V Fidelity® VIP Strategic Income Portfolio Service Class 2	Fidelity Management & Research Company, LLC/FMR Investment Management (UK) Limited (FMR UK) Fidelity Management & Research (Hong Kong) Limited (FMR H.K.) Fidelity Management & Research (Japan) Limited (FMR Japan)	0.88%	8.58%	2.79%	4.40%


Balanced/Asset Allocation	Franklin Templeton Variable Insurance Product Trust Franklin Income VIP Fund Class 2	Franklin Advisers, Inc.	0.72%	12.56%	7.66%	7.30%
International Equity	Franklin Templeton Variable Insurance Product Trust Franklin Mutual Global Discovery VIP Fund Class 2	Franklin Mutual Advisers, LLC	1.16%	23.34%	12.00%	8.52%
Large U.S. Equity	Franklin Templeton Variable Insurance Product Trust Franklin Mutual Shares VIP Fund Class 2	Franklin Mutual Advisers, LLC	0.94%	11.52%	9.20%	7.53%
Large U.S. Equity	Franklin Templeton Variable Insurance Product Trust Franklin Rising Dividends VIP Fund Class 2	Franklin Advisers, Inc.	0.89%	11.80%	9.50%	12.10%
Small/Mid U.S. Equity	Franklin Templeton Variable Insurance Product Trust Franklin Small Cap Value VIP Fund Class 2 1	Franklin Mutual Advisers, LLC	0.91%	7.65%	8.86%	9.81%
Fixed Income	Franklin Templeton Variable Insurance Product Trust Franklin Strategic Income VIP Fund Class 2 1	Franklin Advisers, Inc.	1.07%	7.24%	1.92%	3.10%
Fixed Income	Franklin Templeton Variable Insurance Product Trust Franklin U.S. Government Securities VIP Fund Class 2	Franklin Advisers, Inc.	0.79%	6.69%	0.02%	1.14%
International Equity	Franklin Templeton Variable Insurance Product Trust Templeton Developing Markets VIP Fund Class 2	Templeton Asset Management, Ltd./ Franklin Templeton Investment Management Limited	1.37%	46.27%	5.46%	10.40%


International Equity	Franklin Templeton Variable Insurance Product Trust Templeton Foreign VIP Fund Class 2 1	Templeton Asset Management, Ltd./ Franklin Templeton Investment Management Limited	1.08%	29.19%	8.25%	5.75%
Fixed Income	Franklin Templeton Variable Insurance Product Trust Templeton Global Bond VIP Fund Class 2 1	Templeton Asset Management, Ltd.	0.75%	15.73%	(0.96)%	(0.15)%
Large U.S. Equity	Invesco Variable Insurance Funds Invesco V.I. American Franchise Fund Series II	Invesco Advisers, Inc.	1.10%	11.39%	10.08%	14.58%
Small/Mid U.S. Equity	Invesco Variable Insurance Funds Invesco V.I. American Value Fund Series I	Invesco Advisers, Inc.	0.89%	21.00%	17.85%	12.29%
Large U.S. Equity	Invesco Variable Insurance Funds Invesco V.I. Core Equity Fund Series II	Invesco Advisers, Inc.	1.05%	15.88%	12.52%	11.46%
Small/Mid U.S. Equity	Invesco Variable Insurance Funds Invesco V.I. Discovery Mid Cap Growth Fund Series I	Invesco Advisers, Inc.	0.86%	4.79%	3.90%	11.38%
International Equity	Invesco Variable Insurance Funds Invesco V.I. EQV International Equity Fund Series I	Invesco Advisers, Inc.	0.90%	16.50%	3.68%	6.22%
Other - Global Real Estate	Invesco Variable Insurance Funds Invesco V.I. Global Real Estate Fund Series I	Invesco Advisers, Inc.	1.02%	7.85%	1.73%	2.44%
Other - Health	Invesco Variable Insurance Funds Invesco V.I. Health Care Fund Series I	Invesco Advisers, Inc.	0.99%	15.33%	3.80%	6.58%
Small/Mid U.S. Equity	Invesco Variable Insurance Funds Invesco V.I. Main Street Mid Cap Fund Series II	Invesco Advisers, Inc.	1.19%	8.96%	8.83%	9.08%


Small/Mid U.S. Equity	Invesco Variable Insurance Funds Invesco V.I. Main Street Small Cap Fund® Series II	Invesco Advisers, Inc.	1.09%	8.44%	8.07%	10.31%
Small/Mid U.S. Equity	Invesco Variable Insurance Funds Invesco V.I. Small Cap Equity Fund Series I	Invesco Advisers, Inc.	0.96%	8.05%	7.32%	9.55%
International Equity	Janus Aspen Series Trust Janus Henderson Global Sustainable Equity Portfolio Service Shares 1	Janus Henderson Investors US LLC	0.99%	17.26%
Balanced/Asset Allocation	Janus Aspen Series Trust Janus Henderson Balanced Portfolio Service Shares	Janus Henderson Investors US LLC	0.87%	14.82%	8.21%	9.86%
Small/Mid U.S. Equity	Janus Aspen Series Trust Janus Henderson Enterprise Portfolio Service Shares	Janus Henderson Investors US LLC	0.97%	7.41%	7.35%	12.51%
Fixed Income	Janus Aspen Series Trust Janus Henderson Flexible Bond Portfolio Service Shares 1	Janus Henderson Investors US LLC	0.82%	7.22%	(0.47)%	2.07%
Large U.S. Equity	Janus Aspen Series Trust Janus Henderson Forty Portfolio Service Shares	Janus Henderson Investors US LLC	0.87%	17.86%	11.37%	15.96%
International Equity	Janus Aspen Series Trust Janus Henderson Global Research Portfolio Service Shares	Janus Henderson Investors US LLC	1.07%	20.60%	12.23%	12.64%
Other - Technology	Janus Aspen Series Trust Janus Henderson Global Technology and Innovation Portfolio Service Shares	Janus Henderson Investors US LLC	0.97%	24.84%	13.44%	21.18%


Small/Mid U.S. Equity	Legg Mason Partners Variable Income Trust ClearBridge Variable Mid Cap Portfolio Class I	Franklin Templeton Fund Adviser, LLC/ ClearBridge Investments, LLC	0.82%	4.35%	4.50%	7.50%
Small/Mid U.S. Equity	Legg Mason Partners Variable Income Trust ClearBridge Variable Small Cap Growth Portfolio Class I	Franklin Templeton Fund Adviser, LLC/ ClearBridge Investments, LLC	0.81%	9.23%	(0.20)%	9.38%
Small/Mid U.S. Equity	Lincoln Variable Insurance Products Trust LVIP American Century Capital Appreciation Fund Service Class	Lincoln Financial Investments Corporation/ American Century Investment Management, Inc.	0.62%	6.56%	5.02%	11.31%
Large U.S. Equity	Lincoln Variable Insurance Products Trust LVIP Avantis Large Cap Value Fund Service Class 9	Lincoln Financial Investments Corporation/ American Century Investment Management, Inc.	0.96%	14.56%	8.51%	10.12%
Inflation - Protected Bond	Lincoln Variable Insurance Products Trust LVIP American Century Inflation Protection Fund Service Class	Lincoln Financial Investments Corporation/ American Century Investment Management, Inc.	0.72%	6.33%	0.62%	2.61%


International Equity	Lincoln Variable Insurance Products Trust LVIP American Century International Fund Service Class	Lincoln Financial Investments Corporation/ American Century Investment Management, Inc.	0.95%	15.81%	1.71%	6.27%
Small/Mid U.S. Equity	Lincoln Variable Insurance Products Trust LVIP American Century Mid Cap Value Fund Service Class	Lincoln Financial Investments Corporation/ American Century Investment Management, Inc./ American Century Investment Management, Inc.	1.01%	8.83%	8.72%	8.96%
Large U.S. Equity	Lincoln Variable Insurance Products Trust LVIP American Century Value Fund Service Class	Lincoln Financial Investments Corporation/ American Century Investment Management, Inc.	0.86%	15.85%	11.47%	10.07%
Small/Mid U.S. Equity	Lord Abbett Series Fund, Inc. Developing Growth Portfolio Class VC 1	Lord Abbett	1.27%	14.59%	(1.17)%	11.03%
International Equity	MFS® Variable Insurance Trust MFS® Global Equity Series Service Class 1	Massachusetts Financial Services Company	1.18%	13.28%	5.45%	8.64%
Large U.S. Equity	MFS® Variable Insurance Trust MFS® Growth Series Service Class 1	Massachusetts Financial Services Company	0.98%	11.90%	10.82%	15.31%


Small/Mid U.S. Equity	MFS® Variable Insurance Trust MFS® New Discovery Series Service Class 1	Massachusetts Financial Services Company	1.12%	12.56%	(0.54)%	10.46%
Balanced/Asset Allocation	MFS® Variable Insurance Trust MFS® Total Return Series Service Class 1	Massachusetts Financial Services Company	0.86%	10.91%	6.16%	7.36%
Other - Utilities	MFS® Variable Insurance Trust MFS® Utilities Series Service Class 1	Massachusetts Financial Services Company	1.03%	14.76%	7.38%	9.22%
Large U.S. Equity	MFS® Variable Insurance Trust MFS® Value Series Service Class 1	Massachusetts Financial Services Company	0.94%	12.77%	7.38%	9.22%
Small/Mid U.S. Equity	MFS® Variable Insurance Trust III MFS® Blended Research Small Cap Equity Portfolio Service Class 1	Massachusetts Financial Services Company	0.83%	5.49%	6.62%	8.82%
International Equity	MFS® Variable Insurance Trust II MFS® International Intrinsic Equity Portfolio Service Class 1,8	Massachusetts Financial Services Company	1.14%	32.96%	7.02%	9.68%
International Equity	MFS® Variable Insurance Trust II MFS® Research International Portfolio Service Class 1	Massachusetts Financial Services Company	1.15%	21.75%	5.25%	7.27%
Fixed Income	MFS® Variable Insurance Trust III MFS® Inflation-Adjusted Bond Portfolio Service Class 1	Massachusetts Financial Services Company	0.85%	8.17%	(3.35)%	0.84%
Small/Mid U.S. Equity	MFS® Variable Insurance Trust III MFS® Mid Cap Value Portfolio Service Class 1	Massachusetts Financial Services Company	1.04%	5.75%	9.90%	9.69%
Small/Mid U.S. Equity	MFS® Variable Insurance Trust III MFS® New Discovery Value Portfolio Service Class 1	Massachusetts Financial Services Company	1.13%	2.88%	8.22%	10.30%


Small/Mid U.S. Equity	Neuberger Berman Advisers Management Trust Mid Cap Growth Portfolio Class S 1	Neuberger Berman Investment Advisers, LLC	1.11%	5.23%	4.27%	10.71%
Large U.S. Equity	Neuberger Berman Advisers Management Trust Quality Equity Portfolio Class I 6	Neuberger Berman Investment Advisers, LLC	0.87%	13.74%	12.83%	12.94%
Small/Mid U.S. Equity	Nomura Funds Ivy Variable Insurance Portfolios/Nomura VIP Small Cap Value Series Service Class 1,7	Delaware Management Company, a series of Nomura Investment Management Business Trust	1.04%	7.83%	8.93%	8.84%
Asset Allocation	Northern Lights Variable Trust TOPS TM Managed Risk Balanced ETF Portfolio Class 2	Valmark Advisers, Inc./ Milliman Financial Risk Management, LLC	0.76%	9.03%	3.83%	4.92%
Asset Allocation	Northern Lights Variable Trust TOPS TM Managed Risk Moderately Aggressive ETF Portfolio Class 2 10	Valmark Advisers, Inc./ Milliman Financial Risk Management, LLC	0.75%	11.65%	5.36%	6.13%
Asset Allocation	Northern Lights Variable Trust TOPS TM Managed Risk Moderate ETF Portfolio Class 2 11	Valmark Advisers, Inc../ Milliman Financial Risk Management, LLC	0.75%	10.36%	4.74%	5.72%
Balanced/Asset Allocation	PIMCO Variable Insurance Trust PIMCO All Asset Portfolio Administrative Class 1	Pacific Investment Management Company, LLC	2.13%	14.20%	5.60%	6.77%


Other - Commodities	PIMCO Variable Insurance Trust PIMCO CommodityRealReturn®Strategy Portfolio Administrative Class	Pacific Investment Management Company, LLC	0.86%	18.79%	10.55%	6.54%
Fixed Income	PIMCO Variable Insurance Trust PIMCO Emerging Markets Bond Portfolio Administrative Class	Pacific Investment Management Company, LLC	1.17%	14.98%	2.44%	5.06%
Fixed Income	PIMCO Variable Insurance Trust PIMCO High Yield Portfolio Administrative Class	Pacific Investment Management Company, LLC	0.81%	8.95%	3.97%	5.57%
Global Bond - USD Hedged	PIMCO Variable Insurance Trust PIMCO International Bond Portfolio (U.S. Dollar-Hedged) Administrative Class 4	Pacific Investment Management Company, LLC	1.09%	3.95%	1.03%	2.88%
Fixed Income	PIMCO Variable Insurance Trust PIMCO Long-Term U.S. Government Portfolio Administrative Class	Pacific Investment Management Company, LLC	2.48%	6.15%	(6.82)%	0.01%
Short-Term Fixed Income	PIMCO Variable Insurance Trust PIMCO Low Duration Portfolio Administrative Class	Pacific Investment Management Company, LLC	0.66%	5.52%	1.57%	1.79%
Fixed Income	PIMCO Variable Insurance Trust PIMCO Real Return Portfolio Administrative Class	Pacific Investment Management Company, LLC	1.39%	7.85%	1.21%	3.21%
Short-Term Fixed Income	PIMCO Variable Insurance Trust PIMCO Short-Term Portfolio Administrative Class	Pacific Investment Management Company, LLC	0.65%	4.67%	3.25%	2.76%
Fixed Income	PIMCO Variable Insurance Trust PIMCO Total Return Portfolio Administrative Class	Pacific Investment Management Company, LLC	0.73%	8.89%	0.02%	2.36%
Fixed Income	Principal Variable Contract Funds, Inc. PVC – Bond Market Index Account Class 1	Principal Global Investors, LLC	0.15%	7.16%	(0.52)%	1.80%


Fixed Income	Principal Variable Contract Funds, Inc. PVC – Core Plus Bond Account Class 1	Principal Global Investors, LLC	0.50%	7.46%	(0.48)%	2.36%
International Equity	Principal Variable Contract Funds, Inc. PVC – Diversified International Account Class 1	Principal Global Investors, LLC	0.24%	12.46%	5.93%	7.51%
Large U.S. Equity	Principal Variable Contract Funds, Inc. PVC – Equity Income Account Class 1	Principal Global Investors, LLC	0.48%	15.50%	10.21%	11.51%
International Equity	Principal Variable Contract Funds, Inc. PVC – Global Emerging Markets Account Class 1	Principal Global Investors, LLC	1.12%	37.27%	5.06%	8.12%
Fixed Income	Principal Variable Contract Funds, Inc. PVC – Government & High-Quality Bond Account Class 1	Principal Global Investors, LLC	0.50%	7.91%	(0.23)%	1.26%
Large U.S. Equity	Principal Variable Contract Funds, Inc. PVC – Large Cap Growth Account I Class 1 1	Principal Global Investors, LLC/Los Angeles Capital Management Company, LLC T. Rowe Price Associates, Inc. Westfield Capital Management Company, L.P.	0.67%	11.39%	9.44%	15.00%
Large U.S. Equity	Principal Variable Contract Funds, Inc. PVC – Large Cap S&P 500 Index Account Class 1	Principal Global Investors, LLC	0.20%	17.62%	14.14%	14.52%
Small/Mid U.S. Equity	Principal Variable Contract Funds, Inc. PVC – MidCap Account Class 1	Principal Global Investors, LLC	0.53%	1.78%	8.33%	12.58%


Large U.S. Equity	Principal Variable Contract Funds, Inc. PVC – Principal Capital Appreciation Account Class 1	Principal Global Investors, LLC	0.63%	13.52%	13.82%	14.35%
Asset Allocation	Principal Variable Contract Funds, Inc. PVC – Principal LifeTime 2020 Account Class 1	Principal Global Investors, LLC	0.47%	11.33%	4.65%	6.77%
Asset Allocation	Principal Variable Contract Funds, Inc. PVC – Principal LifeTime 2030 Account Class 1	Principal Global Investors, LLC	0.50%	13.21%	5.91%	8.07%
Asset Allocation	Principal Variable Contract Funds, Inc. PVC – Principal LifeTime 2040 Account Class 1	Principal Global Investors, LLC	0.54%	15.57%	7.56%	9.35%
Asset Allocation	Principal Variable Contract Funds, Inc. PVC – Principal LifeTime 2050 Account Class 1	Principal Global Investors, LLC	0.58%	17.50%	8.77%	10.22%
Asset Allocation	Principal Variable Contract Funds, Inc. PVC – Principal LifeTime 2060 Account Class 1	Principal Global Investors, LLC	0.61%	17.68%	8.97%	10.35%
Asset Allocation	Principal Variable Contract Funds, Inc. PVC – Principal LifeTime Strategic Income Account Class 1	Principal Global Investors, LLC	0.48%	10.45%	3.48%	4.98%
Small/Mid U.S. Equity	Principal Variable Contract Funds, Inc. PVC – Real Estate Securities Account Class 1	Principal Global Investors, LLC/ Principal Real Estate Investors, LLC	0.78%	1.24%	4.88%	5.94%


Short - Term Fixed Income	Principal Variable Contract Funds, Inc. PVC – Short-Term Income Account Class 1	Principal Global Investors, LLC	0.42%	5.48%	2.33%	2.52%
Small/Mid U.S. Equity	Principal Variable Contract Funds, Inc. Principal Variable Contract Funds, Inc. PVC – SmallCap Account Class 1	Principal Global Investors, LLC	0.84%	15.10%	6.29%	9.57%
Asset Allocation	Principal Variable Contract Funds, Inc. PVC – Strategic Asset Management (SAM) – Balanced Portfolio Class 1	Principal Global Investors, LLC	0.68%	14.00%	7.27%	8.29%
Asset Allocation	Principal Variable Contract Funds, Inc. PVC – Strategic Asset Management (SAM) – Conservative Balanced Portfolio Class 1	Principal Global Investors, LLC	0.67%	11.69%	5.04%	6.39%
Asset Allocation	Principal Variable Contract Funds, Inc. PVC – Strategic Asset Management (SAM) – Conservative Growth Portfolio Class 1	Principal Global Investors, LLC	0.72%	15.56%	9.00%	9.94%
Asset Allocation	Principal Variable Contract Funds, Inc. PVC – Strategic Asset Management (SAM) – Flexible Income Portfolio Class 1	Principal Global Investors, LLC	0.64%	9.96%	3.57%	5.12%
Asset Allocation	Principal Variable Contract Funds, Inc. PVC – Strategic Asset Management (SAM) – Strategic Growth Portfolio Class 1	Principal Global Investors, LLC	0.75%	16.86%	10.16%	10.96%


International Equity	Putnam Variable Trust Putnam VT International Value Fund Class IB	Putnam Management, LLC (d/b/a Putnam Management)/ Franklin Advisers, Inc.	1.06%	37.68%	9.28%	8.12%
Large U.S. Equity	Putnam Variable Trust Putnam VT Large Cap Growth Fund Class IB	Putnam Management, LLC (d/b/a Putnam Management)/ Franklin Advisers, Inc.	0.88%	8.80%	6.18%	11.45%
Small/Mid U.S. Equity	Putnam Variable Trust Putnam VT Small Cap Growth Fund Class IB 1	Putnam Management, LLC (d/b/a Putnam Management)/ Franklin Advisers, Inc.	1.12%	8.80%	6.18%	11.45%
Small/Mid U.S. Equity	Putnam Variable Trust Putnam VT Small Cap Value Fund Class IB	Putnam Management, LLC (d/b/a Putnam Management)/ Franklin Advisers, Inc.	1.02%	5.27%	10.99%	9.13%
Other - Natural Resources	Rydex Variable Trust Basic Materials Fund Rydex VT 1	Security Investors, LLC (d/b/a Guggenheim Investments)	1.78%	32.89%	9.42%	11.58%
Other - Utilities	Rydex Variable Trust Utilities Fund Rydex VT 1	Security Investors, LLC (d/b/a Guggenheim Investments)	1.79%	17.07	8.56%	8.60%
Other - Health	T. Rowe Price Equity Series, Inc. Health Sciences Portfolio II Class	T. Rowe Price	1.11%	17.80%	3.86%	8.70%


Other - Natural Resources	VanEck Variable Insurance Products Trust VanEck VIP Global Resources Fund Initial Class	VanEck Associates Corporation	1.08%	36.48%	10.51%	8.33%
Balanced/Asset Allocation	Vanguard Variable Insurance Funds Vanguard VIF Balanced Portfolio	Wellington Management Company, LLP	0.20%	16.46%	9.29%	10.03%
Balanced/Asset Allocation	Vanguard Variable Insurance Funds Vanguard VIF Conservative Allocation Portfolio 3	The Vanguard Group, Inc.	0.12%	12.73%	4.22%	6.14%
Large U.S. Equity	Vanguard Variable Insurance Funds Vanguard VIF Equity Income Portfolio 3	The Vanguard Group, Inc.	0.29%	16.80%	12.59%	11.52%
Fixed Income	Vanguard Variable Insurance Funds Vanguard VIF Global Bond Index Portfolio	The Vanguard Group, Inc.	0.13%	5.69%	(0.41)%	N/A
Small/Mid U.S. Equity	Vanguard Variable Insurance Funds Vanguard VIF International Portfolio	Baillie Gifford Overseas, Ltd.â€¨Schroder Investment Management North America, Inc./ Schroder Investment Management North America, Ltd.	0.32%	19.97%	0.62%	10.48%
Small/Mid U.S. Equity	Vanguard Variable Insurance Funds Vanguard VIF Mid-Cap Index Portfolio	The Vanguard Group, Inc.	0.17%	11.54%	8.46%	10.77%
Asset Allocation	Vanguard Variable Insurance Funds Vanguard VIF Real Estate Index Portfolio	The Vanguard Group, Inc.	0.26%	3.11%	4.51%	5.08%

1. The Fund's current expenses are subject to a temporary expense reimbursement and/or fee waiver arrangement that is in place. This arrangement may be terminated in the future and, therefore, the expense figures shown reflect temporary fee reductions. Please refer to the Fund's prospectus for more information.

2. This Fund is closed to new investors with an application signature date of February 1, 2013, and after.

3. This Fund became available for investment on June 5, 2023.

4. This Fund became available for investment on May 31, 2025.

5. Prior to June 2, 2025, the name of this fund was the Wanger Acorn International Fund.

6. Prior to July 28, 2025, the name of this fund was the AMT Sustainable Equity Portfolio.

7. Prior to December 1, 2025, the name of this fund was the Macquarie VIP Small Cap Value Series.

8. Prior to April 30, 2026, the name of this fund was the MFS ® International Intrinsic Value Portfolio.

9.Prior to May 1, 2026, the name of this fund was the LVIP American Century Disciplined Core Value Fund.

10. Prior to May 1, 2026, the name of this fund was the TOPS ® Managed Risk Growth ETF Portfolio.

11. Prior to May 1, 2026, the name of this fund was the TOPS ® Managed Risk Moderate Growth ETF Portfolio.

12. Prior to May 1, 2026, the name of this fund was the American Funds Insurance Series Global Small Capitalization Fund.

13. Prior to May 1, 2026, the name of this fund was the American Funds Insurance Series International Fund.

Prospectuses Available [Text Block]

Portfolio Companies [Table Text Block]


Type	Fund Name	Adviser/ Subadviser	Current Expenses	Average Annual Total Returns (as of 12/31/25)
				1 Year	5 Year	10 Year
Small/Mid U.S. Equity	AB Variable Products Series Fund, Inc. Discovery Value Portfolio Class A	Alliance Bernstein L.P.	0.82%	2.89%	8.75%	8.55%
International Equity	AB Variable Products Series Fund, Inc. International Value Portfolio Class A 1	Alliance Bernstein L.P.	0.90%	41.70%	10.47%	6.64%
Small/Mid U.S. Equity	AB Variable Products Series Fund, Inc. Small Cap Growth Portfolio Class A 1,2	Alliance Bernstein L.P.	0.90%	4.80%	(0.44)%	11.26%


International Equity	AB Variable Products Series Fund, Inc. Sustainable Global Thematic Portfolio Class A 1	Alliance Bernstein L.P.	0.94%	6.32%	3.28%	10.08%
Asset Allocation	American Funds Insurance Series® American Funds ® Global Balanced Fund Class 2 1	Capital Research and Management Company	0.76%	17.14%	6.11%	7.69%
Fixed Income	American Funds Insurance Series® Capital World Bond Fund ® Class 2	Capital Research and Management Company	0.73%	9.39%	(2.50)%	1.23%
International Equity	American Funds Insurance Series® SMALLCAP World Fund Class 2 1,12	Capital Research and Management Company	0.90%	14.64%	0.49%	7.23%
Large U.S. Equity	American Funds Insurance Series® Growth Fund Class 2	Capital Research and Management Company	0.53%	18.06%	13.90%	13.92%
International Equity	American Funds Insurance Series® EUPAC Fund Class 2 1,13	Capital Research and Management Company	0.72%	26.77%	3.40%	7.00%
International Equity	American Funds Insurance Series® New World Fund ® Class 2 1	Capital Research and Management Company	0.82%	28.29%	5.33%	9.25%
Large U.S. Equity	American Funds Insurance Series® Washington Mutual Investors Fund Class 2 1	Capital Research and Management Company	0.50%	17.21%	13.89%	12.36%
Small/Mid U.S. Equity	BNY Mellon Investment Portfolios MidCap Stock Portfolio Service Shares 1	BNY Mellon Investment Adviser, Inc../ Newton Investment Management North America, LLC	1.05%	9.81%	9.39%	8.51%


Other - Technology	BNY Mellon Investment Portfolios Technology Growth Portfolio Service Shares	BNY Mellon Investment Adviser, Inc./ Newton Investment Management North America, LLC	1.07%	27.87%	8.96%	16.97%
Large U.S. Equity	BNY Mellon Sustainable U.S. Equity Portfolio, Inc. Service Shares	BNY Mellon Investment Adviser, Inc./ Newton Investment Management Limited	0.91%	15.67%	11.65%	13.27%
Large U.S. Equity	BNY Mellon Variable Investment Fund Appreciation Portfolio Service Shares	BNY Mellon Investment Adviser, Inc../ Fayez Sarofim & Co., LLC	1.10%	9.78%	9.08%	12.63%
International Equity	Calvert Variable Trust, Inc. CVT EAFE International Index Portfolio Class F 1	Calvert Research and Management	0.68%	30.64%	8.31%	7.63%
Fixed Income	Calvert Variable Trust, Inc. CVT Investment Grade Bond Index Portfolio Class I 1	Calvert Research and Management/ Ameritas Investment Partners, Inc.	0.32%	6.90%	(0.44)%	1.87%
Small/Mid U.S. Equity	Calvert Variable Trust, Inc. CVT Russell 2000 Small Cap Index Portfolio Class F 1	Calvert Research and Management/ Ameritas Investment Partners, Inc.	0.60%	12.23%	5.62%	9.08%
International Equity	Columbia Funds Variable Insurance Trust Acorn International Fund 1,5	Columbia Wanger Asset Management, LLC	1.09%	12.76%	(1.00)%	4.31%


Other - Multinarrative	Deutsche DWS Variable Series II DWS Alternative Asset Allocation VIP Class B	DWS Investment Management Americas, Inc./ RREEF American L.L.C..	1.31%	10.03%	4.88%	4.52%
Small/Mid U.S. Equity	Deutsche DWS Variable Series II DWS Small Mid Cap Value VIP Class B	DWS Investment Management Americas, Inc.	1.17%	17.85%	9.27%	7.17%
Large U.S. Equity	Fidelity® Variable Insurance Products Trust I Fidelity® VIP Equity-Income Portfolio SM Service Class 2	Fidelity Management & Research Company, LLC/FMR Investment Management (UK) Limited (FMR UK) Fidelity Management & Research (Hong Kong) Limited (FMR H.K.) Fidelity Management & Research (Japan) Limited (FMR Japan)	0.71%	18.75%	12.23%	11.23%


Fixed Income	Fidelity® Variable Insurance Products Trust I Fidelity® VIP High Income Portfolio Service Class 2	Fidelity Management & Research Company, LLC/FMR Investment Management (UK) Limited (FMR UK) Fidelity Management & Research (Hong Kong) Limited (FMR H.K.) Fidelity Management & Research (Japan) Limited (FMR Japan)	0.96%	10.36%	4.22%	5.59%
Large U.S. Equity	Fidelity® Variable Insurance Products Trust II Fidelity® VIP Contrafund SM Portfolio Service Class 2	Fidelity Management & Research Company, LLC/FMR Investment Management (UK) Limited (FMR UK) Fidelity Management & Research (Hong Kong) Limited (FMR H.K.) Fidelity Management & Research (Japan) Limited (FMR Japan)	0.79%	21.24%	15.08%	15.49%


Small/Mid U.S. Equity	Fidelity® Variable Insurance Products Trust II Fidelity® VIP Extended Market Index Portfolio Service Class 2	Fidelity Management & Research Company, LLC/Geode	0.37%	12.03%	7.75%
International Equity	Fidelity® Variable Insurance Products Trust II Fidelity® VIP International Index Portfolio Service Class 2	Fidelity Management & Research Company, LLC/Geode	0.41%	32.82%	7.76%	6.79%
Asset Allocation	Fidelity® Variable Insurance Products Trust II Fidelity® VIP Total Market Index Portfolio Service Class 2	Fidelity Management & Research Company, LLC/Geode	0.36%	16.86%	12.86%
Small/Mid U.S. Equity	Fidelity® Variable Insurance Products Trust III Fidelity® VIP Mid Cap Portfolio Service Class 2	Fidelity Management & Research Company, LLC/FMR Investment Management (UK) Limited (FMR UK) Fidelity Management & Research (Hong Kong) Limited (FMR H.K.) Fidelity Management & Research (Japan) Limited (FMR Japan)	0.80%	11.49%	9.83%	10.31%


Other - Consumer Defensive	Fidelity® Variable Insurance Products Trust IV Fidelity® VIP Consumer Staples Portfolio Service Class 2	Fidelity Management & Research Company, LLC/FMR Investment Management (UK) Limited (FMR UK) Fidelity Management & Research (Hong Kong) Limited (FMR H.K.) Fidelity Management & Research (Japan) Limited (FMR Japan)	0.86%	6.54%
Other - Equity Energy	Fidelity® Variable Insurance Products Trust IV Fidelity® VIP Energy Portfolio Service Class 2	Fidelity Management & Research Company, LLC/FMR Investment Management (UK) Limited (FMR UK) Fidelity Management & Research (Hong Kong) Limited (FMR H.K.) Fidelity Management & Research (Japan) Limited (FMR Japan)	0.85%	10.34%	23.86%	7.69%


Money Market	Fidelity® Variable Insurance Products Trust V Fidelity® VIP Government Money Market Portfolio Service Class	Fidelity Management & Research Company, LLC/FMR Investment Management (UK) Limited (FMR UK) Fidelity Management & Research (Hong Kong) Limited (FMR H.K.) Fidelity Management & Research (Japan) Limited (FMR Japan)	0.35%	4.03%	3.02%	0.35%
Fixed Income	Fidelity® Variable Insurance Products Trust V Fidelity® VIP Strategic Income Portfolio Service Class 2	Fidelity Management & Research Company, LLC/FMR Investment Management (UK) Limited (FMR UK) Fidelity Management & Research (Hong Kong) Limited (FMR H.K.) Fidelity Management & Research (Japan) Limited (FMR Japan)	0.88%	8.58%	2.79%	4.40%


Balanced/Asset Allocation	Franklin Templeton Variable Insurance Product Trust Franklin Income VIP Fund Class 2	Franklin Advisers, Inc.	0.72%	12.56%	7.66%	7.30%
International Equity	Franklin Templeton Variable Insurance Product Trust Franklin Mutual Global Discovery VIP Fund Class 2	Franklin Mutual Advisers, LLC	1.16%	23.34%	12.00%	8.52%
Large U.S. Equity	Franklin Templeton Variable Insurance Product Trust Franklin Mutual Shares VIP Fund Class 2	Franklin Mutual Advisers, LLC	0.94%	11.52%	9.20%	7.53%
Large U.S. Equity	Franklin Templeton Variable Insurance Product Trust Franklin Rising Dividends VIP Fund Class 2	Franklin Advisers, Inc.	0.89%	11.80%	9.50%	12.10%
Small/Mid U.S. Equity	Franklin Templeton Variable Insurance Product Trust Franklin Small Cap Value VIP Fund Class 2 1	Franklin Mutual Advisers, LLC	0.91%	7.65%	8.86%	9.81%
Fixed Income	Franklin Templeton Variable Insurance Product Trust Franklin Strategic Income VIP Fund Class 2 1	Franklin Advisers, Inc.	1.07%	7.24%	1.92%	3.10%
Fixed Income	Franklin Templeton Variable Insurance Product Trust Franklin U.S. Government Securities VIP Fund Class 2	Franklin Advisers, Inc.	0.79%	6.69%	0.02%	1.14%
International Equity	Franklin Templeton Variable Insurance Product Trust Templeton Developing Markets VIP Fund Class 2	Templeton Asset Management, Ltd./ Franklin Templeton Investment Management Limited	1.37%	46.27%	5.46%	10.40%


International Equity	Franklin Templeton Variable Insurance Product Trust Templeton Foreign VIP Fund Class 2 1	Templeton Asset Management, Ltd./ Franklin Templeton Investment Management Limited	1.08%	29.19%	8.25%	5.75%
Fixed Income	Franklin Templeton Variable Insurance Product Trust Templeton Global Bond VIP Fund Class 2 1	Templeton Asset Management, Ltd.	0.75%	15.73%	(0.96)%	(0.15)%
Large U.S. Equity	Invesco Variable Insurance Funds Invesco V.I. American Franchise Fund Series II	Invesco Advisers, Inc.	1.10%	11.39%	10.08%	14.58%
Small/Mid U.S. Equity	Invesco Variable Insurance Funds Invesco V.I. American Value Fund Series I	Invesco Advisers, Inc.	0.89%	21.00%	17.85%	12.29%
Large U.S. Equity	Invesco Variable Insurance Funds Invesco V.I. Core Equity Fund Series II	Invesco Advisers, Inc.	1.05%	15.88%	12.52%	11.46%
Small/Mid U.S. Equity	Invesco Variable Insurance Funds Invesco V.I. Discovery Mid Cap Growth Fund Series I	Invesco Advisers, Inc.	0.86%	4.79%	3.90%	11.38%
International Equity	Invesco Variable Insurance Funds Invesco V.I. EQV International Equity Fund Series I	Invesco Advisers, Inc.	0.90%	16.50%	3.68%	6.22%
Other - Global Real Estate	Invesco Variable Insurance Funds Invesco V.I. Global Real Estate Fund Series I	Invesco Advisers, Inc.	1.02%	7.85%	1.73%	2.44%
Other - Health	Invesco Variable Insurance Funds Invesco V.I. Health Care Fund Series I	Invesco Advisers, Inc.	0.99%	15.33%	3.80%	6.58%
Small/Mid U.S. Equity	Invesco Variable Insurance Funds Invesco V.I. Main Street Mid Cap Fund Series II	Invesco Advisers, Inc.	1.19%	8.96%	8.83%	9.08%


Small/Mid U.S. Equity	Invesco Variable Insurance Funds Invesco V.I. Main Street Small Cap Fund® Series II	Invesco Advisers, Inc.	1.09%	8.44%	8.07%	10.31%
Small/Mid U.S. Equity	Invesco Variable Insurance Funds Invesco V.I. Small Cap Equity Fund Series I	Invesco Advisers, Inc.	0.96%	8.05%	7.32%	9.55%
International Equity	Janus Aspen Series Trust Janus Henderson Global Sustainable Equity Portfolio Service Shares 1	Janus Henderson Investors US LLC	0.99%	17.26%
Balanced/Asset Allocation	Janus Aspen Series Trust Janus Henderson Balanced Portfolio Service Shares	Janus Henderson Investors US LLC	0.87%	14.82%	8.21%	9.86%
Small/Mid U.S. Equity	Janus Aspen Series Trust Janus Henderson Enterprise Portfolio Service Shares	Janus Henderson Investors US LLC	0.97%	7.41%	7.35%	12.51%
Fixed Income	Janus Aspen Series Trust Janus Henderson Flexible Bond Portfolio Service Shares 1	Janus Henderson Investors US LLC	0.82%	7.22%	(0.47)%	2.07%
Large U.S. Equity	Janus Aspen Series Trust Janus Henderson Forty Portfolio Service Shares	Janus Henderson Investors US LLC	0.87%	17.86%	11.37%	15.96%
International Equity	Janus Aspen Series Trust Janus Henderson Global Research Portfolio Service Shares	Janus Henderson Investors US LLC	1.07%	20.60%	12.23%	12.64%
Other - Technology	Janus Aspen Series Trust Janus Henderson Global Technology and Innovation Portfolio Service Shares	Janus Henderson Investors US LLC	0.97%	24.84%	13.44%	21.18%


Small/Mid U.S. Equity	Legg Mason Partners Variable Income Trust ClearBridge Variable Mid Cap Portfolio Class I	Franklin Templeton Fund Adviser, LLC/ ClearBridge Investments, LLC	0.82%	4.35%	4.50%	7.50%
Small/Mid U.S. Equity	Legg Mason Partners Variable Income Trust ClearBridge Variable Small Cap Growth Portfolio Class I	Franklin Templeton Fund Adviser, LLC/ ClearBridge Investments, LLC	0.81%	9.23%	(0.20)%	9.38%
Small/Mid U.S. Equity	Lincoln Variable Insurance Products Trust LVIP American Century Capital Appreciation Fund Service Class	Lincoln Financial Investments Corporation/ American Century Investment Management, Inc.	0.62%	6.56%	5.02%	11.31%
Large U.S. Equity	Lincoln Variable Insurance Products Trust LVIP Avantis Large Cap Value Fund Service Class 9	Lincoln Financial Investments Corporation/ American Century Investment Management, Inc.	0.96%	14.56%	8.51%	10.12%
Inflation - Protected Bond	Lincoln Variable Insurance Products Trust LVIP American Century Inflation Protection Fund Service Class	Lincoln Financial Investments Corporation/ American Century Investment Management, Inc.	0.72%	6.33%	0.62%	2.61%


International Equity	Lincoln Variable Insurance Products Trust LVIP American Century International Fund Service Class	Lincoln Financial Investments Corporation/ American Century Investment Management, Inc.	0.95%	15.81%	1.71%	6.27%
Small/Mid U.S. Equity	Lincoln Variable Insurance Products Trust LVIP American Century Mid Cap Value Fund Service Class	Lincoln Financial Investments Corporation/ American Century Investment Management, Inc./ American Century Investment Management, Inc.	1.01%	8.83%	8.72%	8.96%
Large U.S. Equity	Lincoln Variable Insurance Products Trust LVIP American Century Value Fund Service Class	Lincoln Financial Investments Corporation/ American Century Investment Management, Inc.	0.86%	15.85%	11.47%	10.07%
Small/Mid U.S. Equity	Lord Abbett Series Fund, Inc. Developing Growth Portfolio Class VC 1	Lord Abbett	1.27%	14.59%	(1.17)%	11.03%
International Equity	MFS® Variable Insurance Trust MFS® Global Equity Series Service Class 1	Massachusetts Financial Services Company	1.18%	13.28%	5.45%	8.64%
Large U.S. Equity	MFS® Variable Insurance Trust MFS® Growth Series Service Class 1	Massachusetts Financial Services Company	0.98%	11.90%	10.82%	15.31%


Small/Mid U.S. Equity	MFS® Variable Insurance Trust MFS® New Discovery Series Service Class 1	Massachusetts Financial Services Company	1.12%	12.56%	(0.54)%	10.46%
Balanced/Asset Allocation	MFS® Variable Insurance Trust MFS® Total Return Series Service Class 1	Massachusetts Financial Services Company	0.86%	10.91%	6.16%	7.36%
Other - Utilities	MFS® Variable Insurance Trust MFS® Utilities Series Service Class 1	Massachusetts Financial Services Company	1.03%	14.76%	7.38%	9.22%
Large U.S. Equity	MFS® Variable Insurance Trust MFS® Value Series Service Class 1	Massachusetts Financial Services Company	0.94%	12.77%	7.38%	9.22%
Small/Mid U.S. Equity	MFS® Variable Insurance Trust III MFS® Blended Research Small Cap Equity Portfolio Service Class 1	Massachusetts Financial Services Company	0.83%	5.49%	6.62%	8.82%
International Equity	MFS® Variable Insurance Trust II MFS® International Intrinsic Equity Portfolio Service Class 1,8	Massachusetts Financial Services Company	1.14%	32.96%	7.02%	9.68%
International Equity	MFS® Variable Insurance Trust II MFS® Research International Portfolio Service Class 1	Massachusetts Financial Services Company	1.15%	21.75%	5.25%	7.27%
Fixed Income	MFS® Variable Insurance Trust III MFS® Inflation-Adjusted Bond Portfolio Service Class 1	Massachusetts Financial Services Company	0.85%	8.17%	(3.35)%	0.84%
Small/Mid U.S. Equity	MFS® Variable Insurance Trust III MFS® Mid Cap Value Portfolio Service Class 1	Massachusetts Financial Services Company	1.04%	5.75%	9.90%	9.69%
Small/Mid U.S. Equity	MFS® Variable Insurance Trust III MFS® New Discovery Value Portfolio Service Class 1	Massachusetts Financial Services Company	1.13%	2.88%	8.22%	10.30%


Small/Mid U.S. Equity	Neuberger Berman Advisers Management Trust Mid Cap Growth Portfolio Class S 1	Neuberger Berman Investment Advisers, LLC	1.11%	5.23%	4.27%	10.71%
Large U.S. Equity	Neuberger Berman Advisers Management Trust Quality Equity Portfolio Class I 6	Neuberger Berman Investment Advisers, LLC	0.87%	13.74%	12.83%	12.94%
Small/Mid U.S. Equity	Nomura Funds Ivy Variable Insurance Portfolios/Nomura VIP Small Cap Value Series Service Class 1,7	Delaware Management Company, a series of Nomura Investment Management Business Trust	1.04%	7.83%	8.93%	8.84%
Asset Allocation	Northern Lights Variable Trust TOPS TM Managed Risk Balanced ETF Portfolio Class 2	Valmark Advisers, Inc./ Milliman Financial Risk Management, LLC	0.76%	9.03%	3.83%	4.92%
Asset Allocation	Northern Lights Variable Trust TOPS TM Managed Risk Moderately Aggressive ETF Portfolio Class 2 10	Valmark Advisers, Inc./ Milliman Financial Risk Management, LLC	0.75%	11.65%	5.36%	6.13%
Asset Allocation	Northern Lights Variable Trust TOPS TM Managed Risk Moderate ETF Portfolio Class 2 11	Valmark Advisers, Inc../ Milliman Financial Risk Management, LLC	0.75%	10.36%	4.74%	5.72%
Balanced/Asset Allocation	PIMCO Variable Insurance Trust PIMCO All Asset Portfolio Administrative Class 1	Pacific Investment Management Company, LLC	2.13%	14.20%	5.60%	6.77%


Other - Commodities	PIMCO Variable Insurance Trust PIMCO CommodityRealReturn®Strategy Portfolio Administrative Class	Pacific Investment Management Company, LLC	0.86%	18.79%	10.55%	6.54%
Fixed Income	PIMCO Variable Insurance Trust PIMCO Emerging Markets Bond Portfolio Administrative Class	Pacific Investment Management Company, LLC	1.17%	14.98%	2.44%	5.06%
Fixed Income	PIMCO Variable Insurance Trust PIMCO High Yield Portfolio Administrative Class	Pacific Investment Management Company, LLC	0.81%	8.95%	3.97%	5.57%
Global Bond - USD Hedged	PIMCO Variable Insurance Trust PIMCO International Bond Portfolio (U.S. Dollar-Hedged) Administrative Class 4	Pacific Investment Management Company, LLC	1.09%	3.95%	1.03%	2.88%
Fixed Income	PIMCO Variable Insurance Trust PIMCO Long-Term U.S. Government Portfolio Administrative Class	Pacific Investment Management Company, LLC	2.48%	6.15%	(6.82)%	0.01%
Short-Term Fixed Income	PIMCO Variable Insurance Trust PIMCO Low Duration Portfolio Administrative Class	Pacific Investment Management Company, LLC	0.66%	5.52%	1.57%	1.79%
Fixed Income	PIMCO Variable Insurance Trust PIMCO Real Return Portfolio Administrative Class	Pacific Investment Management Company, LLC	1.39%	7.85%	1.21%	3.21%
Short-Term Fixed Income	PIMCO Variable Insurance Trust PIMCO Short-Term Portfolio Administrative Class	Pacific Investment Management Company, LLC	0.65%	4.67%	3.25%	2.76%
Fixed Income	PIMCO Variable Insurance Trust PIMCO Total Return Portfolio Administrative Class	Pacific Investment Management Company, LLC	0.73%	8.89%	0.02%	2.36%
Fixed Income	Principal Variable Contract Funds, Inc. PVC – Bond Market Index Account Class 1	Principal Global Investors, LLC	0.15%	7.16%	(0.52)%	1.80%


Fixed Income	Principal Variable Contract Funds, Inc. PVC – Core Plus Bond Account Class 1	Principal Global Investors, LLC	0.50%	7.46%	(0.48)%	2.36%
International Equity	Principal Variable Contract Funds, Inc. PVC – Diversified International Account Class 1	Principal Global Investors, LLC	0.24%	12.46%	5.93%	7.51%
Large U.S. Equity	Principal Variable Contract Funds, Inc. PVC – Equity Income Account Class 1	Principal Global Investors, LLC	0.48%	15.50%	10.21%	11.51%
International Equity	Principal Variable Contract Funds, Inc. PVC – Global Emerging Markets Account Class 1	Principal Global Investors, LLC	1.12%	37.27%	5.06%	8.12%
Fixed Income	Principal Variable Contract Funds, Inc. PVC – Government & High-Quality Bond Account Class 1	Principal Global Investors, LLC	0.50%	7.91%	(0.23)%	1.26%
Large U.S. Equity	Principal Variable Contract Funds, Inc. PVC – Large Cap Growth Account I Class 1 1	Principal Global Investors, LLC/Los Angeles Capital Management Company, LLC T. Rowe Price Associates, Inc. Westfield Capital Management Company, L.P.	0.67%	11.39%	9.44%	15.00%
Large U.S. Equity	Principal Variable Contract Funds, Inc. PVC – Large Cap S&P 500 Index Account Class 1	Principal Global Investors, LLC	0.20%	17.62%	14.14%	14.52%
Small/Mid U.S. Equity	Principal Variable Contract Funds, Inc. PVC – MidCap Account Class 1	Principal Global Investors, LLC	0.53%	1.78%	8.33%	12.58%


Large U.S. Equity	Principal Variable Contract Funds, Inc. PVC – Principal Capital Appreciation Account Class 1	Principal Global Investors, LLC	0.63%	13.52%	13.82%	14.35%
Asset Allocation	Principal Variable Contract Funds, Inc. PVC – Principal LifeTime 2020 Account Class 1	Principal Global Investors, LLC	0.47%	11.33%	4.65%	6.77%
Asset Allocation	Principal Variable Contract Funds, Inc. PVC – Principal LifeTime 2030 Account Class 1	Principal Global Investors, LLC	0.50%	13.21%	5.91%	8.07%
Asset Allocation	Principal Variable Contract Funds, Inc. PVC – Principal LifeTime 2040 Account Class 1	Principal Global Investors, LLC	0.54%	15.57%	7.56%	9.35%
Asset Allocation	Principal Variable Contract Funds, Inc. PVC – Principal LifeTime 2050 Account Class 1	Principal Global Investors, LLC	0.58%	17.50%	8.77%	10.22%
Asset Allocation	Principal Variable Contract Funds, Inc. PVC – Principal LifeTime 2060 Account Class 1	Principal Global Investors, LLC	0.61%	17.68%	8.97%	10.35%
Asset Allocation	Principal Variable Contract Funds, Inc. PVC – Principal LifeTime Strategic Income Account Class 1	Principal Global Investors, LLC	0.48%	10.45%	3.48%	4.98%
Small/Mid U.S. Equity	Principal Variable Contract Funds, Inc. PVC – Real Estate Securities Account Class 1	Principal Global Investors, LLC/ Principal Real Estate Investors, LLC	0.78%	1.24%	4.88%	5.94%


Short - Term Fixed Income	Principal Variable Contract Funds, Inc. PVC – Short-Term Income Account Class 1	Principal Global Investors, LLC	0.42%	5.48%	2.33%	2.52%
Small/Mid U.S. Equity	Principal Variable Contract Funds, Inc. Principal Variable Contract Funds, Inc. PVC – SmallCap Account Class 1	Principal Global Investors, LLC	0.84%	15.10%	6.29%	9.57%
Asset Allocation	Principal Variable Contract Funds, Inc. PVC – Strategic Asset Management (SAM) – Balanced Portfolio Class 1	Principal Global Investors, LLC	0.68%	14.00%	7.27%	8.29%
Asset Allocation	Principal Variable Contract Funds, Inc. PVC – Strategic Asset Management (SAM) – Conservative Balanced Portfolio Class 1	Principal Global Investors, LLC	0.67%	11.69%	5.04%	6.39%
Asset Allocation	Principal Variable Contract Funds, Inc. PVC – Strategic Asset Management (SAM) – Conservative Growth Portfolio Class 1	Principal Global Investors, LLC	0.72%	15.56%	9.00%	9.94%
Asset Allocation	Principal Variable Contract Funds, Inc. PVC – Strategic Asset Management (SAM) – Flexible Income Portfolio Class 1	Principal Global Investors, LLC	0.64%	9.96%	3.57%	5.12%
Asset Allocation	Principal Variable Contract Funds, Inc. PVC – Strategic Asset Management (SAM) – Strategic Growth Portfolio Class 1	Principal Global Investors, LLC	0.75%	16.86%	10.16%	10.96%


International Equity	Putnam Variable Trust Putnam VT International Value Fund Class IB	Putnam Management, LLC (d/b/a Putnam Management)/ Franklin Advisers, Inc.	1.06%	37.68%	9.28%	8.12%
Large U.S. Equity	Putnam Variable Trust Putnam VT Large Cap Growth Fund Class IB	Putnam Management, LLC (d/b/a Putnam Management)/ Franklin Advisers, Inc.	0.88%	8.80%	6.18%	11.45%
Small/Mid U.S. Equity	Putnam Variable Trust Putnam VT Small Cap Growth Fund Class IB 1	Putnam Management, LLC (d/b/a Putnam Management)/ Franklin Advisers, Inc.	1.12%	8.80%	6.18%	11.45%
Small/Mid U.S. Equity	Putnam Variable Trust Putnam VT Small Cap Value Fund Class IB	Putnam Management, LLC (d/b/a Putnam Management)/ Franklin Advisers, Inc.	1.02%	5.27%	10.99%	9.13%
Other - Natural Resources	Rydex Variable Trust Basic Materials Fund Rydex VT 1	Security Investors, LLC (d/b/a Guggenheim Investments)	1.78%	32.89%	9.42%	11.58%
Other - Utilities	Rydex Variable Trust Utilities Fund Rydex VT 1	Security Investors, LLC (d/b/a Guggenheim Investments)	1.79%	17.07	8.56%	8.60%
Other - Health	T. Rowe Price Equity Series, Inc. Health Sciences Portfolio II Class	T. Rowe Price	1.11%	17.80%	3.86%	8.70%


Other - Natural Resources	VanEck Variable Insurance Products Trust VanEck VIP Global Resources Fund Initial Class	VanEck Associates Corporation	1.08%	36.48%	10.51%	8.33%
Balanced/Asset Allocation	Vanguard Variable Insurance Funds Vanguard VIF Balanced Portfolio	Wellington Management Company, LLP	0.20%	16.46%	9.29%	10.03%
Balanced/Asset Allocation	Vanguard Variable Insurance Funds Vanguard VIF Conservative Allocation Portfolio 3	The Vanguard Group, Inc.	0.12%	12.73%	4.22%	6.14%
Large U.S. Equity	Vanguard Variable Insurance Funds Vanguard VIF Equity Income Portfolio 3	The Vanguard Group, Inc.	0.29%	16.80%	12.59%	11.52%
Fixed Income	Vanguard Variable Insurance Funds Vanguard VIF Global Bond Index Portfolio	The Vanguard Group, Inc.	0.13%	5.69%	(0.41)%	N/A
Small/Mid U.S. Equity	Vanguard Variable Insurance Funds Vanguard VIF International Portfolio	Baillie Gifford Overseas, Ltd.â€¨Schroder Investment Management North America, Inc./ Schroder Investment Management North America, Ltd.	0.32%	19.97%	0.62%	10.48%
Small/Mid U.S. Equity	Vanguard Variable Insurance Funds Vanguard VIF Mid-Cap Index Portfolio	The Vanguard Group, Inc.	0.17%	11.54%	8.46%	10.77%
Asset Allocation	Vanguard Variable Insurance Funds Vanguard VIF Real Estate Index Portfolio	The Vanguard Group, Inc.	0.26%	3.11%	4.51%	5.08%

Temporary Fee Reductions, Current Expenses [Text Block]

Risk of Loss [Member]

You can lose money by investing in a Policy.

Not Short Term Investment Risk [Member]

Risk of Loss

Not a Short Term Investment

The Policy is not a short-term investment and is not appropriate for an investor that needs ready access to cash.

Withdrawals will reduce the value of your Policy and the death benefit may lead to adverse tax consequences.

Investment Options Risk [Member]

Risk of Loss

Not a Short Term Investment

Insurance Company Risk [Member]

An investment in the Policy is subject to the risk of poor investment performance and can vary depending on the performance of the investment options available under the Policy (e.g., the Underlying Funds). . Each investment option (including the Fixed Account) has its own unique risks. A comprehensive discussion of the risks of each Underlying Fund may be found in the Underlying Fund’s prospectus. You should review these investment options before making an investment decision.

Contract Lapse Risk [Member]

An investment in the Policy is subject to the risks related to the Company. Any obligations (including under the Fixed Accounts), guarantees, or benefits are subject to the claims-paying ability of the Company. More information about the Company, including its financial strength ratings, is available at https://investors.principal.com/investor-relations/our-business/credit-ratings/default.aspx.

Policy Termination (Lapse) Risk [Member]

When the Policy lapses, it terminates with no value and no longer provides any life insurance benefit upon the death of the Insured. Poor investment performance, partial surrenders, failure to pay sufficient premiums, and unpaid policy loans and loan interest will increase the risk of lapse. If your Policy lapses, you can only reinstate it under certain conditions, including making certain payments.

Limitations On Access To Surrender Value Risk [Member]

Policy Termination (Lapse)

Adverse Tax Consequences Risk [Member]

Limitations on Access to Surrender Value

Unscheduled Partial Surrenders

Scheduled Partial Surrenders

Full Surrender

The Policy may be surrendered while the Policy is in effect. There is no refund of any Monthly Policy Charges deducted before the full surrender effective date.

Risks of Underlying Funds [Member]

Adverse Tax Consequences

In certain employer-sponsored life insurance arrangements, participants may be required to report for income tax purposes, one or more of the following:

•the value each year of the life insurance protection provided;

•an amount equal to any employer-paid premiums; or

•some or all of the amount by which the current value exceeds the employer’s interest in the Policy.

There are other tax issues to consider when you own a life insurance policy. These are described in more detail in TAX ISSUES RELATED TO THE POLICY.

Underlying Funds Risk [Member]

Risks of Underlying Funds

each Underlying Fund may be found in the Underlying Fund's prospectus. As with all mutual funds, as the value of Underlying Fund's asset rise or fall, the fund's share price changes.

Potentially Harmful Transfer Activity [Member]

Risks of Underlying Funds

each Underlying Fund may be found in the Underlying Fund's prospectus. As with all mutual funds, as the value of Underlying Fund's asset rise or fall, the fund's share price changes.

Potentially Harmful Transfer Activity

Insurance Company Risks

Insurance Company Risks [Member]

Potentially Harmful Transfer Activity

Conflict Of Interest Risk [Member]

Insurance Company Risks

Risks Affecting Our Administration of Your Contract [Member]

Conflicts of Interest

Investment Professional Compensation

Compensation and Underlying Fund Selection

Compensation We Receive from Underlying Funds

Compensation We Receive from Underlying Fund Advisors

pay us any such compensation. The advisers' revenues from which such compensation is paid may be derived, in whole or in part, from advisory fees deducted from Underlying Fund assets.

Other Conflicts of Interest

Risks Affecting Our Administration of Your Contract

Our operations and/or the activities and operations of our service providers and business partners are subject to certain risks that may be beyond our control, including systems failures and operational disruptions caused by severe natural or man-made events (e.g., natural disasters, pandemics, cyberattacks). These risks are not unique to the Company and they could materially impact our ability to conduct business, safeguard your personal information, and administer the Policy (e.g., calculate Policy values or Unit Values, process Policy transactions). These events could also impact the issuers of the securities in which the Underlying Funds invest, which could cause your Policy to lose value.

The Company is highly dependent upon its computer systems and those of its business partners. This makes the Company potentially susceptible to operational and information security risks resulting from a cyber-attack or other cybersecurity incident. These risks include direct risks, such as theft, misuse, corruption and destruction maintained by the Company, and indirect risks, such as denial of service attacks on service provider websites and other operational disruptions that impede our ability to electronically interact with service providers. Cybersecurity threats, and methods and devices used to attack systems and networks, evolve constantly (for example, through the increased use of artificial intelligent ("AI") tools). Although we make substantial efforts to protect our computer systems from these security risks, including internal processes and technological defenses that are preventative or detective, and other controls designed to provide multiple layers of security assurance, there can be no guarantee that we, our service providers, or the Underlying Funds will be able to avoid adverse impacts from cybersecurity incidents including the types of impacts described above. If your Contract is adversely affected as a result of the failure of our cybersecurity controls, we will take reasonable steps to restore your Contract.

C000007612 [Member]

BNY Mellon Investment Adviser, Inc.

Newton Investment Management North America, LLC

C000007615 [Member]

BNY Mellon Investment Adviser, Inc.

Newton Investment Management North America, LLC

C000005027 [Member]

BNY Mellon Investment Adviser, Inc.

Newton Investment Management Limited

C000005036 [Member]

BNY Mellon Investment Adviser, Inc.

Fayez Sarofim & Co., LLC

C000030374 [Member]

Calvert Research and Management

Ameritas Investment Partners, Inc.

C000030372 [Member]

Calvert Research and Management

Ameritas Investment Partners, Inc.

C000077948 [Member]

DWS Investment Management Americas, Inc.

RREEF American L.L.C.

C000020970 [Member]

Fidelity Management & Research Company, LLC

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

C000020981 [Member]

Fidelity Management & Research Company, LLC

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

C000021009 [Member]

Fidelity Management & Research Company, LLC

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

C000199918 [Member]

Fidelity Management & Research Company, LLC

Geode

C000199920 [Member]

Fidelity Management & Research Company, LLC

Geode

C000199922 [Member]

Fidelity Management & Research Company, LLC

Geode

C000021045 [Member]

Fidelity Management & Research Company, LLC

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

C000243080 [Member]

Fidelity Management & Research Company, LLC

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

C000021082 [Member]

Fidelity Management & Research Company, LLC

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

C000048775 [Member]

Fidelity Management & Research Company, LLC

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

C000048812 [Member]

Fidelity Management & Research Company, LLC

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

C000020111 [Member]

Templeton Asset Management, Ltd.

Franklin Templeton Investment Management Limited

C000020114 [Member]

Templeton Asset Management, Ltd.

Franklin Templeton Investment Management Limited

C000047121 [Member]

Franklin Templeton Fund Adviser, LLC

ClearBridge Investments, LLC

C000047262 [Member]

Franklin Templeton Fund Adviser, LLC

ClearBridge Investments, LLC

C000247623 [Member]

Lincoln Financial Investments Corporation

American Century Investment Management, Inc.

C000087493 [Member]

Lincoln Financial Investments Corporation

American Century Investment Management, Inc.

C000086783 [Member]

Lincoln Financial Investments Corporation

American Century Investment Management, Inc.

C000247643 [Member]

Lincoln Financial Investments Corporation

American Century Investment Management, Inc.

C000247652 [Member]

Lincoln Financial Investments Corporation

American Century Investment Management, Inc./ American Century Investment Management, Inc.

C000097932 [Member]

Valmark Advisers, Inc.

Milliman Financial Risk Management, LLC

C000097937 [Member]

Valmark Advisers, Inc.

Milliman Financial Risk Management, LLC

C000097935 [Member]

Valmark Advisers, Inc.

Milliman Financial Risk Management, LLC

C000020930 [Member]

Principal Global Investors, LLC

Los Angeles Capital Management Company, LLC T. Rowe Price Associates, Inc. Westfield Capital Management Company, L.P.

C000020921 [Member]

Principal Global Investors, LLC

Principal Real Estate Investors, LLC

C000010852 [Member]

Putnam Management, LLC (d/b/a Putnam Management)

Franklin Advisers, Inc.

C000010842 [Member]

Putnam Management, LLC (d/b/a Putnam Management)

Franklin Advisers, Inc.

C000010862 [Member]

Putnam Management, LLC (d/b/a Putnam Management)

Franklin Advisers, Inc.

C000010872 [Member]

Putnam Management, LLC (d/b/a Putnam Management)

Franklin Advisers, Inc.

C000012159 [Member]

Baillie Gifford Overseas, Ltd.â€¨Schroder Investment Management North America, Inc.

Previously Offered [Member]

Schroder Investment Management North America, Ltd.

Sales Load, Description [Text Block]

Sales Charge(1)

Sales Load, When Deducted [Text Block]

upon receipt of premium

Sales Load (of Premium Payments), Maximum [Percent]

6.50%

Sales Load (of Premium Payments), Current [Percent]

6.50%

Premium Taxes, Description [Text Block]

Taxes (federal, state and local)

Premium Taxes, When Deducted [Text Block]

upon receipt of premium

Premium Taxes (of Premium Payments), Maximum [Percent]

3.25%

Premium Taxes (of Premium Payments), Current [Percent]

3.25%

Other Surrender Fees, Description [Text Block]

Transaction Fee for Unscheduled Partial Surrender

Other Surrender Fees, When Deducted [Text Block]

from each unscheduled partial surrender after the second unscheduled partial surrender in a Policy Year

Other Surrender Fees, Maximum [Dollars]

$ 25

Other Surrender Fees, Current [Dollars]

$ 25

Other Surrender Fees (of Other Amount), Maximum [Percent]

2.00%

Other Surrender Fees (of Other Amount), Current [Percent]

2.00%

Transfer Fees, Description [Text Block]

Transfer Fee for Unscheduled Division Transfer(3)

Transfer Fees, When Deducted [Text Block]

upon each unscheduled Division transfer after the first unscheduled Division transfer in a Policy Month

Transfer Fee, Maximum [Dollars]

$ 25

Transfer Fee, Current [Dollars]

$ 0

Insurance Cost, Description [Text Block]

Cost of Insurance(1)

Insurance Cost, When Deducted [Text Block]

monthly

Insurance Cost, Representative Investor [Text Block]

Maximum Charge for Representative Insured(2)

Insurance Cost, Maximum [Dollars]

$ 83.33

Insurance Cost, Minimum [Dollars]

$ 0.00167

Offered Ending [Date]

Dec. 15, 2021

Life Paid-Up (Overloan Protection) [Member]

Other Transaction Fee, Description [Text Block]

Life Paid-Up Rider

Other Transaction Fee, When Deducted [Text Block]

on the date rider benefit begins

Life Paid-Up (Overloan Protection)

Under certain circumstances, guarantees the Policy will not lapse when there is large Loan Indebtedness by converting the Policy to paid-up life insurance,

true

Once the benefit begins, certain limitations and restrictions are imposed on the Policy. Consult your tax advisor regarding this rider.

Life Paid-Up (Overloan Protection)

Life Paid-Up (Overloan Protection) [Member] | Previously Offered [Member]

Life Paid-Up Rider (Overloan Protection)

•the Policy is not a Modified Endowment Contract on the Policy Date;

•no current or future distribution will be required to maintain qualification as life insurance under Section 7702 of the Internal Revenue Code, as amended;

• the Loan Indebtedness must be at least the following percentages of the Surrender Value:

•92% current (92% guaranteed) for the guideline premium test; or

•90% current (86% guaranteed) for the cash value accumulation test.

• there is sufficient Net Surrender Value to cover the one-time rider charge;

• the Policy must have been in force for at least 15 Policy Years;

•Insured is Attained Age 75; and

• total partial surrenders must equal or exceed total premiums paid.

Once the rider benefit begins:

• The Total Face Amount is reduced to equal the Policy Value after the rider charge multiplied by 105%.

• All values in the Divisions are immediately transferred to the Fixed Account where they will earn interest.

• No further Monthly Policy Charges are deducted for the remaining paid-up death benefit.

• No new premium payments, face amount Adjustments, or partial surrenders are allowed.

• If death benefit option 2 or 3 is in effect, your death benefit option will change to death benefit option 1 and you may no longer change the death benefit option.

• Your Loan Indebtedness remains and interest will continue to accrue on the Loan Indebtedness. However, loan payments can be submitted.

• All optional riders will automatically be terminated.

The Internal Revenue Service has not taken a position on the Life Paid-Up rider. You should consult your tax advisor regarding this rider.

Other Transaction Fee, Description [Text Block]

Life Paid-Up Rider

Other Transaction Fee, When Deducted [Text Block]

on the date rider benefit begins

Life Paid-Up Issued With Guideline Premium Cash Value Corridor Test [Member]

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

5.50%

7.50%

Life Paid-Up Issued With Guideline Premium Cash Value Corridor Test [Member] | Previously Offered [Member]

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

5.50%

7.50%

Life Paid-Up Issued With Cash Value Accumulation Test [Member]

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

7.50%

13.50%

Life Paid-Up Issued With Cash Value Accumulation Test [Member] | Previously Offered [Member]

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

9.50%

13.50%

Asset Based Charge [Member]

Asset Based Charge

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

monthly

0.35%

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

0.35%

Asset Based Charge [Member] | Previously Offered [Member]

Asset Based Charge

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

monthly

0.35%

Asset Based Charge Year One To Five [Member] | Previously Offered [Member]

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

0.35%

Asset Based Charge Year Six To Fifteen [Member] | Previously Offered [Member]

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

0.30%

Asset Based Charge After Year Fifteen [Member] | Previously Offered [Member]

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

0.25%

Monthly Policy Issue Charge [Member]

Monthly Policy Issue Charge (except as noted below)(1)

monthly

Maximum Charge for Representative Insured(2)

$ 1.08418

Other Annual Expense, Footnotes [Text Block]

$ 0.05467

Current charges reflect the charges in effect as of the date of this prospectus for a Representative Insured, which is a 45 year-old male in with a risk classification of preferred non-tobacco for Policy Year one.

Monthly Policy Issue Charge [Member] | Previously Offered [Member]

Monthly Policy Issue Charge (except as noted below)(1)

monthly

Maximum Charge for Representative Insured(2)

$ 0.67709

Monthly Policy Issue Charge, Supplemental Benefit Rider [Member]

$ 0.02667

Monthly Policy Issue Charge, for Policies with the Supplemental Benefit Rider(1)

Maximum Charge for Representative Insured(2)

$ 1.08418

Other Annual Expense, Footnotes [Text Block]

$ 0.00547

This charge varies based on individual characteristics, within the minimum and maximum shown. As a result, the current charge shown in the table may not be representative of the charge that you will pay. To obtain more information about the charge that would apply to you, contact your registered representative or call 1-800-247-9988 and request personalized illustrations.Current charges reflect the charges in effect as of the date of this prospectus for a Representative Insured, which is a 45 year-old male in with a risk classification of preferred non-tobacco for Policy Year one.

Monthly Policy Issue Charge, Supplemental Benefit Rider [Member] | Previously Offered [Member]

Monthly Policy Issue Charge, for Policies with the Supplemental Benefit Rider(1)

Maximum Charge for Representative Insured(2)

$ 0.67709

Net Policy Loan Charge( [Member]

$ 0.02667

Net Policy Loan Charge(3)

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

annually (accrued daily)

1.00%

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

1.00%

Other Annual Expense, Footnotes [Text Block]

The difference between the interest charged on the Loan Indebtedness and the interest credited to the Loan Account. This charge decreases after Policy Year ten

Net Policy Loan Charge( [Member] | Previously Offered [Member]

Net Policy Loan Charge(3)

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

annually (accrued daily)

1.00%

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

1.00%

Supplemental Benefit Rider [Member]

Optional Benefit Charge, Description [Text Block]

Supplemental Benefit Rider (Cost of Supplemental Insurance)(1)

Optional Benefit Charge, When Deducted [Text Block]

monthly

Optional Benefit Charge, Representative [Text Block]

Maximum Charge for Representative Insured(2)

Optional Benefit Expense, Maximum [Dollars]

$ 83.33333

Optional Benefit Expense, Minimum [Dollars]

$ 0.00062

Optional Benefit Expense, Footnotes [Text Block]

Supplemental Benefit Rider

Provides additional insurance (Total Face Amount) at a reduced cost,

true

Our approval, under our then current underwriting guidelines, is required to add this rider. The supplemental cost of insurance rate applies.

Supplemental Benefit Rider

Supplemental Benefit Rider [Member] | Previously Offered [Member]

Supplemental Benefit Rider

This rider provides additional insurance (Total Face Amount) at a reduced cost. Our approval, under our then current underwriting guidelines, is required to add this rider.

Optional Benefit Charge, Description [Text Block]

Supplemental Benefit Rider (Cost of Supplemental Insurance)(1)

Optional Benefit Charge, When Deducted [Text Block]

monthly

Optional Benefit Charge, Representative [Text Block]

Maximum Charge for Representative Insured(2)

Optional Benefit Expense, Maximum [Dollars]

$ 83.33

Optional Benefit Expense, Minimum [Dollars]

$ 0.0006

Maximum Charge for Representative Insured [Member] | Previously Offered [Member]

Insurance Cost, Representative Investor [Text Block]

Maximum Charge for Representative Insured(2)

Change Of Insured [Member]

Change of Insured

Allows the business to change the Insured when an employee leaves employment or ownership of the business changes.

true

Available on business cases only.

Change of Insured

Death Benefit Guarantee [Member]

Change of Insured Rider

There is no charge for this rider.

Death Benefit Guarantee

Guarantees the Policy will not lapse before the Insured attains age 85 if premiums paid equal or exceed the Death Benefit Guarantee Premium requirement.

Standard Benefit [Flag]

true

If the rider terminates, it may not be reinstated.

Death Benefit Guarantee

Enhanced Cash Surrender Value Rider [Member]

Death Benefit Guarantee Rider

This rider is automatically made a part of the Policy at issue. There is no charge for this rider; however, sufficient premiums are required in order for the rider benefits to apply.

Enhanced Cash Surrender Value Rider

If you surrender a Policy in full, we will pay an amount in addition to the Net Policy Value.

true

Underwriting guidelines and plan premium levels determine availability to select the enhanced cash surrender options. Contact your registered representative for more information.

Enhanced Cash Surrender Value Rider

Enhanced Cash Surrender Value Rider

replacement or an exchange under Section 1035 of the Internal Revenue Code, or with the exercise of your right to return the Policy pursuant to the examination offer (Free-Look) provision.

The Enhanced Cash Surrender Value Rider benefit is equal to the applicable additional amount shown in the table, multiplied by the enhancement factor.


Policy Year of Surrender			Additional Amount
1			8.15% of premium received since issue less partial surrenders
2			9.50% of premium received since issue less partial surrenders
3			9.40% of premium received since issue less partial surrenders
4			9.00% of premium received since issue less partial surrenders
5			8.40% of premium received since issue less partial surrenders
6			7.50% of premium received since issue less partial surrenders
7			6.50% of premium received since issue less partial surrenders
8			5.50% of premium received since issue less partial surrenders
9			4.75% of premium received since issue less partial surrenders
10			4.00% of premium received since issue less partial surrenders
11			3.00% of premium received since issue less partial surrenders
12			2.00% of premium received since issue less partial surrenders
13			0.90% of premium received since issue less partial surrenders
14+			0.00% of premium received since issue less partial surrenders

C000217559 [Member]

Principal Variable Contract Funds, Inc.

PVC – Short-Term Income Account

Class 1

Short - Term Fixed Income

Principal Global Investors, LLC

0.42%

5.48%

2.33%

C000217559 [Member] | C000028838 [Member]

2.52%

AB Variable Products Series Fund, Inc.

Discovery Value Portfolio

Class A

Small/Mid U.S. Equity

Alliance

Bernstein L.P.

0.82%

2.89%

8.75%

C000217559 [Member] | C000028828 [Member]

8.55%

AB Variable Products Series Fund, Inc.

International Value Portfolio

Class A 1

International Equity

Alliance

Bernstein L.P.

0.90%

41.70%

10.47%

C000217559 [Member] | C000028836 [Member]

6.64%

AB Variable Products Series Fund, Inc.

Small Cap Growth Portfolio

Class A 1,2

Small/Mid U.S. Equity

Alliance Bernstein L.P.

0.90%

4.80%

(0.44%)

C000217559 [Member] | C000028860 [Member]

11.26%

AB Variable Products Series Fund, Inc.

Sustainable Global Thematic Portfolio

Class A 1

International Equity

Alliance Bernstein L.P.

0.94%

6.32%

3.28%

C000217559 [Member] | C000099202 [Member]

10.08%

American Funds Insurance Series®

American Funds ® Global Balanced Fund

Class 2 1

Asset Allocation

Capital Research and Management Company

0.76%

17.14%

6.11%

C000217559 [Member] | C000037828 [Member]

7.69%

American Funds Insurance Series®

Capital World Bond Fund ®

Class 2

Fixed Income

Capital Research and Management Company

0.73%

9.39%

(2.50%)

C000217559 [Member] | C000023915 [Member]

1.23%

American Funds Insurance Series®

SMALLCAP World Fund

Class 2 1,12

International Equity

Capital Research and Management Company

0.90%

14.64%

0.49%

C000217559 [Member] | C000023917 [Member]

7.23%

American Funds Insurance Series®

Growth Fund

Class 2

Large U.S. Equity

Capital Research and Management Company

0.53%

18.06%

13.90%

C000217559 [Member] | C000023920 [Member]

13.92%

American Funds Insurance Series®

EUPAC Fund

Class 2 1,13

International Equity

Capital Research and Management Company

0.72%

26.77%

3.40%

C000217559 [Member] | C000023923 [Member]

7.00%

American Funds Insurance Series®

New World Fund ®

Class 2 1

International Equity

Capital Research and Management Company

0.82%

28.29%

5.33%

C000217559 [Member] | C000023925 [Member]

9.25%

American Funds Insurance Series®

Washington Mutual Investors Fund

Class 2 1

Large U.S. Equity

Capital Research and Management Company

0.50%

17.21%

13.89%

C000217559 [Member] | C000007612 [Member]

12.36%

BNY Mellon Investment Portfolios

MidCap Stock Portfolio

Service Shares 1

Small/Mid U.S. Equity

1.05%

9.81%

9.39%

C000217559 [Member] | C000007615 [Member]

8.51%

BNY Mellon Investment Portfolios

Technology Growth Portfolio

Service Shares

Other - Technology

1.07%

27.87%

8.96%

C000217559 [Member] | C000005027 [Member]

16.97%

BNY Mellon Sustainable U.S. Equity Portfolio, Inc.

Service Shares

Large U.S. Equity

0.91%

15.67%

11.65%

C000217559 [Member] | C000005036 [Member]

13.27%

BNY Mellon Variable Investment Fund

Appreciation Portfolio

Service Shares

Large U.S. Equity

1.10%

9.78%

9.08%

C000217559 [Member] | C000055530 [Member]

12.63%

Calvert Variable Trust, Inc.

CVT EAFE International Index Portfolio

Class F 1

International Equity

Calvert Research and Management

0.68%

30.64%

8.31%

C000217559 [Member] | C000030374 [Member]

7.63%

Calvert Variable Trust, Inc.

CVT Investment Grade Bond Index Portfolio

Class I 1

Fixed Income

0.32%

6.90%

(0.44%)

C000217559 [Member] | C000030372 [Member]

1.87%

Calvert Variable Trust, Inc.

CVT Russell 2000 Small Cap Index Portfolio

Class F 1

Small/Mid U.S. Equity

0.60%

12.23%

5.62%

C000217559 [Member] | C000024404 [Member]

9.08%

Columbia Funds Variable Insurance Trust

Acorn International Fund 1,5

International Equity

Columbia Wanger Asset Management, LLC

1.09%

12.76%

(1.00%)

C000217559 [Member] | C000077948 [Member]

4.31%

Deutsche DWS Variable Series II

DWS Alternative Asset Allocation VIP

Class B

Other - Multinarrative

1.31%

10.03%

4.88%

C000217559 [Member] | C000017231 [Member]

4.52%

Deutsche DWS Variable Series II

DWS Small Mid Cap Value VIP

Class B

Small/Mid U.S. Equity

DWS Investment Management Americas, Inc.

1.17%

17.85%

9.27%

C000217559 [Member] | C000020970 [Member]

7.17%

Fidelity® Variable Insurance Products Trust I

Fidelity® VIP Equity-Income Portfolio SM

Service Class 2

Large U.S. Equity

0.71%

18.75%

12.23%

C000217559 [Member] | C000020981 [Member]

11.23%

Fidelity® Variable Insurance Products Trust I

Fidelity® VIP High Income Portfolio

Service Class 2

Fixed Income

0.96%

10.36%

4.22%

C000217559 [Member] | C000021009 [Member]

5.59%

Fidelity® Variable Insurance Products Trust II

Fidelity® VIP Contrafund SM Portfolio

Service Class 2

Large U.S. Equity

0.79%

21.24%

15.08%

C000217559 [Member] | C000199918 [Member]

15.49%

Fidelity® Variable Insurance Products Trust II

Fidelity® VIP Extended Market Index Portfolio

Service Class 2

Small/Mid U.S. Equity

0.37%

12.03%

C000217559 [Member] | C000199920 [Member]

7.75%

Fidelity® Variable Insurance Products Trust II

Fidelity® VIP International Index Portfolio

Service Class 2

International Equity

0.41%

32.82%

7.76%

C000217559 [Member] | C000199922 [Member]

6.79%

Fidelity® Variable Insurance Products Trust II

Fidelity® VIP Total Market Index Portfolio

Service Class 2

Asset Allocation

0.36%

16.86%

C000217559 [Member] | C000021045 [Member]

12.86%

Fidelity® Variable Insurance Products Trust III

Fidelity® VIP Mid Cap Portfolio

Service Class 2

Small/Mid U.S. Equity

0.80%

11.49%

9.83%

C000217559 [Member] | C000243080 [Member]

10.31%

Fidelity® Variable Insurance Products Trust IV

Fidelity® VIP Consumer Staples Portfolio

Service Class 2

Other - Consumer Defensive

0.86%

C000217559 [Member] | C000021082 [Member]

6.54%

Fidelity® Variable Insurance Products Trust IV

Fidelity® VIP Energy Portfolio

Service Class 2

Other - Equity Energy

0.85%

10.34%

23.86%

C000217559 [Member] | C000048775 [Member]

7.69%

Fidelity® Variable Insurance Products Trust V

Fidelity® VIP Government Money Market Portfolio

Service Class

Money Market

0.35%

4.03%

3.02%

C000217559 [Member] | C000048812 [Member]

0.35%

Fidelity® Variable Insurance Products Trust V

Fidelity® VIP Strategic Income Portfolio

Service Class 2

Fixed Income

0.88%

8.58%

2.79%

C000217559 [Member] | C000020130 [Member]

4.40%

Franklin Templeton Variable Insurance Product Trust

Franklin Income VIP Fund

Class 2

Balanced/Asset Allocation

Franklin Advisers, Inc.

0.72%

12.56%

7.66%

C000217559 [Member] | C000020107 [Member]

7.30%

Franklin Templeton Variable Insurance Product Trust

Franklin Mutual Global Discovery VIP Fund

Class 2

International Equity

Franklin Mutual Advisers, LLC

1.16%

23.34%

12.00%

C000217559 [Member] | C000020109 [Member]

8.52%

Franklin Templeton Variable Insurance Product Trust

Franklin Mutual Shares VIP Fund

Class 2

Large U.S. Equity

Franklin Mutual Advisers, LLC

0.94%

11.52%

9.20%

C000217559 [Member] | C000020095 [Member]

7.53%

Franklin Templeton Variable Insurance Product Trust

Franklin Rising Dividends VIP Fund

Class 2

Large U.S. Equity

Franklin Advisers, Inc.

0.89%

11.80%

9.50%

C000217559 [Member] | C000020099 [Member]

12.10%

Franklin Templeton Variable Insurance Product Trust

Franklin Small Cap Value VIP Fund

Class 2 1

Small/Mid U.S. Equity

Franklin Mutual Advisers, LLC

0.91%

7.65%

8.86%

C000217559 [Member] | C000020101 [Member]

9.81%

Franklin Templeton Variable Insurance Product Trust

Franklin Strategic Income VIP Fund

Class 2 1

Fixed Income

Franklin Advisers, Inc.

1.07%

7.24%

1.92%

C000217559 [Member] | C000020103 [Member]

3.10%

Franklin Templeton Variable Insurance Product Trust

Franklin U.S. Government Securities VIP Fund

Class 2

Fixed Income

Franklin Advisers, Inc.

0.79%

6.69%

0.02%

C000217559 [Member] | C000020111 [Member]

1.14%

Franklin Templeton Variable Insurance Product Trust

Templeton Developing Markets VIP Fund

Class 2

International Equity

1.37%

46.27%

5.46%

C000217559 [Member] | C000020114 [Member]

10.40%

Franklin Templeton Variable Insurance Product Trust

Templeton Foreign VIP Fund

Class 2 1

International Equity

1.08%

29.19%

8.25%

C000217559 [Member] | C000020121 [Member]

5.75%

Franklin Templeton Variable Insurance Product Trust

Templeton Global Bond VIP Fund

Class 2 1

Fixed Income

Templeton Asset Management, Ltd.

0.75%

15.73%

(0.96%)

C000217559 [Member] | C000084678 [Member]

(0.15%)

Invesco Variable Insurance Funds

Invesco V.I. American Franchise Fund

Series II

Large U.S. Equity

Invesco Advisers, Inc.

1.10%

11.39%

10.08%

C000217559 [Member] | C000084659 [Member]

14.58%

Invesco Variable Insurance Funds

Invesco V.I. American Value Fund

Series I

Small/Mid U.S. Equity

Invesco Advisers, Inc.

0.89%

21.00%

17.85%

C000217559 [Member] | C000000453 [Member]

12.29%

Invesco Variable Insurance Funds

Invesco V.I. Core Equity Fund

Series II

Large U.S. Equity

Invesco Advisers, Inc.

1.05%

15.88%

12.52%

C000217559 [Member] | C000209364 [Member]

11.46%

Invesco Variable Insurance Funds

Invesco V.I. Discovery Mid Cap Growth Fund

Series I

Small/Mid U.S. Equity

Invesco Advisers, Inc.

0.86%

4.79%

3.90%

C000217559 [Member] | C000000410 [Member]

11.38%

Invesco Variable Insurance Funds

Invesco V.I. EQV International Equity Fund

Series I

International Equity

Invesco Advisers, Inc.

0.90%

16.50%

3.68%

C000217559 [Member] | C000000420 [Member]

6.22%

Invesco Variable Insurance Funds

Invesco V.I. Global Real Estate Fund

Series I

Other - Global Real Estate

Invesco Advisers, Inc.

1.02%

7.85%

1.73%

C000217559 [Member] | C000000432 [Member]

2.44%

Invesco Variable Insurance Funds

Invesco V.I. Health Care Fund

Series I

Other - Health

Invesco Advisers, Inc.

0.99%

15.33%

3.80%

C000217559 [Member] | C000000415 [Member]

6.58%

Invesco Variable Insurance Funds

Invesco V.I. Main Street Mid Cap Fund

Series II

Small/Mid U.S. Equity

Invesco Advisers, Inc.

1.19%

8.96%

8.83%

C000217559 [Member] | C000209375 [Member]

9.08%

Invesco Variable Insurance Funds

Invesco V.I. Main Street Small Cap Fund®

Series II

Small/Mid U.S. Equity

Invesco Advisers, Inc.

1.09%

8.44%

8.07%

C000217559 [Member] | C000000422 [Member]

10.31%

Invesco Variable Insurance Funds

Invesco V.I. Small Cap Equity Fund

Series I

Small/Mid U.S. Equity

Invesco Advisers, Inc.

0.96%

8.05%

7.32%

C000217559 [Member] | C000233310 [Member]

9.55%

Janus Aspen Series Trust

Janus Henderson Global Sustainable Equity Portfolio

Service Shares 1

International Equity

Janus Henderson Investors US LLC

0.99%

C000217559 [Member] | C000028716 [Member]

17.26%

Janus Aspen Series Trust

Janus Henderson Balanced Portfolio

Service Shares

Balanced/Asset Allocation

Janus Henderson Investors US LLC

0.87%

14.82%

8.21%

C000217559 [Member] | C000028720 [Member]

9.86%

Janus Aspen Series Trust

Janus Henderson Enterprise Portfolio

Service Shares

Small/Mid U.S. Equity

Janus Henderson Investors US LLC

0.97%

7.41%

7.35%

C000217559 [Member] | C000028733 [Member]

12.51%

Janus Aspen Series Trust

Janus Henderson Flexible Bond Portfolio

Service Shares 1

Fixed Income

Janus Henderson Investors US LLC

0.82%

7.22%

(0.47%)

C000217559 [Member] | C000028736 [Member]

2.07%

Janus Aspen Series Trust

Janus Henderson Forty Portfolio

Service Shares

Large U.S. Equity

Janus Henderson Investors US LLC

0.87%

17.86%

11.37%

C000217559 [Member] | C000028728 [Member]

15.96%

Janus Aspen Series Trust

Janus Henderson Global Research Portfolio

Service Shares

International Equity

Janus Henderson Investors US LLC

1.07%

20.60%

12.23%

C000217559 [Member] | C000028740 [Member]

12.64%

Janus Aspen Series Trust

Janus Henderson Global Technology and Innovation Portfolio

Service Shares

Other - Technology

Janus Henderson Investors US LLC

0.97%

24.84%

13.44%

C000217559 [Member] | C000047121 [Member]

21.18%

Legg Mason Partners Variable Income Trust

ClearBridge Variable Mid Cap Portfolio

Class I

Small/Mid U.S. Equity

0.82%

4.35%

4.50%

C000217559 [Member] | C000047262 [Member]

7.50%

Legg Mason Partners Variable Income Trust

ClearBridge Variable Small Cap Growth Portfolio

Class I

Small/Mid U.S. Equity

0.81%

9.23%

(0.20%)

C000217559 [Member] | C000247623 [Member]

9.38%

Lincoln Variable Insurance Products Trust

LVIP American Century Capital Appreciation Fund

Service Class

Small/Mid U.S. Equity

0.62%

6.56%

5.02%

C000217559 [Member] | C000087493 [Member]

11.31%

Lincoln Variable Insurance Products Trust

LVIP Avantis Large Cap Value Fund

Service Class 9

Large U.S. Equity

0.96%

14.56%

8.51%

C000217559 [Member] | C000086783 [Member]

10.12%

Lincoln Variable Insurance Products Trust

LVIP American Century Inflation Protection Fund

Service Class

Inflation - Protected Bond

0.72%

6.33%

0.62%

C000217559 [Member] | C000247643 [Member]

2.61%

Lincoln Variable Insurance Products Trust

LVIP American Century International Fund

Service Class

International Equity

0.95%

15.81%

1.71%

C000217559 [Member] | C000247652 [Member]

6.27%

Lincoln Variable Insurance Products Trust

LVIP American Century Mid Cap Value Fund

Service Class

Small/Mid U.S. Equity

1.01%

8.83%

8.72%

C000217559 [Member] | C00000000 [Member]

8.96%

Lincoln Variable Insurance Products Trust

LVIP American Century Value Fund

Service Class

Large U.S. Equity

Lincoln Financial Investments Corporation

American Century Investment Management, Inc.

0.86%

15.85%

11.47%

C000217559 [Member] | C000087850 [Member]

10.07%

Lord Abbett Series Fund, Inc.

Developing Growth Portfolio

Class VC 1

Small/Mid U.S. Equity

Lord Abbett

1.27%

14.59%

(1.17%)

C000217559 [Member] | C000007319 [Member]

11.03%

MFS® Variable Insurance Trust

MFS® Global Equity Series

Service Class 1

International Equity

Massachusetts Financial Services Company

1.18%

13.28%

5.45%

C000217559 [Member] | C000007317 [Member]

8.64%

MFS® Variable Insurance Trust

MFS® Growth Series

Service Class 1

Large U.S. Equity

Massachusetts Financial Services Company

0.98%

11.90%

10.82%

C000217559 [Member] | C000007330 [Member]

15.31%

MFS® Variable Insurance Trust

MFS® New Discovery Series

Service Class 1

Small/Mid U.S. Equity

Massachusetts Financial Services Company

1.12%

12.56%

(0.54%)

C000217559 [Member] | C000007311 [Member]

10.46%

MFS® Variable Insurance Trust

MFS® Total Return Series

Service Class 1

Balanced/Asset Allocation

Massachusetts Financial Services Company

0.86%

10.91%

6.16%

C000217559 [Member] | C000007313 [Member]

7.36%

MFS® Variable Insurance Trust

MFS® Utilities Series

Service Class 1

Other - Utilities

Massachusetts Financial Services Company

1.03%

14.76%

7.38%

C000217559 [Member] | C000007315 [Member]

9.22%

MFS® Variable Insurance Trust

MFS® Value Series

Service Class 1

Large U.S. Equity

Massachusetts Financial Services Company

0.94%

12.77%

7.38%

C000217559 [Member] | C000021906 [Member]

9.22%

MFS® Variable Insurance Trust III

MFS® Blended Research Small Cap Equity Portfolio

Service Class 1

Small/Mid U.S. Equity

Massachusetts Financial Services Company

0.83%

5.49%

6.62%

C000217559 [Member] | C000007246 [Member]

8.82%

MFS® Variable Insurance Trust II

MFS® International Intrinsic Equity Portfolio

Service Class 1,8

International Equity

Massachusetts Financial Services Company

1.14%

32.96%

7.02%

C000217559 [Member] | C000007262 [Member]

9.68%

MFS® Variable Insurance Trust II

MFS® Research International Portfolio

Service Class 1

International Equity

Massachusetts Financial Services Company

1.15%

21.75%

5.25%

C000217559 [Member] | C000068455 [Member]

7.27%

MFS® Variable Insurance Trust III

MFS® Inflation-Adjusted Bond Portfolio

Service Class 1

Fixed Income

Massachusetts Financial Services Company

0.85%

8.17%

(3.35%)

C000217559 [Member] | C000052150 [Member]

0.84%

MFS® Variable Insurance Trust III

MFS® Mid Cap Value Portfolio

Service Class 1

Small/Mid U.S. Equity

Massachusetts Financial Services Company

1.04%

5.75%

9.90%

C000217559 [Member] | C000068447 [Member]

9.69%

MFS® Variable Insurance Trust III

MFS® New Discovery Value Portfolio

Service Class 1

Small/Mid U.S. Equity

Massachusetts Financial Services Company

1.13%

2.88%

8.22%

C000217559 [Member] | C000022324 [Member]

10.30%

Neuberger Berman Advisers Management Trust

Mid Cap Growth Portfolio

Class S 1

Small/Mid U.S. Equity

Neuberger Berman Investment Advisers, LLC

1.11%

5.23%

4.27%

C000217559 [Member] | C000022328 [Member]

10.71%

Neuberger Berman Advisers Management Trust

Quality Equity Portfolio

Class I 6

Large U.S. Equity

Neuberger Berman Investment Advisers, LLC

0.87%

13.74%

12.83%

C000217559 [Member] | C000006666 [Member]

12.94%

Nomura Funds

Ivy Variable Insurance Portfolios/Nomura VIP Small Cap Value Series

Service Class 1,7

Small/Mid U.S. Equity

Delaware Management Company, a series of Nomura Investment Management Business Trust

1.04%

7.83%

8.93%

C000217559 [Member] | C000097932 [Member]

8.84%

Northern Lights Variable Trust

TOPS TM Managed Risk Balanced ETF Portfolio

Class 2

Asset Allocation

0.76%

9.03%

3.83%

C000217559 [Member] | C000097937 [Member]

4.92%

Northern Lights Variable Trust

TOPS TM Managed Risk Moderately Aggressive ETF Portfolio

Class 2 10

Asset Allocation

0.75%

11.65%

5.36%

C000217559 [Member] | C000097935 [Member]

6.13%

Northern Lights Variable Trust

TOPS TM Managed Risk Moderate ETF Portfolio

Class 2 11

Asset Allocation

0.75%

10.36%

4.74%

C000217559 [Member] | C000026478 [Member]

5.72%

PIMCO Variable Insurance Trust

PIMCO All Asset Portfolio

Administrative Class 1

Balanced/Asset Allocation

Pacific Investment Management Company, LLC

2.13%

14.20%

5.60%

C000217559 [Member] | C000026493 [Member]

6.77%

PIMCO Variable Insurance Trust

PIMCO CommodityRealReturn®Strategy Portfolio

Administrative Class

Other - Commodities

Pacific Investment Management Company, LLC

0.86%

18.79%

10.55%

C000217559 [Member] | C000026494 [Member]

6.54%

PIMCO Variable Insurance Trust

PIMCO Emerging Markets Bond Portfolio

Administrative Class

Fixed Income

Pacific Investment Management Company, LLC

1.17%

14.98%

2.44%

C000217559 [Member] | C000026498 [Member]

5.06%

PIMCO Variable Insurance Trust

PIMCO High Yield Portfolio

Administrative Class

Fixed Income

Pacific Investment Management Company, LLC

0.81%

8.95%

3.97%

C000217559 [Member] | C000028252 [Member]

5.57%

PIMCO Variable Insurance Trust

PIMCO International Bond Portfolio (U.S. Dollar-Hedged)

Administrative Class 4

Global Bond - USD Hedged

Pacific Investment Management Company, LLC

1.09%

3.95%

1.03%

C000217559 [Member] | C000026500 [Member]

2.88%

PIMCO Variable Insurance Trust

PIMCO Long-Term U.S. Government Portfolio

Administrative Class

Fixed Income

Pacific Investment Management Company, LLC

2.48%

6.15%

(6.82%)

C000217559 [Member] | C000026502 [Member]

0.01%

PIMCO Variable Insurance Trust

PIMCO Low Duration Portfolio

Administrative Class

Short-Term Fixed Income

Pacific Investment Management Company, LLC

0.66%

5.52%

1.57%

C000217559 [Member] | C000026482 [Member]

1.79%

PIMCO Variable Insurance Trust

PIMCO Real Return Portfolio

Administrative Class

Fixed Income

Pacific Investment Management Company, LLC

1.39%

7.85%

1.21%

C000217559 [Member] | C000026484 [Member]

3.21%

PIMCO Variable Insurance Trust

PIMCO Short-Term Portfolio

Administrative Class

Short-Term Fixed Income

Pacific Investment Management Company, LLC

0.65%

4.67%

3.25%

C000217559 [Member] | C000026489 [Member]

2.76%

PIMCO Variable Insurance Trust

PIMCO Total Return Portfolio

Administrative Class

Fixed Income

Pacific Investment Management Company, LLC

0.73%

8.89%

0.02%

C000217559 [Member] | C000112990 [Member]

2.36%

Principal Variable Contract Funds, Inc.

PVC – Bond Market Index Account

Class 1

Fixed Income

Principal Global Investors, LLC

0.15%

7.16%

(0.52%)

C000217559 [Member] | C000020925 [Member]

1.80%

Principal Variable Contract Funds, Inc.

PVC – Core Plus Bond Account

Class 1

Fixed Income

Principal Global Investors, LLC

0.50%

7.46%

(0.48%)

C000217559 [Member] | C000020929 [Member]

2.36%

Principal Variable Contract Funds, Inc.

PVC – Diversified International Account

Class 1

International Equity

Principal Global Investors, LLC

0.24%

12.46%

5.93%

C000217559 [Member] | C000038528 [Member]

7.51%

Principal Variable Contract Funds, Inc.

PVC – Equity Income Account

Class 1

Large U.S. Equity

Principal Global Investors, LLC

0.48%

15.50%

10.21%

C000217559 [Member] | C000020904 [Member]

11.51%

Principal Variable Contract Funds, Inc.

PVC – Global Emerging Markets Account

Class 1

International Equity

Principal Global Investors, LLC

1.12%

37.27%

5.06%

C000217559 [Member] | C000020932 [Member]

8.12%

Principal Variable Contract Funds, Inc.

PVC – Government & High-Quality Bond Account

Class 1

Fixed Income

Principal Global Investors, LLC

0.50%

7.91%

(0.23%)

C000217559 [Member] | C000020930 [Member]

1.26%

Principal Variable Contract Funds, Inc.

PVC – Large Cap Growth Account I

Class 1 1

Large U.S. Equity

0.67%

11.39%

9.44%

C000217559 [Member] | C000020908 [Member]

15.00%

Principal Variable Contract Funds, Inc.

PVC – Large Cap S&P 500 Index Account

Class 1

Large U.S. Equity

Principal Global Investors, LLC

0.20%

17.62%

14.14%

C000217559 [Member] | C000020910 [Member]

14.52%

Principal Variable Contract Funds, Inc.

PVC – MidCap Account

Class 1

Small/Mid U.S. Equity

Principal Global Investors, LLC

0.53%

1.78%

8.33%

C000217559 [Member] | C000038532 [Member]

12.58%

Principal Variable Contract Funds, Inc.

PVC – Principal Capital Appreciation Account

Class 1

Large U.S. Equity

Principal Global Investors, LLC

0.63%

13.52%

13.82%

C000217559 [Member] | C000020916 [Member]

14.35%

Principal Variable Contract Funds, Inc.

PVC – Principal LifeTime 2020 Account

Class 1

Asset Allocation

Principal Global Investors, LLC

0.47%

11.33%

4.65%

C000217559 [Member] | C000020917 [Member]

6.77%

Principal Variable Contract Funds, Inc.

PVC – Principal LifeTime 2030 Account

Class 1

Asset Allocation

Principal Global Investors, LLC

0.50%

13.21%

5.91%

C000217559 [Member] | C000020918 [Member]

8.07%

Principal Variable Contract Funds, Inc.

PVC – Principal LifeTime 2040 Account

Class 1

Asset Allocation

Principal Global Investors, LLC

0.54%

15.57%

7.56%

C000217559 [Member] | C000020919 [Member]

9.35%

Principal Variable Contract Funds, Inc.

PVC – Principal LifeTime 2050 Account

Class 1

Asset Allocation

Principal Global Investors, LLC

0.58%

17.50%

8.77%

C000217559 [Member] | C000126088 [Member]

10.22%

Principal Variable Contract Funds, Inc.

PVC – Principal LifeTime 2060 Account

Class 1

Asset Allocation

Principal Global Investors, LLC

0.61%

17.68%

8.97%

C000217559 [Member] | C000020920 [Member]

10.35%

Principal Variable Contract Funds, Inc.

PVC – Principal LifeTime Strategic Income Account

Class 1

Asset Allocation

Principal Global Investors, LLC

0.48%

10.45%

3.48%

C000217559 [Member] | C000020921 [Member]

4.98%

Principal Variable Contract Funds, Inc.

PVC – Real Estate Securities Account

Class 1

Small/Mid U.S. Equity

0.78%

1.24%

4.88%

C000217559 [Member] | C000020923 [Member]

5.94%

Principal Variable Contract Funds, Inc. Principal Variable Contract Funds, Inc. PVC – SmallCap Account

Class 1

Small/Mid U.S. Equity

Principal Global Investors, LLC

0.84%

15.10%

6.29%

C000217559 [Member] | C000038543 1 [Member]

9.57%

Principal Variable Contract Funds, Inc.

PVC – Strategic Asset Management (SAM) – Balanced Portfolio

Class 1

Asset Allocation

Principal Global Investors, LLC

0.68%

14.00%

7.27%

C000217559 [Member] | C000038543 2 [Member]

8.29%

Principal Variable Contract Funds, Inc.

PVC – Strategic Asset Management (SAM) – Conservative Balanced Portfolio

Class 1

Asset Allocation

Principal Global Investors, LLC

0.67%

11.69%

5.04%

C000217559 [Member] | C000038545 [Member]

6.39%

Principal Variable Contract Funds, Inc.

PVC – Strategic Asset Management (SAM) – Conservative Growth Portfolio

Class 1

Asset Allocation

Principal Global Investors, LLC

0.72%

15.56%

9.00%

C000217559 [Member] | C000038548 [Member]

9.94%

Principal Variable Contract Funds, Inc.

PVC – Strategic Asset Management (SAM) – Flexible Income Portfolio

Class 1

Asset Allocation

Principal Global Investors, LLC

0.64%

9.96%

3.57%

C000217559 [Member] | C000038530 [Member]

5.12%

Principal Variable Contract Funds, Inc.

PVC – Strategic Asset Management (SAM) – Strategic Growth Portfolio

Class 1

Asset Allocation

Principal Global Investors, LLC

0.75%

16.86%

10.16%

C000217559 [Member] | C000010852 [Member]

10.96%

Putnam Variable Trust

Putnam VT International Value Fund

Class IB

International Equity

1.06%

37.68%

9.28%

C000217559 [Member] | C000010842 [Member]

8.12%

Putnam Variable Trust

Putnam VT Large Cap Growth Fund

Class IB

Large U.S. Equity

0.88%

8.80%

6.18%

C000217559 [Member] | C000010862 [Member]

11.45%

Putnam Variable Trust

Putnam VT Small Cap Growth Fund

Class IB 1

Small/Mid U.S. Equity

1.12%

8.80%

6.18%

C000217559 [Member] | C000010872 [Member]

11.45%

Putnam Variable Trust

Putnam VT Small Cap Value Fund

Class IB

Small/Mid U.S. Equity

1.02%

5.27%

10.99%

C000217559 [Member] | C000010428 [Member]

9.13%

Rydex Variable Trust

Basic Materials Fund

Rydex VT 1

Other - Natural Resources

Security Investors, LLC (d/b/a Guggenheim Investments)

1.78%

32.89%

9.42%

C000217559 [Member] | C000010394 [Member]

11.58%

Rydex Variable Trust

Utilities Fund

Rydex VT 1

Other - Utilities

Security Investors, LLC (d/b/a Guggenheim Investments)

1.79%

1707.00%

8.56%

C000217559 [Member] | C000005449 [Member]

8.60%

T. Rowe Price Equity Series, Inc.

Health Sciences Portfolio

II Class

Other - Health

T. Rowe Price

1.11%

17.80%

3.86%

C000217559 [Member] | C000025041 [Member]

8.70%

VanEck Variable Insurance Products Trust

VanEck VIP Global Resources Fund

Initial Class

Other - Natural Resources

VanEck Associates Corporation

1.08%

36.48%

10.51%

C000217559 [Member] | C000012146 [Member]

8.33%

Vanguard Variable Insurance Funds

Vanguard VIF Balanced Portfolio

Balanced/Asset Allocation

Wellington Management Company, LLP

0.20%

16.46%

9.29%

C000217559 [Member] | C000102905 [Member]

10.03%

Vanguard Variable Insurance Funds

Vanguard VIF Conservative Allocation Portfolio 3

Balanced/Asset Allocation

The Vanguard Group, Inc.

0.12%

12.73%

4.22%

C000217559 [Member] | C000012155 [Member]

6.14%

Vanguard Variable Insurance Funds

Vanguard VIF Equity Income Portfolio 3

Large U.S. Equity

The Vanguard Group, Inc.

0.29%

16.80%

12.59%

C000217559 [Member] | C000192542 [Member]

11.52%

Vanguard Variable Insurance Funds

Vanguard VIF Global Bond Index Portfolio

Fixed Income

The Vanguard Group, Inc.

0.13%

5.69%

C000217559 [Member] | C000012159 [Member]

(0.41%)

Vanguard Variable Insurance Funds

Vanguard VIF International Portfolio

Small/Mid U.S. Equity

0.32%

19.97%

0.62%

C000217559 [Member] | C000012160 [Member]

10.48%

Vanguard Variable Insurance Funds

Vanguard VIF Mid-Cap Index Portfolio

Small/Mid U.S. Equity

The Vanguard Group, Inc.

0.17%

11.54%

8.46%

C000217559 [Member] | C000012148 [Member]

10.77%

Vanguard Variable Insurance Funds

Vanguard VIF Real Estate Index Portfolio

Asset Allocation

The Vanguard Group, Inc.

0.26%

3.11%

4.51%